Who Has the Cheapest Car Insurance Quotes in Oklahoma? (2023)

Who Has the Cheapest Car Insurance Quotes in Oklahoma? (2023)

State Farm has the best cheap quotes for the drivers in Oklahoma, with an average minimum coverage rate of $23 per month.

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Best cheap car insurance in Oklahoma

To determine the best cheap car insurance in Oklahoma, our editorial team collected quotes from top companies across every ZIP code in the state. Quotes for minimum coverage meet the OK state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, along with $25,000 in property damage protection. Full coverage quotes include comprehensive and collision protection, alongside higher liability limits than the state minimums.

We also ranked the best car insurance companies in Oklahoma based on customer service reviews, affordability for different drivers, coverage availability and convenience.

Cheapest car insurance quotes in Oklahoma: State Farm

State Farm has the most affordable quotes in Oklahoma for low-cost minimum liability car insurance, at $23 per month or $280 per year.

Cheapest car insurance companies in Oklahoma

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Progressive and USAA also offered competitive rates. Progressive's average monthly rate was $23. USAA actually has the cheapest quotes of any insurance company in Oklahoma, at $20 per month. But it's only available to people who have served in the military or their families.

Cheapest Oklahoma car insurance companies

Company
Monthly rate
State Farm logo
State Farm$23
Progressive logo
Progressive$31
Farm Bureau logo
Farm Bureau$47
Geico logo
Geico$62
Allstate logo
Allstate$65
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*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 it might not cover all of your costs after a car crash.

Drivers with a minimum liability policy will only be covered for damage and injury they cause to others up to the 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

State Farm has the cheapest full coverage quotes in Oklahoma, on average, at $82 per month. The next-cheapest companies in Oklahoma are Progressive and Farm Bureau, at $136 and $175 per month, respectively. State Farm offers the cheapest rates for most people, but that shouldn't stop you from shopping around for multiple quotes.

The average full-coverage car insurance policy in Oklahoma costs around $163 per month, or $1,956 per year.

Cheapest car insurance for full coverage

Company
Monthly rate
State Farm$82
Progressive$136
Farm Bureau$175
Allstate$183
Geico$193
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*USAA is only available to current and former military members and their families.

A full coverage policy — in Oklahoma and elsewhere — includes more liability coverage than the minimum and 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 Oklahoma car insurance for drivers with prior incidents

Drivers with imperfect records will find the best rates at companies like State Farm and Progressive, where we found low prices even after incidents like speeding tickets or at-fault crashes.

Drivers with a history of accidents or traffic citations tend to receive higher auto insurance premiums than drivers with clean records, making it even more important to shop around for the best prices.

Find Cheap Auto Insurance Quotes in Oklahoma

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

State Farm has the most affordable rates in Oklahoma after a speeding ticket, at $86 per month. Progressive has the second-cheapest rate at $172 per month for full coverage — more than double State Farm's prices but still below the overall average.

On average, a speeding ticket can raise your rates by about 23% in Oklahoma.

Company
Monthly rate
State Farm$86
Progressive$172
Farm Bureau$175
Allstate$202
Geico$252
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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. We found a typical price of just $91 per month, which is 62% less than average. Farm Bureau is the second-cheapest option, at $191 per month.

If you have a recent accident in your driving history, a company will almost certainly charge you higher rates than it would otherwise. Oklahoma insurance companies charge 47% more on average for a driver with an accident compared to a driver with a clean record.

Cheapest Oklahoma car insurance after an accident

Company
Monthly rate
State Farm$91
Farm Bureau$191
Progressive$216
Allstate$252
Shelter$333
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State Farm’s cheap rates after accidents and speeding tickets shouldn't stop you from shopping around for free car insurance quotes. The cheapest company for you may be different depending on factors like your driving record, age and location.

Cheapest car insurance for drivers with a DUI: State Farm

State Farm has the best rates for drivers with a DUI, with average quotes of $86 annually for full coverage. The next-cheapest company is Progressive, though its average rate is $66 per month more expensive than Progressive's.

Driving while intoxicated can lead to serious injuries and repercussions. Insurance companies typically charge high rates to drivers with DUI convictions because they are considered risky drivers. A driver with a DUI in Oklahoma can expect to see rate increases of about 44% compared to a regular driver.

