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Get Cheap Car Insurance in Warr Acres, OK

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

 

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The Cheapest Minimum Coverage in Warr Acres

The chart below shows the cheapest car insurance company in Warr Acres 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.

 
Warr Acres Insurer Monthly Cost
State Farm $55
Safeco Insurance $63
Travelers $69
Farm Bureau $70

Savings for Every Kind of Warr Acres Driver

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

Based on our extensive insurance data, we know the average Warr Acres 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 $396 per year by choosing the right vehicle insurance company. Some Warr Acres residents are paying out over $1,891 extra every year for auto insurance in Warr Acres. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Warr Acres, OK Savings / Yr.
Drivers with good records
$396
Drivers with accidents
$860
Drivers with speeding tickets
$679
Drivers with a DUI conviction
$567
Young drivers
$1,701
Married drivers
$396
Drivers with bad credit
$639

Warr Acres Car Insurance vs. Oklahoma

People living in Warr Acres pay an average of 8.43% more than the typical driver in the state. The average driver in Warr Acres can expect to pay about $923 per year, or $1,891 for full coverage.

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

Car Insurance Prices by Warr Acres Neighborhood

Warr Acres, OK map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Warr Acres?

The map shows insurance prices in and around Warr Acres, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $158 per year within the city boundaries, with insurance premiums ranging from a high of $1,983 to a low of $1,825. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Warr Acres.

Pick the Best Car Insurance Company for You in Warr Acres

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 Warr Acres insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Warr Acres

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $396 over the average Warr Acres car insurance company.

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We use the average good driver, paying $125 per month, as our baseline for pricing in Warr Acres. 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 Warr Acres drivers with accidents on their records

In Warr Acres getting into an accident will raise premiums an average 38% for a yearly cost of $3,031. That's $1,140 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 $860 over the competition.

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The best car insurance company for Warr Acres drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $679 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 Warr Acres, tickets raise premiums on new quotes about $795. If you have a speeding ticket, we recommend State Farm, Travelers, and Clearcover for savings that beat the average insurance cost of $2,686 per year.

The best auto insurance for Warr Acres drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,802 per year in auto insurance premiums, which was $911 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 $567 less each year.

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

In Warr Acres, State Farm costs young drivers $1,701 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 Warr Acres. With an average cost of $5,904 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 Warr Acres

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $156. State Farm, Progressive, and Allstate provided the largest discounts to couples living in Warr Acres.

State Farm gave the largest car insurance discounts to married couples, averaging $396 saved each year compared to an average Warr Acres couple's premiums.

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The cheapest car insurance in Warr Acres for drivers with bad credit

People with poor credit saved an average of $639 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $1,080 every year. Premiums for people with poor credit were about $2,971 in Warr Acres. 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 Warr Acres car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Warr Acres, 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 Warr Acres.

Allstate was the best company for customer service in Warr Acres 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 Warr Acres, 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 Warr Acres. 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 Warr Acres

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 33% of Warr Acres residents who are renting, and don't plan to be in the city 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 Warr Acres 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 Warr Acres, 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 Warr Acres

What Influences the Cost of Car Insurance in Warr Acres?

On average, car insurance in Warr Acres 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:

  • The average commute time in Warr Acres is 26 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 Warr Acres 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 F according to CrimeGrade.org.
  • Warr Acres is one of the least populated areas 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 Warr Acres is $77 per month for minimum coverage and $158 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.

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