Best Car Insurance in Oklahoma (2026)
State Farm, USAA, and GEICO are among the best car insurance companies in Oklahoma.
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Written byEmily Guy Birken
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Emily Guy BirkenInsurance and Personal Finance Writer
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Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Every driver has different priorities when it comes to auto insurance coverage, which can make it difficult to know which car insurance company is best for you. To help you pinpoint the best car insurance options in Oklahoma, Insurify analyzed 50 car insurance companies in the Sooner State.
Here’s what you need to know about finding the best Oklahoma car insurance policy for your needs.
Best car insurance companies in Oklahoma
Depending on what you need from your car insurance policy, the best auto insurance company for you may look different from the best one for another driver. Car insurance companies determine annual rates based on a number of personal rating factors, including your driving history, marital status, ZIP code, vehicle, coverage levels, and credit history.[1]
Comparing quotes is one of the most important parts of finding the right car insurance policy for your coverage needs. You may want to start your search with any of the five insurers listed below, which are among the best car insurance companies in Oklahoma.
State Farm: Best insurance company overall
| 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. | $37/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. | $72/mo |
4.0
Best choice in OklahomaBased on 15,788 verified driver reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Customer service
Competitive rates
Discounts for safe drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Customer service
Competitive rates
Discounts for safe drivers
Showing 26 reviews from Oklahoma drivers - See all 7,176 State Farm reviews
Billy
Verified Review
Best Priced
Reviewed in Oklahoma on March 3, 2026
Decent price, have not had any claims.
Lisa
Verified Review
State Farm #1
Reviewed in Oklahoma on March 2, 2026
They will always work with you on your payments.
Charles
Verified Review
Bye
Reviewed in Oklahoma on February 27, 2026
Excellent. Saved half price.
Connie
Verified Review
I had a claim with State Farm, and they did not supply me with enough money to buy another vehicle. Mine was totaled, and they sent it to salvage and paid my lender, but I was left with no car and no down payment. I was relieved of the debt to the lender, which is something, but it's just not the way I wanted it. I wanted to buy the car from them as salvage.
Reviewed in Oklahoma on February 23, 2026
I had a claim with State Farm, and they did not supply me with enough money to buy another vehicle. Mine was totaled, and they sent it to salvage and paid my lender, but I was left with no car and no down payment. I was relieved of the debt to the lender, which is something, but it's just not the way I wanted it. I wanted to buy the car from them as salvage.
Ty
Verified Review
Rip
Reviewed in Oklahoma on February 17, 2026
Overpriced, horrible customer service, and they offer coverage I don’t even need.
Kathleen
Verified Review
They are good people, but I think the car insurance is way too high for me being 70 years old, and I don’t even drive a mile a day, if that.
Reviewed in Oklahoma on January 20, 2026
They are good people, but I think the car insurance is way too high for me being 70 years old, and I don’t even drive a mile a day, if that.
Charles
Verified Review
State Farm is a good insurance company but their discount program, DriveSafe, is not accurate!
Reviewed in Oklahoma on January 18, 2026
DriveSafe is not reliable! It noted "Illegal Turns" and "speeding" in a parking lot! Questionable on other demerits, very frustrating!
William
Verified Review
Horrible Experience
Reviewed in Oklahoma on January 16, 2026
My premium increased by 30% with no change to my policy and no claims! I have had State Farm for decades, but I am not at all pleased with the increase, so I will not be recommending them nor continuing with them.
Deborah
Verified Review
Excellent Insurance
Reviewed in Oklahoma on January 12, 2026
State Farm took good care of me and my car.
…
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
The largest car insurance company in the country by market share, State Farm has affordable average rates, a variety of discounts, and a robust list of coverage options — including car rental and travel expenses, roadside assistance, medical payments, and rideshare coverage.
State Farm also ranks well above the industry average for claims satisfaction, according to the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.
Pros
Rideshare coverage available
Discount programs tailored to young drivers
Rated highly for claims satisfaction
Cons
Payoff Protector coverage limited to policyholders who originated an auto loan through State Farm Bank
Must purchase policy through State Farm agent
Accident forgiveness not available
USAA: Best insurance company for military members
| 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. | $46/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. | $90/mo |
4.9
Best choice in OklahomaBased on 3,128 verified driver reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Members of the military community
Outstanding customer service
Competitive rates
Showing 12 reviews from Oklahoma drivers - See all 1,477 USAA reviews
Robert
Verified Review
USAA is a pretty good company!
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!
Sarah
Verified Review
Good in theory
Reviewed in Oklahoma on January 3, 2026
The home insurance section is excellent, but the car insurance costs way too much.
