Stillwater, OK Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Stillwater, OK, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Ways to Save Money on Car Insurance in Stillwater, OK
The average cost of car insurance in Stillwater, OK, is $1,635. Premiums are an essential factor to consider while choosing an auto insurance policy, but they should not be the only consideration. Taking up an auto policy with a low premium might seem like the intelligent thing to do at first, but cost-cutting measures like this can backfire badly. One of the best ways to save on auto insurance is to shop around. Refer to the factors listed below.
a. Car insurance rates based on the age of the driver
The youth of Stillwater, OK, is facing many challenges to get cheap auto insurance. Car insurance companies see them as the most high-risk group on the road and charge them higher premiums. They are seen as risky drivers because they lack driving experience and are highly impulsive. This is the reason why a 30-year-old driver pays $1,618 while teenagers pay $5,305 for their car insurance in Stillwater, OK. These numbers are determined after analyzing different age groups. Refer to the chart below.
b. Car insurance rates Post-DUI
Driving Under Influence (DUI) is a serious offense. If you are convicted, it can be an added burden on your wallet, as the premium charges tend to go up. For instance, in Stillwater, OK, the average auto insurance cost is $1,635. Post-DUI, the cost of insurance is $2,553. If the auto owner is convicted of DUI, they have to pay $918 extra on their average auto insurance rate.
c. Car insurance rates based on credit history
Insurance providers analyze the credit score to determine the Stillwater insurance rates. If the credit score is high, your auto owner's insurance rate will decrease. Let us take an example. Auto owners with exceptional credit scores have to pay $1,403, whereas those with poor credit scores have to pay $2,667. Therefore, auto owners must maintain a good credit score to avail discounts on car insurance rates.
Factors that can influence the cost of car insurance in Stillwater, OK are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Stillwater, OK Auto Insurance Rates
- Stillwater, OK Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Stillwater, OK
- Multi Vehicle Insurance Savings in Stillwater, OK
- How Credit Score Affects Car Insurance Rates in Stillwater, OK
- How DUI Affects Auto Insurance Premiums in Stillwater, OK
- Top Auto Insurance Agents Near Stillwater, OK
- How Driving Violations Affect Auto Insurance Rates in Stillwater, OK
- Stillwater, OK Auto Insurance Discounts on Anti Theft Feature
- Stillwater, OK Auto Insurance Company Reviews
Stillwater, OK Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Stillwater, OK with that of other cities in and around Stillwater.
| Stillwater | Morrison | Coyle | Glencoe | Perkins | Langston | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,635 | $1,547 | $1,477 | $1,531 | $1,553 | $1,493 |
Stillwater, OK Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Stillwater, OK based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Stillwater | $1,254 | $1,059 |
| Payne County | $1,115 | $942 |
| Perkins | $1,305 | $1,102 |
| Ripley | $1,418 | $1,198 |
| Glencoe | $1,471 | $1,242 |
| Coyle | $1,194 | $1,008 |
| Morrison | $1,415 | $1,195 |
| Langston | $1,867 | $1,577 |
Stillwater, OK Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Stillwater, OK usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,305 |
| 20 Years | $2,101 |
| 30 Years | $1,618 |
| 40 Years | $1,557 |
| 50 Years | $1,442 |
| 60 Years | $1,462 |
| 70 Years | $1,702 |
Stillwater, OK Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Stillwater, OK can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,812 | $458 |
| 3 Vehicles | $4,218 | $687 |
| 4 Vehicles | $5,624 | $916 |
Savings on 2 Vehicles bundle:$458
Savings on 3 Vehicles bundle:$687
Savings on 4 Vehicles bundle:$916
Stillwater, OK Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Stillwater, OK.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Stillwater | $1,635 | $2,553 |
| Payne County | $1,617 | $2,525 |
| Perkins | $1,553 | $2,425 |
| Ripley | $1,488 | $2,324 |
| Glencoe | $1,531 | $2,391 |
| Coyle | $1,477 | $2,307 |
| Morrison | $1,547 | $2,416 |
| Langston | $1,493 | $2,332 |
Stillwater, OK Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,403 |
| Excellent (740-799) | $1,601 |
| Good (670-739) | $1,704 |
| Average (580-669) | $2,223 |
| Poor (300-579) | $2,667 |
Stillwater, OK Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Casey Martin | Farmers | 505 E Highway 33 Ste 100, Perkins, 74059 | (405) 547-5126 |
| Jennifer Elliott | Allstate | 304 N Main St, Stillwater, 74075 | (405) 372-9100 |
| M Lyle Newman | Allstate | 728 S Western Rd, Stillwater, 74074 | (405) 377-0872 |
| Susanne Badiyan | Allstate | 1307 S Western Rd, Stillwater, 74074 | (405) 377-2698 |
| William Briggs | Farmers | 4308 N Meridian Ave, Oklahoma City, 73112 | (405) 948-0854 |
| Trey Wells | State Farm | 76 E 15th St, Edmond, 73013-4301 | 405-340-2112 |
| Trey Wells | State Farm | 76 E 15th St, Edmond, 73013-4301 | 405-340-2112 |
| Chrystal Kasch | Farmers | 760 W Danforth Rd, Edmond, 73003 | (405) 340-3910 |
| Claire Faulkner-Truong | State Farm | 840 NW 50th St, Oklahoma City, 73118-6002 | 405-787-2626 |
| Jackie F Weinaug | State Farm | 726 South Western Road, Stillwater, 74074-4141 | 405-372-6433 |
| Lbv Ins Llc | Travelers | 15704 NORTH PENNSYLVANIA STE 2, EDMOND, 73013 | 405-341-5996 |
| Terry Amacher | State Farm | 4509 NW 63rd St, Oklahoma City, 73132-6902 | 405-721-5500 |
| Terry Amacher | State Farm | 4509 NW 63rd St, Oklahoma City, 73132-6902 | 405-721-5500 |
| Terry Amacher | State Farm | 4509 NW 63rd St, Oklahoma City, 73132-6902 | 405-721-5500 |
Stillwater, OK Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$72 | $1,707 |
| Driver's Failure In Showing Documents | +$159 | $1,794 |
| Driving With An Expired Registration | +$168 | $1,803 |
| Driving At A Considerably Slow Pace | +$355 | $1,990 |
| Using A Cellphone While Driving | +$374 | $2,009 |
| Running A Red Light | +$381 | $2,016 |
| Speeding | +$401 | $2,036 |
| Driving A Vehicle Without The Required Permission | +$508 | $2,143 |
| Driving With An Expired/Suspended License | +$1,102 | $2,737 |
Stillwater, OK Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,570 |
| Active Disabling Device | $1,570 |
| Tracking Device | $1,537 |
| Passive Disabling Device | $1,521 |
Latest Auto Insurance Reviews in Stillwater, OK | Back to Top
ProgressiveProgressive gave us an opportunity to pay our six premium in full - with a $150 dollar deduction where as USAA did not offer.
AllstateI would probably recommend them since they do respond to things quickly but I think you can find a better valued auto policy if you look hard enough
NationwideI would recommend Nationwide auto insurance. They were very efficient when it came to filing our claim for an accident last year. We received the insurance payout within a week of the accident.
AllstateI have never had any problems with their customer service. If I had to pick one thing it would be that it can be hard to get someone on the phone sometimes.
State FarmAuto insurance is all the same in coverage. I got to pick a deductible and the coverages and they sent me a piece of paper that says I'm covered.