Best Car Insurance in Oklahoma (2026)
State Farm, Progressive, and GEICO are some of the best car insurance companies in Oklahoma.
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4.7 / 518K reviews
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Writer: Lindsay FrankelInsurance Writer
Writer: Lindsay FrankelInsurance Writer
Qualifications:
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
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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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
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.
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Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Best car insurance companies in Oklahoma
The best car insurance company for you depends on your coverage needs and budget. To give you a place to start, Insurify analyzed 120+ auto insurance companies based on coverage, cost, discounts, customer satisfaction, and other ratings to choose the best companies for car insurance in Oklahoma.
State Farm: Best overall
| 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. | 9.3 /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. | $39/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. | $85/mo |
4.2
Best choice in OklahomaBased on 21,372 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Oklahoma for
Showing 33 reviews from Oklahoma driversSee all 8,234 State Farm reviews
Verified Review
Reviewed in Oklahoma on October 1, 2026
The only complaints I have with State Farm are: (1) the premium costs, and (2) the spreading lawsuits that could endanger the company’s future.
Verified Review
Reviewed in Oklahoma on September 20, 2026
Not good; it could be better. Insurance companies aren’t trying to lower your insurance for you. The more you pay, the better it is for them—that’s all they think about. If you shop for insurance every six months, you might get a better deal each time. That’s all I’ve got to say.
Verified Review
Reviewed in Oklahoma on September 9, 2026
I went to sign up for State Farm so I could set up automatic payments, but instead I found the form for uninsured motorists. I can’t get it to change to the policy I want, even though it’s right there on the screen. Then I tried to find where to set up auto pay, but it wants me to sign in and I don’t have a password.
JD Power
JD 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
State Farm offers some of the cheapest car insurance rates in Oklahoma, based on Insurify data. State Farm is also one of the top-rated companies in the Central region for customer satisfaction, according to JD Power. With its excellent ratings, low premiums, and multi-policy discounts, State Farm offers a balance between reliable coverage and value.
Pros
Can file claims on insurer’s mobile app
AM Best financial strength rating of A+ (Superior)
Save up to 30% with usage-based program
Cons
Gap insurance not available
Mixed customer service reviews
Fewer discounts than some competitors
Progressive: Best for teen drivers
| JD Power JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 638 |
|---|---|
| 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. | 8.7 /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. | $58/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. | $103/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Oklahoma for
Showing 31 reviews from Oklahoma driversSee all 9,217 Progressive reviews
Verified Review
Reviewed in Oklahoma on September 21, 2026
Misleading. Don’t assume what you’re told is exactly what you’ll get. Make sure you read the coverage before you sign. Misleading!
Verified Review
Reviewed in Oklahoma on August 31, 2026
Customer service has been very good, and it’s much cheaper.
Verified Review
Reviewed in Oklahoma on August 1, 2026
Dependable and reliable.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
Progressive is among the cheapest auto insurers in Oklahoma, based on Insurify data, and it offers low rates for teens. Plus, Oklahoma teen drivers may qualify for a teen driver discount after one year with Progressive and a good student discount for keeping at least a B average.
Progressive also offers free small-accident forgiveness to new customers, which is great for teens who are new to driving. And you can earn large-accident forgiveness by keeping a clean record with Progressive for five years.
Pros
Offers rideshare coverage
AM Best financial strength rating of A+ (Superior)
New customers save an average of $1,000-plus with bundling discount
Cons
Below-average JD Power customer satisfaction rating in the Central region
Mixed customer service reviews
Usage-based program may raise rates
USAA: Best for military
| 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. | $49/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. | $105/mo |
4.9
Best choice in OklahomaBased on 4,327 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Oklahoma for
Showing 8 reviews from Oklahoma driversSee all 1,726 USAA reviews
Verified Review
Reviewed in Oklahoma on April 29, 2026
Good coverage, excellent customer service.
Verified Review
Reviewed in Oklahoma on April 25, 2026
Excellent service but very pricey.
Verified Review
Reviewed in Oklahoma on March 28, 2026
I must say, honestly, I like the coverage. It's just not affordable for my budget, being that I'm a disabled widow of a veteran.
