Who Has the Cheapest Car Insurance Quotes in Oklahoma? (2026)
State Farm has the best cheap car insurance in Oklahoma, at $127/mo for full coverage.
Find Cheap Car Insurance Quotes in Oklahoma
Best cheap auto insurance in OK
Progressive and State Farm are the cheapest companies for most people in Oklahoma.
- Want full coverage? Progressive: $127/mo
- Only need minimum coverage? Progressive: $33/mo
- Want the best service? State Farm: $186/mo
- Have a speeding ticket? Progressive: $175/mo
- Caused an accident? State Farm: $186/mo
- Need coverage for a teen? Shelter: $163/mo
- Got a DUI? Progressive: $160/mo
- Have poor credit? Progressive: $205/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage auto insurance in Oklahoma: Progressive and USAA
Progressive and USAA have the cheapest full coverage car insurance in Oklahoma.
- Progressive is the most affordable choice for most Oklahoma drivers. At $127 per month, full coverage from Progressive costs 41% less than the state average.
- State Farm offers the best mix of cheap rates and dependable service in the state. The company's prices aren't as low as Progressive, but it gets better reviews overall from its customers.
- USAA offers even cheaper rates to Oklahoma drivers, at just $119 per month for full coverage. However, only military members, veterans and their families can buy car insurance from USAA.
Find Cheap Car Insurance Quotes in Oklahoma
Best cheap full coverage insurance in Oklahoma
Company | Monthly rate |
|---|---|
| Progressive | $127 |
| State Farm | $186 |
| Geico | $199 |
| Shelter | $210 |
| USAA | $119 |
USAA is only available to current and former military members and their families.
Data-powered research on Oklahoma car insurance
Cheapest liability car insurance in Oklahoma: Progressive
- Progressive has the most affordable quotes for minimum liability insurance in Oklahoma, at $33 per month. That's about half the Oklahoma average.
- USAA offers even cheaper liability-only quotes at $32 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 |
|---|---|
| Progressive | $33 |
| Mercury | $48 |
| State Farm | $50 |
| Farm Bureau | $62 |
| USAA | $32 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Oklahoma
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 $205 per month for full coverage insurance.
- The Village, a suburb of Oklahoma City just east of Lake Hefner, has the most expensive quotes, at $227 per month. In comparison, drivers in Oklahoma City pay around $248 per month.
Average car insurance rates in Oklahoma by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Oklahoma City | $248 | Progressive | $140 |
| Tulsa | $245 | Progressive | $138 |
| Norman | $231 | Progressive | $138 |
| Broken Arrow | $233 | Progressive | $129 |
| Edmond | $238 | Progressive | $137 |
| Lawton | $210 | Progressive | $127 |
| Moore | $241 | Progressive | $138 |
| Midwest City | $247 | Progressive | $137 |
| Enid | $206 | Progressive | $120 |
| Stillwater | $217 | Progressive | $123 |
| Owasso | $216 | Progressive | $117 |
| Bartlesville | $209 | Progressive | $111 |
| Muskogee | $216 | Progressive | $116 |
| Shawnee | $227 | Progressive | $136 |
| Bixby | $235 | Progressive | $138 |
| Jenks | $232 | Progressive | $132 |
| Yukon | $229 | Progressive | $137 |
| Ardmore | $219 | Progressive | $127 |
| Mustang | $232 | Progressive | $138 |
| Duncan | $212 | Progressive | $123 |
| Sapulpa | $224 | Progressive | $129 |
| Claremore | $211 | Progressive | $119 |
| Bethany | $249 | Progressive | $138 |
| Durant | $217 | Progressive | $119 |
| Sand Springs | $226 | Progressive | $135 |
| Achille | $223 | Progressive | $120 |
| Ada | $217 | Progressive | $125 |
| Adair | $212 | Progressive | $110 |
| Adams | $213 | Progressive | $129 |
| Addington | $216 | Progressive | $127 |
| Afton | $214 | Progressive | $125 |
| Agra | $228 | Progressive | $135 |
| Akins | $216 | Progressive | $116 |
| Albany | $220 | Progressive | $134 |
| Albert | $212 | Progressive | $134 |
| Albion | $218 | Progressive | $124 |
| Alderson | $216 | Progressive | $118 |
| Alex | $221 | Progressive | $148 |
| Aline | $215 | Progressive | $119 |
| Allen | $221 | Progressive | $127 |
| Altus | $211 | Progressive | $123 |
| Altus Afb | $215 | Progressive | $123 |
| Alva | $217 | Progressive | $123 |
| Amber | $219 | Progressive | $127 |
| Ames | $214 | Progressive | $121 |
| Amorita | $218 | Progressive | $127 |
| Anadarko | $215 | Progressive | $122 |
| Antlers | $233 | Progressive | $138 |
| Apache | $214 | Progressive | $126 |
| Arapaho | $206 | Progressive | $124 |
| Arcadia | $237 | Progressive | $129 |
| Arkoma | $219 | Progressive | $122 |
Best car insurance in Oklahoma: State Farm
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Full coverage rate$186/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Oklahoma based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Oklahoma
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest car insurance in OK after a speeding ticket: Progressive
Progressive has the most affordable rates in Oklahoma after a speeding ticket, at $175 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 |
|---|---|
| Progressive | $175 |
| State Farm | $196 |
| Shelter | $245 |
| Farm Bureau | $253 |
| USAA | $147 |
USAA is only available to current and former military members and their families.
