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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Pauls Valley Oklahoma

Why Are Car Insurance Rates So Expensive Near Me

Car insurance rates are expensive in Pauls Valley OK due to a number of factors. Oklahoma has a high rate of uninsured drivers, making it more difficult for those who do have coverage to avoid paying higher premiums. Additionally, Oklahoma has some of the highest rates of car accidents and motor vehicle theft in the nation, which can lead to higher claims costs for insurers writing policies in Oklahoma. On top of that, Oklahoma is classified as an ""at-fault"" state when it comes to car accidents, meaning that fault must be determined before any compensation (from either insurance company) is paid out. This means that if you're involved in an accident and you're found at fault, your insurer will likely raise your rates accordingly. Lastly, Oklahoma has a higher rate of catastrophic storms which can cause substantial damage to vehicles and result in higher claims costs for Oklahoma drivers. For all these reasons, Oklahoma residents may find car insurance rates much more expensive than other parts of the country.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $5,049
20 Years $1,999
30 Years $1,540
40 Years $1,482
50 Years $1,372
60 Years $1,391
70 Years $1,619

Auto Insurance Rates for Young vs Older People

Drivers in Pauls Valley face some of the highest auto insurance rates in the nation, regardless of their age. However, young drivers tend to pay more than their older counterparts due to their lack of experience and the associated risk of a higher likelihood of filing a claim. Drivers under 25 years old can expect to pay up to twice as much for auto insurance compared to those 25 and older.

The Oklahoma Insurance Commission requires that all drivers carry at least $25,000 per person/$50,000 per accident for bodily injury liability coverage, plus an additional $25,000 for property damage liability coverage. Pauls Valley Oklahoma also has minimum levels for uninsured or under-insured motorist coverage which is meant to protect you if you’re hit by a driver without insurance.

In Pauls Valley, many insurers will offer discounts to young drivers who: take an approved driving course, or maintain good grades in school; achieve safe driving records (no major violations); and/or agree to install monitoring devices that track their speed and distance traveled. These discounts can help lower premiums for young Oklahoma drivers significantly.

Ultimately, Pauls Valley auto insurance rates vary by individual and may be higher or lower depending on age, location, years of experience behind the wheel, traffic violations, credit score and other factors. Shopping around is the best way to get the lowest rate possible. Comparing quotes online is easy but it's important to make sure you’re getting coverage from an Oklahoma-licensed provider.

No matter what your age, Pauls Valley drivers should always be mindful of their driving habits and strive to practice safe driving behaviors at all times. Doing so not only benefits you, but also everyone else on Oklahoma roads.

