Who Has the Cheapest Car Insurance Quotes in Oklahoma? (2022)

Who Has the Cheapest Car Insurance Quotes in Oklahoma? (2022)

State Farm has the best quotes for the average driver in Oklahoma, with a minimum coverage rate of $351 per year.

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In Oklahoma, the average price of full coverage insurance can differ by $1,270 per year depending on the company. That underscores how important it is for Oklahoma drivers to compare quotes to find their cheapest rates.

The average cost of car insurance in Oklahoma is $584 per year, or $49 per month, for minimum liability.

Cheapest car insurance quotes in Oklahoma: State Farm

If you're looking for low-cost minimum liability car insurance, State Farm has the most affordable quotes in Oklahoma, at $29 per month or $351 per year.

Cheapest car insurance companies in Oklahoma

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For $523 per year on average, you can get a similar policy with Farm Bureau, the second-cheapest company. Qualifying drivers who are affiliated with the military should also shop with USAA. At a cost of $267 per year on average, USAA is easily the cheapest Oklahoma insurer.

Company
Annual rate
Monthly rate
State Farm$351$29
Farm Bureau$523$44
Progressive$581$48
Allstate$642$54
Geico$724$60
Farmers$763$64
Shelter$820$68
USAA*$267$22

*USAA is only available to current and former military members and their families.

A minimum coverage policy is one that provides the minimum auto coverage required by Oklahoma state law. It is the cheapest car insurance policy you can buy in Oklahoma, but its coverage will only go so far after a car crash.

Drivers with a minimum liability policy will only be covered for damage and injury they cause to others up to their chosen limits. You'd be responsible to pay for any damage beyond your liability limits, and for any damage to your own car.

Cheapest full coverage car insurance in Oklahoma: State Farm

In Oklahoma, State Farm has the cheapest full coverage quotes on average, $1,218 per year. The next-cheapest companies in Oklahoma are Allstate and Progressive. State Farm offers the cheapest rates for both a full coverage policy and a minimum liability policy, but that shouldn't stop you from shopping around for multiple quotes.

The average full coverage car insurance policy in Oklahoma costs around $1,885, or $157 per month.

Company
Annual rate
Monthly rate
State Farm$1,218$101
Allstate$1,839$153
Progressive$1,888$157
Farm Bureau$2,018$168
Geico$2,298$192
Farmers$2,337$195
Shelter$2,488$207
USAA*$996$83

*USAA is only available to current and former military members and their families.

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 you cause to others.

Cheap car insurance for drivers with prior incidents

Drivers with a history of accidents or traffic citations tend to receive higher auto insurance premiums than drivers with a clean record. However, not every incident is equal, so it pays to get quotes from multiple companies. We recommend starting with State Farm, Progressive and Farm Bureau.

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Cheapest car insurance for people with a speeding ticket: State Farm

Drivers insured by State Farm receive the most affordable rates after a speeding ticket. Farm Bureau has the second-cheapest rate at $2,018 per year for full coverage — $719 per year more than State Farm's rate but still below average.

Having a speeding ticket on your record in Oklahoma raises your rates nearly half as much as an accident can.

Company
Annual rate
Monthly rate
State Farm$1,299$108
Farm Bureau$2,018$168
Allstate$2,035$170
Progressive$2,344$195
Geico$2,985$249
Farmers$3,166$264
Shelter$3,227$269
USAA*$1,250$104

*USAA is only available to current and former military members and their families.

Cheapest car insurance quotes if you have an accident history: State Farm

State Farm has the lowest full coverage rates for drivers in Oklahoma after an at-fault accident. Another alternative is Farm Bureau, which is the second-cheapest option.

If you have a recent accident in your driving history, an insurer will almost certainly charge you higher rates than it would otherwise. In fact, Oklahoma insurers charge 46% more on average for a driver with an accident compared to a driver with a clean record.

Company
Annual rate
Monthly rate
State Farm$1,381$115
Farm Bureau$2,203$184
Allstate$2,528$211
Progressive$3,158$263
Farmers$3,203$267
Shelter$3,993$333
Geico$4,211$351
USAA*$1,412$118

*USAA is only available to current and former military members and their families.

