Cheapest Car Insurance Quotes in Oklahoma
State Farm is the cheapest insurer in Oklahoma, on average, with liability policies averaging $39 per month.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Chris KissellInsurance, Personal Finance Writer
Writer: Chris KissellInsurance, Personal Finance Writer
Chris Kissell is a Denver-based writer and editor whose work focuses on personal finance, insurance and health issues. His work has been featured in Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate, Money Talks News, and more.
)
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
)
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.
)
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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
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.
Oklahoma car insurance at a glance
Cheapest car insurance company in Oklahoma: State Farm
Cheapest car insurance rate in Oklahoma: $39
Average monthly liability-only car insurance cost in OK: $83
Average monthly full-coverage car insurance cost in OK: $169
Cheapest car insurance quotes in Oklahoma
State Farm, USAA, and Progressive offer the cheapest liability car insurance in Oklahoma, on average.
To identify the companies offering the cheapest car insurance in Oklahoma, Insurify analyzed quotes from 120+ insurers. Here, you can see the average coverage rates offered by the cheapest 10 insurers for Oklahoma drivers between 20 and 70, with a clean driving record and good-to-excellent credit history.
The below rates in Oklahoma are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly 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 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Best-rated insurance companies in Oklahoma
The best insurer for you will depend on several factors. That’s why it’s important to compare quotes from at least three to five insurers before making a decision. Below, you’ll find four insurers that stand out for their offerings to certain driver groups. Keep them in mind if those offerings apply to you.
Best for full coverage: State Best for minimum coverage: 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. | 9.1 /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 4,443 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 1,729 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
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA offers low rates for drivers who seek liability-only coverage. Oklahoma requires drivers to purchase at least the state-mandated minimum of liability coverage, which covers you for the damages suffered by others in an accident you cause. This includes their vehicles and property.
Pros
Strong JD Power customer service scores
Discounts for drivers with newer cars
Banking also available through USAA
Cons
Coverage available only to military members and their families
Limited number of physical locations
No 24/7 customer service
Best for discounts: Farmers
| 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. | 8.5 /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. | $83/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. | $179/mo |
3.8
A solid option in OklahomaBased on 2,421 verified driver reviews and ratings
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.1 | 2.9 |
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Based on analysis of verified reviews collected by Insurify
Best in Oklahoma for
Showing recent national reviewsSee all 1,123 Farmers reviews
Verified Review
Reviewed in Pennsylvania on September 28, 2026
Don’t talk over anyone. Don’t push anything. Discuss your offerings sincerely, not flatly or without feeling. Give the client the best deal—don’t keep trying to make the most money for yourself. Focus on the best savings for them. Then you’ll have a repeat client.
Verified Review
Reviewed in Minnesota on July 23, 2026
There are cheaper car coverage plans available from other insurers. They are very competitive on home insurance.
Verified Review
Reviewed in Michigan on July 20, 2026
Be careful—once they get you in, they start hiking up your price.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
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
Farmers offers nearly two dozen discounts that can lower your costs, including bundling, youthful or safe driver, loyalty, and more. Oklahoma drivers may even be eligible for a discount simply by switching their coverage to Farmers.
Pros
Bundling auto and homeowners coverage can trim costs by 10% or more
Policyholders are eligible for loyalty and good-payer discounts after 12 months
AM Best financial strength rating of A (Excellent)
Cons
Gets more complaints than the average insurer
Low Trustpilot rating
Relatively high costs for covering a teen on your policy
Best for customer service: Shelter Insurance
| 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 |
|---|
Best in Oklahoma for
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
Why we picked this company
Shelter Insurance earned the highest customer service rating in the Central region in the JD Power U.S. Auto Insurance Study. Oklahoma is part of that region.
Pros
AM Best financial strength rating of A (Excellent)
14 discounts for eligible drivers
Number of complaints in line with average for insurers
Cons
Coverage available in just 15 states
Average cost of liability-only car insurance in Oklahoma is on the higher side, according to Insurify data
Poor Trustpilot rating
How we chose the best companies
We evaluated insurers operating in Oklahoma using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Oklahoma drivers, including tornado and hurricane risks, urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
How much is car insurance in Oklahoma?
