Compare Ponca City, OK Car Insurance Rates (2021)

Car insurance in Ponca City, OK averages $339 a month. Ponca City, Oklahoma car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ponca City car insurance rates, compare quotes from the top car insurance companies in Ponca City, OK.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Ponca City is State Farm
  • Average car insurance rates in Ponca City, OK after a DUI are $4,604/year
  • The cheapest ZIP code in Ponca City is 74604

If you need to buy Ponca City, Oklahoma car insurance, the options can be confusing. Everything you need to know about car insurance in Ponca City, OK is right here.

You’ll find Ponca City car insurance rates, the cheapest Ponca City, OK car insurance companies, and information on Oklahoma car insurance laws. You can also compare Ponca City, Oklahoma car insurance rates to Edmond car insurance rates, Tulsa car insurance rates, and Moore car insurance rates.

Ready to find affordable Ponca City, OK car insurance today? Enter your ZIP code for fast, free Ponca City car insurance quotes.

Cheapest Ponca City, OK Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ponca City, OK car insurance rates? Every Ponca City, Oklahoma car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ponca City, Oklahoma

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,227 $2,246 $2,038 $2,143 $6,640 $7,748 $2,422 $2,562
Farmers $2,523 $2,517 $2,274 $2,390 $9,046 $9,295 $2,844 $2,991
GEICO $2,275 $2,494 $2,430 $2,749 $6,766 $7,229 $2,000 $2,024
Liberty Mutual $4,421 $4,668 $3,896 $4,241 $12,100 $13,282 $4,587 $4,735
Progressive $2,673 $2,551 $2,198 $2,328 $10,243 $11,488 $3,114 $3,236
State Farm $1,868 $1,868 $1,650 $1,650 $4,834 $6,096 $1,965 $2,205
USAA $1,953 $1,953 $1,879 $1,896 $6,322 $7,051 $2,510 $2,751

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Minimum Car Insurance in Ponca City, OK

Every driver must carry the minimum car insurance in Ponca City, OK. Take a look at the Oklahoma car insurance requirements.

Minimum Required Car Insurance Coverage in Ponca City, Oklahoma

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Ponca City, OK Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ponca City, OK. Compare credit history car insurance rates in Ponca City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ponca City, Oklahoma

Insurance Company Poor Fair Good
Allstate $4,332 $3,281 $2,898
Farmers $4,888 $4,004 $3,813
GEICO $4,213 $3,496 $2,779
Liberty Mutual $9,318 $5,689 $4,467
Progressive $5,389 $4,564 $4,233
State Farm $3,849 $2,466 $1,986
USAA $4,861 $2,783 $2,224

Cheapest Ponca City, OK Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ponca City, OK to rates for a clean record with top companies.

Annual Ponca City, Oklahoma Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,030 $3,544 $4,049 $3,390
Farmers $3,592 $4,578 $4,468 $4,302
GEICO $2,542 $3,902 $4,344 $3,196
Liberty Mutual $4,379 $7,304 $8,263 $6,019
Progressive $3,691 $6,815 $4,076 $4,333
State Farm $2,564 $2,970 $2,767 $2,767
USAA $2,425 $3,489 $4,258 $2,985

Cheapest Ponca City, OK Car Insurance for Teen Drivers

Teen car insurance in Ponca City, OK can be expensive. Take a look at rates from the top car insurance companies in Ponca City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ponca City, Oklahoma

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,640 $7,748
Farmers $9,046 $9,295
GEICO $6,766 $7,229
Liberty Mutual $12,100 $13,282
Progressive $10,243 $11,488
State Farm $4,834 $6,096
USAA $6,322 $7,051

Cheapest Ponca City, OK Car Insurance for Seniors

Take a look at Ponca City, OK senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ponca City, Oklahoma

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,038 $2,143
Farmers $2,274 $2,390
GEICO $2,430 $2,749
Liberty Mutual $3,896 $4,241
Progressive $2,198 $2,328
State Farm $1,650 $1,650
USAA $1,879 $1,896

Cheapest Ponca City, OK Car Insurance Rates After a DUI

A DUI in Ponca City, OK increases car insurance rates. Compare Ponca City, Oklahoma DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ponca City, Oklahoma

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,049
Farmers $4,468
GEICO $4,344
Liberty Mutual $8,263
Progressive $4,076
State Farm $2,767
USAA $4,258

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Cheapest Ponca City, OK Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ponca City, OK by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ponca City, Oklahoma

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,503 $3,503
Farmers $4,235 $4,235
GEICO $3,429 $3,563
Liberty Mutual $6,491 $6,491
Progressive $4,729 $4,729
State Farm $2,720 $2,814
USAA $3,250 $3,329

Cheapest Ponca City, OK Car Insurance Rates by ZIP Code

Ponca City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Ponca City, OK.

Annual Car Insurance Rates by ZIP Code in Ponca City, Oklahoma

ZIP Code Average Annual Rates
74601 $4,038
74604 $3,944

The Best Cheap Car Insurance Companies in Ponca City, OK

Take a look at a side-by-side comparison of the top car insurance companies in Ponca City, OK to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ponca City, Oklahoma

Insurance Company Average Annual Rates
Allstate $3,503
Farmers $4,235
GEICO $3,496
Liberty Mutual $6,491
Progressive $4,729
State Farm $2,767
USAA $3,289

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Category Winners: Cheapest Car Insurance in Ponca City, Oklahoma

Find the cheapest car insurance companies in Ponca City, OK for each category right here.

Best Annual Car Insurance Rates by Company in Ponca City, Oklahoma

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Cheapest Ponca City, OK Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ponca City car insurance rates. Find the cheapest Ponca City, OK car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ponca City, Oklahoma

Insurance Company Low Medium High
Allstate $3,300 $3,490 $3,720
Farmers $4,065 $4,191 $4,449
GEICO $3,244 $3,504 $3,740
Liberty Mutual $6,141 $6,466 $6,866
Progressive $4,347 $4,694 $5,146
State Farm $2,589 $2,747 $2,965
USAA $3,148 $3,279 $3,441

What affects car insurance rates in Ponca City, Oklahoma?

What factors can have an impact on Ponca City, OK car insurance? There are several reasons why Ponca City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ponca City, Oklahoma.

Commute Time in Ponca City

The more time you spend in your car the higher the risk of an accident. The average commute length in Ponca City, OK is 15.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Ponca City, OK

Ready to find affordable Ponca City, Oklahoma car insurance today? Enter your ZIP code for fast, free Ponca City, OK car insurance quotes.

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