Cheapest Auto Insurance in Oklahoma (2026)
State Farm has the cheapest liability insurance in Oklahoma, with a monthly rate of $34.
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Reviewed byMark Friedlander
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
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Full-coverage car insurance in Oklahoma costs an average of $163 per month, which is slightly lower than the national average of $183. A liability-only policy in the Sooner State costs $78 per month, which is a bit lower than the national average of $97.
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.
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 $120 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 | 4.0 |
|---|---|
| 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. | 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. | $34/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. | $77/mo |
4.0
Best choiceBased on 17,001 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 25 reviews from Oklahoma driversSee all 7,377 State Farm reviews
Verified Review
Reviewed in Oklahoma on April 2, 2026
No problem with them. I've been with them for close to 60 years.
Verified Review
Reviewed in Oklahoma on April 1, 2026
Too expensive, rates go up way too much in a short time!
Verified Review
Reviewed in Oklahoma on March 21, 2026
State Farm had been very reliable, but the cost continued to go up.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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. | 9.1 /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. | $43/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. | $97/mo |
4.9
Best choiceBased on 3,407 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 10 reviews from Oklahoma driversSee all 1,531 USAA reviews
Verified Review
Reviewed in Oklahoma on March 28, 2026
I must say, honestly, I like the coverage. It's just not affordable for my budget, being that I'm a disabled widow of a veteran.
Verified Review
Reviewed in Oklahoma on January 17, 2026
USAA has been really good on the car side but needs a little more attention when you have a possible home issue. They, however, did lower our rates when I asked them for some help on that particular subject. Maybe I should have given them four stars instead of five, but I took everything into consideration and decided they deserved five stars! We have been with them for over five years, so I just thought back on how it has been over the last five years, and I can honestly say I haven’t had any problems!
Verified Review
Reviewed in Oklahoma on January 3, 2026
The home insurance section is excellent, but the car insurance costs way too much.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Allstate
| User Reviews | 3.8 |
|---|---|
| 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. | $47/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. | $106/mo |
3.8
A solid optionBased on 10,184 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Allstate
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 14 reviews from Oklahoma driversSee all 4,376 Allstate reviews
Verified Review
Reviewed in Oklahoma on April 10, 2026
I just switched to another insurance provider with better coverage for less money.
Verified Review
Reviewed in Oklahoma on February 18, 2026
Everything was good. I haven’t had any accidents.
Verified Review
Reviewed in Oklahoma on February 16, 2026
I have not had a claim, so I don't know about their claims service. But just like any other insurance company, they reel you in with a fair price for the first year, then the premiums start to rise. I shop for insurance every year.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
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
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.
Find Cheap Car Insurance in Oklahoma
Liability quotes in Oklahoma start at $34 per month
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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 $78 per month. Here are the cheapest insurance companies in Oklahoma for liability-only coverage.
The below rates in Oklahoma are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| USAA | $43 |
| Allstate | $47 |
| Progressive | $54 |
| Mercury | $59 |
| National General | $68 |
| The General | $70 |
| Farmers | $72 |
| AssuranceAmerica | $73 |
| Safeco | $79 |
| GEICO | $80 |
| Bristol West | $91 |
| Root | $93 |
| GAINSCO | $101 |
| Shelter | $102 |
| Direct Auto | $104 |
| CSAA | $107 |
| Liberty Mutual | $152 |
| Liberty Mutual | $152 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
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 $163 per month, on average.
The following insurers are the cheapest options for full-coverage insurance in Oklahoma.
The below rates in Oklahoma are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $77 |
| USAA | $97 |
| Allstate | $106 |
| Mercury | $131 |
| Progressive | $136 |
| National General | $139 |
| AssuranceAmerica | $144 |
| Root | $151 |
| Safeco | $158 |
| Farmers | $164 |
| GEICO | $172 |
| CSAA | $176 |
| The General | $194 |
| Direct Auto | $199 |
| Bristol West | $224 |
| Shelter | $230 |
| Liberty Mutual | $246 |
| Liberty Mutual | $246 |
| GAINSCO | $285 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Oklahoma drivers
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $97/mo for full coverage in Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $97/mo for full coverage in ..
*Quotes generated for Insurify users within the last 10 days. Last updated on April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 13, 2026. 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 April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 13, 2026. 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 $144 $301 Adult drivers $79 $165 Senior drivers $71 $149 Disclaimer: Table data is based on real-time Oklahoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $91 per month for liability-only insurance and $190 for full-coverage insurance.
The below rates in Oklahoma are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| State Farm | $44 | $44 | $45 |
| USAA | $57 | $57 | $57 |
| Allstate | $62 | $62 | $62 |
| Progressive | $71 | $69 | $66 |
| Mercury | $83 | $87 | $83 |
| National General | $87 | $89 | $90 |
| Farmers | $94 | $94 | $96 |
| AssuranceAmerica | $95 | $95 | $97 |
| The General | $96 | $95 | $90 |
| Safeco | $106 | $108 | $112 |
| GEICO | $107 | $103 | $105 |
| Bristol West | $117 | $118 | $121 |
| GAINSCO | $123 | $127 | $134 |
| Root | $126 | $123 | $125 |
| Direct Auto | $133 | $139 | $138 |
| Shelter | $138 | $136 | $137 |
| CSAA | $143 | $157 | $142 |
| Liberty Mutual | $198 | $198 | $202 |
| Liberty Mutual | $198 | $198 | $202 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Oklahoma
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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 in Oklahoma are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ years experience in data analysis
Ph.D. in Computational Biology
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageBartlesville $63 $167 Enid $67 $139 Stillwater $67 $147 Ardmore $69 $156 Ponca City $69 $137 Muskogee $75 $157 Lawton $76 $160 Norman $86 $172 Tulsa $92 $171 Oklahoma City $97 $187 Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma 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 $120 per month. Drivers in the state pay $78 for liability insurance and $163 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 $34. The second-cheapest insurer in the state, USAA, has a rate of $43 per month. With a cost of $47, 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 $34 per month for liability insurance and $77 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.
Sources
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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.
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Written byMark Vallet
Mark Vallet
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology