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Get Cheap Car Insurance in Pawnee County, OK

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

 

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The Cheapest Minimum Coverage in Pawnee County

The chart below shows the cheapest car insurance company in Pawnee County 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.

 
Pawnee County Insurer Monthly Cost
State Farm $50
Safeco Insurance $57
Travelers $62
Farm Bureau $63

Savings for Every Kind of Pawnee County Driver

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

Based on our extensive insurance data, we know the average Pawnee County 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 $359 per year by choosing the right vehicle insurance company. Some Pawnee County residents are paying out over $1,715 extra every year for auto insurance in Pawnee County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Pawnee County, OK Savings / Yr.
Drivers with good records
$359
Drivers with accidents
$780
Drivers with speeding tickets
$616
Drivers with a DUI conviction
$514
Young drivers
$1,543
Married drivers
$359
Drivers with bad credit
$579

Pawnee County Car Insurance vs. Oklahoma

People living in Pawnee County pay an average of 1.63% less than the typical driver in the state. The average driver in Pawnee County can expect to pay about $837 per year, or $1,715 for full coverage.

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

Car Insurance Prices by Pawnee County Neighborhood

Pawnee County, OK map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Pawnee County?

The map shows insurance prices in and around Pawnee County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $63 per year within the county boundaries, with insurance premiums ranging from a high of $1,743 to a low of $1,680. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Pawnee County.

Pick the Best Car Insurance Company for You in Pawnee County

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 Pawnee County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Pawnee County

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $359 over the average Pawnee County car insurance company.

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We use the average good driver, paying $113 per month, as our baseline for pricing in Pawnee County. 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 Pawnee County drivers with accidents on their records

In Pawnee County getting into an accident will raise premiums an average 38% for a yearly cost of $2,749. That's $1,034 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 $780 over the competition.

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The best car insurance company for Pawnee County drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $616 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 Pawnee County, tickets raise premiums on new quotes about $721. If you have a speeding ticket, we recommend State Farm, Travelers, and Clearcover for savings that beat the average insurance cost of $2,437 per year.

The best auto insurance for Pawnee County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,542 per year in auto insurance premiums, which was $826 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 $514 less each year.

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

In Pawnee County, State Farm costs young drivers $1,543 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 Pawnee County. With an average cost of $5,356 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 Pawnee County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $142. State Farm, Progressive, and Allstate provided the largest discounts to couples living in Pawnee County.

State Farm gave the largest car insurance discounts to married couples, averaging $359 saved each year compared to an average Pawnee County couple's premiums.

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The cheapest car insurance in Pawnee County for drivers with bad credit

People with poor credit saved an average of $579 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $980 every year. Premiums for people with poor credit were about $2,695 in Pawnee County. 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 Pawnee County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Pawnee County, 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 Pawnee County.

Allstate was the best company for customer service in Pawnee County 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 Pawnee County, 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 Pawnee County. 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 Pawnee County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 22% of Pawnee County residents who are renting, and don't plan to be in the county 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 Pawnee County 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 Pawnee County, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Pawnee County

What Influences the Cost of Car Insurance in Pawnee County?

On average, car insurance in Pawnee County 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 county are influenced by the following factors:

  • The average commute time in Pawnee County is 36 minutes, which is far 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 Pawnee County are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Pawnee County is a lightly populated area in the state. The county’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 Pawnee County is $70 per month for minimum coverage and $143 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 Counties

Counties with Similar Populations

* Who is the average Pawnee County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Pawnee County 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.