Best Auto Insurance Companies in Oklahoma

State Farm

Oklahoma Farm Bureau

Progressive

Shelter

Farmers

NAIC Market Share

16.14%

2.93%

13.45%

8.9%

4.16%

S&P Global Ratings

AA

B++

A

A+

A

Average Full Coverage Yearly Premium

$1,543

$2,044

$2,288

$2,791

$5,069

Discount Rating

3 stars

3 stars

5 stars

5 stars

5 stars


State Farm

Oklahoma Farm Bureau

Progressive

Shelter

Farmers

NAIC Market Share

16.14%

2.93%

13.45%

8.9%

4.16%

S&P Global Ratings

AA

B++

A

A+

A

Average Full Coverage Yearly Premium

$1,543

$2,044

$2,288

$2,791

$5,069

Discount Rating

3 stars

3 stars

5 stars

5 stars

5 stars


State Farm

Oklahoma Farm Bureau

Progressive

Shelter

Farmers

NAIC Market Share

16.14%

2.93%

13.45%

8.9%

4.16%

S&P Global Ratings

AA

B++

A

A+

A

Average Full Coverage Yearly Premium

$1,543

$2,044

$2,288

$2,791

$5,069

Discount Rating

3 stars

3 stars

5 stars

5 stars

5 stars


Car Insurance Companies Near Me

Shelter Insurance - Kive Kerr

516 S Chickasaw St, Pauls Valley, OK 73075

(405) 238-9363

https://www.shelterinsurance.com/CA/agent/KIVEKERR

Charlie Weeks - State Farm Insurance Agent

617 W Paul Ave, Pauls Valley, OK 73075

(405) 238-6483

http://www.charlieweeks.com/

Town & Country Insurance

215 S Chickasaw St, Pauls Valley, OK 73075

(405) 238-5589

https://www.americanfarmersandranchers.com/agency/wynnewood-town-country-llc

Garvin County Farm Bureau - Pauls Valley

1212 S Chickasaw St, Pauls Valley, OK 73075

(405) 238-7366

https://okfbinsurance.com/

Insurance One: Williams Linda

205 S Chickasaw St, Pauls Valley, OK 73075

(405) 360-0052

https://www.insuranceoneagency.com/

Farmers Insurance - Jerry Foster

214 S Walnut St, Pauls Valley, OK 73075

(405) 238-6196

https://agents.farmers.com/ok/pauls-valley/jerry-foster

Comparing the Best Car Insurance Companies Nearby

Oklahoma is known for its diverse terrain, from sprawling plains to towering mountains. When it comes to finding the best car insurance in Pauls Valley, drivers have plenty of options. From nationwide carriers to regional providers, Oklahoma has something for everyone when it comes to reliable coverage and competitive rates. To help you compare Oklahoma car insurance companies, we’ve compiled a list of the top rated carriers based on customer service, value, financial strength and more. Here are some of the best car insurance companies in Oklahoma: State Farm, Farmers Insurance Group, Liberty Mutual Insurance Group, USAA and Geico. Each of these companies offers unique benefits and discounts that can help Oklahoma drivers save money while still getting the coverage they need. Whether you’re looking for liability coverage, comprehensive coverage or something else entirely, Oklahoma’s top car insurance companies are sure to have what you need. Take the time to compare rates and providers today to get the most value out of your Oklahoma car insurance policy.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$4998$995
Reckless Driving$4326$959
Wrong Way/Wrong Lane$3524$945
Driving on Sus. License$3305$916
Illegal Turn$3146$902
Failure to Obey Traffic Sign$2780$868
Speeding over 15$2171$853
Defective Equipment$2130$806
Speeding under 15$2024$778

How Driving Infractions Increase Insurance Premiums

When drivers in Pauls Valley commit traffic violations, they may be subject to increased insurance premiums. Oklahoma's Department of Public Safety (DPS) tracks all driving infractions that occur within the state, and many offenses can lead to higher insurance costs for drivers. Some common traffic violations include speeding, failing to stop at a red light or stop sign, reckless driving, distracted driving, and driving without a valid license.

Speeding is one of the most common traffic infractions in Oklahoma. Pauls Valley drivers who are pulled over for speeding face fines as well as an increase in their insurance premiums. In Oklahoma, drivers who exceed the speed limit by more than 10 mph will be assessed double points on their record and could see an increase in rates from their insurance company.

Driving without a valid license can also lead to increased insurance premiums. Oklahoma requires all drivers to carry a valid driver's license and any infraction related to this offense could result in an increase in rates for the policyholder. Pauls Valley drivers who are caught driving without a license should consult with their insurance provider about the potential impact on their premiums.

Reckless driving is another offense that can result in higher premiums for Pauls Valley drivers. This includes behaviors such as speeding, weaving between lanes, and running red lights or stop signs. In Oklahoma, reckless driving is considered a major violation and can carry stiff penalties including fines, jail time, and points on the driver's record. In addition, insurance companies may increase premiums for drivers who have been convicted of reckless driving.

Finally, Pauls Valley cracks down on distracted driving, which includes activities such as texting and talking on a cell phone while driving. Such behavior can put drivers at higher risk of an accident and insurance companies may raise premiums for drivers who are caught engaging in it.

In Pauls Valley, traffic violations can carry serious consequences that go beyond just the fines associated with them. Drivers should be aware that any infraction could potentially lead to increased insurance premiums, so it is important to drive safely and obey all traffic laws. Doing so can help Oklahoma drivers avoid costly increases in their rates.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1574
Below Fair $3116
Poor $3680
Worst $4559

Does Credit Score Matter When Getting Cheaper Quotes?

