Best Enid, OK Car Insurance in 2026
Car insurance in Enid, OK averages $318 a month. Enid, Oklahoma car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Enid car insurance rates, compare quotes from the top car insurance companies in Enid, OK.
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Insurance and Finance Expert
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated January 2026
- Average car insurance rates in Enid, OK are $3,818/year
- The cheapest ZIP code in Enid is 73703
- The cheapest car insurance company in Enid for teen drivers is State Farm
If you need to buy Enid, Oklahoma car insurance, the options can be confusing. Everything you need to know about car insurance in Enid, OK is right here.
You’ll find Enid car insurance rates, the cheapest Enid, OK car insurance companies, and information on Oklahoma car insurance laws. You can also compare Enid, Oklahoma car insurance rates to Moore car insurance rates, Edmond car insurance rates, and Tulsa car insurance rates.
Ready to find affordable Enid, OK car insurance today? Enter your ZIP code for fast, free Enid car insurance quotes.
Cheapest Enid, OK Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Enid, OK car insurance rates? Every Enid, Oklahoma car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,153 | $2,165 | $1,980 | $2,079 | $6,520 | $7,632 | $2,329 | $2,458 |
| Farmers | $2,127 | $2,110 | $1,908 | $2,017 | $8,246 | $8,462 | $2,419 | $2,531 |
| Geico | $2,145 | $2,322 | $2,260 | $2,500 | $6,078 | $6,489 | $1,881 | $1,913 |
| Liberty Mutual | $4,264 | $4,495 | $3,764 | $4,083 | $11,573 | $12,679 | $4,428 | $4,573 |
| Progressive | $2,511 | $2,384 | $2,068 | $2,189 | $10,044 | $11,254 | $2,938 | $3,080 |
| State Farm | $1,793 | $1,793 | $1,589 | $1,589 | $4,731 | $5,953 | $1,889 | $2,123 |
| USAA | $1,746 | $1,756 | $1,671 | $1,699 | $5,511 | $6,185 | $2,256 | $2,489 |
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Minimum Car Insurance in Enid, OK
Every driver must carry the minimum car insurance in Enid, OK. Take a look at the Oklahoma car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Enid, OK Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Enid, OK. Compare credit history car insurance rates in Enid from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,217 | $3,201 | $2,827 |
| Farmers | $4,279 | $3,538 | $3,365 |
| Geico | $3,852 | $3,199 | $2,545 |
| Liberty Mutual | $8,953 | $5,459 | $4,285 |
| Progressive | $5,171 | $4,406 | $4,098 |
| State Farm | $3,729 | $2,391 | $1,927 |
| USAA | $4,329 | $2,457 | $1,957 |
Cheapest Enid, OK Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Enid, OK to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,945 | $3,446 | $3,964 | $3,304 |
| Farmers | $3,144 | $4,044 | $3,945 | $3,777 |
| Geico | $2,351 | $3,566 | $3,899 | $2,978 |
| Liberty Mutual | $4,202 | $7,012 | $7,934 | $5,781 |
| Progressive | $3,549 | $6,600 | $3,918 | $4,167 |
| State Farm | $2,480 | $2,885 | $2,682 | $2,682 |
| USAA | $2,154 | $3,078 | $3,776 | $2,649 |
Cheapest Enid, OK Car Insurance for Teen Drivers
Teen car insurance in Enid, OK can be expensive. Take a look at rates from the top car insurance companies in Enid for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,520 | $7,632 |
| Farmers | $8,246 | $8,462 |
| Geico | $6,078 | $6,489 |
| Liberty Mutual | $11,573 | $12,679 |
| Progressive | $10,044 | $11,254 |
| State Farm | $4,731 | $5,953 |
| USAA | $5,511 | $6,185 |
Cheapest Enid, OK Car Insurance for Seniors
Take a look at Enid, OK senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,980 | $2,079 |
| Farmers | $1,908 | $2,017 |
| Geico | $2,260 | $2,500 |
| Liberty Mutual | $3,764 | $4,083 |
| Progressive | $2,068 | $2,189 |
| State Farm | $1,589 | $1,589 |
| USAA | $1,671 | $1,699 |
Cheapest Enid, OK Car Insurance Rates After a DUI
A DUI in Enid, OK increases car insurance rates. Compare Enid, Oklahoma DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,964 |
| Farmers | $3,945 |
| Geico | $3,899 |
| Liberty Mutual | $7,934 |
| Progressive | $3,918 |
| State Farm | $2,682 |
| USAA | $3,776 |
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Cheapest Enid, OK Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Enid, OK by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,415 | $3,415 |
| Farmers | $3,727 | $3,727 |
| Geico | $3,136 | $3,262 |
| Liberty Mutual | $6,232 | $6,232 |
| Progressive | $4,559 | $4,559 |
| State Farm | $2,637 | $2,728 |
| USAA | $2,879 | $2,949 |
Cheapest Enid, OK Car Insurance Rates by ZIP Code
Enid car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Enid, OK.
| ZIP Code | Average Annual Rates |
|---|---|
| 73701 | $3,859 |
| 73703 | $3,706 |
| 73705 | $3,811 |
The Best Cheap Car Insurance Companies in Enid, OK
Take a look at a side-by-side comparison of the top car insurance companies in Enid, OK to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,415 |
| Farmers | $3,727 |
| Geico | $3,199 |
| Liberty Mutual | $6,232 |
| Progressive | $4,559 |
| State Farm | $2,682 |
| USAA | $2,914 |
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Category Winners: Cheapest Car Insurance in Enid, Oklahoma
Find the cheapest car insurance companies in Enid, OK for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Enid, OK Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Enid car insurance rates. Find the cheapest Enid, OK car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,212 | $3,401 | $3,631 |
| Farmers | $3,567 | $3,685 | $3,931 |
| Geico | $3,008 | $3,199 | $3,389 |
| Liberty Mutual | $5,921 | $6,210 | $6,567 |
| Progressive | $4,225 | $4,529 | $4,922 |
| State Farm | $2,504 | $2,662 | $2,881 |
| USAA | $2,809 | $2,907 | $3,026 |
What affects car insurance rates in Enid, Oklahoma?
What factors can have an impact on Enid, OK car insurance? There are several reasons why Enid car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Enid, Oklahoma.
Commute Time in Enid
The more time you spend in your car the higher the risk of an accident. The average commute length in Enid, OK is 17.1 minutes according to City-Data.
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Compare Car Insurance Quotes in Enid, OK
Ready to find affordable Enid, Oklahoma car insurance today? Enter your ZIP code for fast, free Enid, OK car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Enid, OK?
The average monthly car insurance rate in Enid, OK is $318.
What are the car insurance requirements in Enid, OK?
The car insurance requirements in Enid, OK are 25/50/25, but if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Enid, OK?
To find cheap car insurance rates in Enid, OK, you can compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Enid, OK?
Every car insurance company weighs these factors differently, so rates may vary. It’s best to compare rates from different companies.
What is the minimum car insurance required in Enid, OK?
Every driver in Enid, OK must carry the minimum car insurance required by the state. You can find the requirements specified by Oklahoma car insurance laws.
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