Best Cheap Auto Insurance in Oklahoma City, Oklahoma (2023)

Oklahoma City drivers usually pay about 11% more for car insurance than the state average.

Secure, Free, Easy-to-use
4.8/5
Amy Beardsley
Amy Beardsley
Updated September 20, 2023
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 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.

Featured in

media logomedia logo
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Why you can trust Insurify

Insurify’s expert insurance writers and editors operate independently of our insurance partners. As an independent agent and insurance comparison website, we make money through commissions from insurers. But that does not influence any editorial content, including reviews. Learn more.
Advertiser Disclosure

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.

+ MORE

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 $185 per month for liability and $289 for full-coverage insurance.

State Farm offers the cheapest Oklahoma City car insurance, followed closely by USAA, Allstate, and Travelers. Here’s what you should know about finding a cheap auto insurance policy in Oklahoma City.

Quick Facts
  • On average, Oklahoma City drivers pay $237 per month 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]

Find Car Insurance in Oklahoma City

Insurify partners with top auto insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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. 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.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$34/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.
$63/mo

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 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

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023
Verified

Premiums jump every six months

Kenneth - January 31, 2023
Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023
Verified
Read our State Farm review

Best insurer for drivers with an at-fault accident: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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++
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.
$132/mo

For drivers with an at-fault accident, Travelers is a top contender for affordable auto coverage. The company has some of the lowest rates and offers a Responsible Driver Plan that bundles accident forgiveness and minor violation forgiveness. If you opt for the Premier Responsible Driver Plan, the company can waive part or all of your deductible if you have a claim or total your car.

Pros
  • New-car replacement coverage option

  • Rental reimbursement and gap insurance available

  • A.M. Best financial strength rating of A++ (Superior)

Cons
  • Accident history can lead to higher insurance rates

  • Below-average J.D. Power customer satisfaction rating

  • Some Android users report issues with the mobile app

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

Best insurer for college students: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$87/mo

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 26 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

Good company, but costs more for premiums

Patricia - February 1, 2023
Verified

My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.

Burl - January 30, 2023
Verified

They’ve given good service, but there were times when things could have been handled a bit more professionally.

Dorothy - January 18, 2023
Verified
Read our Allstate review

Cheapest liability-only car insurance in Oklahoma City

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]

Here are the average rates from different insurance companies for minimum coverage in Oklahoma City.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm34
USAA43
Allstate47
GEICO69
Farmers72
Mercury74
Safeco74
National General83
Clearcover87
Progressive87
Liberty Mutual99
Shelter101
CSAA105
Direct Auto107
Foremost112
Midvale Home & Auto113
GAINSCO114
Hallmark120
The General121
Bristol West154
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Oklahoma City

“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.

Here are the cheapest auto insurers for full-coverage insurance in Oklahoma City.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm63
USAA79
Allstate87
GEICO125
Travelers132
Farmers133
Mercury139
Clearcover143
Progressive158
Safeco159
Direct Auto176
Shelter187
National General205
Midvale Home & Auto212
CSAA221
Liberty Mutual239
The General240
GAINSCO246
Foremost249
Hallmark253
Bristol West295
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.

Estimate your Oklahoma City car insurance costs

Select discounts that apply to you
Save 35%
Save 5%
Save 23%
Save 38%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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:

CoverageMinimum 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:

illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

Comprehensive

This coverage protects your vehicle against non-collision incidents, like theft, vandalism, natural disasters, and fire.

illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

Collision

This covers repairs or replacement of your vehicle in the event of a collision with another vehicle or object.

illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

Uninsured/underinsured motorist

If you have an accident with a driver with insufficient or no auto insurance, this coverage can protect you.

illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

Medical payments

This covers medical expenses for you and your passengers after an accident, regardless of fault.

illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

Rental car reimbursement

This helps cover the cost of renting a replacement vehicle if your car needs repairs after an accident.

illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

Roadside assistance

Though it varies by each insurer, this coverage typically provides towing, battery jump-starts, flat-tire changes, and emergency fuel delivery.

illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

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 or someone steals your car.

illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

Custom parts and equipment coverage

This protects aftermarket additions to your vehicle, such as upgraded stereo systems or custom rims.

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

Insurify partners with top auto insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket

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.

