Cheapest Auto Insurance in Oklahoma (2024)
State Farm has the cheapest liability insurance in Oklahoma, with a monthly rate of $30.
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Written byMark Vallet
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Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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Reviewed byMark Friedlander
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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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Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Drivers in Oklahoma face rates similar to the U.S. average. Full-coverage car insurance in Oklahoma costs an average of $180 per month, which slightly exceeds the national average of $204. A liability-only policy in the Sooner State costs $86 per month, which is a bit lower than the national average of $104.
Frequent severe weather may account for the higher full-coverage premiums in Oklahoma, which is in Tornado Alley. Tornadoes can cause massive damage to vehicles, leading to higher rates.
Here’s what you need to know about comparing quotes and finding cheap car insurance in Oklahoma.
Quick Facts
State Farm, USAA, and Allstate are the cheapest insurers in Oklahoma.
Oklahoma is an at-fault state, which means a driver responsible for an accident must cover the other party’s resulting damage and injury.
The overall average cost of car insurance in Oklahoma is $133 per month.
3 of the cheapest car insurance companies in Oklahoma
State Farm, USAA, and Allstate are three of the cheapest insurers in Oklahoma.
Because rates vary by driver, you should always expand your search to compare quotes from multiple insurers. While these three insurers have the lowest average premiums in Oklahoma, that doesn’t guarantee they’ll have the cheapest rates for you. Consider your coverage needs, budget, and driving record when looking for the best coverage.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $64 | $30 | Teen drivers |
| USAA | 9.4 | $79 | $37 | Military families |
| Allstate | 8.9 | $87 | $41 | Safe drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for teen drivers: State Farm
| 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. | $30/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. | $64/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 sells a variety of insurance products, including vehicle, property, business, and personal coverage. Notably, the company offers discounts aimed at teens, including its student-away-at-school, driver training, and good student discounts. Teen drivers face some of the highest car insurance rates, so discounts catered to young drivers can help cut costs.
Pros
Young drivers can save with the Steer Clear program
Largest insurer in the country
Cons
Fewer discounts than some competitors
Doesn’t offer accident forgiveness
Best insurer for military families: USAA
| 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. | 9.4 /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. | $79/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 has five military facilities and thousands of military personnel. USAA has affordable coverage and solid claims and customer satisfaction ratings. The company is an excellent choice for current and former military members and their families.
Pros
Excellent J.D. Power customer satisfaction ratings
Drivers can save up to 30% with the SafePilot program
Cons
Membership limited to military members and families
Doesn’t offer gap insurance
Best insurer for safe drivers: Allstate
| 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. | 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. | $41/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. | $87/mo |
4.0
Best choiceBased on 5647 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
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 initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
Your driving record is one of the most important factors insurers consider when setting a premium. Allstate offers a variety of savings and rewards for drivers with a clean record. The Drivewise program allows you to earn a safe driving discount for every six months you remain accident-free.
Pros
Offers rideshare insurance
AM Best financial strength rating of A+ (Superior)
Cons
Some customer service complaints online
Mobile app not as robust as some competitors
How to get the cheapest car insurance in Oklahoma
Car insurers consider several factors when setting your premium, including your age, gender, driving history, ZIP code, and credit score.
Here are a few tips for finding the cheapest car insurance in the state of Oklahoma:
Shop around. Insurance companies assess your risk factors differently, so premium quotes can vary. Compare quotes from at least five different insurers, and make sure to look at the same coverage levels and deductibles.
Look for discounts. Insurers offer plenty of discounts, so make sure you know which ones you may qualify for. Common discounts include rewards for bundling coverages, remaining accident-free, and setting up auto pay.
Raise your deductible. Increasing your deductible will lower your premium, but you’ll have to pay more in the event of an accident. Always set a deductible you can afford to pay if you need to file a claim.
Find Cheap Car Insurance in Oklahoma
Liability quotes in Oklahoma start at $30 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Oklahoma: State Farm
Oklahoma law requires all drivers to carry liability insurance. Liability-only insurance will pay for the other parties’ legal and medical bills related to injuries and damages when you cause a car accident, but it won’t cover your own injuries and damages. Carrying liability-only coverage is a good idea if your vehicle is older and you would replace it after an accident instead of having it repaired.
