Cheapest Auto Insurance in Oklahoma (2024)

State Farm has the cheapest liability insurance in Oklahoma, with a monthly rate of $35.

Mark Vallet
Written byMark Vallet
Mark Vallet
Mark Vallet

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.

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 July 11, 2024

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Cheapest recent rates in Oklahoma

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $99/mo for full coverage in Oklahoma.

*Quotes generated for Insurify users from Oklahoma within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Oklahoma within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Oklahoma face rates similar to the U.S. average. Full-coverage car insurance in Oklahoma costs an average of $193 per month, which slightly exceeds the national average of $214. A liability-only policy in the Sooner State costs $89 per month, which is a bit lower than the national average of $105.

Frequent severe weather may account for the higher full-coverage premiums in Oklahoma, which is in Tornado Alley. Tornadoes can cause massive damage to vehicles, leading to higher rates.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Oklahoma.

Quick Facts
  • 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 $141 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.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm9.3$63$35Teen drivers
USAA9.4$79$44Military families
Allstate8.9$87$49Safe drivers
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$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.
$63/mo

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.

Pros
  • Young drivers can save with the Steer Clear program

  • Largest insurer in the country

Cons
  • Fewer discounts than some competitors

  • Doesn’t offer accident forgiveness

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

Best insurer for military families: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
$44/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.
$79/mo

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.

Pros
  • Excellent J.D. Power customer satisfaction ratings

  • Drivers can save up to 30% with the SafePilot program

Cons
  • Membership limited to military members and families

  • Doesn’t offer gap insurance

Read more driver reviews of USAA
Timothy - July 7, 2024
Verified

Decline of USAA

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Thomas - July 7, 2024
Verified

Frustrated with the automated agent

The personal customer service is excellent. However, the automated agent is horrible.

Jeffrey - July 7, 2024
Verified

USAA has broadened its membership eligibility, but not for my parents

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

Best insurer for safe drivers: Allstate

Compare personalized, real-time quotes
User Reviews
3.2
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.
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.
$49/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.
$87/mo

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.

Pros
  • Offers rideshare insurance

  • AM Best financial strength rating of A+ (Superior)

Cons
  • Some customer service complaints online

  • Mobile app not as robust as some competitors

Read more driver reviews of Allstate
Robert - July 7, 2024
Verified

Good

No claims, no tickets, but pricing is rising faster than inflation.

James - July 7, 2024
Verified

Excellent Insurance for the Money

Very good.

Tina - July 7, 2024
Verified

High Monthly Payments

I would recommend looking around to see if you can find a cheaper policy. Mine seems to be quite high.

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 score.

Here are a few tips for finding the cheapest car insurance in the state of Oklahoma:

  • Shop around. Insurance companies assess your risk factors differently, so premium quotes can vary. Compare quotes from at least five different insurers, and make sure to look at the same coverage levels and deductibles.

  • 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.

Find Cheap Car Insurance in Oklahoma

Liability quotes in Oklahoma start at $35 per month

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Cheapest liability-only car insurance in Oklahoma: State Farm

Oklahoma law requires all drivers to carry liability insurance. Liability-only insurance 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 own injuries and damages. Carrying liability-only coverage is a good idea if your vehicle is older and you would replace it after an accident instead of having it repaired.

In Oklahoma, liability-only insurance costs an average of $89 per month. Here are the cheapest insurance companies in Oklahoma for liability-only coverage.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Monthly Quote
State Farm$35
USAA$44
Allstate$49
Mercury$58
Safeco$67
GEICO$71
Farmers$75
Progressive$76
National General$78
Clearcover$79
CSAA$85
Direct Auto$90
Liberty Mutual$93
Midvale Home & Auto$96
GAINSCO$104
Shelter$105
The General$105
Hallmark$117
Foremost$136
Bristol West$144
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.

Cheapest full-coverage car insurance 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 $193 per month, on average.

