Cheapest Auto Insurance in Enid, Oklahoma (2025)

Drivers in Enid, Oklahoma, pay an overall average of $115 per month for car insurance, which is lower than the overall state average of $130 and the overall national average of $144.

Local factors like vehicle crime, traffic, and weather can all affect how likely a driver is to file an insurance claim, which influences their rates. Oklahoma is notorious for experiencing very damaging tornadoes, which can lead to a lot of expensive car insurance claims.

Here’s what you should know about comparing car insurance rates to help you save a little money on your car insurance in Enid.

3 of the cheapest car insurance companies in Enid

To find cheap car insurance in Enid, it helps to narrow your search to insurers that are known for offering a great product and service while also keeping their rates low. The auto insurance company that’s best for you depends on your unique needs, so it’s important to shop around and compare your options.

Here’s a closer look at three of the cheapest car insurance companies in Enid.

Best insurer for cheap rates: State Farm

Best insurer for military members and their families: USAA

Best insurer for safe drivers: Allstate

How to get the cheapest car insurance in Enid

When shopping around for the lowest car insurance rates in Enid, consider these tips to help you find a good rate:1

• Compare quotes. Obtain quotes from at least three insurers to help you identify the most affordable rates.

• Bundle policies. If an insurer offers more than just car insurance, consider combining your auto insurance with other policies like business insurance, life insurance, renters insurance, or home insurance. Many insurers offer a discount for bundling policies.

• Maintain a clean driving record. Having a history of safe driving on your record can keep premium prices low, so driving safely can pay off.

• Adjust coverage. Each year before renewing your auto insurance policy or looking for a new one, it’s a good idea to reassess your coverage needs. You may be able to lower your coverage amount to save a little.

Cheapest liability-only car insurance in Enid: State Farm

Liability-only car insurance covers injuries and property damage that you cause to others in an auto accident. But it doesn’t cover your own injuries or vehicle damage. It’s a more affordable option for people with older cars or limited budgets, but it lacks the comprehensive protection of full-coverage policies.

The average monthly rate for liability-only car insurance in Enid is $74.

To find car insurance companies in Enid that offer the lowest average monthly quotes for liability policies, check out the table below.

Cheapest full-coverage car insurance in Enid: State Farm

Full-coverage insurance includes additional protection for your vehicle, combining comprehensive and collision coverage. A full-coverage policy can be very beneficial for people with newer cars or significant assets. 

It’s a more expensive option but provides a broader safety net, encompassing damage to your car, theft, and various non-collision incidents. If you finance or lease your vehicle, your lender or leasing company will require you to have full coverage.

On average, full-coverage car insurance in Enid costs $155 per month.

This next table highlights the most affordable insurance companies for full-coverage policies in Enid.

Car insurance requirements in Oklahoma

All states have their own unique requirements regarding how much liability coverage you need to drive legally. In the state of Oklahoma, you must meet a minimum liability coverage amount of 25/50/25.2

This table breaks down what those numbers represent.

While you only need to meet state minimum liability requirements, purchasing one or more of these optional types of auto insurance coverage may give you more peace of mind.3

Cheapest car insurance for drivers with an incident

If possible, you want to avoid having incidents — like at-fault auto accidents, speeding tickets, and driving under the influence (DUI) convictions — on your driving record. These incidents can lead to increased insurance rates because they give car insurance companies cause for concern that you’re more likely to file future claims.4

The table below highlights how different driving incidents can affect your auto insurance rates.

Average cost of car insurance by age

Young drivers have less experience and are more likely to engage in risky driving behaviors like speeding. This leads auto insurance companies to charge them higher rates. Once drivers reach age 35 or so, they can expect to see their premiums decrease. 

But rates begin to increase around age 70, as age-related changes to vision and reflexes put senior drivers at higher risk of accidents. 

To better understand how age affects car insurance rates, check out the following table.

Enid car insurance quotes by credit tier

In Oklahoma, insurance companies can use your credit history to help determine insurance premiums. Having a poor credit score leads to higher rates than a good credit score because a low credit score can indicate that a driver is more likely to file claims.

The chart below gives you a look at how your credit tier can affect your car insurance rates in Enid.