Cheapest Auto Insurance in Ponca City, Oklahoma (2025)

The average cost of car insurance for drivers living in the Ponca City community is $115 per month, which similar to the U.S. average of $144 and the Oklahoma average of $130.

Where you live, down to your ZIP code, affects your car insurance prices. Because Ponca City has a relatively small population of about 25,000 residents, drivers likely face less road congestion than people in more populated cities.1 This may explain why residents benefit from lower rates.

Here’s what you need to know about finding cheap car insurance in Ponca City.

3 of the cheapest car insurance companies in Ponca City

Finding a great deal on car insurance shouldn’t be your only focus when looking for coverage. The key to choosing the right auto insurance company is considering coverage types, features, financial stability ratings, and price.

Start your search for the right car insurance policy by comparing quotes from three of the best and cheapest auto insurance policies in Ponca City below. The average rates reflect statewide insurance costs.

Best insurer for cheap rates: State Farm

Best insurer for the military community: USAA

Best insurer for safe drivers: Allstate

How to get the cheapest car insurance in Ponca City

Some factors that influence your car insurance rates are beyond your control, but you can still take steps to reduce your insurance costs. Follow these tips to find the most affordable car insurance in Ponca City:

• Compare quotes. Obtain quotes from at least three insurance companies to identify the one offering the best rates for your required coverage. You’ll also want to consider factors like the customer service experience, online consumer reviews, plan limits, and exclusions into account when shopping around.

• Bundle policies. Many insurers provide discounts when you purchase multiple insurance products from them. Consider buying your life insurance, business insurance, home insurance, renters insurance, or any other type of insurance policy you need with one company for added savings.

• Utilize discounts. If you can’t find information about discounts on the company’s website, ask your insurance agent or broker for advice about potential discounts you can qualify for, like safe driving, good student, and anti-theft device discounts. If you don’t have coverage from a specific agency, you can reach out to an independent agent.

• Improve your credit score. You can improve your credit score by keeping credit card usage below 30% of your available credit and paying bills on time, as auto insurers often factor in your credit score when determining rates.2

Cheapest liability-only car insurance in Ponca City: State Farm

Liability car insurance covers costs related to the damage and injuries you cause the other driver in an accident. This doesn’t cover your car’s damage or your medical bills. Liability policies fulfill legal obligations, so this minimum amount of coverage can save drivers money. In Ponca City, liability-only car insurance rates start at $47 per month.

Here are the liability-only rates from the cheapest car insurance companies in Ponca City.

Cheapest full-coverage car insurance in Ponca City: State Farm

Full-coverage insurance provides liability, collision, and comprehensive coverage for your vehicle and medical expenses. Drivers with newer or higher-value vehicles will benefit from purchasing full-coverage insurance because it shields vehicles against theft, accidents, and natural disasters.

Keep in mind that if you finance or lease your vehicle, your lender or leasing company will mandate the purchase of full-coverage car insurance. Even if you don’t need to purchase it, you should consider it.

Ponca City drivers spend an average of $153 per month for full-coverage insurance. The table below shares some of the cheapest average insurance companies in the area for this coverage type.

Car insurance requirements in Oklahoma

To drive legally in Oklahoma, you must meet the state’s minimum car insurance coverage requirements, which include bodily injury and property damage liability coverage. Like many states, Oklahoma follows the popular 25/50/25 coverage rule.

Here are the state’s specific minimum requirements:3

In addition to the legally mandated coverage, you may also want to supplement your base policy with car insurance add-ons for more financial security and vehicle protection. Consider the following common coverage options:

Cheapest car insurance for drivers with an incident

Driving incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions can result in higher car insurance rates.4 Car insurance companies may view you as a high-risk driver more likely to file future claims if you have past incidents on your record.

The average cost of liability car insurance for Ponca City drivers with a past driving incident is $85 per month. Below, you can see how liability insurance rates in Ponca City vary by driving record.

Average cost of car insurance by age

Your age will affect how much you pay for car insurance. Teen drivers face the highest insurance rates because of limited driving experience and a higher likelihood of accidents, making them a higher risk for insurers.

Car insurance rates typically decrease for drivers around age 35 due to a driver’s increased experience and a generally lower risk profile. But for senior drivers around age 70, rates may increase due to aging-related risk factors, such as potential health issues and diminished reaction times.

Compare the average car insurance quotes by driver age in Ponca City below.

Ponca City car insurance quotes by credit tier

Oklahoma state law permits car insurance companies to consider your credit-based insurance score when setting car insurance rates. Drivers with poor credit scores pay more on average for car insurance than drivers who have excellent or good credit scores.

See how your credit history can affect full-coverage car insurance premiums in Ponca City below.