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Cheap Auto Insurance in Oklahoma 2022

Drivers in Oklahoma pay rates starting at $74/mo. for car insurance

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Anna Baluch
Written by
Anna Baluch
Photo of an Insurify author
Written by
Anna Baluch
Insurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Danny Smith
Edited by
Danny Smith
Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.

Updated November 30, 2022

Oklahoma is the 24th-cheapest state for car insurance in the country, according to our data. Drivers in the Sooner State pay an average of $206 per month, which is $27 less than the national average of $233 per month. Oklahoma houses almost 30,000 miles of road, so residents are reliant on driving[1]. Drivers looking to save money on insurance should compare car insurance quotes online.

Quick Facts

  • On average, Oklahomans pay $206 per month for car insurance.

  • Travelers is the cheapest provider in Oklahoma, with average rates of $142/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Oklahoma: State Farm

1
Travelers logo

Travelers

Best Cheap Car Insurance in Oklahoma
Average Monthly Cost:
$142
Insurify Composite Score:
80

A number of companies offer cheap car insurance in Oklahoma. For example, State Farm and USAA have average monthly rates of $74 and $96 per month, respectively. Allstate is another provider with great deals and an average quote of $115 per month. Find the best cheap car insurance options in Oklahoma in the table below.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
State Farm88$74
USAA96$96
Allstate85$115
American Family89$137
Travelers80$142
Erie85$103
TradersN/A$131
GEICO88$149
ProgressiveN/A$155
Clearcover97$160
Farmers85$163
Safeco86$177
Mercury81$181
Foremost SignatureN/A$182
Direct AutoN/A$219
Kemper SpecialtyN/A$238
Midvale Home & AutoN/A$239
The GeneralN/A$268
Bristol WestN/A$281
Liberty Mutual82$285
CSAAN/A$297
HallmarkN/A$299
KemperN/A$324
AmicaN/A$427
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in Oklahoma

Oklahoma requires insurance for all motor vehicles operated or parked on state roadways. You must carry proof of insurance in your car at all times and make it available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Oklahoma[2] are:

  • $25,000 per person/$50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Oklahoma is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Oklahoma DMV information

To drive legally in Oklahoma, you must meet guidelines set by the Oklahoma Department of Public Safety. You can utilize this organization to get your driver’s license, title, registration, license reinstatement, and more. While you can complete many of these services online, local offices are available for you to visit across the state. You can schedule an appointment online[3].

Public transportation in Oklahoma

The Oklahoma Department of Transportation (ODOT[4]) runs EMBARK, which offers 23 bus routes, river ferry transit, the OKC streetcar, ADA paratransit service, and bikeshares in the Oklahoma City Metro area[5]. While some larger cities also have their own transit systems, public transportation isn’t widely available in rural areas. Cars are the primary mode of transportation for Oklahoma residents.

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Tips for getting cheap car insurance in Oklahoma

One of the easiest and most reliable ways to find affordable car insurance is to compare quotes from multiple insurers online. Comparison shopping is crucial because auto insurance providers offer different rates based on driver history, vehicle type, age, and more. 

Here are some other ways you can lower your insurance rates:

  • Increase your deductible

  • Utilize discounts, such as safe driver or loyalty discounts

  • Bundle two or more policies

  • Maintain a good credit score

Liability-only vs. full-coverage insurance in Oklahoma

If you live in Oklahoma, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Oklahoma by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
Allstate$72$115
American Family$86$137
GEICO$93$149
State Farm$46$74
USAA$60$96
Amica$267$427
Bristol West$157$281
Clearcover$109$160
CSAA$180$297
Direct Auto$153$219
Erie$64$103
Farmers$102$163
Foremost Signature$124$182
Hallmark$162$299
Kemper$140$324
Kemper Specialty$145$238
Liberty Mutual$153$285
Mercury$110$181
Midvale Home & Auto$119$239
Progressive$97$155
Safeco$83$177
The General$176$268
Traders$127$131
Travelers$95$142
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your driving history affects Oklahoma car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Oklahoma. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Oklahoma based on driving and accident history.

