Best Cheap Auto Insurance in Stillwater, Oklahoma (2025)

Home to Oklahoma State University, Stillwater has a permanent resident population of 49,000 and is the 10th-largest city in the state.1 However, the university’s undergraduate population is 24,000 students, 26% of which come from out of state.2 This influx of young drivers from across the state and country may contribute to Stillwater’s higher-than-expected average car insurance rates of $124 per month.

Here’s what you need to know about finding the cheapest and best car insurance companies for your situation in Stillwater, Oklahoma.

Best car insurance companies in Stillwater

When shopping for the cheapest car insurance in Stillwater, you need to keep more than the price in mind, as the cheapest policy may not be the right one for your needs as a driver. Insurify identified some of the top auto insurers in the city to help you start your search.

Best full-coverage insurance: State Farm

Best insurance for military members and veterans: USAA

Best liability-only insurance: Allstate

How to get the cheapest car insurance in Stillwater

It takes time to find cheap rates, so you should expect to spend some time in the insurance-shopping process.

“It pays to shop your coverage to compare costs and coverages,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “You can find significant price differences between companies and potentially save hundreds of dollars based on the insurer you choose. When shopping for coverage, we recommend getting at least three quotes and finding out what kinds of discounts each insurer offers.”

Keep in mind the best ways to find affordable car insurance when shopping insurers in Stillwater:

• Research different insurance companies. Shop around using a comparison site like Insurify and compare quotes from multiple insurance companies to find the best rate tailored to your needs.

• Bundle your policies. Maximize your savings potential by inquiring about multi-policy discounts when bundling your auto policy with other insurance products like renters insurance, home insurance, or umbrella policies.

• Drive safely. Maintain a clean driving record by obeying traffic laws and avoiding accidents and violations, as this can help keep your insurance rates affordable.

• Choose a higher deductible. Raising your deductible typically results in lower premiums. Just make sure you can afford the out-of-pocket cost if you ever file a claim.

• Ask for discounts. Don’t forget to ask about available discounts you may qualify for. Common discounts include vehicle safety features, anti-lock brakes, good driving, good grades, and defensive driving education courses.

Cheapest liability-only car insurance in Stillwater: State Farm

Liability insurance is a type of coverage that provides financial protection for damages or injuries you cause to other drivers and passengers in a car accident. It doesn’t cover repairs to your own vehicle or your medical bills. This type of insurance meets Oklahoma’s state-minimum requirements for car insurance and pays for the other party’s medical expenses and property damage up to your policy’s limits.

Stillwater residents can find the cheapest liability coverage from State Farm for $51 per month.

Here are the cheapest average liability-only car insurance quotes in Stillwater, Oklahoma.

Cheapest full-coverage car insurance in Stillwater: State Farm

Liability-only car insurance safeguards against damages and injuries you cause to others while excluding coverage for your own vehicle. Full-coverage car insurance extends beyond liability, encompassing protection for damages to your car.

Full-coverage insurance is a good idea for drivers with valuable cars, people living in areas with high accident rates or theft incidents, or anyone seeking comprehensive coverage for both personal and third-party damages.

State Farm has the cheapest full-coverage insurance in Stillwater for $80

This table breaks down which Stillwater auto insurance companies offer the cheapest average full-coverage quotes.

Car insurance requirements in Oklahoma

To meet Oklahoma state law, drivers must meet the minimum car insurance requirements the state establishes. Oklahoma’s minimum liability insurance is 25/50/25, which translates to the following coverages:3

Liability insurance is the bare-minimum coverage you can purchase to drive in Oklahoma. Because it doesn’t offer coverage for your own vehicle damages or injuries, drivers should consider additional coverages to add to their auto policies. In addition to bodily injury and property damage liability coverage, you can also buy these optional coverages for peace of mind:

Cheapest car insurance for drivers with an incident

If you’re a driver who has experienced incidents such as at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, or other moving violations, finding budget-friendly car insurance is essential. Keep in mind that incidents often lead to higher rates because they indicate a higher probability of future claims.4

If you have any minor or major violations on your driving record, here’s what you need to know about how it can affect your car insurance premiums in Stillwater.

Cheapest car insurance for drivers with a speeding ticket: State Farm

If you have a speeding ticket on your record, you can expect your auto insurance premiums to be higher than if you have a clean driving record, even if you didn’t cause a car accident. Speeding is a risky behavior and was a factor in 29% of all car accident fatalities in 2021.5 To offset this risk, insurance companies charge higher rates to drivers with speeding tickets.

On average, Stillwater residents with a speeding ticket pay $214 per month for full-coverage insurance, and $94 per month for liability-only coverage.

Here’s a look at the average monthly quotes for the cheapest Stillwater insurance companies for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Payne County, where Stillwater is located, reported a little more than 1,100 car crashes in 2020.6 Having an at-fault accident on your driving record can lead to increased auto insurance rates. Insurance companies raise rates to mitigate potential losses from future accidents.4

But, drivers with an accident on their record can still find affordable liability rates from State Farm for $64 per month.

If you have an at-fault accident on your record, consult the table below for the average quotes from the cheapest car insurance companies in Stillwater.

Cheapest car insurance for drivers with a DUI: State Farm

DUIs are major violations and lead to significantly higher car insurance premiums. Car insurance companies see a history of DUIs as a significant risk to them financially and increase rates accordingly.

On average, drivers with a DUI pay $122 per month for liability coverage, and $279 for full coverage in Stillwater

If you have a DUI on your record, State Farm offers the cheapest rates in Stillwater, but review this table to help find more affordable companies.

Cheapest car insurance for seniors: State Farm

Age is a key factor that auto insurers use in determining car insurance rates. Rates typically decrease around age 35 as drivers accumulate more experience. Nevertheless, around age 70, premiums may increase slightly due to factors such as potential health issues and higher accident risks.7

State Farm offers the cheapest rates for seniors at $41 per month.

The table below shows the insurers with the cheapest quotes for senior drivers in Stillwater.

Cheapest car insurance for teens: State Farm

Teenagers and young adults often face significantly higher rates compared to older drivers due to their limited driving experience and increased risk factors. As a teen, one way to secure cheap car insurance in Stillwater is by remaining on a parent’s insurance policy, as it typically results in more favorable rates. Moreover, selecting a safe and reliable vehicle with good safety features and maintaining good grades to qualify for a good student discount can further help you find affordable rates.

Stillwater teens can find the most affordable coverage from State Farm for $100 per month.

Here are the cheapest average car insurance quotes for teen drivers in Stillwater.

Stillwater car insurance quotes by credit tier

While some states don’t allow insurance companies to use credit history to determine premiums, insurers in Oklahoma can. Having a poor credit can indicate to insurance companies that you’re more likely to file a claim and as a result, they may charge a higher premium. If you have an excellent or good credit, you may pay lower rates.

Here’s how average car insurance rates in Stillwater rise as credit scores go down.

Is car insurance more expensive in Stillwater?

The average cost of full-coverage car insurance in the Oklahoma is $130, which similar to the average rate in Stillwater of $124. However, car insurance rates can vary significantly from one city to another in Oklahoma because of different factors in ZIP code, like weather conditions, crime rates, and traffic congestion.8

More cities in Oklahoma

To get a better idea of how car insurance rates can vary by city and ZIP code in Oklahoma, here’s how the average monthly rate for car insurance in Stillwater compares to other Oklahoma cities.