Cheapest Car Insurance Quotes in Oklahoma
Drivers in Oklahoma can find rates as low as $35 per month with State Farm. Compare real quotes from top companies and buy your policy all in one place.
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Written byCarley Clark
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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
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Cheapest car insurance quotes in Oklahoma
Oklahoma car insurance costs an average of $83 per month for liability-only coverage and $171 for full coverage. This is lower than the national average of $98 per month for liability insurance and $187 for full coverage, according to Insurify data.
Though Oklahoma rates are below the national average, costs have increased substantially in recent years. The Oklahoma Insurance Department (OID) attributes rate hikes to inflation and rising material and labor costs.[1]
Insurers must file rate changes with the OID, but the department can’t reject a rate for being too high. Oklahoma relies on the competitive market to keep rates in check, which means drivers in the Sooner State may have less regulatory protection against rate hikes than in other states.
The table below shows cheap car insurance in Oklahoma for different coverage levels and driving profiles based on quotes from 120+ companies.
Driver Category  | Cheapest Insurance Company in OK | Cheapest Monthly Quote in OK |
|---|---|---|
| Overall | State Farm | $35 |
| State-minimum coverage | State Farm | $35 |
| Full coverage | State Farm | $78 |
| Drivers with a clean record | State Farm | $35 |
| After a speeding ticket | State Farm | $45 |
| After an at-fault accident | State Farm | $46 |
| After a DUI | State Farm | $46 |
| Teen/new drivers | State Farm | $69 |
| Seniors | State Farm | $29 |
| Bad credit | State Farm | $50 |
Disclaimer: Table data is based on real-time Oklahoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest liability-only car insurance in Oklahoma: State Farm
State law requires bodily injury and property damage liability to drive legally in Oklahoma. Driving without coverage is a misdemeanor, with penalties including fines of up to $250, up to 30 days in jail, and a license suspension.[2]
Oklahoma is an at-fault state, meaning the driver responsible for the crash pays for damages. If your liability insurance falls short, the other party can sue you for the remaining costs, which is why insurers often recommend higher limits.
The average rate for Oklahoma liability coverage is $83 per month — cheaper than full coverage. State Farm offers the lowest average rates in the state.
You can compare quotes for cheap liability car insurance in Oklahoma below.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $35 |
| USAA | $45 |
| Allstate | $49 |
| Progressive | $58 |
| Mercury | $61 |
| National General | $71 |
| The General | $73 |
| AssuranceAmerica | $75 |
| Farmers | $75 |
| Safeco | $82 |
| GEICO | $84 |
| Bristol West | $94 |
| Root | $97 |
| GAINSCO | $105 |
| Shelter | $106 |
| Direct Auto | $109 |
| CSAA | $115 |
| Liberty Mutual | $157 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Agent Tip: Is liability-only insurance enough in Oklahoma?
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Brett Clendenen
Licensed P&C Insurance Agent and Sales Manager, Insurify
Liability-only coverage can be enough in certain situations. It protects other people if you cause an accident, but it won’t pay for your own car or injuries. For Oklahoma drivers who can afford to replace their car out of pocket, it can be a reasonable way to save on premiums. Another thing to consider is whether your liability limits are high enough. State minimums often fall short in a serious accident, and that can leave you paying out of pocket.
Cheapest full-coverage car insurance in Oklahoma: State Farm
Oklahoma full-coverage auto insurance averages $171 per month — more than liability-only coverage — but it includes comprehensive and collision coverage.
The added cost may be worth it in Oklahoma, seeing as the state recorded 152 tornadoes in 2024 — the most since records began in 1950.[3] Oklahoma also saw a total of 66,074 crashes in 2021. Without full coverage, you’d have to pay for vehicle repairs out of pocket if you have a car crash.[4]
Below are quotes for cheap full-coverage car insurance in Oklahoma, with the best average rates from State Farm.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $78 |
| USAA | $97 |
| Allstate | $108 |
| Progressive | $121 |
| Mercury | $133 |
| National General | $143 |
| AssuranceAmerica | $148 |
| Root | $156 |
| Safeco | $162 |
| Farmers | $165 |
| GEICO | $174 |
| CSAA | $181 |
| The General | $199 |
| Direct Auto | $204 |
| Bristol West | $226 |
| Shelter | $232 |
| Liberty Mutual | $249 |
| GAINSCO | $292 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Oklahoma
Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $97/mo for full coverage in Oklahoma.
