Best Cheap Auto Insurance in Oklahoma City, Oklahoma (2024)
State Farm offers the cheapest car insurance for Oklahoma City drivers, with liability rates starting at $35 per month.
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Written byAmy Beardsley
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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.
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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.
Updated November 20, 2024
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Table of contents
Nearly 700,000 people live in Oklahoma City, which is accessible via Interstates 35, 40, and 44. Oklahoma ranks eighth in traffic-related deaths, according to the Insurance Institute for Highway Safety (IIHS).[1] Auto insurers may account for this risk by increasing rates in the state.
Oklahoma City residents may face higher rates than drivers elsewhere in Oklahoma because of a greater population density and traffic congestion. The Oklahoma City population per square mile is about 1,124 people.[2] The average cost of car insurance in Oklahoma City is $105 per month for liability and $210 for full-coverage insurance, Insurify data shows.
State Farm offers the cheapest Oklahoma City car insurance, followed closely by USAA and Allstate. Here’s what you should know about finding a cheap auto insurance policy in Oklahoma City.
Quick Facts
On average, Oklahoma City drivers pay $157 per month overall for car insurance, according to Insurify data.
Insurance companies in Oklahoma can consider your credit history when determining your auto insurance premium.[3]
Because Oklahoma is an at-fault state, the driver who caused an accident must cover the other driver’s damages, including medical bills and vehicle repairs.[4]
Best car insurance companies in Oklahoma City
You have several cheap car insurance options to choose from in Oklahoma City, the state’s largest city and its capital. Your coverage options and premium depend on factors like your driving history, vehicle type, and ZIP code. The best insurer for someone else may not work well for you, so you should consider all your options carefully.
“Auto insurance is the most competitive insurance product in the marketplace, and quotes can vary by hundreds of dollars between carriers,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. Comparing quotes from multiple insurers can help you find the cheapest coverage.
Here are three of the best auto insurers in Oklahoma City.
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 | Cheap rates |
| Safeco | 8.3 | $168 | $81 | At-fault accidents |
| Allstate | 8.9 | $87 | $41 | College student |
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.
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 cheap rates: 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. | $35/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. | $74/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 has the best auto rates by coverage level in Oklahoma City. You can access personalized support from the company’s 25 OKC-area exclusive agents. The company has various coverage options and lets you create a Personal Price Plan for more control over your premiums.
Pros
Local network of 25 agents
Customized coverage to fit your budget
Some of the cheapest rates in Oklahoma City
Cons
Gap insurance not available
Fewer discounts than some other insurers
Some negative customer reviews on Trustpilot
Best insurer for drivers with an at-fault accident: Safeco
| User Reviews | 4.5 |
|---|---|
| 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. | 8.3 /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. | $96/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. | $198/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy we picked this company
For drivers with an at-fault accident, Safeco is a top contender for affordable auto coverage. The company has some of the lowest rates in Oklahoma City and offers accident forgiveness after a set number of years after your first accident.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Accident forgiveness available
Cons
May not be the cheapest option for drivers with infractions on their records
Customer reviews indicate room for improvement in customer service
Higher-than-average number of complaints with the National Association of Insurance Commissioners
Best insurer for college students: 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. | $48/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. | $102/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
Allstate’s student discounts can help young drivers save on car insurance. If you’re a full-time student younger than 25 and unmarried, you can get a discount for getting good grades, completing a driver education program, and going to school at least 100 miles from where you keep your car.
Pros
Discounts specific to college students
Local network of independent and exclusive agents
Rideshare insurance available
Cons
Below-average J.D. Power customer satisfaction rating
Young drivers can face high rates
Some negative customer reviews on Trustpilot
How to get the cheapest car insurance in Oklahoma City
Before you track down the cheapest Oklahoma City car insurance, you need to know what influences insurance costs. Insurers consider factors like your driving record, age, type of vehicle, policy type, coverage level, and credit history.
