Cheapest Auto Insurance in Bartlesville, Oklahoma (2025)

Bartlesville is known as a cultural hub in Oklahoma, offering museums, festivals, and a vibrant downtown area.

Auto insurance in this small city is around $107 per month, on average. To put that figure in perspective, Oklahomans pay an average of $130 per month, while drivers in the U.S. pay an average of $144 per month. Bartlesville’s population of less than 38,000 could contribute to its lower car insurance costs. Fewer cars on the road mean a lower risk of accidents and car insurance claims.

Here’s what you should know about comparing quotes and finding affordable car insurance coverage in Bartlesville.

3 of the cheapest car insurance companies in Bartlesville 

If you’re a Bartlesville driver shopping for affordable car insurance, State Farm, USAA, and Allstate offer the cheapest policies on average. 

While these companies are a good starting point if you’re seeking a new car insurance policy, the cost of your coverage will depend on your driving record, age, gender, and other factors.

Best insurer for cheap coverage: State Farm

Best insurer for veterans: USAA

Best insurer for discounts: Allstate

How to get the cheapest car insurance in Bartlesville

If you’re in the market for a new car insurance policy, it can help to understand the things car insurance companies consider when determining your rates. Your insurer will take your driving record, gender, age, vehicle, credit score, and more into account.

But you can take some steps to lower your insurance costs:2

• Improve your credit. Excellent credit benefits you in many ways, including reducing your insurance costs. If you’re planning to get a new auto policy, improving your credit could boost your savings.

• Shop around. Car insurance premiums and exclusions vary by company, which is why it’s important to shop around for new coverage. Consider working with insurance agencies or brokers or getting quotes from multiple insurers on your own to find the cheapest option.

• Opt for a safe vehicle. Many auto insurance companies offer discounts if you drive a safe vehicle and have certain security features, such as a car alarm or anti-lock brakes.

Cheapest liability-only car insurance in Bartlesville: State Farm

Liability-only insurance is bare-bones coverage that meets state-minimum requirements and pays for others’ injuries and damages if you’re at fault in an accident. But it doesn’t pay for your injuries and damages.

Drivers in Bartlesville pay an average of $73 per month for liability coverage. 

Here are some top companies in the insurance industry offering affordable liability-only coverage.

Cheapest full-coverage car insurance in Bartlesville: State Farm

Full-coverage auto insurance provides more protection than liability-only coverage. Drivers with full coverage typically have liability, collision, and comprehensive coverage. Collision insurance pays for damage to your car after an accident, while comprehensive insurance pays for your car repairs or personal property if they’re damaged due to an incident other than a collision, such as vandalism, theft, or hitting an animal.

Full-coverage insurance in Bartlesville costs an average of $140 per month. Below are the most affordable full-coverage car insurance policies in the city.

Car insurance requirements in Oklahoma

Oklahoma requires drivers to carry a minimum amount of liability coverage. You’ll need both bodily injury and property damage liability insurance. Oklahoma is an at-fault state, meaning you’ll be responsible for paying for damage to another driver’s vehicle or their injuries if you cause an accident.

The state requires the following minimum-coverage amounts:3

But minimum coverage may not be enough protection if you’re involved in a motor vehicle accident. Additional coverage could be beneficial. Non-required coverage options include:

If you have a past incident on your driving record, your insurance company may charge you higher car insurance premiums. Incidents could include at-fault accidents, driving under the influence charges, speeding tickets, and other moving violations. These make you a higher risk to insure, so your insurer makes up for this risk by increasing your premiums. 

The table below shows how your liability-only rates can change if you have an incident on your driving record.

Average cost of car insurance by age

In general, car insurance rates dip in your 30s and start increasing for senior drivers in their 70s. Bartlesville drivers in their 60s get the best rates, on average, followed by those in their 50s.

The highest rates are reserved for new drivers due to their inexperience behind the wheel. Insurance companies typically view teen drivers as a higher risk to insure because they’re statistically more likely to be involved in a car accident.4

Here’s a look at average insurance costs by age in Bartlesville.

Bartlesville car insurance quotes by credit tier

Insurers can factor in your credit history when setting insurance rates in Oklahoma. Companies may deem drivers with poor credit scores as riskier to insure, while they consider drivers with excellent credit a lower risk.

The chart below shows how your credit could affect your insurance rates as a Bartlesville driver.