*Quotes generated for Insurify users from Oklahoma within the last 10 days. Last updated on May 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Oklahoma within the last 10 days. Last updated on May 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Best cheap car insurance companies in Oklahoma
Rates and coverage options vary across the estimated 100–115 insurers operating in Oklahoma. Shopping around can help you find the cheapest auto insurance for you. The following are our picks for the best car insurance companies in Oklahoma.
State Farm: Best for teen drivers in Oklahoma
| 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. | 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. | $78/mo |
4.0
Best choiceBased on 17,636 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 25 reviews from Oklahoma driversSee all 7,473 State Farm reviews
Verified Review
Reviewed in Oklahoma on April 26, 2026
I have asked this company for discounts and to give me a price that reflects my actual coverage needs. Yet pricing remains at a premium that they say they can't change. I have a perfect driving record with no accidents in my entire lifetime of driving and no tickets either. I want the cheapest coverage mandated by law for liability. I own my vehicle, and it is 35 years old but has been rebuilt from the ground up. It's just like new.
Verified Review
Reviewed in Oklahoma on April 2, 2026
No problem with them. I've been with them for close to 60 years.
Verified Review
Reviewed in Oklahoma on April 1, 2026
Too expensive, rates go up way too much in a short time!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Oklahoma teen drivers are almost three times more likely to be in a fatal crash than drivers 20 or older, so finding affordable coverage can be challenging.
State Farm offers several discounts for teens, including student away at school, driver training, and good student discounts. Its Drive Safe & Save program can provide additional savings while allowing parents to monitor their teens’ driving behavior.
Pros
Young drivers can save with the Steer Clear program
Largest insurer in the country, according to the NAIC
Above-average ranking in J.D. Power Study for the Central region
Cons
Doesn’t offer accident forgiveness
AM Best financial strength rating recently downgraded to A+ (Superior)
USAA: Best for military members in Oklahoma
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/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. | $97/mo |
4.9
Best choiceBased on 3,527 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 11 reviews from Oklahoma driversSee all 1,552 USAA reviews
Verified Review
Reviewed in Oklahoma on April 29, 2026
Good coverage, excellent customer service.
Verified Review
Reviewed in Oklahoma on April 25, 2026
Excellent service but very pricey.
Verified Review
Reviewed in Oklahoma on March 28, 2026
I must say, honestly, I like the coverage. It's just not affordable for my budget, being that I'm a disabled widow of a veteran.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
Oklahoma is home to 11 military installations and about 290,000 veterans. USAA has served the military community for more than 100 years and offers competitive auto insurance rates for active-duty service members, veterans, and their families. It also provides military-specific perks, like a discount for garaging your vehicle on base or storing it during deployment.
Pros
Excellent J.D. Power customer satisfaction rating in the Central region
SafePilot program can save drivers up to 30% on their premium
A+ (Superior) AM Best financial strength rating
Cons
Membership limited to military members and their families
No customer service available on Sundays
No physical locations in Oklahoma
Allstate: Best for good drivers in Oklahoma
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /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. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
3.8
A solid optionBased on 10,501 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 16 reviews from Oklahoma driversSee all 4,421 Allstate reviews
Verified Review
Reviewed in Oklahoma on April 25, 2026
Mediocre. I think Allstate should have guided me more on my auto insurance because later I found out I was paying way too much. It would've been nice if they gave me what I really needed. I am 83 years old and I do not drive but maybe two or three times a week, just short distances. I've never had a wreck or a ticket, but I'm paying the premium for my insurance and I need that money for other things. I live on Social Security and I don't have much to go around. I have my auto and home insurance with Allstate.
Verified Review
Reviewed in Oklahoma on April 20, 2026
The price keeps increasing. The discount for good drivers doesn't help at all. Probably the only way to save is not to drive your car at all. Maybe that would be cheaper.
Verified Review
Reviewed in Oklahoma on April 10, 2026
I just switched to another insurance provider with better coverage for less money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Oklahoma recorded around 7,900 distracted driving crashes in 2021, according to the Oklahoma Highway Safety Office (OHSO). Allstate’s Drivewise program rewards safe drivers by tracking behaviors such as hard braking, speeding, and phone use while driving.
Along with its telematics program, Allstate offers affordable rates for drivers with clean records and discounts for having safety features and paying your bill on time.
Pros
Offers rideshare insurance
A+ (Superior) AM Best financial strength rating
Accident forgiveness available
Cons
Below-average ranking in J.D. Power Study for the Central region
May find lower rates from some competitors
Fewer available discounts than other insurers
How car insurance costs in Oklahoma have changed
Oklahoma auto insurance premiums rose approximately 39% between 2020 and 2023, according to the OID. Inflation and rising claims costs contributed to these increases, as material and labor prices surged.