In Oklahoma, liability-only insurance costs an average of $86 per month. Here are the cheapest insurance companies in Oklahoma for liability-only coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $30 |
| USAA | $37 |
| Allstate | $41 |
| Mercury | $58 |
| GEICO | $59 |
| Farmers | $63 |
| Root | $70 |
| Progressive | $72 |
| National General | $74 |
| CSAA | $76 |
| Safeco | $81 |
| Direct Auto | $86 |
| Clearcover | $86 |
| Shelter | $88 |
| The General | $99 |
| GAINSCO | $107 |
| Bristol West | $134 |
| Foremost | $138 |
| Liberty Mutual | $162 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Oklahoma: State Farm
Full-coverage insurance includes liability, collision, and comprehensive insurance, protecting your assets and your vehicle. Collision insurance will cover the costs of repairing your vehicle after an accident or collision with an object. Comprehensive coverage protects against damage from perils such as severe weather, theft, vandalism, and more.
Full-coverage car insurance in Oklahoma costs $180 per month, on average.
The following insurers are the cheapest options for full-coverage insurance in Oklahoma.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $64 |
| USAA | $79 |
| Allstate | $87 |
| GEICO | $126 |
| Farmers | $134 |
| Progressive | $134 |
| Root | $135 |
| Mercury | $141 |
| CSAA | $150 |
| National General | $158 |
| Direct Auto | $166 |
| Safeco | $168 |
| Clearcover | $174 |
| Shelter | $189 |
| The General | $212 |
| GAINSCO | $265 |
| Liberty Mutual | $284 |
| Foremost | $287 |
| Bristol West | $304 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Oklahoma
Oklahoma drivers must carry a minimum amount of car insurance to drive legally in the state. The minimum liability requirements offer protection if you cause an accident that injures the other driver or causes property damage. You need to carry the following amounts of bodily injury and property damage liability in Oklahoma:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Liability insurance doesn’t cover your vehicle or injuries, so you need to consider buying additional coverages to pay for your damages. Here’s a quick overview of some optional coverages you may want to add to your policy:
Collision coverage
Collision insurance will pay to repair your vehicle after a collision with another vehicle or object, regardless of fault. This coverage comes with a deductible that you must pay in the event of a claim.
Comprehensive coverage
Comprehensive insurance can cover vehicle damage from non-collision incidents, such as fire, flooding, theft, vandalism, and more. This coverage also requires a deductible.
Medical payments coverage
In the event of an accident, medical payments coverage can pay for your and your passengers’ medical bills, regardless of fault.
Cheapest car insurance for drivers with an incident
Insurers consider your driving record when determining your premium. If you have incidents on your record, such as speeding tickets or at-fault accidents, you’ll pay more for coverage.
If you have a DUI charge on your record, you’ll pay a much higher premium due to the severity of the offense.[2]
How much you pay will depend on the frequency and severity of your incidents. On average, Oklahoma drivers with an incident on their record pay $113 per month for liability insurance and $236 for full-coverage insurance.
Cheapest recent rates in Oklahoma
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $89/mo for full coverage in Oklahoma.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets on your driving record are a red flag for insurance companies, so you’ll likely pay a higher premium. In 2021, speeding played a role in 28% of fatal car crashes, 13% of injury crashes, and 9% of property-damage-only crashes, according to the National Highway Traffic Safety Administration (NHTSA).[3]
The cost of car insurance for drivers with a speeding ticket in Oklahoma is $127 per month for liability coverage and $265 for full-coverage insurance.
