Cheapest Auto Insurance in Enid, Oklahoma (2024)
State Farm offers the cheapest car insurance in Enid, with minimum-coverage policies as low as $33 per month.
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Written byJacqueline DeMarco
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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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Updated October 30, 2024
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Table of contents
Drivers in Enid, Oklahoma, pay an overall average of $131 per month for car insurance, which is lower than the overall state average of $138 and the overall national average of $158.
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.
Quick Facts
Enid drivers pay an average of $77 per month for liability coverage and $185 per month for full coverage.
State Farm, USAA, and Allstate offer the cheapest car insurance policies in Enid.
Full-coverage car insurance costs Enid drivers an average of $2,219 per year.
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.
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 rates |
| USAA | 9.4 | $84 | $42 | Military members and their families |
| Allstate | 8.9 | $93 | $46 | Safe drivers |
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 rates: 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. | $33/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. | $59/mo |
State Farm offers some of the most affordable auto insurance premiums in Enid and makes it possible to save even more money thanks to the wide variety of discounts. You may be able to qualify for discounts by doing things like earning good grades if you’re a student or completing a defensive driver course.
Be sure to ask a State Farm insurance agent about what discounts you may qualify for.
Pros
Many available discounts
High ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Cons
Policies not available online
Gap insurance not available
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.
…
Best insurer for military members and their families: 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. | $41/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. | $73/mo |
USAA offers insurance services and competitive rates to military members, veterans, and their families. Nearly 3,100 Enid residents are veterans, so this company could suit the needs of many Enid families.
Pros
AM Best financial strength rating of A++ (Superior)
Specialized discounts for the military community
Cons
Gap insurance not available
Limited eligibility
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.
…
Best insurer for safe drivers: 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. | $46/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. | $81/mo |
In Enid, there were 74 car accidents in 2021. If you’re a safe driver, you can save a lot with Allstate thanks to its DriveWise app. Using this app can lead to discounts if you practice safe driving habits. It can also help out in dangerous situations by automatically alerting authorities if it detects that you’ve been in an accident.
Pros
Offer classic car coverage and Mexico car insurance
Variety of available discounts
Cons
Negative customer reviews on Trustpilot
Below-average J.D. Power customer satisfaction rating in the Central region
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 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.
Find Cheap Car Insurance in Enid, OK
Liability rates start at $33 per month
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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 $77.
To find car insurance companies in Enid that offer the lowest average monthly quotes for liability policies, check out the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $33 |
| USAA | $41 |
| Allstate | $46 |
| Mercury | $54 |
| Safeco | $62 |
| GEICO | $66 |
| Farmers | $70 |
| Progressive | $71 |
| National General | $72 |
| Clearcover | $73 |
| CSAA | $79 |
| Direct Auto | $84 |
| Liberty Mutual | $86 |
| Midvale Home & Auto | $89 |
| GAINSCO | $97 |
| Shelter | $98 |
| The General | $98 |
| Hallmark | $109 |
| Foremost | $126 |
| Bristol West | $134 |
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 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 $185 per month.
This next table highlights the most affordable insurance companies for full-coverage policies in Enid.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $59 |
| USAA | $73 |
| Allstate | $81 |
| Mercury | $105 |
| GEICO | $117 |
| Farmers | $124 |
| Progressive | $129 |
| Safeco | $142 |
| National General | $149 |
| Direct Auto | $150 |
| Clearcover | $151 |
| CSAA | $165 |
| Shelter | $175 |
| Midvale Home & Auto | $196 |
| The General | $210 |
| Liberty Mutual | $218 |
| GAINSCO | $234 |
| Hallmark | $249 |
| Foremost | $265 |
| Bristol West | $284 |
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 Enid, Oklahoma
Recent Enid, Oklahoma car insurance prices for Chevrolet, Jeep, Hyundai , and more.
*Quotes generated for Insurify users in and around Enid, 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 Enid, 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
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.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
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]
Collision coverage
Collision insurance covers vehicle repairs following a collision, regardless of who was at fault.
Comprehensive coverage
Comprehensive insurance safeguards against non-collision damages, like natural disasters, vandalism, theft, fires, or falling objects.
Gap coverage
If you experience a total loss, gap insurance pays the difference between your loan balance and insurance settlement.
Uninsured/underinsured motorist coverage
With uninsured/underinsured motorist coverage, you’ll receive coverage for damages and injuries if an uninsured or underinsured driver causes an accident.
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.
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 | $33 | $43 | $45 | $55 |
| USAA | $41 | $54 | $56 | $68 |
| Allstate | $46 | $61 | $63 | $77 |
| Mercury | $54 | $77 | $79 | $82 |
| Safeco | $62 | $83 | $83 | $103 |
| GEICO | $66 | $87 | $91 | $110 |
| Farmers | $70 | $92 | $96 | $117 |
| Progressive | $71 | $94 | $99 | $118 |
| National General | $72 | $96 | $99 | $120 |
| Clearcover | $73 | $98 | $107 | $122 |
| CSAA | $79 | $107 | $113 | $132 |
| Direct Auto | $84 | $111 | $118 | $140 |
| Liberty Mutual | $86 | $123 | $126 | $143 |
| GAINSCO | $97 | $139 | $128 | $162 |
| Shelter | $98 | $135 | $140 | $163 |
| The General | $98 | $131 | $137 | $163 |
| Foremost | $126 | $180 | $185 | $210 |
| Bristol West | $134 | $177 | $183 | $223 |
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
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.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $328 |
| 20s | $228 |
| 30s | $169 |
| 40s | $153 |
| 50s | $137 |
| 60s | $132 |
| 70s | $142 |
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.
Shop for Car Insurance in Enid, Oklahoma
Check quotes from 100+ top insurance companies
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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.
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.
Enid car insurance FAQs
Check out the additional information below as you shop for car insurance coverage in Enid, Oklahoma.
How much is car insurance in Enid?
Car insurance in Enid costs $77 per month for liability coverage and $185 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Enid?
State Farm has the cheapest car insurance in Enid, with monthly liability rates of $33. USAA and Allstate also offer affordable coverage, with respective monthly liability rates of $41 and $46.
But the cheapest company for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and coverage levels you choose.
What are the best car insurance companies in Enid?
With an IQ Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and low rates, State Farm is the best car insurance company in Enid. Other top insurers 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
- Insurance Information Institute. "How to save money on car insurance."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
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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