Robert
Verified Review
Not happy
Reviewed in Oklahoma on December 21, 2025
Very complicated to understand the plans. I was told my premium would be $32.00/mo, but I'm paying $47.00/mo.
Tina
Verified Review
Tina's Warning
Reviewed in Oklahoma on November 23, 2025
Do not go with USAA. They changed my amount from $97 to $160, saying their rates went up. To me, that sucks. The only way my rate should change that much is if I increased my coverage or lowered my deductible, but I didn't do any of those. Am I right? Still, it skyrocketed. I had to drop down to just liability on one vehicle. Don't use USAA.
Patti
Verified Review
Far too expensive for coverage on house and cars.
Reviewed in Oklahoma on October 31, 2025
Shop around. USAA increased their rates every year even though we had no claims and are excellent drivers.
Jeane
Verified Review
I have been with USAA for decades. Except for higher monthly premiums, this company is wonderful. I wish for better discounts for senior citizens. I am 80 now, and my budget is tight. I still would recommend USAA to anyone.
Reviewed in Oklahoma on October 11, 2025
I have been with USAA for decades. Except for higher monthly premiums, this company is wonderful. I wish for better discounts for senior citizens. I am 80 now, and my budget is tight. I still would recommend USAA to anyone.
Diane
Verified Review
Not happy
Reviewed in Oklahoma on September 21, 2025
Discounts only apply if you drive a certain number of miles each month that they require. I'm a disabled, service-connected veteran, senior citizen and don't do any unnecessary driving. USAA took away my discounts and increased my premium. I'm 65, have no accidents ever, am a non-drinker, and non-drug user. My car is 10 years old now, so I dropped full coverage. My monthly payment went from $176.00 to $76.00. After losing my discount, my monthly payment went up to $108.00.
Cornelius
Verified Review
Good
Reviewed in Oklahoma on June 2, 2025
Good, but expensive.
Mervin
Verified Review
Why I'm Staying
Reviewed in Oklahoma on April 20, 2025
I've never had any problems. The rates are reasonable.
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
USAA has insured members of the military members for more than 100 years. More than 244,000 veterans live in Oklahoma, making up 8% of the state’s total population.
USAA consistently scores well for customer service and claims satisfaction. The J.D. Power 2024 U.S. Auto Insurance Study awarded USAA 733 points out of 1,000 in the Southwest region, making it the highest-scoring insurer in the region — although J.D. Power doesn’t include USAA in the rankings because of eligibility criteria.
Pros
Excellent J.D. Power customer satisfaction and claims satisfaction scores
Numerous bundling opportunities as well as banking and investment products
Save up to 30% with SafePilot program
Cons
Gap insurance not available
Only available to active-duty military members, veterans, and their families
Very low customer review rating on the Better Business Bureau (BBB) website
GEICO: Best insurance company for drivers with an incident
| 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. | 9.2 /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. | $85/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. | $160/mo |
4.0
Best choice in OklahomaBased on 16,013 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Teen drivers
Cheap rates
Accident forgiveness
Showing 11 reviews from Oklahoma drivers - See all 7,420 GEICO reviews
Billy
Verified Review
Incorrect Lot Number Issue
Reviewed in Oklahoma on March 4, 2026
I informed them that they had my lot number wrong, and now I have to pay $25 more a month.
Vince
Verified Review
Too expensive, $1000 more than I’m paying now, YES $1000 more
Reviewed in Oklahoma on February 21, 2026
Too expensive.
Shawn And Lolita
Verified Review
Excellent
Reviewed in Oklahoma on January 13, 2026
GEICO has competitive pricing and great customer service.
Michael
Verified Review
15+ Years are Enough
Reviewed in Oklahoma on December 29, 2025
I've been with Geico for over 15 years. Every 6 months they raise rates. So I call them, and they always blame the government or recent weather, etc. I've never had a claim, but still. So I started the formidable job of comparing policies. I beat Geico by $226.00 and now have better coverage! Companies want loyalty, so where is the loyalty to the customer?
Mark
Verified Review
Wonderful
Reviewed in Oklahoma on December 22, 2025
It's GEICO, we love you guys!
Larry
Verified Review
This insurance lives up to the hype!
Reviewed in Oklahoma on December 22, 2025
Very good service and very quick!
Diana
Verified Review
Bait and Switch
Reviewed in Oklahoma on December 20, 2025
Poor. They use bait and switch tactics. The final quote was more than double what they had offered on their website.
Burdette Philip
Verified Review
Subpar & Greed-Ridden
Reviewed in Oklahoma on October 24, 2025
They're a greedy company. I would recommend you shop around instead of settling on one quote. I was with them for over six years and had to switch because they more than doubled my insurance price from one state to another. When I switched from Geico, I saved $400 and received renters insurance.