Cheapest Oklahoma car insurance companies for a DUI

Company
Monthly rate
State Farm$86
Progressive$152
Allstate$238
Farm Bureau$274
Shelter$313
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Cheapest quotes for drivers with poor credit: Farm Bureau

Farm Bureau and State Farm have the cheapest full-coverage auto insurance rates if you have poor credit. Farm Bureau has average quotes of just $176 per month, and State Farm charges $227 per month.

Typically, drivers with poor credit scores pay more for car insurance than those with average or good scores. Insurance companies have found a correlation between drivers' credit scores and how likely they are to make a car insurance claim.

Cheapest Oklahoma car insurance for poor credit

Company
Monthly rate
Farm Bureau$176
State Farm$227
Progressive$231
Allstate$267
Geico$281
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Cheapest OK car insurance for teen drivers: State Farm

State Farm is the cheapest minimum-coverage car insurance option for the average 18-year-old driver in Oklahoma, at $80 per month. The company is also the cheapest for full coverage policies at $218 per month.

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

Cheapest Oklahoma car insurance companies for teens

Company
Liability only
Full coverage
State Farm$80$218
Progressive$167$599
Shelter$170$456
Geico$177$480
Farm Bureau$184$519
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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 insurance company for the discounts you could qualify for. Many companies 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 has the most affordable rates for 18-year-old drivers who receive a speeding ticket in Oklahoma, with an average monthly rate of $87 for minimum coverage. The second-cheapest option is Progressive, but its annual price is, on average, about twice as expensive as State Farm's.

Company
Monthly rate
State Farm$87
Progressive$176
Farm Bureau$184
Geico$206
Shelter$225
Show All Rows

Cheapest Oklahoma insurance for teens 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 $96 per month — $136 cheaper 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 those with an at-fault accident on their records. A young driver can expect to pay an average of $231 per month for insurance — that's 36% more than a teen with a clean record.

Cheapest car insurance for teens after an accident

Company
Monthly rate
State Farm$96
Progressive$195
Farm Bureau$210
Allstate$277
Geico$278
Show All Rows

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.

Married drivers often get a small discount on their insurance quotes. On average, married drivers in Oklahoma save 3% on the cost of car insurance.

Company
Monthly rate per car
State Farm$82
Progressive$103
Shelter$167
Farm Bureau$175
Allstate$178
Show All Rows

Best auto insurance companies in Oklahoma

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

Shelter's customers said that they were happy with the experience of filing a claim with their insurer. That means they were paid fairly and promptly and had their questions answered throughout the process.

Other top-rated companies in Oklahoma include USAA, State Farm and Farm Bureau. 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.

Best Oklahoma car insurance

Company
Editor's rating
J.D. Power
AM Best
Shelter
866A
USAA
881A++
State Farm
842A++
Farm Bureau
NRA
Geico
835A++
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J.D. Power measures claim satisfaction for customers based on a 1,000-point scale. Based on this scale, USAA has the top score of 881 — above the industry average of 835.

Average car insurance cost in Oklahoma by city

Dewey is the cheapest city for auto insurance in Oklahoma, with an average price of $149 per month for full coverage, while Forest Park is the most expensive, with average quotes of $190 per month.

The price of car insurance is relatively consistent across the state of Oklahoma. Rates in the most expensive city are only 27% more than in the cheapest city.

You'll pay more or less based on how likely people who live in your area are to make an insurance claim. For example, you might pay more if your roads are narrow or poorly maintained, which could result in more frequent crashes.

City
Average monthly cost
Percentage from average
Achille$1630%
Ada$157-3%
Adair$157-4%
Adams$153-6%
Addington$158-3%
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Oklahoma car insurance requirements

All registered drivers must meet the minimum auto insurance requirements in Oklahoma, often written as 25/50/25. 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.

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 $23 per month for state minimum coverage.

How much is car insurance in Oklahoma?

The average price of insurance in Oklahoma is $50 per month, or $594 per year, for minimum coverage. Full-coverage car insurance costs an average of $1,956, or $163 per month.

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 for ZIP codes across Oklahoma from the state's largest insurance companies. Rates are quotes for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.

Unless otherwise noted, rates are for a full coverage policy with liability limits above the state requirements, as well as collision and comprehensive coverage.

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

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.