To find the most affordable car insurance in Oklahoma City, use the following tips:
Consider raising your deductible. Setting a higher deductible for your comprehensive and collision coverages can lower your premium, but make sure you choose an amount you can afford to pay out of pocket if you need to file a claim. Liability does not have a deductible.
Take advantage of available discounts. Many insurance companies offer discounts for things like bundling your policies, having a good driving record, or finishing an approved defensive driving course.
Maintain a good credit score. Insurance companies use insurance-based credit scores to set rates, so maintaining good credit is important.
Drive safely. A clean driving record without at-fault accidents or other moving violations can help you qualify for lower insurance rates.
Compare insurance quotes. Each company may offer different rates and discounts, so check rates from at least three insurers to find the best deal.
Cheapest liability-only car insurance in Oklahoma City: State Farm
Purchasing liability-only car insurance allows you to meet the state’s minimum-coverage requirements. Liability coverage pays for damages you might cause to others in an accident, such as medical expenses, lost wages, and repairing or replacing the other person’s property. It doesn’t cover you, your passengers, or your car.[5]
On average, Oklahoma City drivers pay $105 per month for liability insurance. But, State Farm offers the cheapest liability rates for $35 per month.
Here are the average rates from different insurance companies for minimum coverage in Oklahoma City.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $35 |
| USAA | $44 |
| Allstate | $48 |
| Mercury | $68 |
| GEICO | $70 |
| Farmers | $74 |
| Root | $83 |
| Progressive | $85 |
| National General | $87 |
| CSAA | $91 |
| Safeco | $96 |
| Clearcover | $102 |
| Direct Auto | $102 |
| Shelter | $105 |
| The General | $117 |
| GAINSCO | $126 |
| Bristol West | $158 |
| Foremost | $163 |
| Liberty Mutual | $189 |
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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Cheapest full-coverage car insurance in Oklahoma City: State Farm
“Full coverage provides drivers with a much greater level of financial protection than liability-only coverage,” says Friedlander. “It includes collision, which covers damage from striking another vehicle or object such as a tree or light pole, and comprehensive, which covers all non-collision incidents including theft, vandalism, fire, and weather hazards.”
Of course, the higher level of protection comes with higher premiums. Still, you may want to consider a full-coverage policy if you have a new or high-value vehicle. If you finance or lease your vehicle, your auto lender may even require you to purchase collision and comprehensive coverage.
In Oklahoma City, State Farm has the cheapest full-coverage rates for $74 per month.
Here are the cheapest auto insurers for full-coverage insurance in Oklahoma City.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $74 |
| USAA | $92 |
| Allstate | $102 |
| GEICO | $146 |
| Farmers | $156 |
| Progressive | $158 |
| Root | $158 |
| Mercury | $163 |
| CSAA | $178 |
| National General | $187 |
| Direct Auto | $196 |
| Safeco | $198 |
| Clearcover | $205 |
| Shelter | $220 |
| The General | $250 |
| GAINSCO | $313 |
| Liberty Mutual | $332 |
| Foremost | $340 |
| Bristol West | $359 |
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 recent rates near Oklahoma City, Oklahoma
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $64/mo for full coverage in Oklahoma City and other Oklahoma cities.
*Quotes generated for Insurify users in and around Oklahoma City, Oklahoma 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 in and around Oklahoma City, Oklahoma 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.
Car insurance requirements in Oklahoma
Oklahoma law follows a fault system for car insurance. If you cause a car accident, you’re responsible for covering the damages. And Oklahoma drivers must carry a minimum amount of auto insurance, as shown in the table below. It’s important to note that the minimum requirements may not fully protect you if you’re in an accident.
The Oklahoma Insurance Department (OID) recommends that drivers in the state should increase coverage levels beyond the minimum requirements for better protection.[6] You can find the specific minimum car insurance requirements in Oklahoma below:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
For even more protection, ask your insurance company about these optional coverages:
Comprehensive
This coverage protects your vehicle against non-collision incidents, like theft, vandalism, natural disasters, and fire.
