“Ooooooo-klahoma, where the savings come sweeping down the plain!” You know you’re from the Sooner State if you can pronounce Eufaula, Oologah, and Chickasha on the first try. Winter, spring, summer, fall, and tornado are the five seasons in Oklahoma, and you surely know how to prepare for a blizzard, twister, and flood in a single day. That’s why with over 230,000 miles of roadway throughout the state and over a million registered vehicles on the streets, a solid auto insurance policy is vital for every driver in Oklahoma.

Find and compare the best, cheapest auto insurance quotes in OK here.

Cheapest Car Insurance Companies in Oklahoma

Here are the cheapest insurance companies in Oklahoma based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

Insurance CompanyQuotes
Progressive$44/month
State Farm$56/month
Allstate$73/month
Travelers$119/month
GEICO$119/month

Best Car Insurance Companies in Oklahoma

It seems like every other radio and television commercial features some auto insurance provider claiming to have the best customer service, lowest premiums, and the most reliable coverage. With every company claiming to be the best, how are you supposed to know which insurance provider is truly on top? Data scientists at Insurify have crunched the numbers for you.

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Oklahoma. For the complete list and to get quotes, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$208/month
GEICO87$119/month
Allstate86$73/month
State Farm83$56/month
Travelers81$119/month
Liberty Mutual80$209/month
Progressive78$44/month

Most Popular Car Insurance Companies in Oklahoma

The American car insurance market is lead by a few key players. According to the Insurance Information Institute (III), these are the most popular car insurance companies in Oklahoma by market share:

Cheapest Car Insurance in Oklahoma by City

Many factors come into account when insurance companies are calculating your monthly premium. Driving history and demographic information will surely impact your cost of coverage, but did you know your address will too? Auto insurance costs may vary greatly depending on locations and insurance companies. The cheapest offering in Oklahoma City could be the priciest in Broken Arrow. 

Insurify analyzed the latest data for five of the most populous cities in Oklahoma to find you the cheapest quotes in each of these metropolitan areas.

CityInsurance CompanyQuote
Oklahoma CityProgressive$70/month
TulsaProgressive$55/month
NormanState Farm$71/month
Broken ArrowState Farm$85/month
LawtonState Farm$65/month

Cheapest Car Insurance in Oklahoma by Profile

Just like geographic location, your personal profile may drastically affect your monthly premium. Here are the cheapest insurance companies in Oklahoma based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

USAA will frequently offer Oklahoma residents the cheapest auto insurance options, but members must be retired or current officers and enlisted personnel of the U.S. military and their family members. 

Cheap Car Insurance for Good Drivers

For Oklahoma drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Oklahoma, at $44 per month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
Progressive$44/month
State Farm$56/month
Allstate$73/month
Travelers$119/month
GEICO$119/month

Cheap Car Insurance for High-Risk Drivers

High-risk drivers in Oklahoma, including those with one or more traffic violations, may have to pay more on their car insurance premiums. Oklahoma drivers with demerits on their driving records tend to have higher monthly premiums than the national average. State Farm offers the best deal for drivers with a DUI at $41/month. For drivers with at-fault accidents on their driving record, the Oklahoma Farm Bureau provides the best option at $34/month. For speeding drivers in Oklahoma, State Farm has the best option at $41/month. Average rates for high-risk drivers tend to be higher than other drivers.

Cheap Car Insurance for Drivers with DUI in Oklahoma

The lookback period in Oklahoma is ten years. This means that you could be paying the price for years to come if you’ve been charged with a DUI. In addition to increased insurance costs, DUIs in Oklahoma can lead to jail time, license suspension, thousands of dollars in fines, and substance abuse program requirements. Punishments worsen with each subsequent offense, or if a minor is in the vehicle when the DUI is committed. Drivers may also be mandated to install ignition interlocking devices in their cars to prevent future offenses.

Insurance CompanyQuotes
State Farm$41/month
Home State Insurance Group$64/month
GEICO$66/month

Cheap Car Insurance for Drivers with an At-Fault Accident in Oklahoma

If you’re found at-fault for a car accident in Oklahoma, your monthly premiums may increase significantly. Even a little fender-bender can have major financial repercussions.

Insurance CompanyQuotes
Oklahoma Farm Bureau$34/month
State Farm$45/month
USAA$54/month

Cheap Car Insurance for Speeding Drivers in Oklahoma

Getting to your destination a few minutes early is not worth the costly effects of speeding tickets on your car insurance rates. Slow down and take a look at these car insurance quotes for speeders in Oklahoma.

