Cheap Full-Coverage Car Insurance in Oklahoma (2026)
Oklahoma drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $85 per month.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
)
Writer: Ben LuthiInsurance and Personal Finance Writer
Writer: Ben LuthiInsurance and Personal Finance Writer
Qualifications:
12+ years in personal finance and insurance writing
Former financial analyst
Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
)
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: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
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.
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.
Quick Facts
The average cost of full-coverage car insurance in Oklahoma is $2,029 per year.
State Farm has the cheapest full coverage, averaging $85 per month.
Oklahoma has a relatively low population density, which helps keep car insurance premiums lower than the national average.
Cheapest full-coverage car insurance in Oklahoma
Full-coverage rates average $169 per month in Oklahoma, and State Farm offers the cheapest average quotes.
Your own rate may differ, so it’s important to shop around to find cheap car insurance in Oklahoma before settling on a policy. The table below shows average monthly full-coverage rates from some of Oklahoma’s cheapest insurers.
The below rates in Oklahoma are estimated rates current as of: Sunday, September 27 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $85 |
| Progressive | $95 |
| USAA | $105 |
| Mercury | $134 |
| AssuranceAmerica | $138 |
| National General | $138 |
| Root | $145 |
| Safeco | $154 |
| GEICO | $159 |
| Farmers | $179 |
| CSAA | $184 |
| Allstate | $190 |
| The General | $190 |
| Bristol West | $199 |
| Direct Auto | $199 |
| Liberty Mutual | $227 |
| Shelter | $252 |
| GAINSCO | $270 |
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.
How much is full-coverage insurance in Oklahoma?
Drivers in the Sooner State pay an average of $169 per month for full-coverage auto insurance, which is a bit cheaper than the national average of $187.
Several factors influence full-coverage premiums, including where you live, the vehicle you drive, your driving record, your age and gender, and even your credit history. Oklahoma ranks No. 37 in the U.S. for population density, with 57.7 residents per square mile, compared to the national average of 93.8.[1]
Shop for Cheap Car Insurance in Oklahoma
Full-coverage policies average $169/mo.
Excellent
4.7 out of 5 based on 17,481 reviews
Secure. Free. Easy-to-use.
How to find cheap full-coverage car insurance in Oklahoma
Whether you need full coverage to meet lender requirements or you simply want greater financial protection, the Oklahoma Insurance Department recommends several ways to reduce your car insurance costs:
Compare quotes from several companies. Insurers weigh auto insurance factors differently, so the same coverage can cost you significantly more with some companies compared to others. Get car insurance quotes from at least three companies to find the coverage you need at the right price.
Choose a high deductible. A higher deductible typically translates to lower rates, but you’ll want to avoid choosing one that you can’t afford to pay out of pocket if you file a claim.
Bundle your home or renters policy. You can usually get a discount on both your home and auto insurance when you buy them from the same insurer.
Ask about other discounts. Insurers may offer a wide range of car insurance discounts, but they vary by company. You may qualify for savings based on safe driving, low mileage, installing an anti-theft device, taking a defensive driving course, and more.
What full-coverage car insurance covers
Full coverage isn’t a specific type of policy. It typically refers to a policy that includes liability insurance, collision coverage, and comprehensive coverage. Here’s what each covers:
Bodily injury liability coverage
If you cause an accident, your bodily injury liability coverage pays the medical expenses for injuries you cause to others, but it doesn’t provide medical payments coverage for you.
Property damage liability coverage
If you cause an accident, property damage coverage pays to repair damage you cause to someone else’s property, but it doesn’t provide any coverage for your own vehicle.
Collision coverage
If you get in an accident, collision coverage pays to repair or replace your car after a crash with another vehicle or an object, no matter who caused the crash.
Comprehensive coverage
If your car sustains damage from anything other than a collision, including hail, theft, fire, flooding, falling limbs, or hitting an animal, comprehensive coverage will pay for repairs.
Full coverage doesn’t include optional add-ons, like rental reimbursement or roadside assistance.
Car insurance requirements in Oklahoma
Every Oklahoma driver must maintain minimum liability coverage, including:[2]
$25,000 in bodily injury liability per person: The amount your policy pays toward medical costs for each person injured in an accident you caused
$50,000 in bodily injury liability per accident: The total amount your policy pays toward medical costs for everyone you injure in an accident you caused
$25,000 in property damage liability per accident: The total amount your policy pays toward property damage you cause in an accident
Because accident costs can exceed Oklahoma’s 25/50/25 minimum limits, the Oklahoma Insurance Department notes that the insurance industry generally recommends liability limits of 100/300/100.