Collision
This covers repairs or replacement of your vehicle in the event of a collision with another vehicle or object such as a tree, fence, or light pole. Collision also pays for damages from rollover accidents or from hitting a pothole.
Uninsured/underinsured motorist
If you have an accident with a driver with insufficient or no auto insurance, this coverage can protect you.
Medical payments
This covers medical expenses for you and your passengers after an accident, regardless of fault.
Rental car reimbursement
This helps cover the cost of renting a replacement vehicle if your car needs repairs after an accident.
Roadside assistance
Though it varies by each insurer, this coverage typically provides towing, battery jump-starts, flat-tire changes, emergency fuel delivery, and towing.
Gap insurance
This covers the difference between your car’s actual cash value and the remaining amount on your auto loan or lease if you total your vehicle in an accident or someone steals your car.
Custom parts and equipment coverage
This protects aftermarket additions to your vehicle, such as upgraded stereo systems or custom rims.
Accident forgiveness
If you have a good driving history, you may be eligible to buy accident forgiveness. This additional coverage keeps your insurance premium from increasing following an accident in which you're at fault.
Cheapest car insurance for drivers with an incident
An incident is an event or action that can affect your driving record, such as an at-fault accident, speeding ticket, DUI, or other moving violation. Insurance companies view incidents as indicators of higher risk, which often leads to you paying higher car insurance premiums.[7]
The amount of past incidents, severity of the offenses, and resulting claims can all influence just how much an offense increases your car insurance premium.
Shop for Car Insurance in Oklahoma City
Liability rates start at $43/mo. for drivers with motor vehicle infractions
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Cheapest car insurance for drivers with a speeding ticket: State Farm
One or more speeding tickets on your record can lead to higher rates. Insurance companies see speeding tickets as a sign of risky driving behavior, which increases your chances of having an accident. Shopping around can help you keep costs low, since the effect of a speeding ticket on your insurance costs varies by insurer.
Oklahoma City drivers with speeding tickets see average monthly rates of $155 for liability coverage, and $310 for full-coverage car insurance. Here are the cheapest monthly rates in Oklahoma City for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $98 | $46 |
| USAA | $123 | $59 |
| Allstate | $136 | $64 |
| GEICO | $195 | $93 |
| Farmers | $207 | $98 |
| Progressive | $210 | $113 |
| Root | $226 | $119 |
| Mercury | $233 | $97 |
| CSAA | $242 | $124 |
| National General | $251 | $117 |
| Direct Auto | $262 | $136 |
| Safeco | $268 | $130 |
| Clearcover | $275 | $137 |
| Shelter | $305 | $145 |
| The General | $340 | $159 |
| GAINSCO | $449 | $181 |
| Liberty Mutual | $476 | $271 |
| Bristol West | $482 | $212 |
| Foremost | $487 | $234 |
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
You can expect to pay a higher car insurance premium if you have an at-fault accident on your record. The severity of the accident and resulting damages can also affect your price increase. However, it’s important to note that the cheapest auto insurance rates for drivers with an at-fault accident can vary depending on your location, insurance company, and personal circumstances.
Overall, car insurance with an accident averages $232 per month for Oklahoma City drivers. But, State Farm offers the cheapest liability coverage for Oklahoma City drivers at $48.
Here are the cheapest monthly rates for Oklahoma City drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $101 | $48 |
| USAA | $127 | $61 |
| Allstate | $140 | $66 |
| GEICO | $201 | $96 |
| Farmers | $214 | $102 |
| Progressive | $219 | $118 |
| Root | $232 | $122 |
| Mercury | $240 | $100 |
| CSAA | $254 | $130 |
| National General | $257 | $120 |
| Safeco | $270 | $131 |
| Direct Auto | $275 | $143 |
| Clearcover | $303 | $151 |
| Shelter | $315 | $150 |
| The General | $350 | $164 |
| GAINSCO | $412 | $166 |
| Liberty Mutual | $486 | $277 |
| Bristol West | $493 | $217 |
| Foremost | $498 | $239 |
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
The consequences of driving under the influence or driving while impaired (DWI) are severe in Oklahoma. Convicted drivers typically face fines and fees of $10,000 or more, installation of an ignition locking device in their car for up to five ears, license revocation, and up to five years in jail.