State Farm’s cheap rates after accidents and speeding tickets shouldn't stop you from shopping around for free car insurance quotes. The cheapest insurer for you may be different depending on factors like your driving record, age and location.

Cheapest car insurance for drivers with a DUI: Progressive

The best rates for drivers with a DUI come from Progressive, which quotes drivers an average rate of $2,049 annually for full coverage. The next-cheapest company is Allstate, though its average rate is $347 per year more expensive than Progressive's.

Driving while intoxicated can lead to serious injuries and repercussions. Insurance companies typically charge high rates to drivers with a DUI conviction because they are considered risky drivers. Drivers with a DUI can see 53% higher rates.

Company
Annual rate
Monthly rate
Progressive$2,049$171
Allstate$2,396$200
Farmers$3,082$257
State Farm$3,099$258
Farm Bureau$3,168$264
Shelter$3,544$295
Geico$3,991$333
USAA*$1,818$152

*USAA is only available to current and former military members and their families.

Cheapest quotes for drivers with poor credit: Farm Bureau

Farm Bureau and Allstate have the cheapest full coverage auto insurance rates if you have poor credit.

Typically, drivers with poor credit scores pay more for car insurance than those with average or good scores. Unfortunately, our credit score is one of the many factors that insurers use to determine your risk as a driver in most states.

Company
Annual rate
Monthly rate
Farm Bureau$2,027$169
Allstate$2,513$209
Progressive$2,851$238
Geico$2,908$242
Farmers$3,363$280
Shelter$3,544$295
State Farm$4,685$390
USAA*$1,666$139

*USAA is only available to current and former military members and their families.

Cheapest car insurance quotes for married drivers: State Farm

State Farm has the best full coverage rates for married drivers in Oklahoma. If you're married, it's also worth it to contact Progressive, the second-cheapest option, for a quote estimate.

Married drivers often get a small discount on their insurance quotes. On average, married drivers in Oklahoma save $156 annually on the cost of car insurance.

Company
Annual rate
Monthly rate
State Farm$1,218$101
Progressive$1,486$124
Allstate$1,785$149
Farm Bureau$2,018$168
Shelter$2,074$173
Farmers$2,120$177
Geico$2,245$187
USAA*$887$74

*USAA is only available to current and former military members and their families.

Cheapest car insurance for teen drivers: State Farm

18-year-old drivers in Oklahoma should get a quote from State Farm, which has the cheapest minimum coverage policy option, at $1,208 per year. The company is also the cheapest for full coverage policies at $3,290 per year.

Drivers in their teens or 20s are more likely to be involved in accidents than drivers in their 30s or 40s. That's why insurers usually offer higher quotes for younger drivers. In fact, the average cost of insurance for an 18-year-old is nearly three times as expensive as the insurance premium for a 30-year-old driver.

Company
Liability only
Full coverage
State Farm$1,208$3,290
Shelter$1,989$5,689
Allstate$2,001$5,858
Geico$2,022$5,869
Farm Bureau$2,038$5,990
Farmers$2,781$7,643
Progressive$2,807$8,116
USAA*$791$2,512

*USAA is only available to current and former military members and their families.

If you're a teen driver and your quotes are outside your budget, you have lots of options to save on the cost of insurance.

  • Get free auto insurance quotes from multiple insurance companies, including smaller local companies.
  • Ask each insurer for the discounts you could qualify for. Many insurers have discounts for being a good student or attending safe driving classes.
  • If your parents or guardian allow it, you can join their insurance plan, which is the best way to keep costs down.

Cheapest quotes for young drivers with a speeding ticket: State Farm

State Farm is the insurer with the most affordable rates for 18-year-old drivers who receive a speeding ticket, with an average annual rate of $1,342 for minimum coverage. The second-cheapest option is Farm Bureau, but its annual premium is, on average, $696 more expensive than State Farm's.

Company
Annual rate
Monthly rate
State Farm$1,342$112
Farm Bureau$2,038$170
Allstate$2,315$193
Geico$2,347$196
Shelter$2,557$213
Progressive$2,985$249
Farmers$3,436$286
USAA*$1,090$91

*USAA is only available to current and former military members and their families.

Cheapest insurance for young drivers after an accident: State Farm

State Farm has the best car insurance quotes for young drivers who have been involved in an accident. State Farm's minimum coverage policy costs $1,477 per year, $1,141 cheaper annually than the state average for a young person with the same driving history.

