Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Roland, Oklahoma (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Roland, Oklahoma.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
Maria Cruz
Expert Insurance Writer & Editor
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Best car insurance companies in Roland

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 in Roland, OK 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 Roland rate different companies and how their insurance costs stack up against each other.  
Insurance Company
Overall Jerry rating
Average annual cost for full coverage
Average annual cost for minimum coverage
4.5
$1,265
$342
4.2
$1800
$971
4.4
$1,464
$778
4.5
$1,613
$655
4.3
$1,618
$1,035
Highlighticon

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.
Overall Jerry rating in Oklahoma: 4.5
JD Power customer satisfaction: 833/1000
AM Best financial strength: A++
NAIC complaint index (September 2023): Slightly more than expected
Being such a large insurance provider, State Farm has a lot to offer their customers. Policyholders have the flexibility to sift through a healthy amount of coverage options so they can build the policy that’s best for them, all from a wide selection of local insurance agents. Though they scored a good number of complaints, State Farm in Roland, OK still scored high for customer satisfaction.
Real 5-star customer reviews:
“I was shopping everywhere and my State Farm agent got me the best price I could find and even when there was a bit of a mix up with my vin number it was fixed swiftly” - Andre, OK
Overall Jerry rating in Oklahoma: 4.2
JD Power customer satisfaction: 811/1000
AM Best financial strength: A
NAIC complaint index: More than expected
AAA has long been a provider who scores highly for customer service and affordable rates. Policyholders head to AAA when they need a provider with a wide selection of discounts and coverage options, and membership benefits. However, it’s important to note that AAA is only available to membership holders and you may see a spike in rates with a poor credit rating.
Real 5-star customer reviews:
“I love it!” - Ona, OK
“Quick and easy to understand quotes. Very reasonably priced and great coverage! So glad I found AAA! Plan on being a lifer!” - Ashley, OK
“Great insurance worth the money and help is anytime” - Cheikh, OK
Overall Jerry rating in Oklahoma: 4.4
JD Power customer satisfaction: 832
AM Best financial strength: A+
NAIC complaint index (June 2023): Much more than expected
Allstate is one of the most popular insurers available. They come with a good number of discounts available and a wide range of coverage options and limits. Some pitfalls to be aware of, on the other hand, are slightly higher rates and lower than average claims processing and complaints scores.
Real 5-star customer reviews:
“Allstate is a great company and I love the different discounts they give you to help you keep rates low.” - Veronica, OK
“Allstate has been wonderful! Their app is easy to use, and customer service has been great!” - Garett, OK
“So easy to get what I needed. Prices are great! Coverage is awesome. Highly recommend to anyone!” - Easton, OK
Overall Jerry rating in Oklahoma: 4.2
JD Power customer satisfaction: 848/1000
AM Best financial strength: A+
NAIC complaint index: Lower than average
Mercury is a solid option for young drivers, or motorists with violations on their record. With a healthy amount of coverage options, all of which are known for their affordability, Mercury is a good choice for those in need of cheaper rates. Just keep in mind that they don’t have as many discounts in place as other providers and their customer service rating is on the low side.
Real 5-star customer reviews:
“Awesome, I love them. They gave me great coverage and affordable price!” - Eric, OK
“Affordable and great insurance provider” - Samuel, OK
“Got me a great deal same day” - Barbara, OK

How to find the cheapest car insurance in Roland

On average,
auto insurance
in Roland costs about $92 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. In Roland drivers pay 19% less than the national average.  
Smart car insurance shoppers in Roland, 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 Roland customers. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$68
Stanley, 32
Zip: 74954
Ford Focus ZX4
• State Minimum Liability
AAA
$70
Gertrude, 54
Zip: 74954
Ford Escape SE
• State Minimum Liability
Mercury
$92
Jayden, 30
Zip: 74954
Chrysler 300
• State Minimum Liability
coverageLast Updated May 29, 2024

Best cheap car insurance quotes in Roland

Oklahoma has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Roland 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 Roland

In order to legally hit the road, Roland 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
Stanley (32 years old)
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$68
per month
card cover
Gertrude (54 years old)
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$70
per month
card cover
Jayden (30 years old)
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$92
per month

Do you need more than minimum coverage in Roland?

