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Get Cheap Car Insurance in Heavener, OK
We monitor insurance prices, helping the average driver in Heavener save up to 29.6% on car insurance.
The Cheapest Minimum Coverage in Heavener
The chart below shows the cheapest car insurance company in Heavener 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.
| Heavener Insurer | Monthly Cost |
|---|---|
| State Farm | $51 |
| Safeco Insurance | $59 |
| Travelers | $64 |
| Farm Bureau | $65 |
Savings for Every Kind of Heavener Driver
Based on our extensive insurance data, we know the average Heavener 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 $367 per year by choosing the right vehicle insurance company. Some Heavener residents are paying out over $1,755 extra every year for auto insurance in Heavener. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Heavener, OK Savings / Yr. |
|---|---|
$367 |
|
$798 |
|
$630 |
|
$526 |
|
$1,579 |
|
$367 |
|
$593 |
Heavener Car Insurance vs. Oklahoma
People living in Heavener pay an average of 0.64% more than the typical driver in the state. The average driver in Heavener can expect to pay about $856 per year, or $1,755 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Heavener for most people.
Car Insurance Prices by Heavener Neighborhood
Insurance Prices
Where is insurance cheapest within Heavener?
The map shows insurance prices in and around Heavener, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $187 per year within the city boundaries, with insurance premiums ranging from a high of $1,836 to a low of $1,649. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the West parts of Heavener.Pick the Best Car Insurance Company for You in Heavener
The best car insurance provider for most drivers in Heavener
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $367 over the average Heavener car insurance company.
The best car insurance provider for Heavener 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 $798 over the competition.
The best car insurance company for Heavener drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $630 better than other car insurance companies.
The best auto insurance for Heavener drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $526 less each year.
The least expensive car insurance company for new and young drivers in Heavener
In Heavener, State Farm costs young drivers $1,579 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Heavener
State Farm gave the largest car insurance discounts to married couples, averaging $367 saved each year compared to an average Heavener couple's premiums.
The cheapest car insurance in Heavener for drivers with bad credit
The best Heavener car insurance company for customer service
Recent price drops
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The cheapest large national provider in Heavener
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Heavener 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 Heavener, 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 Heavener
What Influences the Cost of Car Insurance in Heavener?
On average, car insurance in Heavener is more expensive than the rest of the state. These high 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:
- 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 Heavener are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Heavener is a lightly populated area in the state. The city’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 Heavener is $71 per month for minimum coverage and $146 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
- Hontubby: Insurance costs 2.96% less
- Forest Hill: Insurance costs 4.16% less
- Forrester: Insurance costs 3.30% less
- Howe: Insurance costs 3.76% less
- Hodgen: Insurance costs 3.59% less
- Loving: Insurance costs 2.74% less
- Zoe: Insurance costs 1.31% less
- Stapp: Insurance costs 2.28% less
- Reichert: Insurance costs 3.30% less
- Wister: Insurance costs 2.51% less
Cities with Similar Populations
- Beulah: Insurance costs 17.95% less
- Charleston: Insurance costs 9.91% more
- Colfax: Insurance costs 25.01% less
- Courtland: Insurance costs 31.17% less
- Dexter: Insurance costs 45.58% less
- Franklin: Insurance costs 8.83% less
- Harrah: Insurance costs 25.30% less
- Hillsboro: Insurance costs 34.76% less
- Ridgely: Insurance costs 2.45% more
- Zirconia: Insurance costs 32.59% less