See More: High-Risk Car Insurance Oklahoma

Car Insurance CompanyClean Record
Allstate$102
American Family$122
Farmers$92
Progressive$138
USAA$66
Amica$380
Bristol West$255
Clearcover$146
CSAA$264
Direct Auto$205
Erie$303
Foremost Signature$168
GEICO$146
Hallmark$281
Kemper$309
Kemper Specialty$216
Liberty Mutual$270
Mercury$162
Midvale Home & Auto$215
Safeco$173
State Farm$133
The General$247
Traders$117
Travelers$139
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Cheap Car Insurance After a DUI

SR-22 insurance in Oklahoma

An SR-22 is a form that a car insurance company completes on behalf of a policyholder to show financial responsibility. Although Oklahoma doesn’t require this form, many states require an SR-22 to reinstate a driver’s license after a suspension for a DUI or other serious offense. Instead, as a driver in Oklahoma, you’ll need to get an active insurance policy that meets the minimum requirements in the state.

See More: Bad Credit Car Insurance Oklahoma

How credit scores affect Oklahoma car insurance quotes

Car insurance companies in the Sooner State can consider your credit scores when determining your premium. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$159
Good$188
Average$206
Poor$319
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your city affects Oklahoma insurance quotes

The city you live in also will influence your car insurance rates in Oklahoma. Busier cities, like Oklahoma City and Tulsa, tend to have more traffic and accident claims, so premiums in those cities are often higher than rates in smaller cities. Here’s what drivers pay on average in some of the most populated cities in Oklahoma.

CityAverage Monthly Quote
Ardmore$194
Bartlesville$272
Bixby$331
Broken Arrow$214
Edmond$248
Enid$218
Jenks$269
Lawton$224
Muskogee$184
Norman$241
Oklahoma City$244
Shawnee$200
Stillwater$199
Tulsa$231
Yukon$252
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your Oklahoma car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$439
Under 25$268
20s$212
30s$179
40s$171
50s$162
60s$143
70s$146
80+$131
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly. Like in most states, teenagers and drivers under 25 pay the most for car insurance due to a lack of driving experience, which insurers see as a risk.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Progressive offers some of the most affordable rates, with an average of $158 per month for liability-only coverage.

Car Insurance CompanyLiability Only
Liberty Mutual$209
Progressive$158
TravelersN/A
Bristol West$218
Clearcover$133
CSAA$264
Direct Auto$225
Foremost SignatureN/A
Hallmark$230
Kemper$208
Kemper Specialty$215
Mercury$162
Midvale Home & Auto$175
Safeco$118
The General$260
Traders$170
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. On average, drivers in this age range pay between $162 and $179 per month. The cheapest options for full-coverage insurance come from Progressive and Travelers, at $136 and $137, respectively.
Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. On average, drivers in this age range pay between $131 and $146 per month. The cheapest options for full-coverage insurance are Progressive and Travelers, at $93 and $119, respectively.

Car Insurance CompanyLiability Only
Liberty Mutual$125
Progressive$72
Travelers$96
Bristol West$125
Clearcover$98
CSAA$136
Direct Auto$129
Foremost Signature$82
Hallmark$119
Kemper$99
Kemper Specialty$99
Mercury$82
Midvale Home & Auto$106
Safeco$78
The General$132
Traders$103
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. On average, drivers in this age range pay between $131 and $146 per month. The cheapest options for full-coverage insurance are Progressive and Travelers, at $93 and $119, respectively.

Car Insurance CompanyLiability Only
Bristol West$107
Progressive$59
Travelers$84
Clearcover$90
CSAA$124
Direct Auto$120
Foremost Signature$110
Hallmark$132
Kemper$114
Kemper Specialty$105
Liberty Mutual$114
MercuryN/A
Midvale Home & Auto$99
Safeco$71
The General$145
Traders$113
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Frequently Asked Questions (FAQs) - Cheap Car Insurance in Oklahoma

  • The insurer offering the cheapest full-coverage car insurance policy in Oklahoma is State Farm, with average quotes of $74 per month. Other comparable car insurance companies with affordable rates include USAA and Allstate, at $96 and $115 per month, respectively. Smaller and more regional insurers, like Eries and Traders, offer average premiums lower than $135 per month.

    By coverage level, State Farm provides the cheapest quotes for minimum- and full-coverage insurance policies. USAA offers the cheapest average quotes by driver history for those with a clean record, speeding ticket, DUI, or at-fault accident. When factors like driving history and coverage level are broken down with age, Travelers and Progressive have the cheapest rates.

