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.
3+ 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.
Mark FriedlanderSenior Director, Media Relations, 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.
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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.
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.
$51/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.
$88/mo
4.1
Best choiceBased on 11,523 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,130)
Heriberto
Verified Review
Okay handling accidents, but prices keep rising
Reviewed in New Jersey on August 2025
The policy prices keep increasing every 6 months, which is not good.
Nancy J
Verified Review
Did not let me know ahead of time this was going to happen.
Reviewed in Ohio on August 2025
They raised my auto insurance after 6 months and raised my home insurance after 1 year.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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
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.
$64/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.
$109/mo
4.9
Best choiceBased on 2,156 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,215)
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
Randall
Verified Review
USAA not recommended
Reviewed in Texas on August 2025
I had my debit card hacked, and the bank had to create a new account, which caused all of the autopayments to be rejected until I got a new card and account number. Since it was a hack used to purchase bitcoin, the bank fraud investigators took longer than normal to get everything switched over. Just about every company was great about the failed charge once they heard about the reason. Not USAA. They sent major emails the second the charge was rejected and kept piling on. I called them, and they were unapologetic and rude. I asked them if they kept track of how long a person has been a customer. They told me I had been a customer for 37 years. They could not have cared less and then started trying to intimidate me by asking if I was still active duty and needed to update their records with this info, which they had for 25 years. They have poor customer service and high rates. Not the company they used to be. They were the only company I left through the whole experience. I would not recommend them, especially after all of the fraud that has come out of the company in recent years.
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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
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.
$113/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.
$192/mo
3.9
A solid optionBased on 12,158 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,479)
Saranan
Verified Review
Geico is good, but could be better on pricing.
Reviewed in Florida on August 2025
My experience has been very good, but I wish I could lower my premiums. That is the reason I am looking to other companies.
Debbie
Verified Review
Don't Use Mercury
Reviewed in Georgia on August 2025
They helped when my previous carrier, Mercury, failed through no fault of mine. I had received a renewal email for the new coverage period and a payment processed email. I entered the correct expiration date myself online with their agent on the phone with me. The agency had been using my updated card for several months for my homeowners insurance.
I did not realize until the state sent a letter with a notice that I was driving without car insurance, resulting in a $25 fine.
This resulted in a lapse of coverage, my first since I started driving at 14. This will cost me $500+ over 5 years.
Deanna
Verified Review
Finding Low Rates
Reviewed in Texas on August 2025
I went in looking to lower my rate with the same coverage. Geico had the lowest. The only other one was USAA, and they were the same.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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
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.
$70/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.
$120/mo
3.9
A solid optionBased on 7,016 verified guest 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 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 For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,706)
Teresa
Verified Review
Rip off
Reviewed in Tennessee on August 2025
Priced fairly high to start, but the rates have kept going up with no added bonuses.
Michael
Verified Review
Top Rate
Reviewed in Texas on August 2025
Rates are too high, but they pay off quickly.
Kimberly
Verified Review
Easy to switch but watch out for increased payment
Reviewed in Texas on August 2025
I have had a good experience, except they increased my insurance by $80.00 after a 6-month policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.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
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.
$93/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.
$176/mo
4.3
Best choiceBased on 876 verified guest 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 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 For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (490)
Gary
Verified Review
High price
Reviewed in Pennsylvania on August 2025
Great coverage, but you pay for it.
Connie
Verified Review
Not on your side!
Reviewed in Washington on August 2025
Very slow on service. Their rates are astronomical, almost $400 a month for one car.
Joseph
Verified Review
Rapid Rate Increases
Reviewed in Virginia on August 2025
Significant rate increases despite no claims or changes in risk profile.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
628
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
A.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.
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.
Find Cheap Car Insurance in Oklahoma
Compare real quotes in minutes
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Based on 7,669+ reviews
4.8/5
Average cost of car insurance in Oklahoma
The average rate of car insurance in Oklahoma is $87 per month for liability coverage and $173 per month for full-coverage insurance. For comparison, the national monthly average premiums are $104 for liability and $184 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 $87 per month for liability coverage and $173 for full-coverage auto insurance, Insurify data shows. The overall average cost of car insurance in the state is $144 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.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
3+ 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.
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark FriedlanderSenior Director, Media Relations, 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.
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