13+ years writing insurance and personal finance content
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
The average cost of car insurance for drivers living in the Ponca City community is $129 per month, which similar to the U.S. average of $154 and the Oklahoma average of $133.
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.
State Farm, USAA, and Allstate are the cheapest car insurance companies in Ponca City.
Oklahoma car insurance companies can consider your credit-based insurance score when determining premiums.
Ponca City drivers pay $77 per month for liability insurance and $180 for full-coverage insurance, on average.
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.
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 | $64 | $30 | Cheap rates |
USAA | 9.4 | $79 | $37 | Military members |
Allstate | 8.9 | $87 | $41 | Safe drivers |
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
User Reviews | 4.2 |
---|---|
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. | $29/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. | $61/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Charles
November 19, 2024
New Car Price
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
State Farm offers some of the cheapest car insurance for Ponca City drivers, as well as around a dozen discounts that customers can benefit from. You can qualify for discounts by completing a defensive driving course, earning good grades, and equipping your vehicle with safety features.
Highly ranked in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study
Wide variety of potential discounts
No online enrollment
Gap insurance not available
Best insurer for the military community: USAA
User Reviews | 4.9 |
---|---|
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. | $36/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. | $76/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
About 8% of Ponca City residents are veterans. USAA sells insurance products and other financial services to military members, veterans, and their families. If you qualify for coverage from USAA, you can access competitive rates, customized policies, and unique discounts.
Specialized discounts
AM Best financial strength rating of A++ (Superior)
Gap insurance not available
Limited membership eligibility
Best insurer for safe drivers: Allstate
User Reviews | 4.0 |
---|---|
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. | $40/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. | $83/mo |
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
Rodney
November 20, 2024
Lower Insurance
Lyudmila
November 14, 2024
No Discount for Seniors
Latonya
November 12, 2024
Not Recommended
Ponca City drivers with safe driving habits can save with Allstate’s DriveWise app. The program rewards safe drivers with discounts. The Drivewise app also comes with helpful safety features and will alert authorities automatically if it detects a car accident.
Many available discounts
Hybrid and classic car coverage available
Below-average ranking in the J.D. Power 2023 U.S. Insurance Shopping Study
Some negative online customer reviews
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 $29 per month.
Here are the liability-only rates from the cheapest car insurance companies in Ponca City.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $29 |
USAA | $36 |
Allstate | $40 |
Mercury | $56 |
GEICO | $57 |
Farmers | $61 |
Root | $68 |
Progressive | $70 |
National General | $72 |
CSAA | $75 |
Safeco | $79 |
Clearcover | $83 |
Direct Auto | $83 |
Shelter | $86 |
The General | $96 |
GAINSCO | $104 |
Bristol West | $130 |
Foremost | $134 |
Liberty Mutual | $155 |
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 $180 per month for full-coverage insurance. The table below shares some of the cheapest average insurance companies in the area for this coverage type.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $61 |
USAA | $76 |
Allstate | $83 |
GEICO | $120 |
Farmers | $128 |
Progressive | $130 |
Root | $130 |
Mercury | $134 |
CSAA | $146 |
National General | $153 |
Direct Auto | $161 |
Safeco | $163 |
Clearcover | $169 |
Shelter | $180 |
The General | $206 |
GAINSCO | $257 |
Liberty Mutual | $273 |
Foremost | $279 |
Bristol West | $295 |
Cheapest recent rates near Ponca City, Oklahoma
Recent Ponca City, Oklahoma car insurance prices for Lincoln, RAM, KIA , and more.
*Quotes generated for Insurify users in and around Ponca City, Oklahoma within the last 10 days. Last updated on November 21, 2024
*Quotes generated for Insurify users in and around Ponca City, Oklahoma within the last 10 days. Last updated on November 21, 2024
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]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $25,000 |
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:
Comprehensive coverage
Comprehensive insurance covers vehicle damages and loss from non-collision incidents like theft, vandalism, fires, natural disasters, or falling objects.
Collision coverage
Collision coverage policies pay for vehicle repair costs when you collide with another vehicle or a stationary object, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your damages and injuries if a driver without insurance or insufficient insurance coverage causes an accident.
Gap coverage
When you have gap insurance, you can rest easy knowing your insurer will pay the difference between your auto loan or lease balance and your insurance settlement compensation after a total loss.
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 $101 per month. Below, you can see how liability insurance rates in Ponca City vary by driving record.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
State Farm | $29 | $38 | $40 | $48 |
USAA | $36 | $48 | $50 | $60 |
Allstate | $40 | $53 | $55 | $67 |
Mercury | $56 | $80 | $82 | $86 |
GEICO | $57 | $76 | $79 | $95 |
Farmers | $61 | $81 | $84 | $101 |
Root | $68 | $97 | $100 | $101 |
Progressive | $70 | $93 | $97 | $116 |
National General | $72 | $97 | $99 | $120 |
CSAA | $75 | $102 | $107 | $112 |
Safeco | $79 | $107 | $108 | $122 |
Clearcover | $83 | $111 | $123 | $138 |
Direct Auto | $83 | $111 | $117 | $138 |
Shelter | $86 | $119 | $123 | $143 |
The General | $96 | $131 | $134 | $160 |
GAINSCO | $104 | $149 | $137 | $173 |
Bristol West | $130 | $175 | $179 | $216 |
Foremost | $134 | $192 | $196 | $223 |
Liberty Mutual | $155 | $222 | $227 | $258 |
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.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $383 |
20s | $266 |
30s | $198 |
40s | $179 |
50s | $160 |
60s | $154 |
70s | $165 |
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.
Rates by Credit Tier
Ponca City car insurance FAQs
Finding the right auto insurer to meet your unique insurance needs is important. The following information should help answer any of your remaining questions about getting cheap car insurance in Ponca City.
How much is car insurance in Ponca City?
The overall cost of car insurance in Ponca City is $157 per month. Ponca City drivers pay $77 per month for liability insurance and $77 for full-coverage insurance, on average. Your driving record, age, credit history, and more affect how much you pay for car insurance.
Which companies have the cheapest car insurance in Ponca City?
The cost of liability car insurance from State Farm is $29 per month, making it the cheapest car insurance company in Ponca City. USAA and Allstate also offer cheap liability insurance, with respective rates of $36 and $40 per month.
The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Ponca City?
State Farm is the best car insurance company in Ponca City, thanks to an Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and customizable coverage options. Oklahoma drivers pay an average of $30 per month for liability insurance and $64 for full-coverage insurance from State Farm.
Other top insurers include USAA and Allstate.
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
- United States Census Bureau. "QuickFacts Ponca City city, Oklahoma."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in