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Get Cheap Car Insurance in 74367, OK

We monitor insurance prices, helping the average driver in 74367 save up to 29.6% on car insurance.

 

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The Cheapest Minimum Coverage in 74367

The chart below shows the cheapest car insurance company in 74367 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Farm Bureau.

 
74367 Insurer Monthly Cost
State Farm $50
Safeco Insurance $58
Travelers $63
Farm Bureau $64

Savings for Every Kind of 74367 Driver

The table shows how much the average auto insurance customer in 74367 might save by following our recommendations.

Based on our extensive insurance data, we know the average 74367 driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $362 per year by choosing the right vehicle insurance company. Some 74367 residents are paying out over $1,732 extra every year for auto insurance in 74367. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

74367 Car Insurance vs. Oklahoma

People living in 74367 pay an average of 0.71% less than the typical driver in the state. The average driver in 74367 can expect to pay about $845 per year, or $1,732 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in 74367 for most people.

Car Insurance Prices by 74367 Neighborhood

74367, OK map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within 74367?

The map shows insurance prices in and around 74367, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $6 per year within the zip boundaries, with insurance premiums ranging from a high of $1,737 to a low of $1,731. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of 74367.

Pick the Best Car Insurance Company for You in 74367

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the 74367 insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in 74367

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $362 over the average 74367 car insurance company.

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We use the average good driver, paying $114 per month, as our baseline for pricing in 74367. State Farm, Travelers, and Clearcover are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for 74367 drivers with accidents on their records

In 74367 getting into an accident will raise premiums an average 38% for a yearly cost of $2,775. That's $1,043 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $787 over the competition.

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The best car insurance company for 74367 drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $622 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In 74367, tickets raise premiums on new quotes about $728. If you have a speeding ticket, we recommend State Farm, Travelers, and Clearcover for savings that beat the average insurance cost of $2,459 per year.

The best auto insurance for 74367 drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,566 per year in auto insurance premiums, which was $834 more than a driver with no major issues. State Farm, Progressive, and Clearcover penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $519 less each year.

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The least expensive car insurance company for new and young drivers in 74367

In 74367, State Farm costs young drivers $1,558 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in 74367. With an average cost of $5,406 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in 74367

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $143. State Farm, Progressive, and Allstate provided the largest discounts to couples living in 74367.

State Farm gave the largest car insurance discounts to married couples, averaging $362 saved each year compared to an average 74367 couple's premiums.

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The cheapest car insurance in 74367 for drivers with bad credit

People with poor credit saved an average of $585 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $989 every year. Premiums for people with poor credit were about $2,720 in 74367. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Clearcover, Farm Bureau, and Gainsco.

The best 74367 car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In 74367, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in 74367.

Allstate was the best company for customer service in 74367 according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 74367, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in 74367. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in 74367

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 8.1% of 74367 residents who are renting, and don't plan to be in the zip or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 74367 driver can expect to pay about $115 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 74367, USAA has the best prices for married couples, drivers with a DUI conviction, young drivers, good drivers, drivers with accidents, drivers with speeding tickets, and drivers with bad credit.
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Auto Insurance Prices in and Around 74367

What Influences the Cost of Car Insurance in 74367?

On average, car insurance in 74367 is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:

  • The average commute time in 74367 is 35 minutes, which is a little more than average for a driver in the state.
  • Oklahoma state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in 74367 are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • 74367 is a lightly populated area in the state. The zip’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in 74367 is $70 per month for minimum coverage and $144 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Zip Codes

  • 74366: Insurance costs 0.17% less
  • 74350: Insurance costs 1.44% less
  • 74340: Insurance costs 1.50% less
  • 74365: Insurance costs 0.35% less
  • 74349: Insurance costs 3.75% less
  • 74330: Insurance costs 2.08% less
  • 74342: Insurance costs 2.60% less
  • 74332: Insurance costs 2.14% less
  • 74361: Insurance costs 2.77% less
  • 74346: Insurance costs 0.92% less

Zip Codes with Similar Populations

  • 96091: Insurance costs 2.83% more
  • 17081: Insurance costs 29.62% less
  • 19009: Insurance costs 20.55% less
  • 24150: Insurance costs 30.66% less
  • 24854: Insurance costs 5.83% less
  • 26293: Insurance costs 13.11% less
  • 93526: Insurance costs 1.96% more
  • 93529: Insurance costs 3.12% more
  • 93604: Insurance costs 8.60% more
  • 94970: Insurance costs 13.74% more
* Who is the average 74367 driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central 74367 with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.