Cheapest Auto Insurance in Muskogee, Oklahoma (2025)

Drivers in the former cow town of Muskogee pay an average of $119 per month for car insurance, which is more than the national monthly average of $144. Oklahoma’s more expensive rates could be because it has a relatively high number of deaths per 100 million miles traveled compared to many other states.1 But some drivers can still secure rates cheaper than the national average.

Here’s what you need to know about comparing free online quotes and finding the cheapest car insurance company in Muskogee, Oklahoma.

3 of the cheapest car insurance companies in Muskogee

State Farm, USAA, and Allstate have some of the cheapest average rates in Muskogee, though you should consider many factors before making a decision. Finding an insurance company that fits your budget and coverage needs is just as important as customer service ratings, discount availability, and bundling potential.

Best insurer for affordable rates: State Farm

Best insurer for military members and families: USAA

Best insurer for students: Allstate

How to get the cheapest car insurance in Muskogee

The best way to find the cheapest car insurance is to compare different rates and coverage options from a variety of insurance companies and independent agents. Even high-risk drivers can potentially save by contacting the Oklahoma Automobile Insurance Plan.

Here are some other ways to save money:

• Ask about discounts. Many car insurance companies offer discounts for drivers. You may be able to get a discount for completing a defensive driving course, getting good grades in school, driving a safe vehicle, and signing up for automatic payments.

• Bundle policies. You may be able to save money on multiple insurance policies if you buy your auto insurance and home insurance from the same company. You can also bundle renters and auto insurance.

• Make policy changes. Consider reducing limits for older vehicles or removing optional coverage options that you no longer need.

• Compare quotes. Use a quote-comparison platform to see personalized rates from multiple car insurance companies at once. This is one of the best ways to find cheap quotes.

Cheapest liability-only car insurance in Muskogee: State Farm

Liability-only policies are often the cheapest auto insurance policies because they include just the minimum coverage the state requires.

For example, Oklahoma only requires bodily injury and property damage liability insurance, which means liability-only auto insurance covers the damages and injuries you cause another person or piece of property. It doesn’t pay for your injuries or damages to your property.

Liability-only car insurance in Muskogee costs $79 per month, on average. Compare the average cost of liability insurance from different companies below.

Cheapest full-coverage car insurance in Muskogee: State Farm

Full-coverage car insurance usually includes liability insurance, plus comprehensive and collision insurance. While full coverage is usually more expensive, it pays for your vehicle damages.

For instance, a full-coverage insurance policy compensates you for your damages if you accidentally rear-end a driver at Cherokee Casino or if you hit a pothole when traveling I-40 to Oklahoma City.

The average cost of full-coverage car insurance in Muskogee is $159 per month. Here are some affordable car insurance options for full coverage in Muskogee.

Car insurance requirements in Oklahoma

Oklahoma requires all Muskogee drivers to maintain a minimum liability coverage of 25/50/25. But the Oklahoma Insurance Department mentions that many auto insurance companies encourage drivers to increase that amount to 100/300/100 to ensure they have enough protection.

Here’s what Oklahoma’s 25/50/25 limits translate to:3

It’s a good idea to consider additional, optional coverages that pay for injuries and damages to you, your vehicle, and your passengers, regardless of fault. Some coverages pay for the damage or total loss of your vehicle, and others pay for medical bills. 

Along with collision and comprehensive coverage, you may want to consider these add-ons:

Cheapest car insurance for drivers with an incident

In 2021, Muskogee agencies reported 695 car accidents: 94 due to distracted driving, 43 related to speed, and 22 involving alcohol.4 People with incidents on their driving records — like at-fault accidents, driving under the influence (DUI) convictions, and speeding tickets — typically pay more expensive car insurance premiums. These incidents either directly cost your car insurance company money or increase the likelihood that it’ll have to pay out a claim for your driving behavior.

People with a clean driving record in Muskogee pay an average of $79 per month for liability insurance. But that rate increases to an average of $98 per month after a speeding ticket and $127 per month after a DUI.

Here are the cheapest insurers in Muskogee based on driving history.

Average cost of car insurance by age

Oklahoma reports that 25% of the state’s 16-year-old drivers are involved in an accident or receive a traffic ticket in their first year of driving. Teen drivers also have more crashes than any other age group in Oklahoma.5 This is why rates are highest for younger drivers.

Age is a big factor in setting car insurance rates. Drivers pay the cheapest rates around age 35 as long as they maintain a clean driving record. Rates may increase slightly around age 70 as age-related issues can affect senior drivers’ driving capabilities.6

The table below shows how much drivers in Muskogee pay for car insurance based on age.

Muskogee car insurance quotes by credit tier

Oklahoma car insurance companies can look at your credit history and assign you a credit-based insurance score that assumes your risk of filing a claim.6 Drivers with excellent or good credit usually have cheaper rates than drivers with poor credit because insurers believe good credit correlates to a lower risk.

Here’s what Muskogee drivers pay for car insurance based on credit tier.