Here are the cheapest monthly rates in Oklahoma City for drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm9149
USAA11562
Allstate12668
GEICO182100
Farmers193105
Mercury202107
Clearcover208126
Progressive229126
Safeco231107
Direct Auto256155
Shelter272147
National General298121
Midvale Home & Auto308164
CSAA321152
Liberty Mutual347144
The General349176
GAINSCO357166
Foremost362163
Hallmark367174
Bristol West428224
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

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.

Here are the cheapest monthly rates for Oklahoma City drivers with an at-fault accident.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm9451
USAA11864
Allstate13070
GEICO186103
Farmers198107
Mercury207110
Clearcover213130
Progressive235130
Safeco237110
Direct Auto262159
Shelter278150
National General305124
Midvale Home & Auto316168
CSAA329156
Liberty Mutual356147
The General357180
GAINSCO366170
Foremost371167
Hallmark377179
Bristol West439229
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

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 an option that can connect you with a car insurance company.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm10657
USAA13373
Allstate14779
GEICO211117
Farmers225122
Mercury235125
Clearcover242147
Progressive267147
Safeco269125
Direct Auto297181
Shelter316171
National General346140
Midvale Home & Auto358191
CSAA373177
Liberty Mutual404167
The General405204
GAINSCO416193
Foremost421189
Hallmark427203
Bristol West498260
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

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 75 tend to pay more for car insurance than drivers in their 60s and early 70s.

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]

Here are the cheapest auto insurers for senior drivers in Oklahoma City.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm3620
USAA4525
Allstate5027
GEICO7240
Farmers7641
Mercury8042
Clearcover8250
Progressive9150
Safeco9142
Direct Auto10161
Shelter10758
National General11848
Midvale Home & Auto12265
CSAA12760
Liberty Mutual13757
The General13869
GAINSCO14165
Foremost14364
Hallmark14569
Bristol West16988
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

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:

  • Have them join your existing insurance policy.

  • 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.

The following companies offer the cheapest monthly car insurance rates for Oklahoma City teenagers:

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm11663
USAA14679
Allstate16187
GEICO231127
Farmers245133
Mercury257137
Clearcover264161
Progressive292161
Safeco293137
Direct Auto325197
Shelter345186
National General378153
Midvale Home & Auto391209
CSAA408194
Liberty Mutual441183
The General443223
GAINSCO454210
Foremost460207
Hallmark467221
Bristol West544284
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.

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 score.

To find the most affordable car insurance in Oklahoma City, use the following tips:

  • Consider raising your deductible. Setting a higher deductible 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.

  • Take advantage of available discounts. Many insurance companies offer discounts for things like bundling your policies, having a good driving record, or finishing a 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 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.

Find Car Insurance in Oklahoma City

Insurify partners with top auto insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 score as a factor when determining your premium.

Drivers with excellent and good credit scores typically pay better rates than people with poor credit. 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 $237 per month for car insurance on average, which is 71% more than the national average of $139 per month. However, your premiums can vary depending on which part of the city you live in. For instance, Spencer or Forest Park drivers might have lower costs than someone in Moore or Yukon.

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 $289 per month for full-coverage car insurance. See how other cities in the state compare below.

CityAverage Monthly QuoteCompared to Oklahoma City
Broken Arrow$229-21%
Edmond$2870%
Lawton$235-18%
Norman$3076%
Tulsa$280-3%
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 $185 for liability coverage and $289 for full-coverage insurance. The overall average cost of car insurance in Oklahoma City is $237 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 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) A.M. Best financial strength rating, and high marks in customer satisfaction from J.D. Power. Other top insurers in OKC include Allstate and Travelers.

  • 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Institute for Highway Safety. "Fatality Facts 2021 State by State." Accessed July 31, 2023
  2. United States Census Bureau. "QuickFacts: Oklahoma City city, Oklahoma." Accessed August 2, 2023
  3. Oklahoma Insurance Department. "How Does Credit History Affect My Insurance Premium?." Accessed July 31, 2023
  4. NOLO. "Oklahoma Car Insurance Requirements and Laws." Accessed July 31, 2023
  5. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 31, 2023
  6. Oklahoma Insurance Department. "Auto Insurance: Common Myths." Accessed July 31, 2023
  7. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 31, 2023
  8. Insurance Institute for Highway Safety. "Fatality Facts 2021: Older People." Accessed July 31, 2023
  9. National Highway Traffic Safety Administration. "Teen Driving." Accessed July 31, 2023
  10. Oklahoma District Attorneys Council. "Oklahoma Uninsured Vehicle Enforcement Diversion Program." Accessed July 31, 2023
Amy Beardsley
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles