Who Has the Cheapest Car Insurance Quotes in Oklahoma? (2025)
State Farm has the cheapest car insurance in Oklahoma for most people, at $128 per month for full coverage.
Find Cheap Auto Insurance Quotes in Oklahoma
Best cheap auto insurance in Oklahoma
How we chose the top companies
Best and cheapest car insurance in Oklahoma
- Cheapest full coverage: State Farm, $128/mo
- Cheapest minimum liability: State Farm, $37/mo
- Cheapest for young drivers: State Farm, $126/mo
- Cheapest after a ticket: State Farm, $135/mo
- Cheapest after an accident: State Farm, $128/mo
- Cheapest for teens after a ticket: State Farm, $64/mo State Farm, $137/mo
- Cheapest after a DUI: Progressive, $174/mo
- Cheapest for poor credit: Farm Bureau, $216/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of cheap rates and great customer service in Oklahoma.
Shelter is also a good choice. It has reliable customer service, but it's typically more expensive than State Farm. While Progressive has cheap rates, its customer service reviews aren't good.
Cheapest Oklahoma auto insurance: State Farm
State Farm has the cheapest full coverage car insurance in Oklahoma for most people.
At $128 per month, full coverage from State Farm costs $72 per month less than the state average. It's also $25 per month less than the second-cheapest option, Progressive.
USAA offers even cheaper rates to Oklahoma drivers with military ties. Full coverage from USAA costs just $106 per month, on average. However, only military members, veterans and their families can buy car insurance from USAA.
Find Cheap Auto Insurance Quotes in Oklahoma
The average cost of car insurance in Oklahoma is $200 per month for full coverage. That's $25 per month more expensive than the national average.
Oklahoma has very high car theft rates compared to other states . Its severe weather, including tornadoes and hail, can also damage cars. These factors mean Oklahoma drivers are more likely to file claims, which makes their insurance more expensive.
Best cheap full coverage insurance in Oklahoma
Company | Monthly rate | |
|---|---|---|
| State Farm | $128 |
| Progressive | $153 |
| Shelter | $174 |
| Farm Bureau | $215 |
| Geico | $220 |
*USAA is only available to current and former military members and their families.
Cheapest liability car insurance in Oklahoma: Progressive
State Farm has the most affordable quotes for minimum liability insurance in Oklahoma.
Minimum liability coverage from State Farm costs $37 per month. That's $26 per month cheaper than the Oklahoma average.
USAA offers even cheaper liability-only quotes at $28 per month. However, only military members, veterans and some of their family members can buy car insurance from USAA.
Best cheap liability insurance in Oklahoma
Company | Monthly rate |
|---|---|
| State Farm | $37 |
| Progressive | $40 |
| Shelter | $54 |
| Farm Bureau | $61 |
| Geico | $70 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Oklahoma
Cheapest auto insurance in OK for teens: State Farm
State Farm has the cheapest auto insurance in Oklahoma for young drivers.
Liability-only insurance from State Farm costs $126 per month for an 18-year-old in Oklahoma. That's $94 per month less than the statewide average.
State Farm is also the cheapest for full coverage policies. At $342 per month, full coverage from State Farm is $272 per month less than average.
Best cheap car insurance in Oklahoma for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $126 | $342 |
| Shelter | $143 | $430 |
| Geico | $202 | $553 |
| Progressive | $222 | $705 |
| Farm Bureau | $237 | $643 |
*USAA is only available to current and former military members and their families.
Insurance for an 18-year-old in Oklahoma costs more than three times as much as coverage for a 30-year-old driver. That's because drivers in their teens or early 20s are more likely to cause an accident than older drivers.
There are a few ways for teen drivers to save money on insurance.
Share an insurance plan with your parents. The cost of a family policy is typically much less expensive than two separate policies.
Compare free auto insurance quotes from multiple companies, including smaller local companies. In Oklahoma, the most expensive company for teens costs more than three times more than the cheapest company.
Ask each insurance company about discounts. Many companies have discounts for being a good student or taking safe driving classes.
Cheapest car insurance in OK after a speeding ticket: State Farm
State Farm has the most affordable rates in Oklahoma after a speeding ticket, at $135 per month for full coverage. That's $106 per month cheaper than the Oklahoma average after a single speeding ticket.
Affordable auto insurance in Oklahoma after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $135 |
| Progressive | $199 |
| Shelter | $204 |
| Farm Bureau | $215 |
| Geico | $287 |
*USAA is only available to current and former military members and their families.
One speeding ticket will raise your rates by about 20% in Oklahoma. That's an average increase of $40 per month for a full coverage policy.
Cheap insurance in Oklahoma after an accident: State Farm
State Farm has the best full coverage quotes for drivers in Oklahoma with an accident on their records. At $128 per month, a policy from State Farm is less than half the statewide average.
Best auto insurance in Oklahoma after an accident
Company | Monthly rate |
|---|---|
| State Farm | $128 |
| Shelter | $222 |
| Farm Bureau | $235 |
| Progressive | $248 |
| Allstate | $384 |
*USAA is only available to current and former military members and their families.
Auto insurance quotes in Oklahoma go up by an average 42% after an at-fault accident.
Don't worry about switching car insurance companies right after your accident. Your rates won't go up until your current policy expires. However, any quotes you get now will factor in your accident, so they'll probably be higher than your current rate.
Instead, wait for your company to send your renewal offer a few weeks to a month before your current policy expires. Then, you should compare rates from multiple companies to find the best price.
