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Cheapest car insurance in Guymon, Oklahoma (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Guymon, Oklahoma.
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Guymon

On average,
auto insurance
in Guymon costs about $92 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. In Guymon drivers pay 18% less than the national average.  
Smart car insurance shoppers in Guymon, Oklahoma come to Jerry every month, because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below are some cheapest car insurance quotes Jerry found for our Guymon customers. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$190
Sophia, 21
Zip: 73942
Ford Mustang
• State Minimum Liability
• Comp / Collision
Safeco
$105
Cynthia, 33
Zip: 73942
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
Allstate
$144
Joshua, 24
Zip: 73942
Toyota Camry SE
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 14, 2024

Best car insurance companies in Guymon

There is no single best car insurance company for everyone. The most important reason is that every customer gets different
car insurance quotes
based on their profile—meaning that the most affordable company is different for everyone. 
Besides price, you also need to consider factors such as claims handling and customer service. 
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers. 
The table below shows how drivers in Guymon rate different companies on a scale of 0 to 5.  
Insurance companyOverall ratingPriceClaims experienceCustomer service
Farmers
4.7
3.7
N/A
4.3
State Farm
4.5
3.2
N/A
4.5
Progressive
4.4
4
4.5
4.2
Allstate
4
4
3
4.2
Geico
3.7
2.4
3.7
4
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Guymon

Oklahoma has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Guymon and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.   

Cheap minimum liability insurance quotes in Guymon

In order to legally hit the road, Guymon drivers need to meet Oklahoma minimum coverage limits for bodily injury liability and property damage liability
In Oklahoma, drivers must carry liability insurance that consists of at least:
This minimum required coverage is often referred to as 25/50/25.
With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving. 
card cover
Sophia (21 years old)
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
$190
per month
card cover
Edward (33 years old)
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
carChevrolet Cruze LT
$97
per month

Do you need more than minimum coverage in Guymon?

Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.
The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.
This could be especially true if you cause serious injuries to another person. If someone’s car is totaled, the cost to replace it could be more than $40,000.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car. 

Cheap full coverage car insurance quotes in Guymon

Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car. 
Full coverage includes comprehensive and collision coverage. 
  • Collision coverage
    covers the cost of fixing or replacing your car after an accident
  • Comprehensive coverage
    pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters
If you have a loan on the car, your lender will typically require collision and comprehensive coverage.  
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. 
Jerry has helped customers obtain full coverage quotes that won’t break the bank.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$190
Sophia, 21
Zip: 73942
Ford Mustang
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$144
Joshua, 24
Zip: 73942
Toyota Camry SE
• State Minimum Liability
• Comp / Collision
Mercury
$97
Edward, 33
Zip: 73942
Chevrolet Cruze LT
coverageLast Updated Jul 12, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Guymon

By helping lots of drivers in Guymon find car insurance, we found that the average cost for minimum liability coverage is $92 per month or $1,104 per year. The average cost for full coverage insurance in Guymon is $150 per month or $1,800 per year.
While average insurance rates can help you predict your own insurance costs, it's important to note that each driver's insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics. 

Car insurance quotes in Guymon by rating factors 

Insurance companies in Guymon use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets. 
  • Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience. 
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims. 
  • How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure. 

How do different factors impact your car insurance costs in Guymon?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Oklahoma currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Guymon:

Cheap car insurance quotes in Guymon after driving violations

Your
Oklahoma driving history
impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in Guymon after speeding ticket

In Guymon, a speeding ticket could increase your car insurance rate by about 13%. Jerry is proud to help drivers with varying speeding tickets save on car insurance. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
AAA
$47
Gertrude, 42
Zip: 73942
Audi A4
• 100,000/300,000 Liability
Speeding 6-10
Progressive
$76
Emily, 41
Zip: 73942
Pontiac Aztek
• 100,000/300,000 Liability
coverageLast Updated Jul 14, 2024

Cheapest car insurance in Guymon after DUI

In Guymon,
a DUI violation
can increase your insurance rate by as much as 22%. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance coCmpanies to find low-cost options after a DUI.
Jerry has helped many Guymon drivers obtain affordable auto insurance rates after a DUI. 
card cover
Duane (26 years old)
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
carDodge RAM 1500
$63
per month

