Who Has the Cheapest Car Insurance Quotes in Oklahoma?

Find the Cheapest Auto Insurance Quotes in Your Area

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The cost of a full coverage car insurance policy in Oklahoma is 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 $2,659, however — depending on the insurer — rates ranged from $1,516 to $5,042. Average rates also varied by almost $600 depending on the location of the driver.

Because of this wide range in prices, it's important for Oklahoma drivers to compare quotes in order to get their cheapest ones available. Enter your ZIP code above for a list of local companies to start, or read on to use your analysis of rates as a guide to shopping for car insurance in Oklahoma.

Cheapest auto insurance rates in Oklahoma

Comparing car insurance quotes from eight major insurers in Oklahoma, we found that State Farm, the Oklahoma Farm Bureau and Progressive offer the cheapest rates. Rates from these three insurers averaged to $1,931 per year — 27% lower than the state average — though rates for State Farm were particularly affordable at $1,516 per year.

Graph of the cheapest car Insurance companies in Oklahoma
Graph of the cheapest car Insurance companies in Oklahoma

Find the Cheapest Auto Insurance Quotes in Your Area

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Overall, State Farm is the best provider for low cost auto insurance in Oklahoma. For Oklahomans who qualify, USAA is also a very affordable option for a full coverage policy. Its average rate for our sample driver was $1,967 per year, the second cheapest among all insurers.

RankCompanyAverage annual premium
1State Farm$1,516
2Oklahoma Farm Bureau$2,017
3Progressive$2,261
4Allstate$2,464
5Shelter$2,764
6GEICO$3,239
7Farmers$5,042
N/A*USAA$1,967
USAA was not ranked as it is only available to military members, veterans and their family members.

Cheapest full coverage auto insurance: State Farm

A full coverage policy — in Oklahoma and elsewhere — includes base liability coverage but also comprehensive and collision insurance, which means damage to your own car will be covered. Liability insurance only covers damage or injury to others for which you're responsible. In Oklahoma, State Farm had the cheapest full coverage policies on average. The next closest competitors were the Oklahoma Farm Bureau and Progressive.

  • State Farm charged our sample driver $1,516 per year for a full coverage policy. For a policy including liability, comprehensive and collision insurance, it was easily the cheapest provider available.
  • Oklahoma Farm Bureau cost our driver $2,017 per year, almost $500 more than State Farm. Shoppers should also note that a policy requires a Farm Bureau membership, which costs $25 to $50 per year depending on where you live.
  • Progressive full coverage policies had an average annual rate of $2,261, or $188 per month.

Cheapest minimum coverage auto insurance: State Farm

A minimum coverage policy is one that fulfills the level of auto coverage required by Oklahoma state law and nothing more. It is the cheapest policy car insurance you can buy in Oklahoma. If you're looking for cheap minimum liability car insurance, State Farm has the most affordable rates of our surveyed providers.

  • State Farm minimum coverage policies had an average cost of $448 per year, or $37 per month.
  • For $524 per year on average, our sample driver got an equivalent policy with Oklahoma Farm Bureau, the second cheapest provider.
  • Qualifying drivers should also shop with USAA. At a cost of $373 per year on average, it was easily the cheapest Oklahoma insurer for our driver.

Although a minimum liability policy will ensure you have met state requirements for auto insurance policy, its coverage will only go so far. Drivers with this policy will solely be covered for damage and injury they cause to others up to their chosen limits, as a minimum policy only includes liability insurance.

Electing for a minimum coverage auto insurance does provide you with savings. On average, it is 72% cheaper than our recommended full coverage policy in Oklahoma.

Cheapest auto insurance after an accident: State Farm

If you have a recent accident history, an insurer will almost certainly charge you higher rates than they would otherwise. In fact, the Oklahoma insurers in our sample charged 41% more on average when the same driver profile had an accident causing $2,000 in property damage.

State Farm had the cheapest rates for our sample driver with an accident: $1,724 per year, or $144 per month. Oklahoma Farm Bureau is also a good option: After the accident, it raised rates for our sample driver by only $182 per year, less than any other insurer.