One speeding ticket can raise your rates by about 20% in Oklahoma. That's an average increase of $48 per month for a full coverage policy.
Best Oklahoma car insurance rates after an accident: State Farm
State Farm has the best full coverage quotes for drivers in Oklahoma with an accident on their records. At $186 per month, a policy from State Farm is 38% less than the statewide average.
Best auto insurance in Oklahoma after an accident
Company | Monthly rate |
|---|---|
| State Farm | $186 |
| Progressive | $211 |
| Shelter | $266 |
| Farm Bureau | $275 |
| USAA | $173 |
*USAA is only available to current and former military members and their families.
Auto insurance quotes in Oklahoma go up by an average of 41% after an at-fault accident.
Your car insurance rates shouldn't go up if another driver hits you. In Oklahoma, it's illegal for your insurance company to raise your rates if you file a claim for an accident that wasn't your fault.
However, insurance companies are able to apply "surcharges," which usually last up to three years and are the same regardless of how expensive your claim was.
Cheapest auto insurance in OK for teens: Shelter and Geico
Shelter and Geico have the cheapest auto insurance in Oklahoma for young drivers.
- Minimum liability coverage: Both Geico and Shelter offer liability-only insurance for $163 per month for an 18-year-old in Oklahoma. That's $94 per month less than the statewide average. Shelter has better-rated service and more discounts than Geico, so that's the better choice for most people.
- Full coverage: Geico is the cheapest option for full coverage, at $475 per month. Shelter is about $50 more.
Best cheap car insurance in Oklahoma for teens
Company | Liability only | Full coverage |
|---|---|---|
| Shelter | $163 | $520 |
| Geico | $163 | $475 |
| State Farm | $173 | $508 |
| Progressive | $193 | $583 |
| USAA | $82 | $252 |
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 accidents than older drivers.
- 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 as much as the cheapest company.
- Ask each insurance company about discounts. Many companies have discounts for being a good student or taking safe driving classes.
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.
- Speeding ticket: Minimum liability insurance from State Farm costs $188 per month for an 18-year-old driver with a speeding ticket in Oklahoma. That's $60 per month less than the state average.
- Accident: State Farm also has the cheapest rates for young drivers who cause an accident. Minimum liability coverage from State Farm costs $173 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 | $188 | $173 |
| Shelter | $198 | $235 |
| Geico | $206 | $284 |
| Progressive | $206 | $219 |
| USAA | $119 | $132 |
USAA is only available to current and former military members and their families.
Oklahoma teens could see their rates increase by around 16% after one speeding ticket and 33% 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 $160 per month after a DUI. That's $165 per month cheaper than average. It's also about half the cost of the second-cheapest company, which is Shelter.
Best Oklahoma insurance companies after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $160 |
| Shelter | $304 |
| Mercury | $313 |
| Geico | $330 |
| USAA | $217 |
USAA is only available to current and former military members and their families.