Unfortunately, it’s difficult for young drivers to find cheap car insurance quotes, especially if you have even one at-fault accident on your record.

Company
Annual rate
Monthly rate
State Farm$1,477$123
Farm Bureau$2,325$194
Allstate$2,434$203
Geico$3,147$262
Progressive$3,375$281
Farmers$3,436$286
Shelter$3,452$288
USAA*$1,291$108

*USAA is only available to current and former military members and their families.

Best auto insurance companies in Oklahoma

Oklahoma's best insurer is Shelter, based on our editor's ratings and a high score from J.D. Power's Auto Insurance Claims Satisfaction Survey.

Other good companies in Oklahoma include State Farm and USAA. State Farm offers a variety of insurance options and some of the lowest rates you'll find. USAA is the cheapest option in most situations and provides excellent customer service, but it is only available to current and former military members and their families.

Company
Editor's rating
J.D. Power
AM Best
Shelter
856A
State Farm
847A++
Farm Bureau
NRA+
Geico
845A++
Farmers
848A
Progressive
837A+
Allstate
826A+
USAA
897A++

J.D. Power measures claim satisfaction for customers based on a 1,000-point scale. Based on this scale, USAA is the best insurer, with a score of 897 — above the industry average of 872.

Average car insurance cost in Oklahoma by city

Dewey is the cheapest city for auto insurance in Oklahoma, with an average annual price of $1,714 per year for full coverage, while Forest Park is the most expensive, with average quotes of $2,188 per year.

Different cities in Oklahoma will have different car insurance rates, as insurers use a variety of factors to assess the risk of any driver. The cost difference between the cheapest city in Oklahoma and the most expensive is $474.

If you're in a densely populated area, you will likely receive higher insurance quotes than someone in a less populated area. For instance, drivers who live in Oklahoma City, the state's largest city, pay an average of $2,109 annually for car insurance.

City
Average annual cost
Percent from average
Achille$1,8910%
Ada$1,812-4%
Adair$1,811-4%
Adams$1,764-6%
Addington$1,829-3%
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Oklahoma car insurance requirements

All registered drivers must meet the minimum auto insurance requirements in Oklahoma. Oklahoma drivers have to have bodily injury liability coverage as well as property damage liability coverage.

Insurance coverage
Oklahoma minimum limits
Bodily injury (per person/per accident)$25,000/$50,000
Property damage$25,000

Liability insurance covers you for damage you cause to others. It won't cover damage to your car in an accident or damage as a result of "acts of God," such as hail or a storm; you'll need comprehensive and collision insurance for that.

Recap of the cheapest auto insurance in Oklahoma

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After a speeding ticket: State Farm
  • After an at-fault accident: State Farm
  • After a DUI: Progressive
  • Poor credit history: Farm Bureau
  • Married drivers: State Farm
  • Young drivers: State Farm
  • Young drivers after a ticket: State Farm
  • Young drivers after an accident: State Farm

Frequently asked questions

What is the cheapest car insurance in Oklahoma?

State Farm has the cheapest auto insurance rates for Oklahoma drivers, with an average rate of $351 per year for state minimum coverage.

How much is car insurance in Oklahoma?

The average price of insurance in Oklahoma is $49 per month, or $584 per year, for minimum coverage. Full coverage car insurance costs an average of $1,885, or $157 per month.

Is car insurance higher in Oklahoma compared to other states?

Car insurance is relatively cheap in Oklahoma. The average rate for a minimum coverage policy in Oklahoma is 25% lower than the national average, at $584 per year. However, the average cost of car insurance in Oklahoma did increase by 1.22% from last year.

What are the car insurance requirements in Oklahoma?

You need bodily injury coverage of at least $25,000 per person and $50,000 per accident, plus at least $25,000 of property damage liability coverage.

Methodology

We collected thousands of rates from ZIP codes across Oklahoma for the state's largest insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

For our minimum coverage policy, we received quotes for a policy with the minimum required limits in Oklahoma. The base full coverage policy included:

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

For other rates analyses (credit score, accident, ticket, DUI history and marital status), the base policy was changed to reflect the new driver. Young driver rates were for minimum coverage.

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.

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.