Your credit score can have a big impact on how much you pay for car insurance in Pauls Valley. Insurance companies use credit scores to help determine your rate, since they consider people with higher credit scores to be more responsible and thus less likely to file a claim. The effect of a poor credit score may vary from company to company, so it’s important to shop around for quotes when looking for cheaper car insurance in Oklahoma. Even if you don’t get the lowest possible rate due to your credit score, you may still be able to find an affordable policy that meets your needs. Being mindful of other factors such as coverage levels and discounts can also help keep Oklahoma car insurance costs low.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Pauls Valley Oklahoma

Don't Forget The Total Monthly Cost of Your Vehicle

When Pauls Valley residents are looking for a new car, it’s easy to get caught up in the excitement of finding the perfect vehicle. But it’s important to remember that the total monthly cost of owning your chosen vehicle is just as important. Make sure you factor in insurance costs and other fees such as registration or taxes when creating your budget. Also keep an eye on any special deals offered by Oklahoma dealerships or manufacturers. A great deal can help make affording a new car easier than ever! Oklahoma residents should do their research and compare different financing options before making a decision so they can choose the plan that best fits their needs and budget. With the right knowledge and preparation, Oklahoma residents can find the perfect vehicle without breaking the bank.

car insurance companies Pauls Valley OK

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Oklahoma

When it comes to auto insurance in Pauls Valley, drivers are required by law to be adequately insured. The state requires that you maintain at least liability coverage, but there are other types of insurance that can offer more protection against potential losses or damages. Full Coverage vs Liability only insurance is a popular choice for Oklahoma drivers as it offers varying levels of protection.

Liability only covers damages and injuries caused by the policyholder while they are driving their vehicle. This type of policy will cover medical expenses, legal fees and property damage up to a specific limit set forth in the policy. While this type of coverage will provide some basic protection, it does not cover any damages incurred due to an accident involving your own vehicle or any additional financial losses such as lost wages in Pauls Valley.

Full Coverage policies, on the other hand, offer a greater level of protection for Pauls Valley drivers. Not only does this type of policy provide liability coverage but it also offers additional coverage such as collision and comprehensive insurance. This type of policy will cover damages to your own vehicle due to an at-fault accident or if your car is damaged by vandalism, fire or theft. Full coverage policies also offer uninsured motorist coverage in Oklahoma, which provides financial assistance in case you are involved in an accident with a driver who has no insurance.

State Auto Insurance Minimums in Oklahoma

Oklahoma requires drivers to have a minimum of liability insurance coverage. The requirements are as follows: $25,000 for injury/death of one person, $50,000 per accident for bodily injury or death and $25,000 for property damage in any given accident. Oklahoma's state law also requires that all vehicle owners carry uninsured motorist coverage (UIM) with the same limits as the liability required. UIM covers you if you are hit by an uninsured driver or you experience an underinsured claim. Oklahoma is a tort state which means that the at-fault party is responsible for paying damages caused in an accident. It is important to have adequate insurance coverage in Pauls Valley to make sure you are protected from expenses associated with injuries and damages caused in an accident.  Oklahoma also requires drivers to carry a minimum amount of personal injury protection (PIP) coverage. This type of insurance covers medical expenses and lost wages for anyone injured in the car accident regardless of who is at fault. PIP limits are set at $25,000 per person per accident. Oklahoma law also requires that every vehicle owner has a valid liability insurance policy on their vehicles as proof of financial responsibility in case of an at-fault accident. Oklahoma drivers should be aware of these requirements when purchasing auto insurance so they can ensure they have adequate coverage while driving in Oklahoma.

Non-Owner Car Insurance in OK

Pauls Valley drivers who don't own a car can still obtain non-owner car insurance. This type of policy provides coverage for individuals who don’t own a vehicle but need to insure themselves against liability claims or losses that might occur while driving someone else’s car. Non-owner auto insurance is especially helpful for Oklahoma drivers who frequently borrow or rent vehicles, like students and business travelers. Additionally, Oklahoma drivers with multiple DUI convictions may be required to carry this type of policy before being allowed to drive again. For Oklahoma drivers looking for reliable non-owner coverage at an affordable rate, it pays to shop around and compare rates from various providers. Whether you're a student, business traveler, or even have multiple DUIs on your record, non-owner car insurance in Oklahoma can provide you with sound coverage while driving someone else's vehicle.

