Cheapest Auto Insurance in Bartlesville, Oklahoma (2024)
State Farm is the cheapest car insurance company in Bartlesville, with monthly liability rates as low as $31.
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Written byJess Ullrich
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10+ years writing insurance and personal finance topics
Former associate finance editor for Investopedia
Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.
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Updated October 30, 2024
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Table of contents
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 $124 per month, on average. To put that figure in perspective, Oklahomans pay an average of $138 per month, while drivers in the U.S. pay an average of $158 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.
Quick Facts
Bartlesville drivers pay an average of $78 per month for liability coverage and $170 per month for full coverage.
State Farm, USAA, and Allstate have the cheapest car insurance in Bartlesville.
Full-coverage car insurance in Bartlesville costs an average of $2,040 per year.
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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $33 | Cheap coverage |
| USAA | 9.4 | $84 | $42 | Veterans |
| Allstate | 8.9 | $93 | $46 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap coverage: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $31/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $55/mo |
State Farm offers some of the cheapest car insurance coverage in Bartlesville, so it’s a good option if your top priority is saving money on your auto policy. In addition to affordable coverage, State Farm offers a series of discounts that could further lower your insurance rates. Bartlesville drivers can get several discounts for safe driving, vehicle safety features, and bundling policies.
Pros
Affordable rates
Several available discounts
Cons
Discounts vary by state
Doesn’t offer gap insurance
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
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Best insurer for veterans: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $69/mo |
Oklahoma is home to eight military installations, and Bartlesville itself is home to 2,213 veterans.[1] This financial services company specializes in offering insurance, banking, and investing products to current and former military members. Its insurance products include auto, homeowners insurance, renters insurance, small-business insurance, life insurance, and more.
The company also offers many discounts, including up to 30% off if you enroll in the USAA Safepilot program and maintain safe driving habits.
Pros
Offers low rates
Many available discounts
Cons
Only available to military members, veterans, and eligible family members
Doesn’t offer gap insurance
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
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Best insurer for discounts: Allstate
AllstateCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $77/mo |
While Allstate’s premiums are slightly higher on average than State Farm and USAA, this insurer also offers a broader range of discounts. You can get the best deal by bundling your coverage, insuring multiple vehicles, driving a new vehicle, or having specific safety and security features in your car.
Pros
Auto policies are relatively inexpensive
More discounts than many competitors
Cons
Not the cheapest coverage available
Mixed customer reviews on Trustpilot
Read more driver reviews of Allstate
Howard - October 29, 2024
Verified
They Have You By The Short Hairs
I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.
Hugh - October 29, 2024
Verified
Actual Crash Damages vs. Damages Quoted Over the Phone
There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.
Miriam - October 29, 2024
Verified
Best Overall
Check around before choosing. Allstate has been my choice for years.
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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.
Find Cheap Car Insurance in Bartlesville
Minimum-coverage rates start at $31 per month
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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 $78 per month for liability coverage.
Here are some top companies in the insurance industry offering affordable liability-only coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $31 |
| USAA | $39 |
| Allstate | $43 |
| Mercury | $51 |
| Safeco | $59 |
| GEICO | $62 |
| Farmers | $66 |
| Progressive | $67 |
| Clearcover | $69 |
| National General | $69 |
| CSAA | $75 |
| Direct Auto | $79 |
| Liberty Mutual | $82 |
| Midvale Home & Auto | $84 |
| GAINSCO | $91 |
| Shelter | $92 |
| The General | $92 |
| Hallmark | $103 |
| Foremost | $120 |
| Bristol West | $127 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $170 per month. Below are the most affordable full-coverage car insurance policies in the city.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $55 |
| USAA | $69 |
| Allstate | $77 |
| Mercury | $99 |
| GEICO | $111 |
| Farmers | $118 |
| Progressive | $122 |
| Safeco | $135 |
| National General | $141 |
| Direct Auto | $142 |
| Clearcover | $143 |
| CSAA | $157 |
| Shelter | $165 |
| Midvale Home & Auto | $186 |
| The General | $199 |
| Liberty Mutual | $207 |
| GAINSCO | $222 |
| Hallmark | $236 |
| Foremost | $251 |
| Bristol West | $269 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Bartlesville, Oklahoma
Recent Bartlesville, Oklahoma car insurance prices for Subaru, Chevrolet, RAM , and more.
*Quotes generated for Insurify users in and around Bartlesville, Oklahoma within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Bartlesville, Oklahoma within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
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:
Medical payments coverage
Medical payments insurance covers medical bills for you and your passengers if you’re hurt in a car accident. It can also cover funeral costs.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have sufficient insurance to pay for your damages.
Cheapest car insurance for drivers with an incident
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.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $31 | $41 | $42 | $52 |
| USAA | $39 | $52 | $54 | $65 |
| Allstate | $43 | $57 | $59 | $72 |
| Mercury | $51 | $72 | $75 | $78 |
| Safeco | $59 | $79 | $79 | $98 |
| GEICO | $62 | $82 | $85 | $103 |
| Farmers | $66 | $87 | $90 | $110 |
| Progressive | $67 | $89 | $93 | $112 |
| Clearcover | $69 | $93 | $102 | $115 |
| National General | $69 | $92 | $95 | $115 |
| CSAA | $75 | $101 | $107 | $125 |
| Direct Auto | $79 | $104 | $111 | $132 |
| Liberty Mutual | $82 | $117 | $120 | $137 |
| GAINSCO | $91 | $130 | $120 | $152 |
| Shelter | $92 | $127 | $131 | $153 |
| The General | $92 | $123 | $128 | $153 |
| Foremost | $120 | $172 | $176 | $200 |
| Bristol West | $127 | $168 | $173 | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $297 |
| 20s | $206 |
| 30s | $153 |
| 40s | $139 |
| 50s | $124 |
| 60s | $120 |
| 70s | $128 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Bartlesville, OK
Check quotes from 100+ top insurance companies
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Bartlesville car insurance FAQs
If you’re shopping for car insurance in Bartlesville, Oklahoma, this additional information may help as you research your coverage options.
How much is car insurance in Bartlesville?
Car insurance in Bartlesville costs an average of $78 per month for liability coverage and $170 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Bartlesville?
State Farm has the cheapest car insurance in Bartlesville, with monthly liability rates of $31. You can also find affordable coverage from USAA and Allstate, which have monthly liability rates of $39 and $43, respectively.
But the cheapest insurer for you will depend on multiple factors, such as your age, gender, ZIP code, type of car you drive, and more.
What are the best car insurance companies in Bartlesville?
State Farm is one of the best car insurance companies in Bartlesville. It has an IQ Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction ratings.
Other top insurers in the city include Allstate and USAA.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Oklahoma
Sources
- U.S. Census Bureau. "QuickFacts Bartlesville City, Oklahoma."
- Insurance Information Institute. "How to save money on car insurance."
- Oklahoma Insurance Department. "A Guide to Dealing With Auto Insurance & Accidents."
- Insurance Institute for Highway Safety. "Teenagers."
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Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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