RankCompanyRates after accidentRates before accidentDifference
1State Farm$1,724$1,516$208
2Oklahoma Farm Bureau$2,199$2,017$182
3Allstate$3,393$2,464$929
4Progressive$3,703$2,261$1,442
5Shelter$4,298$2,764$1,534
6GEICO$5,008$3,239$1,769
7Farmers$6,926$5,042$1,884
N/AUSAA$2,754$1,967$787
USAA was not ranked as it is only available to military members, veterans and their family members.

State Farm’s offering the cheapest rates in all three of these categories shouldn't stop you from shopping around for multiple quotes. The cheapest insurer for you may be different than it is for our sample driver, so use our numbers as a guide for which insurers to investigate when you start insurance shopping.

Best car insurance companies in Oklahoma

Buying car insurance isn't just about affordability: You'll also want a provider that has a good customer service reputation and responds timely to claims. Our preferred measures for evaluating customer service is the rate that customers lodge official complaints — a complaint index — with a lower rate of complaints indicating better service. By this standard, the following three insurers rank tops in Oklahoma:

  • Oklahoma Farm Bureau
  • State Farm
  • Shelter Insurance

Given that State Farm and Oklahoma Farm Bureau rank among the most affordable in the state and have some of the best customer service reputations, auto insurance shoppers should definitely get a quote with both.

Oklahoma locals looking for a strong customer service experience should also look to Shelter Insurance, the third highest ranking provider by complaint index.

Oklahoma insurers ranked by complaint index

RankCompanyMarket shareComplaint index
1Oklahoma Farm Bureau3.6%0.45
2State Farm20.5%0.57
3Shelter Insurance3.1%0.61
4Allstate6.1%0.69
5Farmers9.4%0.79
6USAA5.6%0.84
7Progressive10.6%0.94
8GEICO7.1%1.2
9CSAA2.8%1.36
10Liberty Mutual (Safeco)5.6%1.69
The complaint index is drawn from the National Association of Insurance Commissioners for the top 10 insurance groups in Oklahoma by market share. A lower complaint index indicates a lower rate of complaints for an insurer, adjusted for the size of its business. The complaint index was drawn for the largest individual company under an insurance group in Oklahoma, with that company noted in parentheses if its name differed from the parent.

Shoppers who value customer service should be wary of GEICO, CSAA and Safeco (a Liberty Mutual subsidiary), which have some of the poorest complaint rates in Oklahoma.

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 limits
Bodily injury (BI) (per person / per accident)$25,000 / $50,000
Property damage (PD)$55,000

Liability insurance covers you against the cost of damage to others for which you are at fault. It won't cover damage to your car in an accident or damage as a result of "acts of God" such as weather events; you'll need comprehensive and collision insurance for that.

Best car insurance rates in Oklahoma: By city

How much is car insurance in Oklahoma? Oklahoma is like any other state in that car insurance rates change a great deal based on where you live. Below, we've provided recommendations for the three cheapest insurers in the 50 most populated cities in the Sooner State.

State Farm and USAA (for qualifying customers) ranked among the most affordable insurers in all 50 cities. The Oklahoma Farm Bureau was also an affordable option; it ranked in the top three cheapest insurers in 45 cities, with Progressive taking its place in the remaining five.