The following insurers are the cheapest options for full-coverage insurance in Oklahoma.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Monthly Quote
State Farm$63
USAA$79
Allstate$87
Mercury$113
GEICO$126
Farmers$134
Progressive$139
Safeco$153
National General$160
Direct Auto$161
Clearcover$163
CSAA$178
Shelter$188
Midvale Home & Auto$211
The General$226
Liberty Mutual$235
GAINSCO$252
Hallmark$268
Foremost$285
Bristol West$306
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.

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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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 for drivers with an incident

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 $121 per month for liability insurance and $262 for full-coverage insurance.

Cheapest recent rates in Oklahoma

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $63/mo for full coverage in Oklahoma.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets on your driving record are a red flag for insurance companies, so you’ll likely pay a higher premium. In 2021, speeding played a role in 28% of fatal car crashes, 13% of injury crashes, and 9% of property-damage-only crashes, according to the National Highway Traffic Safety Administration (NHTSA).[3]

The cost of car insurance for drivers with a speeding ticket in Oklahoma is $133 per month for liability coverage and $288 for full-coverage insurance.

Compare quotes from some of the cheapest Oklahoma insurers for drivers with a clean record and people with a past speeding ticket.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Clean Driving Record With Speeding Ticket
State Farm$35$46
USAA$44$59
Allstate$49$65
Mercury$58$83
Safeco$67$91
GEICO$71$95
Farmers$75$99
Progressive$76$102
National General$78$104
Clearcover$79$106
CSAA$85$116
Direct Auto$90$120
Liberty Mutual$93$135
Midvale Home & Auto$96$132
GAINSCO$104$152
Shelter$105$146
The General$105$142
Hallmark$117$156
Foremost$136$198
Bristol West$144$191
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.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you have an at-fault accident on your driving record, your insurer will charge a higher rate because you pose a bigger risk of filing a future claim. The rate increase will vary depending on your other personal risk factors, as well as the severity of the accident.

Drivers with an at-fault accident in Oklahoma pay an average of $136 per month for liability coverage.

The following chart shows the state average premium increase for drivers with an accident on their record compared to drivers with a clean record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Clean Driving Record With Accident
State Farm$35$48
USAA$44$61
Allstate$49$68
Mercury$58$85
Safeco$67$90
GEICO$71$99
Farmers$75$103
Progressive$76$107
National General$78$109
Clearcover$79$117
CSAA$85$123
Direct Auto$90$127
Liberty Mutual$93$140
Midvale Home & Auto$96$141
GAINSCO$104$139
Shelter$105$151
The General$105$148
Hallmark$117$156
Foremost$136$205
Bristol West$144$197
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.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI is a serious moving violation that will result in a major increase to your insurance premium. In most cases, you’ll pay a higher rate for years. Shopping around for your insurance coverage and taking a defensive driving course may help you find lower rates.

People in Oklahoma with a DUI pay a monthly average of $153 for a liability-only policy. The table below shows the cheapest car insurance companies for drivers in Oklahoma with a DUI on their record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Clean Driving RecordHas DUI
State Farm$35$60
USAA$44$75
Allstate$49$84
Mercury$58$89
Safeco$67$114
GEICO$71$121
Farmers$75$128
Progressive$76$130
National General$78$133
Clearcover$79$135
CSAA$85$145
Direct Auto$90$153
Liberty Mutual$93$159
Midvale Home & Auto$96$164
GAINSCO$104$177
Shelter$105$179
The General$105$179
Hallmark$117$199
Foremost$136$232
Bristol West$144$245
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.

Cheapest car insurance for seniors: State Farm

Your age plays a role in how much you pay for car insurance. 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.

Liability-only coverage for seniors in Oklahoma costs $65 per month, on average. Check out affordable car insurance options for seniors in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyLiability OnlyFull Coverage
State Farm$26$46
USAA$33$60
Allstate$37$66
Mercury$42$81
Progressive$51$93
Safeco$52$118
GEICO$54$95
Farmers$55$98
National General$57$118
Clearcover$60$124
CSAA$62$131
Direct Auto$66$118
Shelter$69$124
Midvale Home & Auto$69$152
Liberty Mutual$71$179
The General$81$174
GAINSCO$81$197
Hallmark$84$193
Foremost$100$210
Bristol West$109$231
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.