Ruthie
Verified Review
Quotes
Reviewed in Oklahoma on October 18, 2025
Ask a lot of questions about your quote. It may go up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
As the third-largest U.S. auto insurer by market share, GEICO has made its reputation as a national insurer by offering competitive insurance rates.
Many drivers can save on car insurance with GEICO’s discounts, each of which could save drivers upward of 25%, according to the company website. The company also offers competitive premiums for high-risk drivers, making this a good fit for Oklahomans with less-than-perfect driving records.
Pros
Many available discounts
Award-winning mobile phone app and website
Accident forgiveness available
Cons
Below-average J.D. Power customer satisfaction rating in the Southwest region
No rideshare or new car replacement coverage available
Very low customer review rating on Trustpilot
Allstate: Best insurance company for safe drivers
| 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. | $50/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. | $99/mo |
3.8
A solid option in OklahomaBased on 9,438 verified driver reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Accident forgiveness
Wide availability
Cheap rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Accident forgiveness
Wide availability
Cheap rates
Showing 14 reviews from Oklahoma drivers - See all 4,268 Allstate reviews
Rick
Verified Review
Excellent
Reviewed in Oklahoma on February 18, 2026
Everything was good. I haven’t had any accidents.
Rex
Verified Review
Bait and Switch
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.
Jeffrey
Verified Review
Unhappy Customer
Reviewed in Oklahoma on January 28, 2026
Way overpriced. We're 71 and 72 years old, haven't had an accident in I don't know how long, and haven't had a speeding ticket in probably 30 years. We're still having to pay outrageous rates. There's absolutely no reward whatsoever for being loyal or accident-free. We're still paying for everybody else's problems!
Dwayne
Verified Review
It could be worse
Reviewed in Oklahoma on January 21, 2026
Rates change like every 6 months.
Rick
Verified Review
I got everything taken care of for me
Reviewed in Oklahoma on January 21, 2026
Everything's good. The prices are still high.
Bevley
Verified Review
Auto and Home Insurance with Allstate
Reviewed in Oklahoma on January 19, 2026
The price of insurance started very reasonably when I began my car, pickup, and home insurance. In fact, I got the $250 deductible cheaper than my old policy with a $500 deductible. After the first 6 months, my auto insurance jumped over $50/month. I finally had to change my policy to a $1000 deductible to get my payments close to the original amount. I traded my 2019 pickup for a new 2025 model, and the insurance coverage is much cheaper on the new pickup than my wife’s 2019 Lexus RX, which is worth about a third of the value of the new truck. That doesn’t make sense to me.
David
Verified Review
Why the Greed?
Reviewed in Oklahoma on January 12, 2026
I’m only looking at the final number when I shop for insurance! If you have the lowest cost on the 5-month total, you get my money. I don’t look at anything else. It’s a racket. I could have insurance with a company for 6 months, and when it comes time to renew, guess what? The price goes up 100% of the time. This is with having no tickets, no DUIs, no claims, nothing! But the price goes up. Greed is going to get us all.
Marlene
Verified Review
Insurance Info
Reviewed in Oklahoma on December 24, 2025
The only bad problem is the cost. I rarely drive because I'm at home - retired. The only places I go are church, the grocery store, and Walmart.
Robert
Verified Review
Caleb was very respectful of my concerns and equally so in solving them.
Reviewed in Oklahoma on December 24, 2025
So far, so good!
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
Oklahoma drivers with clean records should consider getting a quote from Allstate, which offers a number of savings and rewards for drivers who keep their records free of incidents. A notable option is the Drivewise usage-based telematics program, which allows you to earn a safe driving discount for every six months you remain accident-free.
Pros
Rideshare insurance available
Much lower-than-average number of consumer complaints with the National Association of Insurance Commissioners (NAIC)
Drivewise program rewards long-term safe driving behavior
Cons
Ranks below average on the J.D. Power 2024 U.S. Auto Claims Satisfaction Study
Very low customer review rating on the BBB website
Mobile app not as robust as some competitors
Nationwide: Best insurance company for low-mileage drivers
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /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. | $96/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. | $183/mo |
4.2
Best choice in OklahomaBased on 948 verified driver reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Oklahoma for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Showing recent national reviews - See all 512 Nationwide reviews
Edward
Verified Review
Loyalty means nothing
Reviewed in Pennsylvania on March 3, 2026
I have been with this insurance company for 50 years, and I feel like I've been overpaying the entire time. They never tried to save me money. It's a good idea to shop around and save money.
