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Get Cheap Car Insurance in Elk City, OK
We monitor insurance prices, helping the average driver in Elk City save up to 29.6% on car insurance.
The Cheapest Minimum Coverage in Elk City
The chart below shows the cheapest car insurance company in Elk City 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.
| Elk City Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Safeco Insurance | $58 |
| Travelers | $63 |
| Farm Bureau | $64 |
Savings for Every Kind of Elk City Driver
Based on our extensive insurance data, we know the average Elk City 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 $361 per year by choosing the right vehicle insurance company. Some Elk City residents are paying out over $1,727 extra every year for auto insurance in Elk City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Elk City, OK Savings / Yr. |
|---|---|
$361 |
|
$785 |
|
$620 |
|
$518 |
|
$1,553 |
|
$361 |
|
$583 |
Elk City Car Insurance vs. Oklahoma
People living in Elk City pay an average of 0.99% less than the typical driver in the state. The average driver in Elk City can expect to pay about $843 per year, or $1,727 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Elk City for most people.
Car Insurance Prices by Elk City Neighborhood
Insurance Prices
Where is insurance cheapest within Elk City?
The map shows insurance prices in and around Elk City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $151 per year within the city boundaries, with insurance premiums ranging from a high of $1,800 to a low of $1,649. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the West parts of Elk City.Pick the Best Car Insurance Company for You in Elk City
The best car insurance provider for most drivers in Elk City
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $361 over the average Elk City car insurance company.
The best car insurance provider for Elk City drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $785 over the competition.
The best car insurance company for Elk City drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $620 better than other car insurance companies.
The best auto insurance for Elk City drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $518 less each year.
The least expensive car insurance company for new and young drivers in Elk City
In Elk City, State Farm costs young drivers $1,553 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Elk City
State Farm gave the largest car insurance discounts to married couples, averaging $361 saved each year compared to an average Elk City couple's premiums.
The cheapest car insurance in Elk City for drivers with bad credit
The best Elk City car insurance company for customer service
Recent price drops
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The cheapest large national provider in Elk City
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Elk City driver can expect to pay about $115 per month.
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 Elk City, 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.Auto Insurance Prices in and Around Elk City
What Influences the Cost of Car Insurance in Elk City?
On average, car insurance in Elk City 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 city are influenced by the following factors:
- The average commute time in Elk City is 22 minutes, which is far less 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 Elk City are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Elk City is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Elk City 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 Cities
- Canute: Insurance costs 3.82% less
- Sayre: Insurance costs 0.87% more
- Foss: Insurance costs 3.47% less
- Burns Flat: Insurance costs 0.52% less
- New Liberty: Insurance costs 1.62% less
- Stafford: Insurance costs 4.40% less
- Grimes: Insurance costs 2.61% less
- Dempsey: Insurance costs 2.43% less
- Bessie: Insurance costs 2.55% less
- Clinton: Insurance costs 0.52% less
Cities with Similar Populations
- Sparta: Insurance costs 59.41% more
- Dunmore: Insurance costs 20.38% less
- Durham: Insurance costs 27.97% less
- East Bridgewater: Insurance costs 4.69% less
- East Milton: Insurance costs 42.73% more
- Eaton: Insurance costs 36.36% less
- Edgewood: Insurance costs 10.71% less
- Eight Mile: Insurance costs 6.60% less
- Englewood: Insurance costs 34.63% less
- Foristell: Insurance costs 5.33% more