The average cost of car insurance in Oklahoma was $1,971 per year at the end of 2025, according to Insurify data. Insurify projects a 1.2% increase by the end of 2026, bringing the average premium to $1,995 per year.
Average car insurance costs in Oklahoma over time
Oklahoma car insurance rates have risen considerably over the past five years. Here’s how average monthly premiums have changed.
Average Oklahoma Car Insurance Rates Over the Past Five Years
State Name | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Oklahoma | 1,450 | 1,457 | 1,458 | 1,456 | 1,468 | 1,467 | 1,470 | 1,472 | 1,472 | 1,470 | 1,471 | 1,461 | 1,467 | 1,476 | 1,487 | 1,502 | 1,501 | 1,491 | 1,497 | 1,509 | 1,516 | 1,545 | 1,566 | 1,601 | 1,627 | 1,656 | 1,686 | 1,707 | 1,702 | 1,733 | 1,756 | 1,773 | 1,783 | 1,811 | 1,852 | 1,926 | 1,999 | 2,075 | 2,149 | 2,167 | 2,157 | 2,151 | 2,092 | 2,073 | 2,090 | 2,101 | 2,127 | 2,143 | 2,167 | 2,183 | 2,196 | 2,201 | 2,168 | 2,150 | 2,104 | 2,082 | 2,074 | 2,060 | 2,060 | 2,058 | 2,046 |
| United States | 1,559 | 1,557 | 1,552 | 1,555 | 1,558 | 1,558 | 1,562 | 1,567 | 1,569 | 1,569 | 1,573 | 1,579 | 1,592 | 1,603 | 1,608 | 1,613 | 1,619 | 1,626 | 1,633 | 1,641 | 1,650 | 1,667 | 1,690 | 1,720 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,957 | 1,984 | 2,006 | 2,037 | 2,077 | 2,129 | 2,194 | 2,240 | 2,300 | 2,342 | 2,368 | 2,389 | 2,385 | 2,373 | 2,369 | 2,361 | 2,349 | 2,364 | 2,366 | 2,365 | 2,355 | 2,341 | 2,317 | 2,285 | 2,257 | 2,228 | 2,214 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 |
Find Cheap Car Insurance in Oklahoma
Liability quotes start as low as $35/mo.
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Oklahoma car insurance requirements
Oklahoma car insurance requirements include liability coverage to help pay for damage if you cause an accident. You must have $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for property damage.
Oklahoma is an at-fault state, meaning accident victims file claims with the at-fault driver’s insurance. Here are Oklahoma’s minimum coverage requirements.
Coverage Type | State Minimum Coverage Limit |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
The state doesn’t require uninsured/underinsured motorist (UM/UIM) coverage, but the Oklahoma District Attorneys Council estimates that about 26% of drivers may be uninsured. Oklahoma’s Uninsured Vehicle Enforcement Diversion program uses cameras to identify uninsured motorists, but adding UM/UIM coverage can help protect you if you have an accident with one.
Car insurance rates across Oklahoma cities
Drivers in Ponca City and Enid pay some of the lowest average rates in Oklahoma, while Oklahoma City and Tulsa rank among the most expensive cities in the state.
Oklahoma City and Tulsa experience heavy traffic congestion and a higher volume of accidents. Together, the two cities recorded 26,903 crashes in 2021 — accounting for about 40% of the state’s total, according to OHSO.
The table below compares average monthly car insurance quotes across cities in Oklahoma.
City | Average Monthly Quote |
|---|---|
| Ardmore | $122 |
| Bartlesville | $121 |
| Enid | $112 |
| Lawton | $127 |
| Muskogee | $125 |
| Norman | $139 |
| Oklahoma City | $156 |
| Ponca City | $113 |
| Stillwater | $116 |
| Tulsa | $142 |
Disclaimer: Table data is based on real-time Oklahoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Car insurance quotes in Oklahoma for drivers with a clean record: State Farm
Good drivers can find some of the best car insurance rates in Oklahoma, a state with already low premiums. In Oklahoma, insurers can only look back three years on your driving record when calculating your rate. If you’re in an accident that wasn’t your fault, the Oklahoma Insurance Code prohibits insurers from raising your premiums.
