Who Has the Cheapest Car Insurance Quotes in Oklahoma?

Auto insurance costs in Oklahoma are among the highest in the nation. So to help drivers save, we compared auto insurance quotes in the Sooner State to estimate the cost of insurance and identify which companies offered the lowest rates.

We found the average annual cost for car insurance in Oklahoma to be $1,615, however—depending on the insurer—rates ranged from $1,198 to $3,260. Because of this wide range, it's important for Oklahoma drivers to compare quotes in order to get the best rates. Enter your zip code above for a list of local companies to start.

Cheapest Auto Insurance Quotes in Oklahoma

We compared quotes for car insurance from 10 local and national insurers in Oklahoma and found the best rates at Progressive, GEICO, Oklahoma Farmers Union, State Farm, and Oklahoma Farm Bureau. Quotes from these companies were—on average—19% lower than the state mean.

Graph of the Five Cheapest Car Insurance Companies in Oklahoma

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

We recommend that Oklahoma drivers look into Progressive, GEICO, Oklahoma Farmers Union and State Farm because of their low rates. The average annual cost of auto insurance across these four companies was $1,281, which was 21% lower than what the state mean. Below, we've included a table that shows how much it costs our sample driver for a year's coverage at the ten auto insurance companies included in our study.

Rank

Auto Insurance CompanyAverage Car Insurance Annual Rate
1Progressive$1,198
2GEICO$1,206
3Oklahoma Farmers Union$1,323
4State Farm$1,396
5Oklahoma Farm Bureau$1,409
6Farmers$1,473
7Allstate$1,603
8Shelter$1,634
9Safe Auto$1,645
10MetLife$3,260

Best Car Insurance Rates in Oklahoma: by City

Tulsa, Oklahoma City, and Broken Arrow ranked as the most expensive cities in Oklahoma to insure a vehicle. Annual rates from in these three cities were $1,900 on average, $286 greater than the statewide mean. The city of Duncan, on the other hand, had the lowest car insurance costs of the cities we surveyed, with an annual average rate of $1,490. Consult our table below to find the cheapest auto insurers near you.

City

CompanyAnnual Rate
DuncanProgressive$1,140
GEICO$1,170
Oklahoma Farmers Union$1,260
LawtonGEICO$1,077
Progressive$1,124
Oklahoma Farmers Union$1,260
EnidProgressive$1,124
Oklahoma Farmers Union$1,164
GEICO$1,178
SulphurProgressive$1,072
GEICO$1,222
Oklahoma Farmers Union$1,224
ArdmoreProgressive$1,150
GEICO$1,222
Oklahoma Farmers Union$1,260
GuymonProgressive$1,016
GEICO$1,178
Oklahoma Farmers Union$1,200
Boise CityProgressive$1,020
GEICO$1,178
Oklahoma Farmers Union$1,188
Pauls ValleyProgressive$1,104
GEICO$1,222
Oklahoma Farmers Union$1,296
HugoProgressive$1,198
GEICO$1,222
Oklahoma Farmers Union$1,296
DurantProgressive$1,184
GEICO$1,222
Oklahoma Farmers Union$1,296
AdaProgressive$1,080
GEICO$1,222
Oklahoma Farmers Union$1,248
SallisawProgressive$1,142
Oklahoma Farmers Union$1,248
GEICO$1,269
BartlesvilleOklahoma Farm Bureau$1,104
Progressive$1,168
Oklahoma Farmers Union$1,260
TahlequahProgressive$1,166
Oklahoma Farmers Union$1,224
GEICO$1,269
ClintonProgressive$1,052
Oklahoma Farmers Union$1,176
GEICO$1,178
MiamiProgressive$1,120
GEICO$1,269
Oklahoma Farmers Union$1,272
GroveProgressive$1,136
Oklahoma Farmers Union$1,248
GEICO$1,269
StiglerProgressive$1,098
Oklahoma Farmers Union$1,248
GEICO$1,269
Elk CityProgressive$1,100
GEICO$1,178
Oklahoma Farmers Union$1,200
AlvaProgressive$1,106
GEICO$1,178
Oklahoma Farmers Union$1,188
AltusGEICO$991
Progressive$1,048
Oklahoma Farmers Union$1,164
PoteauProgressive$1,142
GEICO$1,269
Oklahoma Farm Bureau$1,272
CordellOklahoma Farmers Union$1,152
GEICO$1,178
Progressive$1,220
KingfisherProgressive$1,160
GEICO$1,178
Oklahoma Farmers Union$1,212
WoodwardProgressive$1,120
GEICO$1,178
Oklahoma Farmers Union$1,248
ClaremoreGEICO$1,189
Progressive$1,260
Oklahoma Farmers Union$1,308
StillwaterProgressive$1,140
GEICO$1,165
Oklahoma Farmers Union$1,200
McAlesterProgressive$1,096
GEICO$1,222
Oklahoma Farmers Union$1,308
MuskogeeOklahoma Farm Bureau$1,056
Progressive$1,176
GEICO$1,210
FrederickGEICO$991
Progressive$1,032
Oklahoma Farmers Union$1,212
BlackwellProgressive$1,148
Oklahoma Farmers Union$1,164
GEICO$1,165
NewkirkGEICO$1,165
Oklahoma Farmers Union$1,176
Progressive$1,188
Ponca CityGEICO$1,165
Progressive$1,196
Oklahoma Farmers Union$1,200
WagonerProgressive$1,146
GEICO$1,189
Oklahoma Farmers Union$1,320
SeminoleProgressive$1,118
GEICO$1,222
Oklahoma Farmers Union$1,236
ChickashaProgressive$1,222
GEICO$1,231
Oklahoma Farmers Union$1,308
MannfordGEICO$1,222
Progressive$1,240
Oklahoma Farmers Union$1,308
PurcellProgressive$1,218
GEICO$1,231
Oklahoma Farmers Union$1,308
ShawneeProgressive$1,188
Oklahoma Farmers Union$1,236
GEICO$1,304
CowetaGEICO$1,189
Progressive$1,256
Oklahoma Farmers Union$1,296
NormanGEICO$1,144
Progressive$1,306
Oklahoma Farmers Union$1,344
SapulpaGEICO$1,200
Oklahoma Farmers Union$1,260
State Farm$1,356
AntlersProgressive$1,162
GEICO$1,222
Oklahoma Farmers Union$1,344
CollinsvilleGEICO$1,200
Progressive$1,322
State Farm$1,392
OwassoGEICO$1,200
Progressive$1,312
State Farm$1,356
El RenoGEICO$1,193
Progressive$1,290
Oklahoma Farmers Union$1,368
SkiatookGEICO$1,225
Progressive$1,320
State Farm$1,356
EdmondGEICO$1,145
Progressive$1,278
Farmers$1,476
Sand SpringsGEICO$1,200
Progressive$1,294
State Farm$1,356
BixbyGEICO$1,280
Oklahoma Farmers Union$1,380
State Farm$1,392
JenksGEICO$1,200
Progressive$1,312
Oklahoma Farm Bureau$1,488
GlenpoolGEICO$1,200
Progressive$1,396
Oklahoma Farm Bureau$1,488
Broken ArrowGEICO$1,280
Progressive$1,462
Farmers$1,560
Oklahoma CityGEICO$1,246
State Farm$1,404
Farmers$1,488
TulsaGEICO$1,471
Progressive$1,544
Oklahoma Farm Bureau$1,572