After a DUI in Oklahoma, rates could increase by about $110 per month for a full coverage policy. That's because insurance companies consider drivers with a DUI more likely to cause crashes in the future.
Cheapest insurance in Oklahoma for drivers with poor credit: Progressive
Progressive has the cheapest auto insurance in Oklahoma if you have poor credit. Full coverage insurance from Progressive costs $205 per month, which is half the Oklahoma average.
Affordable Oklahoma car insurance for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $205 |
| Farm Bureau | $254 |
| Geico | $290 |
| Mercury | $399 |
| USAA | $216 |
USAA is only available to current and former military members and their families.
Drivers with bad credit scores pay about twice as much for full coverage insurance in Oklahoma, compared to those with good scores. That's because insurance companies believe drivers with poor credit are more likely to make claims in the future.
Is your car insurance company raising rates in Oklahoma in 2026?
Only one company, American Family, has had a meaningful rate increase in Oklahoma in 2026. But a handful of companies have lowered rates across the state.
- ↑ Biggest increase: American Family at +8.7%
- ↓ Biggest decrease: American Farmers & Ranchers at -5.0%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| American Farmers & Ranchers | ↓ 5.0% | ↑ 19.6% |
| Shelter | ↓ 4.2% | ↑ 39.9% |
| Progressive | ↓ 3.5% | ↑ 19.8% |
| Geico | ↓ 0.6% | ↑ 40.0% |
| Allstate | ↓ 0.3% | ↑ 45.6% |
| State Farm | ↓ 0.2% | ↑ 17.6% |
| Farmers | ↓ 0.2% | ↑ 61.0% |
| USAA | 0.0% | ↑ 24.4% |
| Farm Bureau | 0.0% | ↑ 39.5% |
| Travelers | 0.0% | ↑ 41.5% |
| Liberty Mutual | ↑ 1.3% | ↑ 41.5% |
| American Family | ↑ 8.7% | ↑ 165.6% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What is the minimum car insurance required in Oklahoma?
You must have a minimum amount of liability insurance in Oklahoma to drive legally and avoid penalties. 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
Apart from a liability policy, there are several alternative methods to satisfy the Oklahoma Compulsory Insurance Law. The DPS will accept your vehicle registration, in the event you do not have proof of a car insurance policy, if you can provide a certificate (issued by the DPS) of insurance for one of these:
Certificate of cash/security deposit: When you either deposit $75,000 in cash directly with the DPS or show a valid certificate of deposit for the same amount issued by an Oklahoma financial institution (for example, a bank), the DPS should give you a certificate of deposit as your proof of insurance. The department's commissioner will use this deposit to pay down any future judgments or claims against you for an accident you cause, at least up to the same amount as an insurer would pay under a minimum liability policy in Oklahoma.
Certificate of self-insurance: If you have more than 25 cars registered in your name in Oklahoma, you may be qualified to become a self-insurer under the circumstances. You'll need to prove to the DPS that you have the financial ability to satisfy all payments that arise from any accident caused by one of your fleet of cars and provide any documents the commissioner requests. When the commissioner is satisfied, you will receive a certificate to prove your financial responsibility.
In Oklahoma, driving without insurance is a misdemeanor. If you don't have your insurance ID card or have allowed your coverage to lapse, you'll face steep penalties. And if you're convicted of driving without insurance when involved in an accident, you may have to cover any resulting medical bills and property damage costs.
Potential fines and penalties for driving without insurance in Oklahoma- Fine: Up to $250
- Imprisonment: Up to 30 days
- Driving privileges: License and registration suspension until proof of current financial responsibility is provided, $300 reinstatement fee; vehicle impoundment
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 destroy 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 rates in 2026 for Oklahoma drivers who want good coverage after a crash or a basic insurance policy. You'll pay an average of $128 per month for a full coverage policy and $37 per month for minimum liability insurance.
How much is car insurance in Oklahoma per month?
The average cost of car insurance in Oklahoma is $214 per month for full coverage. That's $6 per month more expensive than the national average.
Oklahoma has very high car theft rates compared to other states, according to the FBI. 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.
How much is car insurance in OKC?
Auto insurance in Oklahoma City costs $248 per month for full coverage. That's 16% 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 2018 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: $50,000 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.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Oklahoma Insurance Department. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