Drivers in Oklahoma pay an average of $83 per month for liability-only coverage and $169 per month for full coverage. Those costs compare to a national average of $99 per month for liability-only coverage and $187 for full coverage.
Frequent hail and severe winds due to stormy weather help drive up car insurance costs in Oklahoma, according to the state’s insurance department.
In addition, Oklahoma has a relatively high number of uninsured drivers, which also makes coverage more expensive for people who do purchase insurance.[1]
Find Affordable Oklahoma Auto Insurance
Compare rates from the nation’s leading insurance companies
Excellent
4.7 out of 5 based on 17,848 reviews
Secure. Free. Easy-to-use.
Average car insurance quotes in Oklahoma cities
Where you live can play a big role in how much you pay for car insurance. Here, you can see the average liability-only and full-coverage rates in different Oklahoma cities.
The below rates in Oklahoma are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Bartlesville | $64 | $127 |
| Enid | $66 | $131 |
| Ponca City | $68 | $133 |
| Ardmore | $69 | $156 |
| Stillwater | $70 | $141 |
| Muskogee | $71 | $138 |
| Lawton | $74 | $165 |
| Norman | $86 | $159 |
| Tulsa | $91 | $166 |
| Oklahoma City | $96 | $187 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
When it comes to insurance expenses, some cities are worse than others. Here are the five most expensive cities in Oklahoma for car insurance.
The below rates in Oklahoma are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Muskogee | $71 | $138 |
| Lawton | $74 | $165 |
| Norman | $86 | $159 |
| Tulsa | $91 | $166 |
| Oklahoma City | $96 | $187 |
On-the-spot guidance from licensed insurance experts
)
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Qualifications:
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
)
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Qualifications:
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
)
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Why you should compare car insurance quotes in Oklahoma
Comparing car insurance quotes can help you get the right coverage at the best price. Your driver profile, where you live, and the insurer you choose all can influence rates. Insurance companies in Oklahoma have their own individual methods for determining how they weigh these factors when setting rates.
In addition, specific insurers may offer their own discounts or extra coverages. So, it’s likely that your driver profile and insurance needs align better with the requirements of some insurers than others.
Compare quotes from at least three to five insurers before deciding on the best policy for you.
Oklahoma car insurance requirements
According to the Oklahoma Insurance Department, you must have liability coverage of at least:[2]
$25,000 per person for bodily injury liability coverage
$50,000 per accident
$25,000 for property damage liability coverage
Comprehensive coverage, collision coverage, medical payments, uninsured motorist protection, and uninsured motorist property damage coverages are optional in Oklahoma. That said, you must opt out of uninsured motorist coverage in writing if you don’t want this insurance.[3]
How to find the cheapest Oklahoma car insurance
You can find the cheapest car insurance policy in Oklahoma by gathering car insurance quotes from multiple insurers.
Once you find a policy you like, you can save even more by:
Bundling policies: You may earn a price break if you purchase auto, homeowners, and other policies from one insurer.
Asking about available discounts: You may be eligible for a price break if your driving record is spotless, you get good grades, or you agree to have your driving monitored.
Raising deductibles: Insurers usually offer lower premiums to policyholders who carry higher deductibles.
Looking for additional ways to save: For example, many insurers generate a credit-based insurance score and use it to set rates. Equifax says the average credit score in the U.S. is 705, but in Oklahoma it’s just 683. You could potentially lower your insurance costs simply by boosting your credit score, as insurers see drivers with a lower credit score as riskier to insure.[4]
Compare Oklahoma Car Insurance Quotes
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 17,848 reviews
Secure. Free. Easy-to-use.
Find quotes for your driver profile
Check out the links below to see how much insurance costs in Oklahoma for various driver profiles and situations:
How car insurance costs have changed in Oklahoma
In 2024, car insurance rates soared to record highs as insurers struggled with a surge of claims following the COVID-19 pandemic.
