)
Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Table of contents
Full-coverage car insurance in Oklahoma costs an average of $175 per month, which is slightly lower than the national average of $197. A liability-only policy in the Sooner State costs $84 per month, which is a bit lower than the national average of $105.
Frequent severe weather may affect car insurance costs in Oklahoma, which is in Tornado Alley. Tornadoes can cause massive damage to vehicles, which can lead to higher rates.
Here’s what you need to know about comparing quotes and finding cheap car insurance in Oklahoma.
State Farm, USAA, and Allstate are the cheapest insurers in Oklahoma.
Oklahoma is an at-fault state, which means a driver responsible for an accident must cover the other party’s resulting damage and injury.
The overall average cost of car insurance in Oklahoma is $129 per month.
3 of the cheapest car insurance companies in Oklahoma
State Farm, USAA, and Allstate are three of the cheapest insurers in Oklahoma.
Because rates vary by driver, you should always expand your search to compare quotes from multiple insurers. While these three insurers have the lowest average premiums in Oklahoma, that doesn’t guarantee they’ll have the cheapest rates for you. Consider your coverage needs, budget, and driving record when looking for the best coverage.
State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $28/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Joyce
March 23, 2025
Average
Julene
March 23, 2025
I have been a State Farm customer since 1976. I have never been unsatisfied with my State Farm insurance provider.
Ramona
March 23, 2025
Good
State Farm sells a variety of insurance products, including vehicle, property, business, and personal coverage. Notably, the company offers discounts aimed at teens, including its student-away-at-school, driver training, and good student discounts. Teen drivers face some of the highest car insurance rates, so discounts catered to young drivers can help cut costs.
Young drivers can save with the Steer Clear program
Largest insurer in the country
Fewer discounts than some competitors
Doesn’t offer accident forgiveness
USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $75/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Philip
March 23, 2025
Fair
Shandra
March 21, 2025
Helpful in Difficult Times
Karen
March 21, 2025
My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.
Oklahoma has five military facilities and thousands of military personnel. USAA has affordable coverage and solid claims and customer satisfaction ratings. The company is an excellent choice for current and former military members and their families.
Excellent J.D. Power customer satisfaction ratings
Drivers can save up to 30% with the SafePilot program
Membership limited to military members and families
Doesn’t offer gap insurance
Allstate
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
John
March 23, 2025
Expensive
Paul
March 23, 2025
Poor Record
Victoria
March 23, 2025
Excellent
Your driving record is one of the most important factors insurers consider when setting a premium. Allstate offers a variety of savings and rewards for drivers with a clean record. The Drivewise program allows you to earn a safe driving discount for every six months you remain accident-free.
Offers rideshare insurance
AM Best financial strength rating of A+ (Superior)
Some customer service complaints online
Mobile app not as robust as some competitors
How to get the cheapest car insurance in Oklahoma
Car insurers consider several factors when setting your premium, including your age, gender, driving history, ZIP code, and credit history.
Here are a few tips for finding the cheapest car insurance in Oklahoma:
Look for discounts. Insurers offer plenty of discounts, so make sure you know which ones you may qualify for. Common discounts include rewards for bundling coverages, remaining accident-free, and setting up auto pay.
Raise your deductible. Increasing your deductible will lower your premium, but you’ll have to pay more in the event of an accident. Always set a deductible you can afford to pay if you need to file a claim.
Shop around. Insurance companies assess your risk factors differently, so premium quotes can vary. Compare quotes from at least three different insurers, and make sure to look at the same coverage levels and deductibles.
Cheapest liability-only car insurance quotes in Oklahoma: State Farm
Oklahoma law requires all drivers to carry liability insurance. This coverage will pay for the other parties’ legal and medical bills related to injuries and damages when you cause a car accident, but it won’t cover your injuries and damages. Carrying liability-only coverage is a good idea if your vehicle is older and you’d replace it after an accident instead of having it repaired.
In Oklahoma, liability-only insurance costs an average of $84 per month. Here are the cheapest insurance companies in Oklahoma for liability-only coverage.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
---|---|
State Farm | $28 |
USAA | $35 |
Allstate | $38 |
GEICO | $56 |
Mercury | $58 |
Farmers | $59 |
Root | $69 |
Progressive | $72 |
National General | $74 |
CSAA | $79 |
Shelter | $83 |
Safeco | $83 |
Clearcover | $84 |
Direct Auto | $85 |
The General | $90 |
GAINSCO | $109 |
Bristol West | $119 |
Foremost | $138 |
Liberty Mutual | $190 |
Cheapest full-coverage car insurance quotes in Oklahoma: State Farm
Full-coverage insurance includes liability, collision, and comprehensive insurance, protecting your assets and your vehicle. Collision insurance will cover the costs of repairing your vehicle after an accident or collision with an object. Comprehensive coverage protects against damage from perils such as severe weather, theft, vandalism, and more.
Full-coverage car insurance in Oklahoma costs $175 per month, on average.