CityCompanyAnnual premium
AdaState Farm$1,456
USAA$1,898
Oklahoma Farm Bureau$1,982
AltusState Farm$1,389
USAA$1,794
Progressive$2,003
ArdmoreState Farm$1,434
USAA$1,810
Oklahoma Farm Bureau$1,960
BartlesvilleState Farm$1,381
Oklahoma Farm Bureau$1,796
USAA$1,842
BethanyState Farm$1,651
USAA$2,129
Oklahoma Farm Bureau$2,312
BixbyState Farm$1,680
USAA$2,009
Oklahoma Farm Bureau$2,201
BlanchardState Farm$1,541
USAA$2,019
Oklahoma Farm Bureau$2,110
Broken ArrowState Farm$1,652
USAA$2,041
Oklahoma Farm Bureau$2,175
ChickashaState Farm$1,444
Oklahoma Farm Bureau$1,978
USAA$2,019
ChoctawState Farm$1,434
Oklahoma Farm Bureau$2,048
USAA$2,133
ClaremoreState Farm$1,447
USAA$1,885
Oklahoma Farm Bureau$1,950
ClintonState Farm$1,366
USAA$1,842
Progressive$1,939
CowetaState Farm$1,499
USAA$1,907
Oklahoma Farm Bureau$2,020
CushingState Farm$1,559
USAA$1,860
Oklahoma Farm Bureau$2,154
Del CityState Farm$1,654
USAA$2,090
Oklahoma Farm Bureau$2,376
DuncanState Farm$1,359
USAA$1,834
Oklahoma Farm Bureau$1,932
DurantState Farm$1,546
USAA$1,957
Oklahoma Farm Bureau$2,020
EdmondState Farm$1,538
USAA$1,913
Oklahoma Farm Bureau$2,166
El RenoState Farm$1,460
USAA$1,931
Oklahoma Farm Bureau$2,136
Elk CityState Farm$1,458
USAA$1,842
Progressive$2,072
EnidState Farm$1,427
USAA$1,658
Oklahoma Farm Bureau$2,045
GlenpoolState Farm$1,622
USAA$2,068
Oklahoma Farm Bureau$2,186
GuthrieState Farm$1,488
USAA$1,944
Oklahoma Farm Bureau$2,112
GuymonState Farm$1,377
Progressive$1,859
USAA$1,921
JenksState Farm$1,618
USAA$1,994
Oklahoma Farm Bureau$2,186
LawtonState Farm$1,439
USAA$1,806
Oklahoma Farm Bureau$1,980
McAlesterState Farm$1,479
USAA$1,975
Oklahoma Farm Bureau$1,982
MiamiState Farm$1,530
USAA$1,911
Oklahoma Farm Bureau$1,930
Midwest CityState Farm$1,654
USAA$2,107
Oklahoma Farm Bureau$2,347
MooreState Farm$1,599
USAA$2,010
Oklahoma Farm Bureau$2,242
MuskogeeState Farm$1,488
Oklahoma Farm Bureau$1,690
USAA$2,049
MustangState Farm$1,497
USAA$2,061
Oklahoma Farm Bureau$2,128
NewcastleState Farm$1,580
USAA$2,012
Oklahoma Farm Bureau$2,104
NormanState Farm$1,495
USAA$1,953
Oklahoma Farm Bureau$2,125
Oklahoma CityState Farm$1,647
USAA$2,141
Oklahoma Farm Bureau$2,299
OkmulgeeState Farm$1,466
Oklahoma Farm Bureau$1,940
USAA$2,131
OwassoState Farm$1,382
USAA$1,847
Oklahoma Farm Bureau$2,094
Ponca CityState Farm$1,483
USAA$2,003
Oklahoma Farm Bureau$2,234
PoteauState Farm$1,594
USAA$1,942
Oklahoma Farm Bureau$2,062
PryorState Farm$1,511
Oklahoma Farm Bureau$1,920
USAA$1,961
Sand SpringsState Farm$1,471
USAA$1,983
Oklahoma Farm Bureau$2,054
SapulpaState Farm$1,477
USAA$1,978
Oklahoma Farm Bureau$2,015
ShawneeState Farm$1,556
USAA$1,934
Oklahoma Farm Bureau$2,096
SkiatookState Farm$1,490
USAA$1,942
Oklahoma Farm Bureau$1,988
StillwaterState Farm$1,489
USAA$1,748
Oklahoma Farm Bureau$2,114
TulsaState Farm$1,748
USAA$2,152
Oklahoma Farm Bureau$2,160
TuttleState Farm$1,483
USAA$1,997
Oklahoma Farm Bureau$2,104
WagonerState Farm$1,512
Oklahoma Farm Bureau$1,926
USAA$1,965
WeatherfordState Farm$1,365
USAA$1,842
Progressive$1,918
WoodwardState Farm$1,415
USAA$1,879
Oklahoma Farm Bureau$2,090

We also took a deeper dive into the five biggest cities in Oklahoma below:

  • Oklahoma City
  • Tulsa
  • Norman
  • Broken Arrow
  • Edmond

More densely populated locations tend to have higher insurance rates, and Oklahoma is no exception. All five of these cities have average insurance rates more expensive than the state average.

