Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Muskogee, OK for senior drivers are $2,435/year
  • The cheapest car insurance company in Muskogee for teen drivers is State Farm
  • Average car insurance rates in Muskogee, OK are $348/month

Average car insurance rates in Muskogee, Oklahoma are $348 a month. But with a little research you can get a great deal from the top car insurance companies in Muskogee, OK. Before you buy Muskogee, Oklahoma car insurance, make sure your coverage meets or exceeds the Oklahoma minimum of 25/50/25.

It may even be helpful to compare Muskogee car insurance rates with Edmond car insurance rates, Midwest City car insurance rates, or Broken Arrow car insurance rates to make sure you’re getting the best Muskogee, OK car insurance quotes available.

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

Muskogee, OK Minimum Car Insurance Coverage

Muskogee, 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 Muskogee, 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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Muskogee, OK Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Muskogee, Oklahoma

Insurance Company Low Medium High
Allstate $3,399 $3,601 $3,846
Farmers $4,140 $4,276 $4,563
GEICO $3,298 $3,553 $3,788
Liberty Mutual $6,585 $6,935 $7,362
Progressive $4,280 $4,605 $5,024
State Farm $2,617 $2,776 $2,996
USAA $3,182 $3,309 $3,465

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Muskogee, 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 $2,251 $2,261 $2,072 $2,176 $6,974 $8,191 $2,431 $2,568
Farmers $2,467 $2,450 $2,212 $2,337 $9,572 $9,838 $2,802 $2,931
GEICO $2,313 $2,540 $2,470 $2,785 $6,849 $7,329 $2,027 $2,058
Liberty Mutual $4,675 $4,946 $4,103 $4,482 $13,133 $14,446 $4,862 $5,038
Progressive $2,562 $2,432 $2,110 $2,237 $10,205 $11,430 $2,992 $3,126
State Farm $1,874 $1,874 $1,658 $1,658 $4,920 $6,194 $1,974 $2,221
USAA $1,965 $1,965 $1,888 $1,905 $6,396 $7,131 $2,528 $2,771

Muskogee, OK Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Muskogee, Oklahoma

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,974 $8,191
Farmers $9,572 $9,838
GEICO $6,849 $7,329
Liberty Mutual $13,133 $14,446
Progressive $10,205 $11,430
State Farm $4,920 $6,194
USAA $6,396 $7,131

Muskogee, OK Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Muskogee, Oklahoma

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,072 $2,176
Farmers $2,212 $2,337
GEICO $2,470 $2,785
Liberty Mutual $4,103 $4,482
Progressive $2,110 $2,237
State Farm $1,658 $1,658
USAA $1,888 $1,905

Muskogee, OK Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Muskogee, Oklahoma

Insurance Company Poor Fair Good
Allstate $4,466 $3,390 $2,991
Farmers $4,963 $4,108 $3,907
GEICO $4,274 $3,546 $2,819
Liberty Mutual $9,993 $6,102 $4,786
Progressive $5,261 $4,482 $4,168
State Farm $3,891 $2,492 $2,007
USAA $4,910 $2,806 $2,240

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Muskogee, OK Car Insurance Rates by Driver History

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

Annual Muskogee, Oklahoma Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,104 $3,644 $4,217 $3,497
Farmers $3,651 $4,694 $4,579 $4,380
GEICO $2,579 $3,957 $4,404 $3,245
Liberty Mutual $4,682 $7,842 $8,870 $6,448
Progressive $3,611 $6,710 $3,987 $4,238
State Farm $2,587 $3,006 $2,797 $2,797
USAA $2,446 $3,519 $4,299 $3,010

Muskogee, OK Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Muskogee, Oklahoma

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,217
Farmers $4,579
GEICO $4,404
Liberty Mutual $8,870
Progressive $3,987
State Farm $2,797
USAA $4,299

Muskogee, OK Car Insurance Rates by ZIP Code

Just like Muskogee car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Muskogee, OK car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Muskogee, Oklahoma

ZIP Code Average Annual Rates
74401 $4,200
74403 $4,099

Muskogee, OK Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Muskogee, Oklahoma

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,615 $3,615
Farmers $4,326 $4,326
GEICO $3,479 $3,614
Liberty Mutual $6,961 $6,961
Progressive $4,637 $4,637
State Farm $2,749 $2,844
USAA $3,279 $3,359

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Muskogee, OK Cheapest Car Insurance Rates

How do the top Muskogee, Oklahoma car insurance companies’ average rates stack up against the Muskogee average monthly car insurance rates of $348? Take a look and see.

Best Annual Car Insurance Rates by Company in Muskogee, 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

Muskogee, OK Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Muskogee, Oklahoma

Insurance Company Average Annual Rates
Allstate $3,615
Farmers $4,326
GEICO $3,546
Liberty Mutual $6,961
Progressive $4,637
State Farm $2,797
USAA $3,319

Other Factors Affecting Muskogee, OK Car Insurance Rates

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

Muskogee, OK Commute Time

How does your Muskogee, OK commute time compare with the average driver? In Muskogee, the average commute is 17.1 minutes.

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Muskogee, OK Car Insurance Quotes

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