Best Stillwater, OK Car Insurance in 2025
Car insurance in Stillwater, OK averages $334 a month. Stillwater, Oklahoma car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Stillwater car insurance rates, compare quotes from the top car insurance companies in Stillwater, OK.
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Table of Contents
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated December 2025
- The cheapest ZIP code in Stillwater is 74074
- The cheapest car insurance company in Stillwater for teen drivers is State Farm
- The cheapest car insurance company in Stillwater is State Farm
If you need to buy Stillwater, Oklahoma car insurance, the options can be confusing. Everything you need to know about car insurance in Stillwater, OK is right here.
You’ll find Stillwater car insurance rates, the cheapest Stillwater, OK car insurance companies, and information on Oklahoma car insurance laws. You can also compare Stillwater, Oklahoma car insurance rates to Edmond car insurance rates, Oklahoma City car insurance rates, and Norman car insurance rates.
Ready to find affordable Stillwater, OK car insurance today? Enter your ZIP code for fast, free Stillwater car insurance quotes.
Cheapest Stillwater, OK Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Stillwater, OK car insurance rates? Every Stillwater, Oklahoma car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,191 | $2,201 | $2,018 | $2,121 | $6,725 | $7,878 | $2,366 | $2,491 |
| Farmers | $2,161 | $2,146 | $1,940 | $2,050 | $8,326 | $8,546 | $2,453 | $2,566 |
| Geico | $2,275 | $2,494 | $2,430 | $2,749 | $6,766 | $7,229 | $2,000 | $2,024 |
| Liberty Mutual | $4,569 | $4,822 | $4,026 | $4,383 | $12,961 | $14,231 | $4,748 | $4,909 |
| Progressive | $2,558 | $2,432 | $2,109 | $2,229 | $10,166 | $11,394 | $2,993 | $3,135 |
| State Farm | $1,868 | $1,868 | $1,654 | $1,654 | $4,917 | $6,198 | $1,968 | $2,207 |
| USAA | $1,788 | $1,788 | $1,721 | $1,737 | $5,779 | $6,450 | $2,299 | $2,520 |
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Minimum Car Insurance in Stillwater, OK
Every driver must carry the minimum car insurance in Stillwater, OK. Take a look at the Oklahoma car insurance requirements.
| 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 Stillwater, OK Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Stillwater, OK. Compare credit history car insurance rates in Stillwater from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,322 | $3,279 | $2,895 |
| Farmers | $4,335 | $3,580 | $3,404 |
| Geico | $4,213 | $3,496 | $2,779 |
| Liberty Mutual | $9,800 | $5,995 | $4,698 |
| Progressive | $5,252 | $4,471 | $4,158 |
| State Farm | $3,884 | $2,488 | $2,003 |
| USAA | $4,449 | $2,547 | $2,035 |
Cheapest Stillwater, 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 Stillwater, OK to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,012 | $3,534 | $4,065 | $3,384 |
| Farmers | $3,185 | $4,092 | $3,993 | $3,823 |
| Geico | $2,542 | $3,902 | $4,344 | $3,196 |
| Liberty Mutual | $4,581 | $7,707 | $8,713 | $6,324 |
| Progressive | $3,604 | $6,695 | $3,978 | $4,231 |
| State Farm | $2,582 | $3,001 | $2,792 | $2,792 |
| USAA | $2,221 | $3,190 | $3,896 | $2,733 |
Cheapest Stillwater, OK Car Insurance for Teen Drivers
Teen car insurance in Stillwater, OK can be expensive. Take a look at rates from the top car insurance companies in Stillwater for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,725 | $7,878 |
| Farmers | $8,326 | $8,546 |
| Geico | $6,766 | $7,229 |
| Liberty Mutual | $12,961 | $14,231 |
| Progressive | $10,166 | $11,394 |
| State Farm | $4,917 | $6,198 |
| USAA | $5,779 | $6,450 |
Cheapest Stillwater, OK Car Insurance for Seniors
Take a look at Stillwater, OK senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,018 | $2,121 |
| Farmers | $1,940 | $2,050 |