Compare quotes from some of the cheapest Oklahoma insurers for drivers with a clean record and people with a past speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $30 | $40 |
| USAA | $37 | $49 |
| Allstate | $41 | $55 |
| Mercury | $58 | $83 |
| GEICO | $59 | $79 |
| Farmers | $63 | $84 |
| Root | $70 | $100 |
| Progressive | $72 | $95 |
| National General | $74 | $99 |
| CSAA | $76 | $103 |
| Safeco | $81 | $110 |
| Direct Auto | $86 | $115 |
| Clearcover | $86 | $115 |
| Shelter | $88 | $122 |
| The General | $99 | $135 |
| GAINSCO | $107 | $153 |
| Bristol West | $134 | $180 |
| Foremost | $138 | $198 |
| Liberty Mutual | $162 | $232 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you have an at-fault accident on your driving record, your insurer will charge a higher rate because you pose a bigger risk of filing a future claim. The rate increase will vary depending on your other personal risk factors, as well as the severity of the accident.
Drivers with an at-fault accident in Oklahoma pay an average of $127 per month for liability coverage.
The following chart shows the state average premium increase for drivers with an accident on their record compared to drivers with a clean record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $30 | $41 |
| USAA | $37 | $51 |
| Allstate | $41 | $56 |
| Mercury | $58 | $85 |
| GEICO | $59 | $81 |
| Farmers | $63 | $86 |
| Root | $70 | $103 |
| Progressive | $72 | $100 |
| National General | $74 | $102 |
| CSAA | $76 | $108 |
| Safeco | $81 | $110 |
| Direct Auto | $86 | $121 |
| Clearcover | $86 | $127 |
| Shelter | $88 | $126 |
| The General | $99 | $139 |
| GAINSCO | $107 | $141 |
| Bristol West | $134 | $184 |
| Foremost | $138 | $202 |
| Liberty Mutual | $162 | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is a serious moving violation that will result in a major increase to your insurance premium. In most cases, you’ll pay a higher rate for years. Shopping around for your insurance coverage and taking a defensive driving course may help you find lower rates.
People in Oklahoma with a DUI pay a monthly average of $144 for a liability-only policy. The table below shows the cheapest car insurance companies for drivers in Oklahoma with a DUI on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | Has DUI ▲▼ |
|---|---|---|
| State Farm | $30 | $50 |
| USAA | $37 | $62 |
| Allstate | $41 | $68 |
| Mercury | $58 | $89 |
| GEICO | $59 | $98 |
| Farmers | $63 | $105 |
| Root | $70 | $104 |
| Progressive | $72 | $120 |
| National General | $74 | $123 |
| CSAA | $76 | $114 |
| Safeco | $81 | $125 |
| Direct Auto | $86 | $143 |
| Clearcover | $86 | $143 |
| Shelter | $88 | $146 |
| The General | $99 | $165 |
| GAINSCO | $107 | $178 |
| Bristol West | $134 | $223 |
| Foremost | $138 | $230 |
| Liberty Mutual | $162 | $270 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Your age plays a role in how much you pay for car insurance. Senior drivers pay a bit more for car insurance once they move into their 70s due to age-related risk factors, such as vision and hearing loss, slowing reflexes, and other health or medication issues.
Liability-only coverage for seniors in Oklahoma costs $63 per month, on average. Check out affordable car insurance options for seniors in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $22 | $47 |
| USAA | $28 | $59 |
| Allstate | $31 | $66 |
| Mercury | $43 | $105 |
| GEICO | $44 | $94 |
| Farmers | $46 | $98 |
| Progressive | $49 | $90 |
| National General | $53 | $113 |
| CSAA | $54 | $108 |
| Root | $55 | $107 |
| Shelter | $60 | $129 |
| Direct Auto | $63 | $122 |
| Safeco | $65 | $135 |
| Clearcover | $70 | $141 |
| The General | $76 | $162 |
| GAINSCO | $85 | $209 |
| Bristol West | $101 | $229 |
| Foremost | $104 | $216 |
| Liberty Mutual | $128 | $225 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers pay some of the highest premiums for car insurance due to a lack of driving experience. Statistics show that teenagers have a higher likelihood than older drivers of having an accident and filing a claim.