  • Oklahoma is the 14th-safest state for driving in the country. That said, around 15% of drivers in the state have a recent incident on their record, and the state ranks second in the country for the number of suspended licenses. The frequency of severe offenses associated with license suspension may result in statewide cost increases as auto insurers assess risk levels.

    Because state weather conditions, among other location-based factors, influence how auto insurers assess risk in a state, Oklahoma’s position in Tornado Alley is relevant. In 2021, for example, the state recorded 63 tornadoes[6]. The frequency and related destruction from tornadoes increase the likelihood of policyholders filing more claims.

  • The average cost of car insurance in Oklahoma is $206 per month, according to Insurify data. This is lower than the national average of $233 per month. Oklahoma is the 24th-cheapest state for purchasing car insurance. Car insurance is cheaper than in Kansas and Colorado but more expensive than in New Mexico.

    Costs fluctuate in Oklahoma and other states, making it important to shop around and compare quotes often. For example, between July 2021 and July 2022, average rates in Oklahoma increased by 28%, according to our data. As insurance companies continue to react to industry conditions and supply chain issues, some providers might implement changes.

  • The car insurance companies in Oklahoma with the highest ICS rankings and cheapest rates include Travelers, Liberty Mutual, and Clearcover. Their average monthly quotes are $142, $285, and $160, respectively. To find the best auto insurance provider for your unique budget and needs, be sure to shop around and compare all your options.

    The companies mentioned above all have good financial strength ratings. Travelers has an A++ from A.M. Best and an AA from both Moody’s and Standard & Poor’s. Liberty Mutual earned an A from A.M. Best, an A2 from Moody’s, and an A from Standard & Poor’s. Lastly, Clearcover has an A- from A.M. Best but hasn’t been ranked by Moody’s or Standard & Poor’s.

  • Oklahoma doesn’t require personal injury protection (PIP) coverage. In fact, the coverage type isn’t even available for purchase. If you’re interested in a similar coverage for your medical bills that applies even if you’re at fault for an accident, MedPay coverage is likely the best option.

    Though not required, MedPay coverage can cover medical expenses and funeral costs that result from an accident, no matter who’s responsible for it.


  • Yes. The state of Oklahoma requires that all drivers carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage. Driving uninsured is considered a misdemeanor. If you’re caught, you’ll be fined and face license suspension. And you’ll have to pay to reinstate your license[7].

    Bodily injury coverage applies to the medical bills of people other than the policyholder injured in an accident or other incident. Similarly, property damage coverage goes toward the costs of repairing the property of the other parties involved in an accident. In some cases, property damage coverage also kicks in if a lawsuit results from an accident.

  • In Oklahoma, the car owner’s insurance follows the car, as long as the owner grants the driver permission to drive it. If the owner doesn’t have liability insurance, it’s the driver’s legal responsibility to carry their own liability insurance when operating the vehicle. Collision and comprehensive coverage will always apply because they’re linked to the vehicle[8].

    You should never let an unlicensed driver operate your vehicle for safety reasons and to avoid any legal and financial consequences.

  • Full-coverage insurance in Oklahoma is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 per person and $50,000 per accident in bodily injury coverage and $25,000 in property damage coverage. A full-coverage policy in Oklahoma also includes collision and comprehensive insurance.

    Liability insurance covers costs related to bodily injury and property damage of others involved in an accident you are responsible for. Collision coverage applies to your vehicle and necessary repairs if it’s damaged in a car accident. Comprehensive coverage covers non-collision-related damages to your car from natural disasters, theft, vandalism, and more.

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.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Oklahoma Department of Transportation. "Oklahoma Transportation Facts." Accessed November 30, 2022
  2. Oklahoma Insurance Department. "State Minimum Car Insurance Requirements." Accessed November 30, 2022
  3. Oklahoma Department of Public Safety. "Inline Online." Accessed November 30, 2022
  4. Oklahoma Department of Transportation. "Public Transportation." Accessed November 30, 2022
  5. The City of Oklahoma City. "Public Transportation and Parking." Accessed November 30, 2022
  6. National Weather Service. "Monthly/Annual statistics for Tornadoes in Oklahoma (1950-Present)." Accessed November 30, 2022
  7. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed November 30, 2022
  8. Oklahoma Insurance Department. "State Minimum Car Insurance Requirements." Accessed November 30, 2022
Anna Baluch
Written by
Anna Baluch
Linkedin

Insurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Learn More
Danny Smith
Edited by
Danny Smith
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.