The table below shows car insurance quotes in Oklahoma for a clean driving record and good credit, with the lowest average rates from State Farm.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| USAA | $42 |
| Allstate | $48 |
| Progressive | $57 |
| Mercury | $58 |
| National General | $63 |
| AssuranceAmerica | $65 |
| The General | $68 |
| Farmers | $70 |
| GEICO | $80 |
| Safeco | $85 |
| Bristol West | $89 |
| Shelter | $94 |
| Root | $95 |
| GAINSCO | $97 |
| Direct Auto | $101 |
| CSAA | $128 |
| Liberty Mutual | $159 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Oklahoma for drivers with a speeding ticket: State Farm
In Oklahoma, the minimum bond amount for speeding between one and 10 mph is $100, rising to $654 if you were going 36 or more in a construction, school, or toll booth zone. Speeding also adds points to your driving record, and the state can suspend your license if you accrue 10 or more points within five years.
Insurify data shows that almost 4% of Oklahoma drivers have a speeding ticket. Drivers with a ticket pay an average of $108 per month for liability auto coverage. You can compare cheap Oklahoma car insurance quotes below for drivers with a speeding ticket, with State Farm offering the cheapest average rates.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| USAA | $59 |
| Allstate | $65 |
| Progressive | $75 |
| Mercury | $86 |
| National General | $90 |
| AssuranceAmerica | $97 |
| Farmers | $98 |
| The General | $99 |
| Safeco | $110 |
| GEICO | $112 |
| Bristol West | $121 |
| GAINSCO | $128 |
| Root | $131 |
| Direct Auto | $139 |
| Shelter | $143 |
| CSAA | $152 |
| Liberty Mutual | $203 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Affordable car insurance in Oklahoma with an at-fault accident: State Farm
About 4% of Oklahoma drivers have an at-fault accident on their driving record, according to Insurify data. OHSO recorded 706 crash fatalities in 2023. Insurers can legally raise your rates after an at-fault accident in Oklahoma, but they can’t base the surcharge on the dollar amount of the claim.
The average cost of insurance for Oklahoma drivers with an accident on their record is $106 per month for liability coverage, with State Farm offering the cheapest average rates.
Below are quotes for affordable liability car insurance in Oklahoma after an accident.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| USAA | $59 |
| Allstate | $65 |
| Progressive | $74 |
| Mercury | $90 |
| National General | $93 |
| AssuranceAmerica | $98 |
| Farmers | $99 |
| The General | $99 |
| GEICO | $109 |
| Safeco | $112 |
| Bristol West | $122 |
| Root | $128 |
| GAINSCO | $132 |
| Shelter | $142 |
| Direct Auto | $146 |
| CSAA | $169 |
| Liberty Mutual | $205 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes for Oklahoma drivers with a DUI: State Farm
Less than 1% of Oklahoma drivers have a driving under the influence (DUI) conviction, according to Insurify data. The fines and fees for a DUI can cost more than $10,000 in Oklahoma, according to OHSO. Your first offense could result in up to one year in jail, a fine of up to $1,000, and a 180-day license suspension.
Insurify data shows that Oklahoma drivers with a DUI pay $101 per month on average for liability car insurance. The table below shows the cheapest car insurance in Oklahoma after a DUI.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| USAA | $60 |
| Allstate | $65 |
| Progressive | $70 |
| Mercury | $86 |
| The General | $93 |
| National General | $94 |
| AssuranceAmerica | $99 |
| Farmers | $99 |
| GEICO | $110 |
| Safeco | $116 |
| Bristol West | $125 |
| Root | $130 |
| GAINSCO | $139 |
| Shelter | $142 |
| Direct Auto | $144 |
| CSAA | $152 |
| Liberty Mutual | $208 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Compare Oklahoma Car Insurance Quotes
Liability insurance averages $97 per month for high-risk drivers
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Cheapest car insurance for teen drivers in Oklahoma: State Farm
Teen drivers in Oklahoma pay high insurance rates, averaging $154 per month. They’re more likely than any age group to get into a crash, with 25% of 16-year-olds receiving a ticket or getting into an accident within their first year of driving.
Oklahoma teens can get a learner’s permit at age 15, and the state requires them to complete a four-phase Graduated Driver License program. The state was also the first to require teens to take the free Oklahoma Work Zone Safe Course before receiving their intermediate license.