The following insurers are the cheapest options for full-coverage insurance in Oklahoma.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
---|---|
State Farm | $60 |
USAA | $75 |
Allstate | $83 |
GEICO | $120 |
Farmers | $128 |
Progressive | $131 |
Root | $135 |
Mercury | $135 |
CSAA | $141 |
National General | $161 |
Direct Auto | $165 |
Safeco | $168 |
Clearcover | $172 |
Shelter | $179 |
The General | $190 |
GAINSCO | $272 |
Bristol West | $275 |
Foremost | $286 |
Liberty Mutual | $291 |
Cheapest recent car insurance quotes in Oklahoma
Drivers using Insurify have found quotes as cheap as $28/mo for liability only and $60/mo for full coverage in Oklahoma.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your age plays a role in how much you pay for car insurance.
Teen drivers pay some of the highest premiums for car insurance due to their lack of driving experience. Statistics show that teenagers have a higher likelihood of having an accident and filing a claim than older drivers.
Senior drivers pay a bit more for car insurance once they move into their 70s due to age-related risk factors, such as vision and hearing loss, slowing reflexes, and other health or medication issues.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $166 $345 Adult drivers $77 $161 Senior drivers $64 $132 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Oklahoma
Oklahoma drivers must carry a minimum amount of car insurance to drive legally in the state. The minimum liability requirements offer protection if you cause an accident that injures the other driver or causes property damage. You need to carry the following amounts of bodily injury and property damage liability in Oklahoma:[1]
Coverage | Minimum Requirements |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $25,000 per accident |
Liability insurance doesn’t cover your vehicle or injuries, so you need to consider buying additional coverages to pay for your damages. Here’s a quick overview of some optional coverages you may want to add to your policy:
Collision coverage
Collision insurance will pay to repair your vehicle after a collision with another vehicle or object, regardless of fault. This coverage comes with a deductible that you must pay in the event of a claim.
Comprehensive coverage
Comprehensive insurance can cover vehicle damage from non-collision incidents, such as fire, flooding, theft, vandalism, and more. This coverage also requires a deductible.
Medical payments coverage
In the event of an accident, medical payments coverage can pay for your and your passengers’ medical bills, regardless of fault.
Cheapest car insurance in Oklahoma by driving record
Insurers consider your driving record when determining your premium. If you have incidents on your record, such as speeding tickets or at-fault accidents, you’ll pay more for coverage.
If you have a DUI charge on your record, you’ll pay a much higher premium due to the severity of the offense.[2]
How much you pay will depend on the frequency and severity of your incidents. On average, Oklahoma drivers with an incident on their record pay $110 per month for liability-only insurance and $228 for full-coverage insurance.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
---|---|---|---|
State Farm | $37 | $39 | $47 |
USAA | $47 | $49 | $58 |
Allstate | $51 | $53 | $63 |
GEICO | $75 | $78 | $93 |
Farmers | $79 | $82 | $98 |
Mercury | $83 | $87 | $92 |
Progressive | $96 | $102 | $120 |
National General | $99 | $102 | $123 |
Root | $100 | $104 | $105 |
CSAA | $107 | $114 | $132 |
Clearcover | $112 | $127 | $140 |
Safeco | $113 | $118 | $133 |
Direct Auto | $114 | $121 | $142 |
Shelter | $116 | $122 | $126 |
The General | $125 | $128 | $150 |
GAINSCO | $155 | $145 | $181 |
Bristol West | $161 | $165 | $198 |
Foremost | $196 | $202 | $230 |
Liberty Mutual | $270 | $278 | $316 |
Your ZIP code can affect how much you pay for car insurance. Check out average liability and full-coverage quotes for different Oklahoma cities in the table below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageBartlesville $72 $133 Enid $72 $147 Ponca City $73 $162 Ardmore $76 $178 Stillwater $77 $178 Muskogee $79 $151 Lawton $80 $166 Norman $91 $176 Tulsa $100 $191 Oklahoma City $103 $204 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Oklahoma car insurance FAQs
Before you start shopping for auto coverage, you should determine how much insurance you need. The following information can help you navigate the process of finding cheap coverage in Oklahoma.
The overall cost of car insurance in Oklahoma is $129 per month. Drivers in the state pay $84 for liability insurance and $175 for full-coverage insurance, on average. Ultimately, your premium will depend on your driving record, age, ZIP code, and more.
State Farm has the cheapest liability car insurance in Oklahoma, with a monthly cost of $28. The second-cheapest insurer in the state, USAA, has a rate of $35 per month. With a cost of $38, Allstate is another cheap car insurance option. The best way to find cheap coverage is to compare quotes from multiple insurers at once.
With a high Insurify Quality (IQ) Score of 9.3 out of 10, an AM Best financial strength rating of A++ (Superior), and customizable coverage options, State Farm is the best car insurance company in Oklahoma. Drivers pay $28 per month for liability insurance and $60 for full-coverage insurance from State Farm in Oklahoma, on average. Other top insurers include Allstate and USAA.
Oklahoma drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
No. Oklahoma is an at-fault state. This means that the driver who causes an accident must cover the other driver’s resulting medical expenses and vehicle repairs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
)
Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.