Minimum vs. full-coverage car insurance in Oklahoma
Liability-only insurance may meet the state’s legal requirement, but it doesn’t offer coverage for your own vehicle, leaving you without key protection.
Here’s a quick summary of how the two compare:
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Oklahoma | $83 | $169 |
| Covers damage to your own car? | No | Yes |
| Covers damage to other car? | Yes | Yes |
| Covers hail, theft, and vandalism? | No | Yes |
| Satisfies lender and leasing company requirements? | No | Yes |
Disclaimer: Table data is based on real-time Oklahoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
If you have a car loan or lease, you’ll likely need to have full coverage. But even if you own your car outright, full coverage might be worth having if you’re unable to replace your vehicle out of pocket. That said, if you own your car free and clear and it’s older and worth relatively little, you may be better off sticking with basic liability coverage.
Is full-coverage car insurance worth it in Oklahoma?
Oklahoma recorded 76 billion-dollar severe storm events between 1980 and 2024, more than any other type of billion-dollar disaster in the state.[3]
For example, let’s say a spring hailstorm moves through Oklahoma City and leaves $6,000 worth of damage to the roof, hood, and windshield of your car. With full coverage, you’d pay your comprehensive deductible — say, $500 — and your comprehensive insurance would cover the remaining $5,500.
But if you only have liability insurance, you’d have to pay the full $6,000 to repair the car or keep driving a damaged vehicle. And if you try to sell the car later on, the damage could significantly reduce what buyers are willing to pay.
Because Oklahoma has an estimated 26% uninsured driver rate, according to state data, it may also be worth uninsured/underinsured motorist coverage (UM/UIM) for additional protection if you get in an accident with a driver who has insufficient coverage or none at all.
Instantly Compare Car Insurance Rates in Oklahoma and Save
Insurify partners with 120+ top insurers for real-time quotes
Excellent
4.7 out of 5 based on 17,481 reviews
Secure. Free. Easy-to-use.
Pros and cons of full-coverage car insurance in Oklahoma
Pros
Pays to repair or replace your car after a crash, hailstorm, theft, or flood
Satisfies lender requirements for vehicles with a loan or lease
Includes liability coverage in the event you cause an accident
Cons
Costs more than liability-only insurance
Requires you to pay a deductible before claim payout
May not be cost-effective for lower-value cars
Full-coverage car insurance in Oklahoma FAQs
Here are some of the most common questions drivers ask about full-coverage car insurance in Oklahoma.
How much is full-coverage car insurance in Oklahoma?
Full coverage costs an average of $169 per month in Oklahoma, or $2,029 per year. What you pay depends on your insurer, vehicle, driver profile, and the coverage limits and deductibles on your policy.
What factors affect the cost of full-coverage car insurance in Oklahoma?
Insurers look at your driving record, age, gender, vehicle, ZIP code, annual mileage, and claims history, among other things. Oklahoma insurers also use your credit history to build a credit-based insurance score, which can factor into your premium.
Can you get full-coverage car insurance for an older vehicle in Oklahoma?
Yes. Insurers sell collision and comprehensive coverage for older cars, but if an accident totals your car, your insurer generally pays its actual cash value at the time of loss. So the coverage is worth less as the car depreciates.
Sources
- U.S. Census Bureau. "Historical Population Census Data."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- NOAA National Centers for Environmental Information. "U.S. Billion-Dollar Weather and Climate Disasters."
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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Best Car Insurance in Oklahoma
State Farm, USAA, and GEICO are among the best car insurance companies in Oklahoma.
)
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.
Average Car Insurance Cost in Oklahoma
Drivers in Oklahoma pay an average of $126 per month for car insurance.
Oklahoma Car Insurance Laws
Oklahoma law requires drivers to carry bodily injury and property damage liability insurance.
Cheapest Car Insurance Quotes in Oklahoma
Drivers in Oklahoma can find rates as low as $39 per month with State Farm. Compare real quotes from top companies and buy your policy all in one place.
)
6-Month vs. 12-Month Car Insurance: Which Term Is Better?
If you’ve got a cheap rate and clean driving record, a 12-month policy locks in your low rate for longer. But a six-month term could help you take advantage if rates drop.
)
How Long Does It Take to Get Car Insurance?
You can have a new car insurance policy within minutes of receiving a quote.
)
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 $29.
)
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 $36 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 (September 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 $32 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 (September 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: Ben LuthiInsurance and Personal Finance Writer
Writer: Ben LuthiInsurance and Personal Finance Writer
Qualifications:
12+ years in personal finance and insurance writing
Former financial analyst
Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
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.