Insurance CompanyQuotes
State Farm$41/month
USAA$44/month
Oklahoma Farm Bureau$44/month

Cheap Car Insurance for Young Drivers in Oklahoma

If you’re under 40 years old in the state of Oklahoma, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Oklahoma Farmers Union offers the cheapest car insurance rates for young drivers in Oklahoma, averaging $28/month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance CompanyQuotes
Oklahoma Farmers Union$28/month
USAA$30/month
State Farm$32/month
GEICO$39/month
Oklahoma Farm Bureau$48/month

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Car Insurance for Drivers with Poor Credit

Unfortunately, it can be challenging to find cheap car insurance in Oklahoma if you have a poor credit score. Oklahoma car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder. This means that they can hold your poor credit score against you in the form of a financial penalty. Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Depending on where you live in Oklahoma, car insurance premiums fluctuate based on many factors, not just credit score. Having good credit can save you a whole lot of cash in the long run.

Oklahoma State Insurance Laws

Insurance requirements and coverage limits vary greatly from state to state. If you’re moving from one part of the country to another, be sure to familiarize yourself with your new home’s auto insurance laws. 

State Minimum Car Insurance Coverage in Oklahoma

All motor vehicles operated or parked on Oklahoma roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Oklahoma are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oklahoma state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oklahoma law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Oklahoma is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Optional Supplemental Coverage

Comprehensive coverage and collision coverage pay for repairs to your own car when it’s involved in a car accident or stolen. Many car insurance policies refer to this as “full coverage.” Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.

Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses or auto damage due to a collision.

Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Medical Payments, or simply Med Pay, covers reasonable medical costs for you or your passengers in the case of injury from an accident. If a car accident results in serious bodily injury, Med Pay can help ease the stress of high medical bills after a hospital visit by increasing coverage levels.

Uninsured and underinsured motorist coverage are required forms of insurance in Oklahoma. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be protected by their uninsured motorist coverage.

Am I liable if I cause a car accident in Oklahoma?

Oklahoma follows a fault-based car insurance system. 

What does that mean, exactly? The driver who is determined to be at-fault in an accident is responsible for damages. The at-fault driver must compensate any other driver, passengers, or injured pedestrians affected in the accident. Determining fault in a car accident isn’t always cut and dry. Sure, if one driver is texting and causes a pile-up, they’re clearly at fault. But what happens if the details of the accident are a bit foggier. Because of this, litigation is often involved after car accidents in fault-based car insurance systems. 

Distracted Driving in Oklahoma

Using electronic devices while operating a motor vehicle is a known dangerous activity and is the cause of so many fatal accidents every year. In Oklahoma, it is illegal to use handheld cell phones and texting for novice drivers. Text messaging is banned for school bus drivers as well.

SR-22 Insurance in Oklahoma

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Oklahoma on your behalf. Oklahoma’s state licensing authority will inform drivers if they might require SR-22 insurance. If you’ve committed a DUI, DWI, a moving violation, or another serious offense, you may be required to hold SR-22 insurance. The cost of filing an SR-22 is just one of many reasons drinking and driving is simply not worth it. 

In Oklahoma, many insurance companies offer SR-22 insurance such as Ameriprise, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grinnell, Hallmark, Jupiter Auto, Mercury, National General, North Star, Progressive, SafeAuto, Safeco, The General, United Auto, and Victoria.

Oklahoma Car Insurance FAQs

Which insurance company offers the cheapest auto insurance in Oklahoma?

The best way to get the cheapest car insurance in Oklahoma and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify.com provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How is fault assigned after a car accident in Oklahoma?

As a fault-based state, after a car accident, the driver found at-fault will be responsible for compensating other drivers and passengers for property damage and bodily injury. Blame may be split amongst multiple drivers, and damages would be split accordingly. 

What is the punishment for committing a DUI in Oklahoma? 

DUIs can really damage a driver’s driving record. The punishment can be severe, too; Oklahoma drivers risk ten days to one year in jail, $500 to $1,000 in fines, court fees, 30-100 day license suspension, and mandated installation of interlocking ignition devices. Punishments worsen with subsequent offenses. 

What happens if I drive uninsured in Oklahoma?

Driving uninsured puts yourself and those around you at great risk. An estimated 10.5 percent of drivers on Oklahoma roads are uninsured or underinsured. If caught, uninsured drivers face hundreds in fines, civil penalties, license and registration suspension, SR-22 requirements, and even jail time. 

AAA Car Insurance and Roadside Assistance in Oklahoma

Locked your keys in the car? Battery dead? Flat tire? If you’ve ever found yourself in this situation, you’ve probably relied on the American Automobile Association (AAA) for roadside assistance. But did you know that AAA also offers automobile insurance for Oklahoma drivers?

Divided into regional clubs, AAA operates all over the state. Oklahoma is part of AAA’s Midatlantic region. To find out which independent agents operate AAA insurance in your region, visit AAA’s website, and search using your ZIP code.

Oklahoma DMV Information

The State of Oklahoma Department of Public Safety has DMV outposts all around the state.

At the DMV, Oklahoma residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Sooner State State, a DMV shouldn’t be too far. Oklahoma residents may be able to skip their visit altogether and get what they need through the DMV’s online portal.

Conclusion: How to Get the Cheapest Car Insurance in Oklahoma

To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Tulsa to Norman, Oklahoman drivers deserve to find the cheapest car insurance available.

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Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.