Cheapest car insurance in Guymon after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history. For Guymon drivers, car accidents could result in an average rate increase of 15%.
Oklahoma is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Guymondrivers save on car insurance after accidents. 
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
Not At Fault
Progressive
$64
Ernest, 45
Zip: 73942
Buick Enclave CXL
• State Minimum Liability
coverageLast Updated Jul 14, 2024

Cheapest car insurance in Guymon after other driving violations

In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your in car insurance costs to increase in Guymon.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance. 
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$70
Ray, 32
Zip: 73942
Nissan 370Z
• State Minimum Liability
Defective Equipment
Safeco
$50
Loretta, 31
Zip: 73942
Saturn SW2
• State Minimum Liability
coverageLast Updated Jul 14, 2024

Cheap car insurance quotes in Guymon by age

Young drivers pay very high insurance rates due to limited driving experience. Rates usually drop around the age of 25 before rising again around age 75.

Cheapest car insurance in Guymon for young drivers

Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Guymon. This is because teen drivers are more likely to get into accidents due to their limited driving experience. 
It's therefore a good idea to ensure teen drivers have the protection of full coverage insurance—especially if they’re driving a newer vehicle. To keep those
teen car insurance
rates lower, consider keeping young drivers on a parent or guardian’s policy. 
card cover
Joshua (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationGuymon, OK
(Zip Code: 73942)
$144
per month
card cover
Phillip (21 years old)
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
$95
per month

Cheapest car insurance in Guymon for senior drivers

Although they have a wider range of driving experience,
senior drivers
are more likely to get into
car accidents
that result in serious injuries and high medical bills. For this reason, older drivers may see a rise in their insurance rates once they reach 70 to 75 years old.
card cover
Alejandro (73 years old)
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
$68
per month
card cover
Oscar (68 years old)
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
$77
per month

Cheap car insurance quotes in Guymon based on insurance history

An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in your insurance coverage
usually leads to an increase in car insurance rates.
To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders for upcoming and overdue payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
card cover
Rosie (20 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationGuymon, OK
(Zip Code: 73942)
$234
per month
card cover
Dominic (24 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationGuymon, OK
(Zip Code: 73942)
$144
per month
card cover
Susan (33 years old)
Currently Insured
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
carChevrolet Cruze LT
$105
per month
card cover
Phoebe (33 years old)
Currently Insured
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
carChevrolet Cruze LT
$97
per month
card cover
Clearcover
Theodore (33 years old)
Currently Insured
coverageCoverage
State Minimum
locationGuymon, OK
(Zip Code: 73942)
carChevrolet Cruze LT
$102
per month

How to lower car insurance costs in Guymon

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

 2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. Keeping a clean driving record and/or going a certain number of years without an at-fault accident could help you qualify for a discount from your provider.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

What is the cheapest full coverage car insurance in Oklahoma?

AAA, Gainsco, and Safe Auto all earn high ratings for policy cost satisfaction by Oklahoma drivers in a recent Jerry survey. However, State Farm and GEICO may offer the cheapest rates to some drivers’ profiles for full coverage. 

How much is car insurance per month in Oklahoma?

The average Oklahoma driver will spend about $60 per month on minimum coverage, or $721 per year. For full coverage, that number increases to $137 per month or $1,649 per year. In Guymon, the monthly minimum coverage costs $49 per month for the average driver.

Why is Oklahoma car insurance so expensive?

Oklahoma hosts a large number of uninsured drivers, which can drive up rates significantly. Furthermore, natural disasters and auto theft are more common in OK than in other states, and these raise the total amount of claims filed. This cost is spread between OK policyholders.

What is the minimum Oklahoma car insurance?

25/50/25 is the minimum liability coverage for all Oklahoma drivers. This means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. 
State minimum car insurance is the easiest way for most drivers in the state to adhere to OK’s financial responsibility laws. But you also have other options, such as making a $75,000 cash deposit with the Oklahoma Department of Public Safety (DPS), or provide the DPS with a valid certificate of deposit issued by an Oklahoma financial institution.1 

Is it illegal not to have car insurance coverage in Oklahoma?

Yes, it is considered a criminal misdemeanor to drive without insurance in Oklahoma. You could face penalties such as a $250 fine and jail time up to one year, not to mention the hike in rates when you’re ready to buy a policy. License suspension and vehicle impoundment are also possible.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.