Cheap car insurance in OK for teens after a speeding ticket or accident: State Farm
State Farm has the most affordable rates for young drivers with bad driving records in Oklahoma.
Minimum liability insurance from State Farm costs $137 per month for an 18-year-old driver with a speeding ticket in Oklahoma. That's $116 per month less than the state average.
State Farm also has the cheapest rates for young drivers who cause an accident. Minimum liability coverage from State Farm costs $126 per month for these drivers, which is less than half the Oklahoma average.
Cheap OK auto insurance for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $137 | $126 |
| Shelter | $174 | $206 |
| Progressive | $230 | $248 |
| Geico | $235 | $319 |
| Farm Bureau | $237 | $271 |
*USAA is only available to current and former military members and their families.
Oklahoma teens can expect their rates to increase by an average of 15% after one speeding ticket and 36% after an at-fault accident.
Cheapest Oklahoma car insurance quotes after a DUI: Progressive
Progressive has the best rates for drivers in Oklahoma with a DUI. A full-coverage policy from Progressive costs $174 per month after a DUI. That's $126 per month cheaper than average. It's also $79 per month less than the second-cheapest company, Shelter.
Best Oklahoma insurance companies after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $174 |
| Shelter | $253 |
| State Farm | $263 |
| Farm Bureau | $339 |
| Allstate | $350 |
*USAA is only available to current and former military members and their families.
After a DUI in Oklahoma, you can expect your rates to increase by about 50%, or $100 per month for a full coverage policy. That's because insurance companies consider drivers with a DUI more likely to cause a crash in the future.
Cheapest insurance in Oklahoma for drivers with poor credit: Farm Bureau
Farm Bureau has the cheapest auto insurance in Oklahoma if you have poor credit. Full coverage insurance from Farm Bureau costs $216 per month, which is $137 per month less than the Oklahoma average.
Affordable Oklahoma car insurance for poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $216 |
| Progressive | $252 |
| Geico | $323 |
| Shelter | $346 |
| Allstate | $384 |
*USAA is only available to current and former military members and their families.
Drivers with bad credit scores pay 76% more for full coverage insurance in Oklahoma than those with good scores. That's because insurance companies believe drivers with poor credit are more likely to make a claim in the future.
Best car insurance in Oklahoma
USAA is the best car insurance company in Oklahoma based on its excellent customer service and cheap rates.
However, USAA is only available to current and former military members and their families.
State Farm and Shelter are the best options for drivers who don't qualify for USAA. Both companies have reliable customer service and affordable rates. Farm Bureau also offers great customer service, but it tends to be more expensive than State Farm and Shelter.
Best insurance companies in Oklahoma
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| Farm Bureau | 673 | A | |
| State Farm | 657 | A++ | |
| Shelter | 678 | A | |
| Geico | 637 | A++ |
Average Oklahoma auto insurance quotes by city
Dewey, a small city north of Bartlesville, has the cheapest auto insurance in Oklahoma.
Drivers in Dewey pay an average of $179 per month for full coverage insurance.
Forest Park, which is part of the Oklahoma City metro area, has the most expensive quotes, at $227 per month.
Average cost of car insurance by city in OK
City | Monthly rate | % from average |
|---|---|---|
| Achille | $198 | 2% |
| Ada | $191 | -1% |
| Adair | $189 | -2% |
| Adams | $184 | -5% |
| Addington | $190 | -2% |
The price of full coverage car insurance varies by up to $47 per month across the state of Oklahoma.
Car insurance rates are typically more expensive places with lots of traffic and higher crime rates, often large cities. That's because people living in these cities are more likely to be in accidents or have their cars stolen.
For example, full coverage car insurance in Oklahoma City and Tulsa costs $219 per month. That's 13% higher than the state average.
What is the minimum car insurance required in Oklahoma?
You must have a minimum amount of liability insurance in Oklahoma to drive legally. This requirement is often written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
What's the best car insurance coverage for Oklahoma drivers?
Full coverage car insurance is the best choice for most drivers in Oklahoma.
That's because full coverage includes more liability coverage than the minimum requirements, along with comprehensive and collision coverages.
Higher liability limits can help you avoid a big bill if you cause a major accident.
For example, if you hit and total a brand new pickup truck, $25,000 of property damage liability coverage probably won't be enough to fully replace it. So, if you have minimum coverage, you'll have to pay the difference.
Comprehensive and collision coverages pay for damage to your car, regardless of whose fault it is.
Most lenders require you to have full coverage insurance if you have a car loan or lease. You should also consider full coverage if your car is newer than eight years old or worth more than $5,000.
Frequently asked questions
Who has the cheapest car insurance rates in Oklahoma?
State Farm has the cheapest full coverage rates in Oklahoma, at $128 per month. It also has the cheapest minimum liability insurance, at just $37 per month.
How much is car insurance in Oklahoma per month?
The average price of insurance in Oklahoma is $200 per month for full coverage. Minimum liability car insurance costs an average $63 per month.
How much is car insurance in OKC?
Auto insurance in Oklahoma City costs $219 per month for full coverage. That's $19 per month more than the Oklahoma state average.
Methodology
To find the cheapest car insurance in Oklahoma, ValuePenguin collected thousands of rates for ZIP codes across OK from the state's largest insurance companies. Rates are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Full coverage quotes include liability limits above the state requirements, as well as collision and comprehensive coverages.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.