| Geico | $2,430 | $2,749 |
| Liberty Mutual | $4,026 | $4,383 |
| Progressive | $2,109 | $2,229 |
| State Farm | $1,654 | $1,654 |
| USAA | $1,721 | $1,737 |
Cheapest Stillwater, OK Car Insurance Rates After a DUI
A DUI in Stillwater, OK increases car insurance rates. Compare Stillwater, Oklahoma DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,065 |
| Farmers | $3,993 |
| Geico | $4,344 |
| Liberty Mutual | $8,713 |
| Progressive | $3,978 |
| State Farm | $2,792 |
| USAA | $3,896 |
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Cheapest Stillwater, OK Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Stillwater, OK by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,499 | $3,499 |
| Farmers | $3,773 | $3,773 |
| Geico | $3,429 | $3,563 |
| Liberty Mutual | $6,831 | $6,831 |
| Progressive | $4,627 | $4,627 |
| State Farm | $2,744 | $2,840 |
| USAA | $2,974 | $3,047 |
Cheapest Stillwater, OK Car Insurance Rates by ZIP Code
Stillwater car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Stillwater, OK.
| ZIP Code | Average Annual Rates |
|---|---|
| 74074 | $3,968 |
| 74075 | $3,979 |
| 74077 | $3,972 |
| 74078 | $3,995 |
The Best Cheap Car Insurance Companies in Stillwater, OK
Take a look at a side-by-side comparison of the top car insurance companies in Stillwater, OK to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,499 |
| Farmers | $3,773 |
| Geico | $3,496 |
| Liberty Mutual | $6,831 |
| Progressive | $4,627 |
| State Farm | $2,792 |
| USAA | $3,010 |
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Category Winners: Cheapest Car Insurance in Stillwater, Oklahoma
Find the cheapest car insurance companies in Stillwater, OK for each category right here.
| 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 | USAA |
Cheapest Stillwater, OK Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Stillwater car insurance rates. Find the cheapest Stillwater, OK car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,270 | $3,484 | $3,742 |
| Farmers | $3,605 | $3,729 | $3,985 |
| Geico | $3,244 | $3,504 | $3,740 |
| Liberty Mutual | $6,481 | $6,807 | $7,206 |
| Progressive | $4,289 | $4,598 | $4,995 |
| State Farm | $2,604 | $2,771 | $2,999 |
| USAA | $2,885 | $3,002 | $3,144 |
What affects car insurance rates in Stillwater, Oklahoma?
What factors can have an impact on Stillwater, OK car insurance? There are several reasons why Stillwater car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Stillwater, Oklahoma.
Commute Time in Stillwater
The more time you spend in your car the higher the risk of an accident. The average commute length in Stillwater, OK is 16.2 minutes according to City-Data.
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Compare Car Insurance Quotes in Stillwater, OK
Ready to find affordable Stillwater, Oklahoma car insurance today? Enter your ZIP code for fast, free Stillwater, OK car insurance quotes.
Frequently Asked Questions
What is the average car insurance rate in Stillwater, OK?
The average car insurance rate in Stillwater, OK is $334 per month.
What are the car insurance requirements in Stillwater, OK?
The car insurance requirements in Stillwater, OK are 25/50/25. However, if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Stillwater, OK?
To find cheap car insurance rates in Stillwater, OK, compare quotes from the top car insurance companies in the area.
How do age, gender, and marital status affect car insurance rates in Stillwater, OK?
Age, gender, and marital status can affect car insurance rates differently among insurance companies. It’s best to compare rates to find out how they impact your premiums.
What is the minimum car insurance required in Stillwater, OK?
The minimum car insurance required in Stillwater, OK meets the 25/50/25 coverage requirements.
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