Car insurance in Oklahoma City, OK

  • Average annual rate = $2,968
  • 12% more expensive than the state average

Oklahoma City is the most populated area in the state, but its insurance rates are actually the fourth most expensive of the top 50 cities. State Farm ranks as the cheapest car insurance in Oklahoma City for our sample driver, with average rates of $1,647 per year for a full coverage policy.

Car insurance in Tulsa, OK

  • Average annual rate = $3,028
  • 14% more expensive than the state average

Tulsa is the most expensive city in Oklahoma for a car insurance policy, with rates 14% higher than the state average. The next closest is Midwest City, with rates 12% above the state average.

Car insurance in Norman, OK

  • Average annual rate = $2,741
  • 3% more expensive than the state average

Although Norman is one of the biggest cities in the state by population, its insurance rates aren't that different from the overall state average. As in most other big cities, our sample driver found the cheapest rates with State Farm, USAA and the Oklahoma Farm Bureau.

Car insurance in Broken Arrow, OK

  • Average annual rate = $2,843
  • 7% more expensive than the state average

Broken Arrow is the ninth most expensive city in Oklahoma for car insurance. The range of auto insurance rates in the city shows the benefits of shopping around. Our sample driver would pay $1,652 per year with State Farm but $5,214 with Farmers.

Car insurance in Edmond, OK

  • Average annual rate = $2,733
  • 3% more expensive than the state average

Edmond is the cheapest of Oklahoma's major five cities for car insurance. The following table provides a snapshot of average rates for our sample driver in the city, with annual premiums ranging from $1,538 to $5,141.

InsurerAnnual premium
State Farm$1,538
USAA$1,913
Oklahoma Farm Bureau$2,166
Allstate$2,363
Progressive$2,431
Shelter$3,028
GEICO$3,287
Farmers$5,141

Average cost of car insurance in Oklahoma: By city

Our analysis found that for a full coverage policy, the average annual cost of car insurance in Oklahoma was $2,659 per year.

Location matters, however. Different cities in Oklahoma will have different rates, as insurers use a variety of factors to assess the risk of any given driver. The difference between the cheapest city in Oklahoma and the most expensive is almost $600. Below, we've ranked the 50 most populous cities in the state from least to most expensive, using average rates from eight insurers.

  • Lawton is the cheapest city for auto insurance in Oklahoma with average annual premiums of $2,442.
  • Tulsa is the most expensive. Our sample driver would pay $3,028 per year for car insurance.
RankCityAverage annual premium
1Lawton$2,442
2Enid$2,462
3Altus$2,484
4Duncan$2,487
5Weatherford$2,505
6Stillwater$2,506
7Guymon$2,517
8Clinton$2,523
9Bartlesville$2,549
9McAlester$2,549
11Cushing$2,560
12Ada$2,568
13Ardmore$2,571
14Pryor$2,579
15Claremore$2,587
16Durant$2,608
17Owasso$2,610
18Elk City$2,613
19Woodward$2,617
20Chickasha$2,620
21Poteau$2,620
22Miami$2,629
23Muskogee$2,641
24Wagoner$2,648
25Okmulgee$2,651
26Skiatook$2,677
27Sand Springs$2,689
28Ponca City$2,696
29Guthrie$2,703
30Blanchard$2,708
31Edmond$2,733
32Tuttle$2,740
33Coweta$2,741
34Norman$2,741
35Newcastle$2,751
36Shawnee$2,761
37Mustang$2,762
38Sapulpa$2,789
39El Reno$2,791
40Jenks$2,798
41Moore$2,824
42Broken Arrow$2,843
43Choctaw$2,868
44Glenpool$2,876
45Bixby$2,900
46Bethany$2,937
47Oklahoma City$2,968
48Del City$2,976
49Midwest City$2,983
50Tulsa$3,028

Methodology

We collected rates from almost 600 cities in Oklahoma to complete this study. For our quotes, we used the profile of a 30-year-old male driving a 2015 Honda Civic EX. The driver has a below average credit record, and unless otherwise noted, all rates in this study are for a full coverage policy with these limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For minimum coverage policy rates, the policy only meets Oklahoma's state-mandated liability insurance requirements for a car insurance policy.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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