Best Car Insurance Companies in Oklahoma 2023 | Quotes, Discounts

Drivers in the Sooner State need car insurance they can rely on. Not only is it required by law, but it’s also necessary to protect Oklahomans’ finances. Unfortunately, auto insurance in Oklahoma can be costly. According to Insurify’s proprietary data, Oklahoma drivers pay an average of $203 per month for car insurance, just 10 percent less than the national average.

But every insurance company in Oklahoma determines premiums a little differently, so you can save money if you compare customized quotes for different policies. Insurify makes it easy to view quotes from multiple companies in one spot. After you answer some basic questions, you’ll be able to quickly locate the best deal in car insurance.

Best Car Insurance Companies 2022

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

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

Top Car Insurance Companies: Find the Right One for You

After using Insurify to pin down the cheapest Oklahoma car insurance that meets your coverage needs, you can check your results against our list of the most reputable auto insurance companies in Oklahoma.

1

Clearcover

Clearcover is a fintech startup providing affordable auto insurance rates to residents of a handful of states. The company only sells auto insurance policies, so bundling is not an option. Clearcover aims to provide an entirely digital process with a robust mobile app and outstanding customer service to policyholders.

Clearcover’s policies are subsidiaries of Fortegra, which has an A- (Excellent) financial strength rating from A.M. Best. The company was not rated in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study.

Clearcover doesn’t offer explicit discounts, but the company does use your information to give you the lowest possible car insurance rates. In other words, discounts are baked into the company’s low premiums.

Insurance premiums from Clearcover can vary based on your age, credit score, and driving record. For example, applicants with a DUI on their record will receive higher car insurance quotes. Here’s what you can expect.

2

Safeco

Safeco is a provider of Oklahoma auto insurance that offers both standard coverage that meets the state minimum insurance requirements and add-ons like 24-hour roadside assistance. Safeco has an A (Excellent) financial strength rating from A.M. Best but ranked slightly below average in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study.

Top discounts that the company offers include:

• Claims-free cash-back up to 5 percent per year

• Diminishing deductible for maintaining a clean driving record

• RightTrack: save up to $513 per year for safe driving

Annual premiums at Safeco are lower than at some other companies, but average rates vary for different groups. For example, teen drivers and Oklahomans with violations in their driving history will pay more for car insurance.

3

Liberty Mutual

Liberty Mutual doesn’t offer the cheapest auto insurance on average, but the company has more coverage policy options than other insurers. Liberty Mutual offers required coverages like property damage liability and bodily injury liability in addition to comprehensive and collision insurance. There are also some unique options, such as teacher car insurance.

Liberty Mutual has an A (Excellent) financial strength rating from A.M. Best but was ranked below average in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study.

Top discounts that the company offers include:

• Homeowner discount

• Student discounts

• Safe driving discounts

• Multi-policy discount

• Multi-vehicle discount

• Payment discounts

Liberty Mutual reserves its lowest rates for safe drivers. High-risk drivers, young drivers, and drivers with poor credit will pay higher premiums for the same coverage limits. Here’s what you can expect.

4

Travelers

Travelers offers some of the most affordable car insurance rates in Oklahoma. You can get liability insurance from the company that meets state requirements as well as full-coverage auto insurance and uninsured motorist coverage. Travelers also offers optional coverages such as loan/lease gap insurance and roadside assistance.

Travelers has an A++ (Superior) financial strength rating from A.M. Best but was ranked below average in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study.

Top discounts that the company offers include:

• Driver training discount

• Student discounts

• Homeowner discount

• Multi-policy discount

• Multi-vehicle discount

• Payment discounts

Travelers reserves its best rates for safe drivers and people with good credit. Here’s what you can expect on average.

5

Mercury

Mercury Insurance offers 24/7 claims service and plenty of coverage options, from minimum coverage to ride-sharing coverage. Rates are affordable, and it’s easy to manage your policy online or through the mobile app. Mercury has an A (Excellent) financial strength rating from A.M. Best but was ranked below average in the J.D. Power 2020 U.S. Auto Claims Satisfaction Study.

Top discounts that the company offers include:

• Good driver discount

• Payment discounts

• Student discounts

• Multi-policy discount

• Multi-car discount

Mercury offers the following average premiums:

6

Bristol West

Bristol West offers all the standard coverages in addition to rideshare coverage and other add-ons. The company provides you with 24/7 online access to manage your policy. Bristol West has an A- (Excellent) financial strength rating with A.M. Best but was not rated in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study.

Top discounts that the company offers include:

• Payment discounts

• Homeowner discount

• Student discounts

• Good driver discounts

• Accident forgiveness

Here’s what drivers in the following categories can expect to pay on average:

Average Monthly Cost of Car Insurance in Oklahoma

Your individual auto insurance rate will also vary depending on where you live in Oklahoma. Here’s what residents pay on average in several cities.

How to Determine the Best Car Insurance Company for Yourself

Whether you drive a Toyota or a Tesla, you need car insurance you can count on in Oklahoma. Luckily, it’s easy to find the best rate by comparing customized quotes with Insurify. You’ll just need to answer a few questions about your vehicle and driving history, and our artificial intelligence technology will do the rest.

You’ll be able to view quotes from national companies like Allstate and GEICO alongside local and non-standard providers. You can even toggle between coverage limits and deductible amounts until you find a policy that fits your budget. Insurify will even factor in some of the discounts you may be eligible for and allow you to get a rate estimate for rideshare coverage.