If your driving record includes a DUI charge, you can face significantly higher auto insurance costs. Insurance companies view DUIs as an indicator of more risky behavior in the future. Because you pose a higher risk with a DUI, insurers will charge you more for coverage.
Some insurers may not want to provide you coverage due to your history, but you can look at insurance companies that specialize in coverage for high-risk drivers. If you can’t find an insurer to issue you a policy, the Oklahoma Automobile Insurance Plan is a state-bacled option that can connect you with a car insurance company.
The average cost of car insurance for Oklahoma City drivers with DUI convictions are $176 per month for liability-only coverage, and $353 for full coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $123 | $58 |
| USAA | $153 | $73 |
| Allstate | $170 | $80 |
| Root | $235 | $124 |
| GEICO | $243 | $116 |
| Mercury | $251 | $105 |
| Farmers | $260 | $123 |
| Progressive | $263 | $141 |
| CSAA | $267 | $136 |
| Safeco | $306 | $148 |
| National General | $311 | $145 |
| Direct Auto | $326 | $170 |
| Clearcover | $341 | $170 |
| Shelter | $366 | $175 |
| The General | $416 | $195 |
| GAINSCO | $521 | $210 |
| Liberty Mutual | $552 | $314 |
| Foremost | $566 | $271 |
| Bristol West | $597 | $263 |
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
Car insurance rates tend to decrease steadily over time for drivers between the ages of 35 and 70 as a result of drivers gaining more experience and establishing a solid driving record. Drivers older than 70 tend to pay more for car insurance than drivers in their 60s.
Senior drivers older than 70 may face age-related risk factors when driving, which auto insurers account for by increasing insurance rates slightly. For example, the fatal crash rate increases for drivers age 70 and older, according to the IIHS.[8]
OKC senior drivers pay a monthly average of $154 for full coverage and $105 for liability-only policies. Here are the cheapest auto insurers for senior drivers in Oklahoma City.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $54 | $26 |
| USAA | $69 | $33 |
| Allstate | $77 | $36 |
| Progressive | $107 | $57 |
| GEICO | $109 | $52 |
| Farmers | $114 | $54 |
| Mercury | $121 | $50 |
| Root | $125 | $66 |
| CSAA | $128 | $65 |
| National General | $134 | $62 |
| Direct Auto | $143 | $75 |
| Shelter | $150 | $71 |
| Safeco | $160 | $77 |
| Clearcover | $167 | $83 |
| The General | $191 | $89 |
| GAINSCO | $247 | $100 |
| Foremost | $256 | $123 |
| Liberty Mutual | $263 | $150 |
| Bristol West | $271 | $119 |
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 car insurance rates cost much more than premiums for adults because young adults are high-risk drivers. Teenagers lack driving experience and have a greater likelihood of engaging in risky behavior behind the wheel, especially when multiple passengers are in the car.[9]
If you have a teenage driver in your family, here are some ways to help you lower their car insurance costs:
Add them to your existing insurance policy (If they're under 18, they won't be able to buy a policy of their own without your written permission).
Choose a safe car with high vehicle safety ratings for them to drive.
Encourage them to maintain good grades for a good student discount.
Ask about a student away at school discount for college students.
For teen drivers in Oklahoma City, the average cost of full coverage is $424 and $212 for liability coverage. But, OKC teens can find the cheapest coverage from State Farm for $66 per month.