Oklahoma City, OK

Oklahoma City—or OKC to locals—is the largest city in Oklahoma and is known it's severe weather and for being the home of the Oklahoma City Thunder NBA team. According to our research, OKC drivers—on average—pay the second highest rates of any city in the state, with annual costs $272 greater than the Oklahoma mean.

Graph of the Five Cheapest Auto Insurers in Oklahoma City

Tulsa, OK

Located in Northeastern Oklahoma, the city of Tulsa has been a central part of the US oil industry since it's first well was established in 1901. Despite its close ties to the automotive industry, with its oil connections, Tulsans pay the highest rates in the state for car insurance at $1,942 per year on average. Those near the Tulsa area looking for the cheapest rates should consider GEICO—which provided the lowest rate for our benchmark driver at $1,471 per year, 24% less than the city average.

Graph of the Five Cheapest Auto Insurers in Tulsa

Norman, OK

The city of Norman, located just 20 miles southwest of Oklahoma City, is the home to the University of Oklahoma. Despite it's close proximity to OKC, Norman residents can expect to pay 12% less per year for their auto insurance, according to our research.

Graph of the Five Cheapest Auto Insurers in Norman

Broken Arrow, OK

The Tulsa suburb of Broken Arrow is the fourth largest city in Oklahoma. Our research showed that the annual car insurance rates in Broken Arrow were only 4% lower than Tulsa's. Broken Arrow residents looking for cheap auto insurance should start with GEICO, Progressive and Farmers—who provided the lowest quotes in the city.

Graph of the Five Cheapest Auto Insurers in Broken Arrow

Lawton, OK

Unlike the other largest cities in Oklahoma, Lawton had some of the lowest car insurance rates in the state, according to the quotes we gathered. Car insurance costs in Lawton were 7% lower than the Oklahoma average. However, just because car insurance rates in Lawton were generally low, it doesn't mean that you shouldn't shop around—as there was a $1,692 per-year difference between the cheapest and most expensive insurer.

Graph of the Five Cheapest Auto Insurers in Lawton

Best Auto Insurance Companies in Oklahoma

To find the best auto insurers in Oklahoma, we analyzed complaints against the ten largest companies in Oklahoma. Specifically, we considered companies' complaint ratio, which is the amount of complaints received divided by premiums per million for a company. The smaller the complaint ratio, the happier the consumers are with their providers, we infer. The three companies in Oklahoma with the best auto insurance ratings are: Oklahoma Farm Bureau, State Farm and Shelter.

Rank

CompanyDirect PremiumsComplaint Ratio
1Oklahoma Farm Bureau$54,794,0000.20
2State Farm$336,936,0000.50
3Shelter$48,116,0000.70
4Allstate$102,474,0000.73
5Farmers$172,523,0000.74
5Progressive$118,239,0000.74
7Berkshire Hathaway (GEICO)$84,702,0000.75
8USAA$80,953,0000.87
8CSAA$57,151,0000.87
10Liberty Mutual$83,990,0000.99

Oklahoma Car Insurance Requirements

The state of Oklahoma requires that all registered motorists maintain a minimum level of liability insurance. Drivers have to have both bodily injury liability coverage as wells as property damage liability coverage. Below we've included the minimum auto insurance limits for Oklahoma.

Insurance CoverageOklahoma Minimum Coverage
Bodily Injury (BI) (per person / per accident)$25,000 / $50,000
Property Damage (PD)$55,000

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