Thomas
Verified Review
Angry Loyal Customer
Reviewed in New York on February 28, 2026
Too expensive for a great and safe driver who drives 7,000 miles per year in a 15-year-old car!
Walter Mike
Verified Review
Fed up with high rates just because they can
Reviewed in North Carolina on February 24, 2026
I thought it was good until they started raising my rates for no good reason other than what they said: everyone is getting a rate increase. Which didn’t sit well. I’m a senior citizen with a perfect driving record; all other things they check are really good, and I've been with this same company and agent for over 20 years. Undoubtedly, that doesn’t mean much. So much for loyalty and being a long-time customer. So I’m doing something different.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
628NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.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
Infrequent drivers in Oklahoma may be able to save money with Nationwide’s pay-per-mile program, SmartMiles. This kind of usage-based insurance only asks you to pay for the miles you drive, which makes this a good fit for anyone who only goes short distances or only gets behind the wheel occasionally.
Pros
Offers 24/7 roadside assistance coverage add-on
Numerous bundling opportunities with other Nationwide products, including home and renters insurance
Accident forgiveness available
Cons
Below-average customer satisfaction scores from J.D. Power
Very low customer review rating on the BBB website
Some discounts and programs not available in all states
Our editorial team analyzed regional and national auto insurance companies that sell policies in Oklahoma to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Oklahoma
You can use several strategies to help you find the best Oklahoma auto insurance for your needs. When looking for a new auto insurance policy in the Boomer State, follow these steps to find the right coverage at the best price.
Consider how much coverage you need
Oklahoma drivers legally have to carry the state-minimum auto coverage, which includes bodily injury liability and property damage liability coverage. But the minimum coverage may not provide enough financial protection in the event of an at-fault accident.
You may want to increase the liability coverage level above the state minimum and add other types of coverage to your policy.[2] Determining the appropriate level of coverage for your needs can help you find the policy and price that works for you. For example, a full-coverage car insurance policy is a much more comprehensive option.
Compare quotes
Each car insurance company uses different factors to set insurance rates. This means two drivers with similar driving records, vehicles, and even coverage types may receive different insurance rates from the same company due to individual rating factors, such as driving record, age, location, gender, marital status, and credit history.
Getting multiple quotes from different insurance companies is the best way to secure the best rate for coverage that meets your needs.
Read policyholder reviews
One of the best ways to determine whether an insurance company will be a good fit is to see what policyholders have to say about their experience with the insurer. You can check insurance company reviews on websites like the BBB and Trustpilot.
Check the insurer’s scores and ratings
Third-party scoring and ratings are another way to gauge what to expect from an insurance company. J.D. Power publishes annual studies of customer satisfaction and claims satisfaction in the auto insurance industry, AM Best rates the financial stability of insurance companies, and the National Association of Insurance Commissioners (NAIC) aggregates complaints against insurance companies each year.
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Average cost of car insurance in Oklahoma
The average rate of car insurance in Oklahoma is $80 per month for liability coverage and $155 per month for full-coverage insurance. For comparison, the national monthly average premiums are $99 for liability and $173 for full coverage.
Average car insurance rates have increased in recent years, with a total projected increase of 33% in Oklahoma during 2024, according to an Insurify auto insurance report.
Insurance premium fluctuations are common, which is why you should plan on comparing insurance quotes before policy renewal to ensure you have the best price for the coverage you need.
Best car insurance in Oklahoma FAQs
If you’re looking for the best auto insurance rate in Oklahoma, the following information can help answer your remaining questions.
How much is car insurance in Oklahoma?
On average, Oklahoma drivers pay $80 per month for liability coverage and $155 for full-coverage auto insurance, Insurify data shows. The overall average cost of car insurance in the state is $136 per month.
What are the best car insurance companies in Oklahoma?
While the best coverage and auto insurance rate for any Oklahoman will vary, some of the best insurance companies in the Sooner State include State Farm, USAA, GEICO, Allstate, and Nationwide. To find cheap car insurance rates, you should compare quotes from multiple insurers.
What is the required auto insurance coverage amount in Oklahoma?
Oklahoma requires all drivers to carry $25,000 per person in bodily injury liability, $50,000 per accident in bodily injury liability, and $25,000 per accident in property damage liability coverage.[3] You may want to opt for more than the state-minimum bodily injury and property damage coverage requirements in Oklahoma and opt into optional coverages like collision and comprehensive insurance.
Likewise, Oklahoma insurers are required to offer uninsured motorist coverage at the same state minimum levels as liability coverage, but policyholders can decline it via a waiver.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Oklahoma Insurance Department. "A Guide to Dealing with Auto Insurance & Accidents."
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Emily Guy BirkenInsurance and Personal Finance Writer
Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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 FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.