120+ more){kind=small}
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
){kind=small}
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.
Updated
Discount Type | Maximum Advertised Savings |
|---|---|
| Accident prevention course | Savings vary, but insurers in OK must provide a discount for three years |
| Accident-free safe driving | 33% on average with Progressive, up to 22% with GEICO |
| Affinity | 23% on average with Farmers GroupSelect |
| Anti-lock breaks | 5% with GEICO |
| Anti-theft | Varies by insurer |
| Auto pay | Varies by insurer |
| Continuous insurance | Varies by insurer |
| Deployed driver | Up to 25% with GEICO |
| Driver training | Varies by insurer |
| Early shopper | Varies by insurer |
| Good credit history | Varies by insurer |
| Good student | Up to 25% with State Farm, up to 15% with GEICO |
| Homeowner | Varies by insurer |
| Low mileage | Varies by insurer |
| Loyalty | Varies by insurer |
| Military | Up to 15% with GEICO, up to 14% with Direct Auto |
| Multi-car | Up to 25% with Allstate and GEICO |
| Multi-policy | 20% on average with Allstate, 10% or more with Farmers |
| Online quote | 7% on average with Progressive |
| Paid in full | Varies by insurer |
| Paperless | Varies by insurer |
| Passive restraint | Up to 40% on medical-related coverage with State Farm |
| Student away at school | Varies by insurer |
| Usage-based | Up to 30% with State Farm and Allstate |
| VIN etching | Varies by insurer |
State Farm, Allstate, and Progressive are among the best Oklahoma car insurance companies. Each advertises a wide range of car insurance discounts available to Oklahoma 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. | 9.3 /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 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
State Farm may appeal to Oklahoma families with young drivers. If your student gets good grades, you can save up to 25% with the company’s good student discount. Drivers younger than 25 may qualify for additional savings by completing the company’s Steer Clear Safe Driver program.
The Drive Safe & Save program offers up to 30% off based on your driving habits. You can save even more by bundling.
Cheap full-coverage rates in Oklahoma
Available rideshare, roadside assistance, and rental reimbursement add-ons
Bundling auto coverage with another policy saves even more
No listed accident forgiveness
Gap insurance available only if you finance your car through State Farm Bank
Must work with an agent to buy coverage
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/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. | $190/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Allstate offers several discounts for Oklahoma drivers seeking safe-driving and multi-car savings. Its Drivewise program offers up to 30% in savings for safe driving, and you can save up to 25% by insuring more than one vehicle. The company says you can save an average of 20% on your premium by bundling your home and auto insurance.
Available accident forgiveness
Drivewise program sign-up offers immediate savings
Roadside assistance and extended vehicle care add-ons
Full-coverage rates are 15% higher than the state average
Drivewise requires sharing driving data
Potential savings not shown for every discount
| JD Power J.D. 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. | $56/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. | $94/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive gives Oklahoma drivers several ways to save beyond maintaining a clean driving record. You can save money by getting a car insurance quote online, carrying continuous coverage, going paperless, enrolling in electronic payments, or owning a home. Safe drivers can also qualify for discounts after three and five years without an accident.
Low rates for Oklahoma drivers with an accident
Many available discounts
Snapshot program saves $328, on average
High-risk driving with Snapshot can raise your rate
Must purchase directly through Progressive for maximum safe-driver discount
No traditional gap insurance
Insurers submit their auto insurance rates to the Oklahoma Insurance Department (OID) for approval. Few companies publish Oklahoma-specific discount amounts, and your savings can vary by insurer. For example, Progressive advertises only a general estimate of how much Oklahoma drivers might save by switching.
The table below compares common Oklahoma car insurance discounts, how much you could save, who qualifies, and which insurer offers the largest discount.
Discount Type | Potential Savings | Eligibility Criteria | Oklahoma Insurer with Largest Discount |
|---|---|---|---|
| Accident prevention course | Varies by insurer | Finish a six-hour approved course | All Oklahoma insurers |
| Accident-free safe driving | Up to 33% | Three years without an at-fault accident or violation | Progressive |
| Affinity and group membership | 23% on average | Employees and members of partner organizations | Farmers |
| Bundling home and auto coverage | 20% on average | Buy home and auto coverage from the same insurer | Allstate |
| Deployed driver | Up to 25% | Active-duty deployment to a designated area | GEICO |
| Good student | Up to 25% | Full-time student with a 3.0 grade average or top 20% class rank | State Farm |
| Military | Up to 15% | Active duty, retired, National Guard, or Reserves | GEICO |
| Multi-car | Up to 25% | Insure more than one car with the same company | Allstate, GEICO |
| Usage-based telematics | Up to 30% | Enroll and share driving data through an app or device | State Farm, Allstate |
Progressive advertises the largest single discount, with safe drivers paying an average of 33% less after three years without an accident or violation.