State Farm and USAA provide the lowest average rates for young drivers. Here are quotes for the most affordable car insurance in Oklahoma for teen drivers.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $69 |
| USAA | $84 |
| Allstate | $98 |
| Progressive | $108 |
| Mercury | $113 |
| The General | $133 |
| National General | $144 |
| Farmers | $152 |
| GEICO | $154 |
| AssuranceAmerica | $157 |
| Safeco | $168 |
| Bristol West | $169 |
| Root | $171 |
| GAINSCO | $190 |
| Shelter | $214 |
| Direct Auto | $214 |
| CSAA | $221 |
| Liberty Mutual | $279 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes in Oklahoma for senior drivers: State Farm
Senior drivers make up a large share of Oklahoma roads. Between 2000 and 2020, the number of Oklahoma residents aged 65 or older rose by 43% and now accounts for 17% of the state’s population.[5]
Oklahoma seniors can participate in the CarFit educational program, which assesses how well their vehicle fits them, including seat belt fit, steering wheel tilt, and mirror positioning.
The average cost of car insurance for drivers 60 or older is $77 per month, with the lowest average rates from State Farm and USAA. Below are quotes for the cheapest liability auto insurers in Oklahoma for senior drivers.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $29 |
| USAA | $38 |
| Allstate | $41 |
| Mercury | $50 |
| Progressive | $54 |
| National General | $58 |
| AssuranceAmerica | $61 |
| Farmers | $62 |
| The General | $64 |
| GEICO | $69 |
| Safeco | $74 |
| Shelter | $79 |
| Bristol West | $81 |
| Root | $84 |
| Direct Auto | $93 |
| CSAA | $93 |
| GAINSCO | $93 |
| Liberty Mutual | $135 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Oklahoma car insurance quotes with bad credit: State Farm
In Oklahoma, insurers can consider your credit history when you purchase, change, or renew your car insurance. That said, under the Use of Credit Information in Personal Insurance Act (36 O.S. § 950), insurers can’t deny you coverage solely based on your credit information.
Drivers with bad credit in Oklahoma pay an average of $104 per month for car insurance — more than drivers with good credit. Drivers can find the cheapest average rates with State Farm. The table below shows affordable Oklahoma liability car insurance rates for drivers with bad credit.
The below rates in Oklahoma are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| USAA | $55 |
| Allstate | $60 |
| Progressive | $73 |
| Mercury | $75 |
| National General | $88 |
| The General | $90 |
| AssuranceAmerica | $92 |
| Farmers | $92 |
| Safeco | $101 |
| GEICO | $104 |
| Bristol West | $116 |
| Root | $120 |
| GAINSCO | $129 |
| Shelter | $131 |
| Direct Auto | $134 |
| CSAA | $142 |
| Liberty Mutual | $188 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Oklahoma car insurance FAQs
With roughly one in four drivers uninsured and its location in the heart of Tornado Alley, Oklahoma presents unique challenges for drivers seeking auto coverage. The information below can help answer your questions about coverage options and costs.
What are the minimum auto insurance requirements in Oklahoma?
Oklahoma requires liability car insurance with minimum coverage limits of $25,000 per person or $50,000 per accident for bodily injuries and $25,000 for property damage. Driving without the required coverage in Oklahoma can result in a misdemeanor, fines, and jail time.
How much is car insurance in Oklahoma?
Oklahoma car insurance premiums average $83 per month for minimum liability coverage and $171 per month for full coverage. Your actual premium may vary based on your location, age, driving history, deductible, and coverage limits.
Which company has the cheapest car insurance in Oklahoma?
State Farm offers the cheapest car insurance in Oklahoma, with liability rates of $35 per month. Rates vary by driver, so it’s best to compare quotes from multiple companies. An insurance agent can help you find the right coverage at the best price for your situation.
What is the average premium for full-coverage car insurance in Oklahoma?
A full-coverage auto insurance policy in Oklahoma costs an average of $171 per month, which includes collision and comprehensive coverage.
Are there good driver discounts in Oklahoma?
You may qualify for a claims-free discount on your car insurance policy. Oklahoma requires insurers to offer a three-year discount if you complete an approved accident prevention course (unless the court ordered it).
Sources
- Oklahoma Insurance Department. "Rising Insurance Premiums."
- Oklahoma Statutes Title 47, § 7-606. "Failure to Maintain Insurance or Security – Failure to Provide Proof of Insurance or Security – Penalties."
- Weather.gov. "Monthly/Annual statistics for Tornadoes in Oklahoma (1950-Present)."
- Oklahoma Highway Safety Office (OHSO). "2021 Highway Safety Crash Facts Book – Section 2: Crashes & Persons in Crashes."
- U.S. Census Bureau. "QuickFacts: Oklahoma."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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State Farm offers the cheapest rates in Stillwater for $32 per month.
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology