A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in McAlester, OK for senior drivers are $2,345/year
  • Average car insurance rates in McAlester, OK are $333/month
  • The cheapest car insurance company in McAlester after a DUI is State Farm

Average car insurance rates in McAlester, Oklahoma are $333 a month. But with a little research you can get a great deal from the top car insurance companies in McAlester, OK. Before you buy McAlester, Oklahoma car insurance, make sure your coverage meets or exceeds the Oklahoma minimum of 25/50/25.

It may even be helpful to compare McAlester car insurance rates with Oklahoma City car insurance rates, Stillwater car insurance rates, or Enid car insurance rates to make sure you’re getting the best McAlester, OK car insurance quotes available.

Need affordable McAlester, OK car insurance? Enter your ZIP code to compare McAlester car insurance quotes from multiple car insurance companies near you.

McAlester, OK Minimum Car Insurance Coverage

McAlester, Oklahoma law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in McAlester, Oklahoma

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

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McAlester, OK Car Insurance Rates by Coverage Level

Some McAlester drivers can get by with the Oklahoma minimum coverage of 25/50/25. Other drivers may need more. See how much your McAlester, Oklahoma car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in McAlester, Oklahoma

Insurance Company Low Medium High
Allstate $3,340 $3,520 $3,737
Farmers $3,662 $3,769 $3,988
GEICO $3,204 $3,441 $3,665
Liberty Mutual $6,676 $6,993 $7,383
Progressive $4,109 $4,383 $4,737
State Farm $2,547 $2,689 $2,892
USAA $2,922 $3,027 $3,156

McAlester, OK Car Insurance Rates by Age, Gender, and Marital Status

McAlester, Oklahoma car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy McAlester, OK car insurance, get quotes from multiple car insurance companies in the McAlester area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in McAlester, Oklahoma

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 $2,211 $2,224 $2,029 $2,131 $6,773 $7,954 $2,395 $2,541
Farmers $2,196 $2,178 $1,974 $2,079 $8,331 $8,545 $2,508 $2,640
GEICO $2,263 $2,475 $2,409 $2,699 $6,596 $7,054 $1,981 $2,014
Liberty Mutual $4,731 $5,001 $4,148 $4,520 $13,193 $14,493 $4,930 $5,123
Progressive $2,420 $2,301 $1,993 $2,107 $9,724 $10,902 $2,839 $2,990
State Farm $1,876 $1,876 $1,646 $1,646 $4,621 $5,846 $1,966 $2,199
USAA $1,793 $1,796 $1,719 $1,737 $5,857 $6,531 $2,311 $2,537

McAlester, OK Car Insurance Rates for Teens

How much is McAlester, Oklahoma car insurance for teens? Compare rates from top McAlester car insurance companies below to help find the cheapest teen car insurance in McAlester, OK.

Annual Car Insurance Rates for Teen Drivers in McAlester, Oklahoma

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,773 $7,954
Farmers $8,331 $8,545
GEICO $6,596 $7,054
Liberty Mutual $13,193 $14,493
Progressive $9,724 $10,902
State Farm $4,621 $5,846
USAA $5,857 $6,531

McAlester, OK Car Insurance Rates for Seniors

Before seniors buy McAlester, Oklahoma car insurance, they should make sure to shop around. Some McAlester, OK car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in McAlester, Oklahoma

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,029 $2,131
Farmers $1,974 $2,079
GEICO $2,409 $2,699
Liberty Mutual $4,148 $4,520
Progressive $1,993 $2,107
State Farm $1,646 $1,646
USAA $1,719 $1,737

McAlester, OK Car Insurance Rates by Credit History

How does your credit history affect McAlester, OK car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in McAlester, Oklahoma

Insurance Company Poor Fair Good
Allstate $4,363 $3,311 $2,922
Farmers $4,378 $3,609 $3,432
GEICO $4,141 $3,436 $2,732
Liberty Mutual $10,087 $6,147 $4,818
Progressive $5,002 $4,262 $3,965
State Farm $3,767 $2,415 $1,946
USAA $4,498 $2,563 $2,044

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McAlester, OK Car Insurance Rates by Driver History

How does a single speeding ticket affect your McAlester, Oklahoma car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in McAlester.

Annual McAlester, Oklahoma Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,035 $3,558 $4,118 $3,418
Farmers $3,208 $4,123 $4,022 $3,873
GEICO $2,507 $3,833 $4,242 $3,163
Liberty Mutual $4,718 $7,904 $8,944 $6,503
Progressive $3,432 $6,387 $3,788 $4,032
State Farm $2,525 $2,894 $2,709 $2,709
USAA $2,238 $3,214 $3,935 $2,753

McAlester, OK Car Insurance Rates With a DUI

Even a single DUI can increase your McAlester, OK car insurance rates. Compare rates below to see which McAlester car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in McAlester, Oklahoma

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,118
Farmers $4,022
GEICO $4,242
Liberty Mutual $8,944
Progressive $3,788
State Farm $2,709
USAA $3,935

McAlester, OK Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your McAlester, OK car insurance rates may be. Let’s take a look at average car insurance rates from top McAlester companies based on commute time.

Annual Car Insurance Rates by Commute Length in McAlester, Oklahoma

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,532 $3,532
Farmers $3,806 $3,806
GEICO $3,370 $3,503
Liberty Mutual $7,017 $7,017
Progressive $4,409 $4,409
State Farm $2,663 $2,756
USAA $2,999 $3,071

McAlester, OK Cheapest Car Insurance Rates

How do the top McAlester, Oklahoma car insurance companies’ average rates stack up against the McAlester average monthly car insurance rates of $333? Take a look and see.

Best Annual Car Insurance Rates by Company in McAlester, Oklahoma

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 State Farm

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McAlester, OK Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top McAlester, Oklahoma car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in McAlester, Oklahoma

Insurance Company Average Annual Rates
Allstate $3,532
Farmers $3,806
GEICO $3,436
Liberty Mutual $7,017
Progressive $4,409
State Farm $2,709
USAA $3,035

Other Factors Affecting McAlester, OK Car Insurance Rates

Before you buy McAlester, Oklahoma car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

McAlester, OK Commute Time

How does your McAlester, OK commute time compare with the average driver? In McAlester, the average commute is 17.4 minutes.

McAlester, OK Car Insurance Quotes

Compare McAlester, OK car insurance quotes from multiple companies by entering your ZIP code now.