More recently, car insurance costs have fallen nationwide. But the trend is likely to reverse, with costs expected to rise 1% by the end of 2026, according to Insurify’s American Driver Report.
Things look a bit better in Oklahoma. In June, the average annual cost of car insurance in the state was $1,514. Costs dipped by 2.4% in the first half of 2026, and projections indicate they’ll fall another 1% in the second half of the year.
Average Oklahoma Car Insurance Rates Over the Past Five Years
State Name | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Oklahoma | 1,458 | 1,461 | 1,463 | 1,470 | 1,458 | 1,464 | 1,460 | 1,459 | 1,470 | 1,480 | 1,492 | 1,491 | 1,488 | 1,491 | 1,502 | 1,506 | 1,531 | 1,552 | 1,588 | 1,619 | 1,648 | 1,677 | 1,699 | 1,701 | 1,727 | 1,746 | 1,764 | 1,781 | 1,810 | 1,850 | 1,921 | 1,995 | 2,075 | 2,150 | 2,167 | 2,159 | 2,155 | 2,101 | 2,082 | 2,091 | 2,106 | 2,129 | 2,149 | 2,168 | 2,186 | 2,193 | 2,200 | 2,167 | 2,150 | 2,105 | 2,081 | 2,070 | 2,058 | 2,060 | 2,061 | 2,052 | 2,037 | 2,030 | 2,024 | 2,029 | 2,026 |
| United States | 1,557 | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,613 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,803 | 1,850 | 1,887 | 1,919 | 1,956 | 1,982 | 2,006 | 2,036 | 2,076 | 2,127 | 2,194 | 2,238 | 2,298 | 2,341 | 2,368 | 2,391 | 2,387 | 2,375 | 2,371 | 2,363 | 2,352 | 2,368 | 2,369 | 2,368 | 2,357 | 2,343 | 2,318 | 2,286 | 2,258 | 2,229 | 2,216 | 2,223 | 2,223 | 2,225 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 | 2,242 |
Oklahoma car insurance FAQs
As you shop for cheap car insurance in Oklahoma, some questions may come to mind. Below are answers to some of the most frequently asked questions drivers ask when searching for the best insurance in Oklahoma.
How much is car insurance in Oklahoma?
The average monthly liability-only insurance cost in Oklahoma is $83. The average monthly full-coverage car insurance cost in Oklahoma is $169.
Which insurer has the cheapest car insurance in Oklahoma?
State Farm offers the cheapest car insurance in Oklahoma, with liability-only rates averaging $39 per month.
What factors affect the cost of car insurance in Oklahoma?
Oklahoma experiences storms that cause hail, flood, and wind damage. This can push insurance rates higher. The state also has a large number of uninsured drivers, which increases costs. Where you live plays a role in the cost of car insurance in Oklahoma. If you live in a high-crime area of Oklahoma City or Tulsa, your rates might be higher.
How much is DUI insurance in Oklahoma?
High-risk drivers in Oklahoma pay an average of $158 per month for car insurance if they have a driving under the influence (DUI) conviction on their record. This is 71% higher than the cost of coverage for safe drivers with clean records, according to Insurify data.
Is GEICO or Progressive cheaper for Oklahoma drivers?
Progressive is typically cheaper for Oklahome drivers. Full-coverage car insurance with GEICO in Oklahoma averages $159 per month. For liability-only coverage, the monthly cost is $79. Full coverage with Progressive averages $94 per month, with liability-only coverage costing an average of $56 per month.
Sources
- Oklahoma Insurance Department. "Tips to Drive Down Auto Insurance Costs."
- Oklahoma Department of Insurance. "Auto Insurance Common Myths."
- Oklahoma Department of Insurance. "A GUIDE TO DEALING WITH AUTO INSURANCE & ACCIDENTS."
- Equifax. "What Is the Average Credit Score by State?."