Young drivers between 15 and 20 made up 5% of licensed drivers but accounted for 8.4% of all drivers involved in fatal crashes in 2021, according to data from the National Highway Traffic Safety Administration (NHTSA).[4]
Teen drivers in Oklahoma pay $174 per month, on average, for a liability policy. Car insurance for teenagers is expensive, but you can save by earning a good student discount, joining a parent’s existing policy, and setting a high deductible.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $56 | $120 |
| USAA | $68 | $145 |
| Allstate | $80 | $169 |
| GEICO | $104 | $221 |
| Mercury | $112 | $272 |
| Root | $116 | $223 |
| Farmers | $120 | $256 |
| CSAA | $134 | $265 |
| Progressive | $138 | $257 |
| National General | $158 | $337 |
| Shelter | $161 | $345 |
| Safeco | $169 | $351 |
| Direct Auto | $171 | $330 |
| Clearcover | $172 | $348 |
| The General | $173 | $370 |
| GAINSCO | $202 | $500 |
| Bristol West | $247 | $561 |
| Foremost | $267 | $556 |
| Liberty Mutual | $304 | $533 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Oklahoma car insurance quotes by credit tier
Most states allow insurance companies to consider your credit-based insurance score when setting your car insurance rate. If you have a poor credit score, you’ll likely pay more for coverage. Statistics show that drivers with poor credit tend to file more claims, so insurers charge them a higher premium compared to drivers with excellent or good credit.
Oklahoma allows insurers to consider your credit history with some restrictions. Insurers can’t use it as the only factor they consider or use a lack of credit as a reason to deny coverage.[5]
Here are the average monthly full-coverage insurance premiums based on your credit tier in Oklahoma.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Oklahoma car insurance FAQs
Before you start shopping for auto coverage, you should determine how much insurance you need. The following information can help you navigate the process of finding cheap coverage in Oklahoma.
How much is car insurance in Oklahoma?
The overall cost of car insurance in Oklahoma is $133 per month. Drivers in the state pay $86 for liability insurance and $180 for full-coverage insurance, on average. Ultimately, your premium will depend on your driving record, age, ZIP code, and more.
Who has the cheapest car insurance in Oklahoma?
State Farm has the cheapest liability car insurance in Oklahoma, with a monthly cost of $30. The second-cheapest insurer in the state, USAA, has a rate of $37 per month. With a cost of $41, Allstate is another cheap car insurance option. The best way to find cheap coverage is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Oklahoma?
With a high Insurify Quality (IQ) Score of 9.3 out of 10, an AM Best financial strength rating of A++ (Superior), and customizable coverage options, State Farm is the best car insurance company in Oklahoma. Drivers pay $30 per month for liability insurance and $64 for full-coverage insurance from State Farm in Oklahoma, on average. Other top insurers include Allstate and USAA.
What is the state minimum insurance required in Oklahoma?
Oklahoma drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
Is Oklahoma a no-fault state for car insurance?
No. Oklahoma is an at-fault state. This means that the driver who causes an accident must cover the other driver’s resulting medical expenses and vehicle repairs.
Insurify Insights
How Oklahoma Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Oklahoma below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Oklahoma drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Oklahoma
#25
State with the Most Speeding Tickets Rank
#29
State with the Moving Violations Rank
#38
State with the Most DUIs Rank
#10
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Oklahoma is the #35 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #35
- Percent of drivers in Oklahoma with an accident: 7.8%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oklahoma is the #38 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #38
- Percent of drivers in Oklahoma with a DUI: 1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Oklahoma is the #27 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #27
- Percent of drivers in Oklahoma with a reckless driving offense: 1.3%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Oklahoma is the #26 state in the country for drivers with a rude driving violation on record.
- Rank among states: #26
- Percent of drivers in Oklahoma with a rude driving violation: 1.5%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Oklahoma is the #25 state in the country for drivers with a speeding ticket on record.
- Rank among states: #25
- Percent of drivers in Oklahoma with a speeding ticket: 8.6%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oklahoma is the #39 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #39
- Percent of drivers in Oklahoma with a failure to yield violation: 0.1%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Oklahoma
Sources
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Highway Traffic Safety Administration. "Traffic Safety Facts 2021 Data: Speeding."
- National Highway Traffic Safety Administration. "Traffic Safety Facts 2021 Data: Young Drivers."
- Justia. "2022 Oklahoma Statutes Title 36. Insurance §36-953. Use of credit information - Prohibited acts.."
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Mark Vallet
Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
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.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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