Cheapest car insurance for teens: State Farm

Teen drivers pay some of the highest premiums for car insurance due to a lack of driving experience. Statistics show that teenagers have a higher likelihood than older drivers of having an accident and filing a claim.

Young drivers between 15 and 20 made up 5% of licensed drivers but accounted for 8.4% of all drivers involved in fatal crashes in 2021, according to data from the National Highway Traffic Safety Administration (NHTSA).[4]

Teen drivers in Oklahoma pay $173 per month, on average, for a liability policy. Car insurance for teenagers is expensive, but you can save by earning a good student discount, joining a parent’s existing policy, and setting a high deductible. 

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyLiability OnlyFull Coverage
State Farm$62$112
USAA$77$138
Allstate$90$159
Mercury$110$214
GEICO$118$209
Farmers$138$246
Progressive$143$261
Safeco$144$329
CSAA$146$305
National General$157$321
Clearcover$159$329
Direct Auto$171$306
Midvale Home & Auto$173$380
The General$178$382
Liberty Mutual$178$450
Shelter$188$337
GAINSCO$193$467
Hallmark$216$495
Foremost$252$528
Bristol West$256$545
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.

Find Car Insurance in Oklahoma

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Oklahoma car insurance quotes by credit tier

Most states allow insurance companies to consider your credit-based insurance score when setting your car insurance rate. If you have a poor credit score, you’ll likely pay more for coverage. Statistics show that drivers with poor credit tend to file more claims, so insurers charge them a higher premium compared to drivers with excellent or good credit.

Oklahoma allows insurers to consider your credit history with some restrictions. Insurers can’t use it as the only factor they consider or use a lack of credit as a reason to deny coverage.[5]

Here are the average monthly full-coverage insurance premiums based on your credit tier in Oklahoma.

Rates by Credit Tier

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.

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.

  • How much is car insurance in Oklahoma?

    The overall cost of car insurance in Oklahoma is $141 per month. Drivers in the state pay $89 for liability insurance and $193 for full-coverage insurance, on average. Ultimately, your premium will depend on your driving record, age, ZIP code, and more.

  • Who has the cheapest car insurance in Oklahoma?

    State Farm has the cheapest liability car insurance in Oklahoma, with a monthly cost of $35. The second-cheapest insurer in the state, USAA, has a rate of $44 per month. With a cost of $49, Allstate is another cheap car insurance option. The best way to find cheap coverage is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Oklahoma?

    With a high Insurify Quality (IQ) Score of 9.3 out of 5, 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 $35 per month for liability insurance and $63 for full-coverage insurance from State Farm in Oklahoma, on average. Other top insurers include Allstate and USAA.

  • What is the state minimum insurance required in Oklahoma?

    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.

  • Is Oklahoma a no-fault state for car insurance?

    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.

Insurify Insights

How Oklahoma Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Oklahoma below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Oklahoma drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Oklahoma

#25

State with the Most Speeding Tickets Rank

#29

State with the Moving Violations Rank

#38

State with the Most DUIs Rank

#10

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Oklahoma is the #35 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #35
    • Percent of drivers in Oklahoma with an accident: 7.8%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oklahoma is the #38 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #38
    • Percent of drivers in Oklahoma with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Oklahoma is the #27 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #27
    • Percent of drivers in Oklahoma with a reckless driving offense: 1.3%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Oklahoma is the #26 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #26
    • Percent of drivers in Oklahoma with a rude driving violation: 1.5%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Oklahoma is the #25 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #25
    • Percent of drivers in Oklahoma with a speeding ticket: 8.6%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oklahoma is the #39 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #39
    • Percent of drivers in Oklahoma with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Oklahoma Insurance Department. "Auto Insurance: Common Myths."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. National Highway Traffic Safety Administration. "Traffic Safety Facts 2021 Data: Speeding."
  4. National Highway Traffic Safety Administration. "Traffic Safety Facts 2021 Data: Young Drivers."
  5. Justia. "2022 Oklahoma Statutes Title 36. Insurance §36-953. Use of credit information - Prohibited acts.."
Mark Vallet
Mark Vallet

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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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