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 $34 per month.

Amy Beardsley
Written byAmy Beardsley
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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.

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Katie Powers
Edited byKatie Powers
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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.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 March 14, 2024

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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 $110 per month for liability and $222 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 $166 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]

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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.

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.
$65/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 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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 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
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.
$90/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

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

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Claim history can lead to higher insurance rates

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

  • Some Android users report issues with the mobile app

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 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.
$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.
$90/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 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

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 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: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm34
USAA43
Allstate48
Safeco66
GEICO69
Farmers73
Mercury73
Clearcover80
Progressive83
National General87
Liberty Mutual98
Shelter102
CSAA103
Direct Auto105
Midvale Home & Auto108
GAINSCO113
The General116
Hallmark123
Foremost125
Bristol West160
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: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm65
USAA82
Allstate90
GEICO129
Clearcover132
Farmers138
Mercury144
Safeco156
Progressive160
Direct Auto165
National General187
Shelter194
CSAA212
Midvale Home & Auto219
The General242
Liberty Mutual247
GAINSCO252
Hallmark262
Foremost272
Bristol West323
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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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 such as a tree, fence, or light pole. Collision also pays for damages from rollover accidents or from hitting a pothole.

  • 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, emergency fuel delivery, and towing.

  • 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 in an accident 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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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 $42/mo. for drivers with motor vehicle infractions

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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.

Oklahoma City drivers with speeding tickets see average monthly rates of $165 for liability coverage, and $333 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: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm8544
USAA10857
Allstate11963
GEICO17191
Farmers18397
Clearcover189114
Mercury218111
Progressive220114
Direct Auto226144
Safeco22695
National General249116
Shelter281148
CSAA290141
GAINSCO325146
The General330158
Liberty Mutual351139
Bristol West434215
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.

Overall, car insurance with an accident averages $251 per month for Oklahoma City drivers. Here are the cheapest monthly rates for Oklahoma City drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm8846
USAA11259
Allstate12366
GEICO17795
Farmers189100
Clearcover213129
Mercury225114
Progressive228118
Direct Auto234149
Safeco23499
National General261121
Shelter290152
CSAA305148
GAINSCO340152
The General342164
Liberty Mutual363144
Bristol West442219
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

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 $188 per month for liability-only coverage, and $380 for full coverage.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm10655
USAA13470
Allstate14778
GEICO210112
Clearcover215130
Farmers225119
Mercury240122
Safeco254108
Progressive261135
Direct Auto269171
Shelter296156
National General305142
CSAA346168
The General395189
Liberty Mutual403160
GAINSCO411184
Foremost443204
Bristol West527261
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 70 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]

OKC senior drivers pay a monthly average of $164 for full coverage and $110 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: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm3418
USAA4926
Allstate5328
GEICO7440
Progressive7539
Farmers7741
Shelter9148
Mercury9448
Direct Auto9561
Safeco10846
Clearcover11268
National General12859
Liberty Mutual14959
The General16278
GAINSCO17277
Bristol West19798
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:

  • 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 $416. The following companies offer the cheapest monthly car insurance rates for Oklahoma City teenagers:

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm11460
USAA13973
Allstate16286
GEICO209112
Clearcover242147
Farmers247130
Mercury272138
Safeco286121
Progressive293152
Direct Auto309197
Shelter341179
CSAA365177
National General365170
The General398191
Liberty Mutual429170
GAINSCO465209
Foremost499230
Bristol West552273
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 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.

Find Car Insurance in Oklahoma City

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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 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 $166 per month for car insurance on average, which is more than the national average of $157 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 $222 per month for full-coverage car insurance. See how other cities in the state compare below.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Bartlesville$162$75
Enid$179$78
Lawton$209$85
Norman$215$99
Tulsa$241$109
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 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 $34 per month. USAA and Allstate are the second- and third-cheapest insurers in the city, with liability only rates of $43 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 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
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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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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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