State Farm and Allstate offer savings up to 30% through their telematics programs. Allstate and GEICO also offer multi-car discounts of up to 25%.
Insurify partners with 120+ top insurers for real-time quotes
Some Oklahoma car insurance discounts are fairly easy to get because they require little more than a clean driving record or a change to how you pay your bill. For example, Progressive and GEICO offer discounts for paperless billing or automatic payments.
Safe-driver and accident-free discounts are also within reach for many Oklahoma drivers. At least 92% of drivers in the state have neither a ticket nor an accident on their records, according to Insurify data.
Oklahoma also has an accident prevention course discount that’s unusual because it doesn’t depend on your driving history. Drivers who voluntarily complete an approved six-hour course can qualify, and state law requires all insurers in Oklahoma to offer the discount.[1]
Discount | Potential Savings | How to Qualify |
|---|---|---|
| Accident prevention course | Varies by insurer | Finish an approved six-hour course |
| Accident-free safe driving | 33% | Drive three years without an at-fault accident |
| Automatic payments and pay in full | Varies by insurer | Enroll in auto pay or pay the full premium up front |
| Multi-car | Up to 25% | Insure a second vehicle with the same company |
| Paperless billing and electronic funds transfer | Varies by insurer | Change billing preferences in your online account |
Oklahoma requires insurers to provide a discount for drivers who complete an approved accident prevention course. The discount applies for three years.
To qualify for the discount, the accident prevention course must include at least six hours of instruction. You must complete the course voluntarily, and not as a court-ordered mandate.
You can remain eligible for the discount by completing an approved course every three years.
You can often save more by combining discounts and reviewing the parts of your policy that affect auto insurance rates:
Renew the accident prevention discount. Take an approved course every three years to maintain the discount.
Review your coverage. About 69% of Oklahoma drivers own their vehicles outright, according to Insurify data. If yours is older and not worth much, it’s worth assessing whether you still need comprehensive coverage and collision coverage.
Improve your credit. In Oklahoma, drivers with excellent credit pay about 30% less for full coverage than drivers with poor credit, according to Insurify data.
Stack discounts. Pair safe-driving, multi-car, bundling, and billing discounts when your insurer allows it.
Report low mileage. Drivers in Oklahoma average 9,391 miles per year, according to Insurify. Ask your insurer if your annual mileage qualifies for a low-mileage discount.
Your insurer will automatically apply some Oklahoma car insurance discounts once it has the right information. Other discounts require proof or enrollment, and each company handles the process a little differently.
Ask for a discount review. The OID suggests verifying that your insurer has applied every discount you qualify for.
Send required documents. Some discounts, such as State Farm’s accident prevention course discount, require that you submit a completion certificate.
Update your policy details. Adding a vehicle to your policy, moving, or driving fewer miles could qualify you for new discounts.
Enroll in optional programs. Telematics programs require you to sign up to take advantage of potential savings.
Check quotes from 120+ top insurance companies
Oklahoma car insurance costs drivers an average of $83 per month for liability coverage and $169 per month for full coverage. These rates are both below the national averages.
Rates in Oklahoma have increased considerably in recent years. Even so, Insurify projects Oklahoma’s full-coverage costs will drop by about 3% by the end of 2026.
This means cheap car insurance in Oklahoma may be easier to find in 2027. In contrast, Insurify projects national costs will rise 1% by the end of 2026.
The table below compares average liability and full-coverage rates from various Oklahoma insurers.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $39 | $85 |
| USAA | $49 | $105 |
| Progressive | $56 | $94 |
| Mercury | $61 | $134 |
| The General | $65 | $190 |
| National General | $66 | $138 |
| AssuranceAmerica | $75 | $138 |
| Safeco | $76 | $154 |
| GEICO | $79 | $159 |
| Bristol West | $81 | $198 |
| Farmers | $83 | $179 |
| Root | $89 | $145 |
| GAINSCO | $94 | $269 |
| Direct Auto | $103 | $199 |
| Allstate | $105 | $190 |
| Shelter | $116 | $252 |
| CSAA | $130 | $184 |
| Liberty Mutual | $135 | $226 |
Oklahoma requires all drivers to carry bodily injury liability and property damage liability coverage.[3] Various discounts can help lower your auto insurance rate. See the answers below to frequently asked questions about Oklahoma car insurance discounts.
The OID lists discounts for anti-theft devices, good grades, driver education courses, no history of filing a claim, credit history, and bundling another policy with the same insurer.
Insurance rates have risen in recent years due to inflation and higher labor and repair costs, according to the OID.[2] Even so, at $169 per month on average, full coverage in Oklahoma still costs less than the national average of $187 per month.
State Farm has the cheapest Oklahoma rates, at $39 per month for liability coverage. But rates vary by insurer, and it pays to shop around. The cheapest company for you also depends on your driving history, age, location, and coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
)
)
)
)
)
)
)
)
)
)
)
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