Methodology
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:
- 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
Related articles
)
Best Car Insurance in Oklahoma
State Farm, Progressive, and GEICO are some of the best car insurance companies in Oklahoma.
)
Car Insurance Discounts in Oklahoma
Oklahoma drivers can save money on their car insurance with various discounts. The state also requires insurers to offer a discount to drivers who complete an accident prevention course.
)
Gap Insurance in Oklahoma
Gap insurance in Oklahoma is worth it for many people who finance or lease their vehicles.
Car Insurance Requirements in Oklahoma
Oklahoma drivers must carry $25,000 in bodily injury liability per person and $50,000 per accident, as well as $25,000 in property damage liability.
How Much Is Car Insurance in Oklahoma?
Drivers in Oklahoma pay an average of $1,514 per year for car insurance.
SR-22 Insurance in Oklahoma: Cost, Requirements, and Cheapest Companies
SR-22 insurance isn’t a requirement in Oklahoma, but drivers still need to carry the minimum amount of insurance.
)
Cheapest Liability Car Insurance in Oklahoma
Oklahoma drivers can find the cheapest liability-only car insurance from State Farm, with an average rate of $39 per month.
)
Cheap Car Insurance for Low-Income Drivers in Oklahoma
State Farm has the cheapest liability car insurance in Oklahoma, with an average rate of $39 per month.
Cheap Full-Coverage Car Insurance in Oklahoma
Oklahoma drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $85 per month.
)
Non-Owner Car Insurance in Oklahoma
Non-owner car insurance helps Oklahoma drivers without a vehicle meet the state’s minimum liability requirements.
Oklahoma Car Insurance Laws
Oklahoma law requires drivers to carry bodily injury and property damage liability insurance.
)
Cheapest Auto Insurance in Ardmore, Oklahoma
The cheapest liability-only rate in Ardmore is $35, offered by State Farm.
Cheapest Auto Insurance in Bartlesville, Oklahoma
State Farm is the cheapest car insurance company in Bartlesville, with monthly liability rates as low as $30.
)
Cheapest Auto Insurance in Enid, Oklahoma
State Farm offers the cheapest car insurance in Enid, with minimum-coverage policies as low as $31 per month.
)
Cheapest Auto Insurance in Lawton, Oklahoma
State Farm offers the cheapest car insurance in Lawton, with minimum-coverage policies as low as $37 per month.
)
Cheapest Auto Insurance in Muskogee, Oklahoma
State Farm is the cheapest liability car insurance company in Muskogee, with premiums starting at $33 per month.
)
Cheapest Auto Insurance in Norman, Oklahoma
State Farm is the cheapest car insurance company in Norman, with a liability car insurance rate of $38 per month.
Cheapest Car Insurance Quotes in Oklahoma City (October 2026)
The cheapest car insurance company in Oklahoma City is State Farm, with an average rate of $44 per month for a liability-only policy. Rates in OKC are higher than elsewhere in the state because of the city’s poor road conditions, heavy highway through traffic, and high vehicle theft rate.
Cheapest Auto Insurance in Ponca City, Oklahoma
State Farm is the cheapest car insurance company in Ponca City, with a liability rate of $31 per month.
)
Best Cheap Auto Insurance in Stillwater, Oklahoma
State Farm offers the cheapest rates in Stillwater for $33 per month.
Cheapest Car Insurance Quotes in Tulsa, Oklahoma (October 2026)
State Farm has the cheapest auto insurance rates in Tulsa, with liability coverage averaging $40 per month. Above-average vehicle theft rates and severe weather risks contribute to higher premiums in Tulsa.
Writer: Chris KissellInsurance, Personal Finance Writer
Writer: Chris KissellInsurance, Personal Finance Writer
Chris Kissell is a Denver-based writer and editor whose work focuses on personal finance, insurance and health issues. His work has been featured in Forbes, U.S. News & World Report, MSN Money, Fox Business, Yahoo Finance, Bankrate, Money Talks News, and more.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.