JD Power
JD 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
With eight military installations and 7.5% of the population being veterans, Oklahoma is home to many military families. If you’re in a military household, consider USAA for car insurance. The company offers affordable rates, especially for liability insurance, plus a discount for garaging your car on a military base. USAA also has the highest JD Power customer satisfaction rating in the Central region.
USAA offers rideshare coverage, new car replacement assistance, roadside assistance, and a usage-based program that saves you up to 30% for safe driving.
Pros
AM Best financial strength rating of A++ (Superior)
Offers discounts for completing a driving course
High JD Power claims satisfaction rating
Cons
Mixed customer service reviews
Available only to military members and families
Steep rate increase for SR-22 insurance
Mercury Insurance: Best for customer service
| User Reviews | 4.1 |
|---|---|
| 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. | 7.5 /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. | $60/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. | $134/mo |
4.1
Best choice in OklahomaBased on 677 verified driver reviews and ratings
Mercury's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
Based on analysis of verified reviews collected by Insurify
Best in Oklahoma for
Showing recent national reviewsSee all 333 Mercury reviews
Verified Review
Reviewed in California on October 18, 2026
I’d like to reduce the amount I pay for insurance each year.
Verified Review
Reviewed in California on October 12, 2026
It’s a bundle. The homeowner coverage is questionable, but the car insurance is good.
Verified Review
Reviewed in California on October 2, 2026
Excellent coverage, service, and rates.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
596
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.95
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
Mercury Insurance is among the most affordable auto insurance companies in Oklahoma, according to Insurify data. Mercury also has dedicated local agents across Oklahoma, 24/7 customer support, and guaranteed repairs at authorized auto repair shops. Mercury also has a Trustpilot rating of 4.4 stars (out of 5).
Pros
Several easy-to-earn payment discounts
Coverage for rideshare drivers
Generous discounts for bundling auto (14.5%) and home (15%)
Cons
Can’t start claims via mobile app
Fewer coverage add-ons than competitors
High rates for teen drivers
GEICO: Best for seniors and low-mileage drivers
| User Reviews | 4.1 |
|---|---|
| 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. | $78/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. | $158/mo |
4.1
Best choice in OklahomaBased on 21,035 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Oklahoma for
Showing 15 reviews from Oklahoma driversSee all 8,295 GEICO reviews
Verified Review
Reviewed in Oklahoma on October 15, 2026
Hassle-free.
Verified Review
Reviewed in Oklahoma on July 11, 2026
Great company, good coverage options, and fair, affordable rates!
Verified Review
Reviewed in Oklahoma on June 26, 2026
They were fine until they raised my rate from $83.00 to $143.00 just because I moved from AZ to OK. I'm 68 years old and have been driving since I was 16. Ridiculous.
JD Power
JD 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
In an auto insurance rate comparison conducted by the Oklahoma Insurance Department, GEICO offered the lowest quote for a 70-year-old, low-mileage driver in most Oklahoma cities, including Tulsa and Lawton. Insurify data shows GEICO has low average rates for drivers in their 70s, and the company offers a homeownership discount and a defensive driving course discount.
GEICO’s usage-based program, DriveEasy, also offers a discount based on certain driving behaviors, including distance driven and route regularity. The program may help seniors and low-mileage drivers save even more on their monthly premium.
Pros
Wide variety of discount opportunities
AM Best financial strength rating of A++ (Superior)
Above-average JD Power customer satisfaction rating in the Central region
Cons
Higher Oklahoma premiums than some competitors
Mixed customer service reviews
Gap insurance not available
How we chose the best car insurance companies in Oklahoma
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.
Average cost of car insurance in Oklahoma
The average monthly cost of Oklahoma car insurance is $83 for state-minimum coverage and $169 for full-coverage insurance. The average car insurance premium in Oklahoma is more affordable than the national average.
Multiple factors make Oklahoma’s car insurance costs lower than national averages. Oklahoma has relatively low minimum car insurance requirements, below-average auto mechanic labor rates, and an average commute time of just 22.4 minutes, which is well below the national average of 26.4 minutes.