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 Roland

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
Clearcover
$165
Augusta, 29
Zip: 74954
Ford Focus SE
coverageLast Updated May 29, 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 Roland

By helping lots of drivers in Roland 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 Roland 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 Roland by rating factors 

Insurance companies in Roland 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 Roland?

icon
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
icon
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 Roland:

Cheap car insurance quotes in Roland 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 Roland after speeding ticket

In Roland, 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
$70
Maude, 42
Zip: 74954
Hummer H3
• State Minimum Liability
Speeding 6-10
Progressive
$72
Nora, 45
Zip: 74954
Porsche Macan
• State Minimum Liability
coverageLast Updated May 29, 2024

Cheapest car insurance in Roland after DUI

In Roland,
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 companies to find low-cost options after a DUI.
Jerry has helped many Roland drivers obtain affordable auto insurance rates after a DUI. 
card cover
Earl (32 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationRoland, OK
(Zip Code: 74954)
$61
per month
card cover
Alta (34 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationRoland, OK
(Zip Code: 74954)
$51
per month

Cheapest car insurance in Roland after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history. For Roland 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 Rolanddrivers save on car insurance after accidents. 
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Mercury
$220
Jacob, 27
Zip: 74954
KIA RIO LX
• State Minimum Liability
• Comp / Collision
Not At Fault
Progressive
$68
Birdie, 32
Zip: 74954
Ford Focus ZX4
• State Minimum Liability
At Fault With No Injury
Mercury
$220
Gene, 27
Zip: 74954
KIA RIO LX
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 26, 2024

Cheapest car insurance in Roland 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 Roland.
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
Nationwide
$66
Ronald, 44
Zip: 74954
Tesla Model X
• 100,000/300,000 Liability
Defective Equipment
Progressive
$75
Gordon, 37
Zip: 74954
Oldsmobile 88
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 24, 2024

Cheap car insurance quotes in Roland 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 Roland for young drivers

Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Roland. 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
Verna (19 years old)
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$59
per month
card cover
Nathaniel (24 years old)
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$69
per month

Cheapest car insurance in Roland 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
Victor (72 years old)
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$70
per month
card cover
Pearl (71 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationRoland, OK
(Zip Code: 74954)
$82
per month

Cheap car insurance quotes in Roland 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
Jay (32 years old)
Currently Insured
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$68
per month
card cover
Frank (54 years old)
Currently Insured
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$70
per month
card cover
Elva (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$92
per month
card cover
Gainsco
Isabelle (32 years old)
Currently Insured
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$80
per month
card cover
Travis (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationRoland, OK
(Zip Code: 74954)
$92
per month

Cheap car insurance quotes in Roland for drivers with poor credit

In the state of Oklahoma, drivers who have poor credit will often have higher auto insurance costs than those with good credit. This is because
drivers with poor credit
are considered more likely to file claims. 
Taking steps to improve your credit history can help you save on car insurance in the long run.
Here’s how drivers with low credit scores saved with Jerry.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$68
Stephen, 32
Zip: 74954
Ford Focus ZX4
• State Minimum Liability
coverageLast Updated May 29, 2024

How to lower car insurance costs in Roland

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

How much is car insurance in Roland?

People living in Roland pay on average $92 per month – or $1,104 per year – on state-minimum liability coverage. Full coverage in Roland costs on average $150 per month or $1,800 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Roland?

Based on thousands of Roland drivers Jerry has worked with, car insurance in Roland costs an average of $92 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Roland?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. 
Nationwide
Progressive
, and 
Kemper
 receive good ratings from Roland drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry. 

What is the minimum car insurance in Roland, Oklahoma?

The state-minimum car insurance in Roland, Oklahoma is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

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
Maria Cruz
badge icon
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
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.