The following companies offer the cheapest monthly car insurance rates for Oklahoma City teenagers:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $139 | $66 |
| USAA | $169 | $81 |
| Allstate | $198 | $93 |
| GEICO | $257 | $123 |
| Root | $261 | $137 |
| Farmers | $298 | $141 |
| Progressive | $303 | $163 |
| CSAA | $314 | $161 |
| Mercury | $314 | $131 |
| Direct Auto | $390 | $203 |
| National General | $398 | $185 |
| Shelter | $402 | $192 |
| Clearcover | $410 | $204 |
| Safeco | $413 | $200 |
| The General | $437 | $204 |
| GAINSCO | $590 | $238 |
| Liberty Mutual | $623 | $355 |
| Foremost | $659 | $316 |
| Bristol West | $662 | $291 |
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 City car insurance quotes by credit tier
Your credit history can affect more than your interest rate in Oklahoma City. Insurers in the city can use your credit-based insurance score as a factor when determining your premium.
Drivers with excellent and good credit history typically pay better rates than people with poor credit history. Here are the average full-coverage rates for car insurance in Oklahoma City by credit tier.
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.
Is car insurance more expensive in Oklahoma City?
Oklahoma City drivers pay $157 per month for car insurance on average, which is more than the national average of $154 per month. However, your premiums can vary depending on which part of the city you live in. For instance, Stillwater or Enid drivers might have lower costs than someone in Beaverton or Muskogee.
Population density, traffic congestion, crime rates, and other local factors can all account for differences in the premium you receive in Oklahoma City. Severe weather conditions are another major factor that affects premiums in Oklahoma City and elsewhere in the state, due to how frequently Oklahoma faces threats of damage from tornadoes.
More cities in Oklahoma
Oklahoma City is the state’s largest city, but a few other cities have similar car insurance costs. For instance, Edmond drivers face similar average car insurance costs, while Broken Area drivers pay an average of 21% less than Oklahoma City.
On average, Oklahoma City drivers pay $210 per month for full-coverage car insurance. See how other cities in the state compare below.
City ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Bartlesville | $137 | $74 |
| Enid | $162 | $76 |
| Lawton | $179 | $83 |
| Norman | $182 | $93 |
| Tulsa | $203 | $104 |
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 City car insurance FAQs
Before you start shopping around for coverage, you should decide on the amount of coverage you need. The information below should help you navigate the process of finding quality coverage in Oklahoma City.
How much is car insurance in Oklahoma City?
On average, Oklahoma City drivers pay $105 for liability coverage and $210 for full-coverage insurance. The overall average cost of car insurance in Oklahoma City is $157 per month. Ultimately, how much you pay for car insurance depends on your driving record, age, credit history, vehicle type, insurer, chosen coverage, and more.
What are the cheapest car insurance companies in Oklahoma City?
State Farm is the cheapest car insurance company in Oklahoma City, with liability-only rates as low as $35 per month. USAA and Allstate are the second- and third-cheapest insurers in the city, with liability only rates of $44 and $48, respectively.
What are the best car insurance companies in Oklahoma City?
State Farm is the best car insurance company in Oklahoma City. It has a high Insurify Quality (IQ) Score of 4.4, an A++ (Superior) AM Best financial strength rating, and high marks in customer satisfaction from J.D. Power. Other top insurers in OKC include Allstate and Safeco.
Is Oklahoma a no-fault state?
No. Oklahoma is an at-fault state. This means that the driver who causes an auto accident must cover the other driver’s damages, such as medical expenses and vehicle repair costs.
How much auto insurance do you need in Oklahoma?
Drivers in Oklahoma 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. If you drive while uninsured in the state, you could face a $250 fine as well as possible license suspension and up to 30 days in jail.[10]
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
- Insurance Institute for Highway Safety. "Fatality Facts 2021 State by State."
- United States Census Bureau. "QuickFacts: Oklahoma City city, Oklahoma."
- Oklahoma Insurance Department. "How Does Credit History Affect My Insurance Premium?."
- NOLO. "Oklahoma Car Insurance Requirements and Laws."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "Fatality Facts 2021: Older People."
- National Highway Traffic Safety Administration. "Teen Driving."
- Oklahoma District Attorneys Council. "Oklahoma Uninsured Vehicle Enforcement Diversion Program."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
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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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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