Car Insurance Discounts in OK

Pauls Valley drivers have the opportunity to save money on their car insurance premiums with a variety of discounts. Oklahoma drivers may qualify for multi-vehicle, good driver, safe driver, and low mileage discounts. Oklahoma also has specific programs available for senior citizens and military personnel. Oklahoma residents may also benefit from bundle discounts when they purchase multiple policies together from the same insurer. Additionally, Oklahoma Auto Insurance offers an Accident Forgiveness Program which helps those who have experienced recent accidents or traffic violations maintain their premium rates. By taking advantage of these special discounts and programs Oklahoma drivers can save substantial amounts of money on their car insurance premiums.

Getting Auto Insurance Coverage for Teenagers

As a parent, you understand the importance of protecting your teenager and making sure they are safe when they start driving on Pauls Valley roads. With that in mind, you should also be aware of the importance of getting auto insurance coverage for your teen driver.

In Pauls Valley, it is required by law to have a minimum amount of auto liability insurance coverage before anyone can legally operate a motor vehicle. This includes teenagers who are new to driving. Oklahoma has two main types of liability insurance that must be purchased: Bodily Injury Liability Coverage and Property Damage Liability Coverage. These two coverages will help protect your teen from financial losses in case there is an accident involving another person's property or bodily injury to another person involved in the accident.

Auto insurance can be expensive, but if you shop around and compare quotes from different companies, you may be able to find a policy that fits your budget. It is also important to discuss any discounts or special programs that are available in Pauls Valley for teenagers who have good driving records. Additionally, consider raising the deductible on your policy to lower the premium costs. The higher the deductible, the lower your premiums will be so it is worth exploring all options when shopping for auto insurance coverage for your teen driver.

Do I Need SR-22 Insurance in Oklahoma

If you're a driver in Pauls Valley, you may be wondering if you have to purchase SR-22 insurance. The answer is yes – Oklahoma requires all drivers who are convicted of certain offenses to file an SR-22 form and obtain SR-22 insurance coverage. This type of auto insurance provides higher levels of liability protection than most traditional car insurance policies.

In Pauls Valley, the following motor vehicle violations will require SR-22 filing: drunk driving (DUI), reckless driving, hit and run, vehicular manslaughter or homicide, driving without proof of financial responsibility (insurance) and excessive speeding. Oklahoma also requires any driver that has their license suspended or revoked for any reason to obtain an SR-22 certificate before they can reinstate their license.

SR-22 insurance can be expensive, and Pauls Valley drivers may also face additional fines, fees and license suspensions when they are required to file an SR-22 form. If you're in Oklahoma and have been notified that you must obtain SR-22 insurance coverage, contact your auto insurance provider for more information about what types of coverage you need to meet Oklahoma's requirements.

Government Auto Insurance Assistance in Oklahoma

If you are in Pauls Valley and are having difficulty paying your auto insurance premiums, there may be government assistance that can help. Oklahoma has several programs to assist people with their auto insurance on a state and federal level. Oklahoma's Department of Human Services provides assistance through the Oklahoma Insurance Discount Program (OIDP). The program helps lower-income individuals and families pay for private auto insurance coverage. Eligible Oklahomans must meet certain requirements, including proof of Oklahoma residency, income, and vehicle ownership.

The Oklahoma Department of Mental Health and Substance Abuse Services also offers the Liability Coverage Assistance Program (LCAP). This program helps low-income individuals purchase required liability coverage for two vehicles up to $100,000 per person and $300,000 per accident. In addition, Pauls Valley residents may be able to get assistance through the Oklahoma Insurance Department's Oklahoma Automobile Insurance Plan (OAIP). This program helps drivers who have difficulty obtaining coverage in the voluntary market find an insurer willing to provide them with insurance.

Finally, Pauls Valley residents may also qualify for financial help from the federal government. The Low Income Home Energy Assistance Program (LIHEAP) provides financial assistance to Oklahoma households with income at or below 150 percent of the poverty level. LIHEAP can cover a portion of auto insurance premiums and other car-related expenses such as repairs and safety inspections.

If you are having trouble paying your auto insurance bills in Pauls Valley, there could be help available

car insurance companies Pauls Valley OK

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Pauls Valley, Oklahoma. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Pauls Valley, OK.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.