But Oklahoma had the seventh-highest fatality rate among all states in 2024, with 18 deaths per 100,000 residents.[1] Oklahoma is also one of the worst states for wildfires, which drives up the cost of comprehensive coverage.
Compare Oklahoma Car Insurance Quotes
Minimum-coverage policies start as low as $39/mo.
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4.7 out of 5 based on 17,902 reviews
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How to get the best car insurance in Oklahoma
The best policy and insurer for you will depend on your unique driver profile and needs. But you can take some steps to ensure you find the best policy for you in Oklahoma:
Compare car insurance quotes
Shopping around for car insurance can save you hundreds of dollars annually, according to the Oklahoma Insurance Department. You can talk to an independent insurance agent or use an insurance comparison site to save time researching auto insurance companies.
Don’t reject uninsured motorist coverage
While Oklahoma law doesn’t require drivers to carry uninsured motorist (UM) coverage, insurers must offer it, and you must reject the coverage in writing if you don’t want it.[2] UM insurance covers your injuries and your passengers if an uninsured driver causes an accident. It also pays if you’re the victim of a hit-and-run accident. Since 12% of Oklahoma drivers don’t have auto insurance, according to Insurance Research Council data, it’s a good idea to keep this coverage.
Consider increasing your liability limits
Oklahoma uses a modified comparative negligence rule for car accident cases. That means if you’re more than 50% at fault for an accident, the other driver could sue you to recover damages that exceed your liability protection limits.[3] Oklahoma’s minimum-coverage limits are relatively low and may leave you with out-of-pocket costs if you’re responsible for an accident. Insurance professionals generally recommend liability limits of 100/300/100, according to the Oklahoma Insurance Department.[4]
Add comprehensive coverage
Oklahoma drivers are at risk from inclement weather and natural disasters. The state ranks No. 3 for major hail events and No. 4 for wildfires by number of fires and acres burned. Only comprehensive insurance protects against these risks. Consider choosing a lower deductible for this coverage given the risk of glass damage.
Bundle your home and auto insurance policies
Ask your insurance company or agent about multi-policy discounts for bundling your car insurance with your homeowners or renters insurance. You might also be eligible for other discounts, like low-mileage, safe driving, and good student discounts.
Best car insurance in Oklahoma FAQs
If you still need help finding reliable and cheap car insurance in Oklahoma, check out these questions Oklahoma drivers commonly ask about getting proof of insurance.
Why is Oklahoma car insurance so high?
Average auto insurance premiums in Oklahoma are slightly cheaper than the national average, but weather conditions significantly affect the cost of car insurance in the state. Oklahoma’s location at the center of Tornado Alley, its propensity for hailstorms, and its high risk of wildfires all affect the likelihood of future comprehensive claims. This leads to higher insurance premiums.
How do you get car insurance in Oklahoma?
You can get car insurance quotes directly from online insurance websites, work with an independent agent or broker, or use a quote-comparison site. If you can’t find coverage due to serious violations in your driving history, look into the Oklahoma Automobile Insurance Plan.
Should you bundle home and auto insurance in Oklahoma?
Bundling your home and auto insurance is a good way to get a discount on your Oklahoma car insurance policy. But you should always compare premiums, since you may find a better deal buying your auto and homeowners insurance from two separate companies.
What are the best car insurance options for young drivers in Oklahoma?
The best car insurance company for you will depend on factors beyond your age, like your coverage needs, driving history, and credit. On average, State Farm and Progressive have the cheapest car insurance rates for young drivers in Oklahoma, but it’s a good idea to compare customized quotes and check your eligibility for discounts.
Sources
- National Safety Council. "Motor-Vehicle Deaths by State."
- Oklahoma Insurance Department. "A Guide to Dealing With Auto Insurance & Accidents."
- State of Oklahoma. "Oklahoma Statutes, Title 23. Damages."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
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State Farm is the cheapest car insurance company in Ponca City, with a liability rate of $31 per month.
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Writer: Lindsay FrankelInsurance Writer
Writer: Lindsay FrankelInsurance Writer
Qualifications:
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
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.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
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.