Bartlesville drivers pay an average of $2,077/year — $306 more than the national average. With 417 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $349/year.
(888) 217-6781Estimated full coverage auto insurance rates for Bartlesville, OK from top carriers. Rates are adjusted for Bartlesville's 417 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $787 | $131/mo |
| Oklahoma Farm Bureau | $842 | $140/mo |
| Progressive | $885 | $148/mo |
| State Farm | $973 | $162/mo |
| Allstate | $1,181 | $197/mo |
Estimates based on 2026 rate filings for ZIP 74003. GEICO is cheapest at ~$131/mo. Actual rates vary by driver profile and exact Bartlesville location.
These Bartlesville-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Bartlesville, OK. Takes under 2 minutes.
(888) 217-6781Bartlesville is a smaller city in Oklahoma with a population of 37,290. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, hail, ice storms, flooding, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Bartlesville.
For official Oklahoma insurance regulations, visit the Oklahoma Insurance Department. For driver licensing, see the Oklahoma Motor Vehicle Division.
Your specific ZIP code within Bartlesville can swing your premium by hundreds of dollars. Here's how rates compare across Bartlesville neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 74012 | Bartlesville South Side | $1,993/yr | $166/mo |
| 74008 | Bartlesville North Side | $2,004/yr | $167/mo |
| 74011 | Bartlesville West Side | $2,017/yr | $168/mo |
| 74011 | Bartlesville East Side | $2,123/yr | $177/mo |
| 74003 | Bartlesville Downtown/Central | $2,224/yr | $185/mo |
The cheapest ZIP is 74012 (Bartlesville South Side) at $1,993/yr. The most expensive is 74003 (Bartlesville Downtown/Central) at $2,224/yr — a $231/year difference for the same driver.
Your Bartlesville ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Bartlesville. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,362/yr | $364/mo | +110% vs avg |
| Young Adult (20-25) | $2,908/yr | $242/mo | +40% vs avg |
| Adult (26-35) | $2,077/yr | $173/mo | 0% vs avg |
| Mid-Career (36-50) | $1,828/yr | $152/mo | -12% vs avg |
| Senior (51-65) | $1,724/yr | $144/mo | -17% vs avg |
| 65+ | $1,849/yr | $154/mo | -11% vs avg |
Teens in Bartlesville pay an average of $4,362/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,724/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Oklahoma cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Bartlesville drivers can save up to $349/year. ZIP 74012 (Bartlesville South Side) has the lowest rates starting at $1,993/yr.
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