Best Car Insurance Rates in Oklahoma City

Best Car Insurance Rates in Oklahoma City

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The average rate for a minimum coverage policy among insurers in Oklahoma City is $786 per year. State Farm offers the cheapest rate at $493 per year.

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Your rates may vary significantly depending on your background and driving history. We advise our readers to compare quotes from multiple insurers before signing onto a policy.

Best cheap car insurance in Oklahoma City: State Farm

The average cost of a minimum coverage policy in Oklahoma City is $786 per year. This is $175 more than the Oklahoma state average of $611. State Farm offers the cheapest minimum liability car insurance rate in Oklahoma City at $493 per year. Progressive is the second-cheapest option at $624 per year, and Farm Bureau is third at $711 per year.

Cheapest car insurance companies in Oklahoma City, OK.

Compare Car Insurance Rates in Oklahoma City

Currently insured?

The insurance rates for minimum coverage analyzed for this study ranged from $493 to $1,289 per year.

Rank
Company
Annual rate
1State Farm$493
2Progressive$624
3Farm Bureau$711
4Allstate$712
5Farmers Insurance$989
6Geico$1,045
7Shelter$1,289
N/A*USAA$427

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

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Cheapest full coverage policy in Oklahoma City

State Farm also offers the cheapest full coverage policy in Oklahoma City at a rate of $1,607 per year. This is over $600 cheaper than the second-best rate offered by Farm Bureau, which is $2,281 per year. The third-cheapest option for a full coverage policy in Oklahoma City is offered by Allstate at a rate of $2,805 per year.

Rank
Company
Annual rate
1State Farm$1,607
2Farm Bureau$2,281
3Allstate$2,805
4Progressive$2,903
5Geico$2,989
6Shelter$3,279
7Farmers$4,534
N/A*USAA$1,583

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

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Cheap car insurance for drivers with prior incidents

If you have an accident, speeding ticket or DUI on your record, there is a good chance your car insurance rates will be more expensive.

Cheapest car insurance in Oklahoma City if you have an accident on your record

For a full coverage policy with an at-fault accident on your record, State Farm has the cheapest offer with an average rate of $1,870 per year. Among all insurers reviewed for this study, drivers in Oklahoma City with an accident on their record have to pay on average $1,372 more per year for a full coverage policy.

Rank
Company
Annual rate
1State Farm$1,870
2Farm Bureau$2,508
3Allstate$3,873
4Progressive$4,719
5Shelter$5,171
6Farmers$6,287
6Geico$6,287
N/A*USAA$2,240

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

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Cheapest car insurance for people with a speeding ticket

In most cases, your car insurance rate will increase with a speeding ticket. The cheapest insurance rate for full coverage with a speeding ticket on your record is offered by State Farm at $1,738 per year.

Out of all the insurers reviewed for this study, Farm Bureau is the only one that doesn’t have an increased rate for drivers with one speeding ticket.

Rank
Company
Annual rate
1State Farm$1,738
2Farm Bureau$2,281
3Allstate$3,103
4Progressive$3,612
5Geico$2,685
6Shelter$4,154
7Farmers$6,215
N/A*USAA$1,738

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

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Cheapest car insurance for drivers with a DUI in Oklahoma City

The cheapest full coverage policy for a driver with a DUI is offered by State Farm for $1,738. On average, drivers in Oklahoma City with a DUI on their record have to pay $1,075 per year more compared to drivers with a clean record.

Rank
Company
Annual rate
1State Farm$1,738
2Progressive$3,205
3Allstate$3,651
4Farm Bureau$3,697
5Shelter$4,154
6Geico$5,161
7Farmers$6,042
N/A*USAA$1,738

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

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Cheapest car insurance in Oklahoma City for young drivers

Teenage drivers can get the cheapest rates from State Farm, which charges an average of $4,610 per year for full coverage. The second-cheapest average rate for young drivers is offered by Farm Bureau at $7,059 per year. Due to their tendency to get into more accidents, younger drivers pay on average $4,577 per year more than adult drivers in Oklahoma City.

Rank
Company
Annual rate
1State Farm$4,610
2Farm Bureau$7,059
3Shelter$7,564
4Geico$7,378
5Farmers$8,815
6Allstate$8,691
7Progressive$10,042
N/A*USAA$3,809

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

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Best car insurance companies in Oklahoma City, Oklahoma

Based on a survey conducted by Value Penguin, USAA was rated the best car insurance company in Oklahoma in terms of customer satisfaction. 78% of respondents covered by USAA stated they were "extremely satisfied" with their most recent claim. Unfortunately, only current and former military members and their families are eligible for USAA auto insurance. State Farm was rated as having the second best customer satisfaction, and Allstate was rated third.

Cheapest car insurance in OKC by ZIP code

Most insurance policies have a relatively flat rate across Oklahoma City, but there is some variation by ZIP code. This is a result of a wide range of factors that can affect rates, including population density, traffic and crime. Across different ZIP codes in Oklahoma City, the average rates for full coverage can vary by $305.

ZIP code
Average annual insurance cost
73012$2,565
73013$2,608
73020$2,648
73049$2,628
73064$2,566
73078$2,659
73084$2,719
73099$2,608
73102$2,824
73103$2,859
73104$2,774
73105$2,839
Show All Rows
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Auto theft statistics in Oklahoma

Out of the 10 most populated cities in Oklahoma, Oklahoma City has the second-highest rate of auto thefts per 100,000 people at 576. It is second behind Tulsa, which has a rate of 755 auto thefts per 100,000 people. These are both well above the Oklahoma state average of 381 thefts per 100,000 people.

City
Population
Car thefts
Thefts per 100,000 people
Tulsa401,7003,033755.0
Oklahoma City657,8903,790576.1
Midwest City57,678195338.1
Lawton92,256259280.7
Norman125,076345275.8
Moore62,998145230.2
Enid49,598113227.8
Broken Arrow110,480177160.2
Edmond94,699119125.7
Stillwater51,00859115.7

Motor vehicle theft data was pulled from the FBI 2019 Oklahoma crime report.

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Our methodology

For this study, we collected data from eight of the largest insurers in Oklahoma City. Unless otherwise stated, the sample driver we used to check car insurance rates was a 30-year-old man with no speeding tickets, DUIs or accidents. He had an average credit score and was seeking a full coverage policy unless otherwise noted.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. The rates used were publicly sourced from insurer filings and should only be used for comparison purposes. Quotes from these insurers may differ from the estimates provided.

Source:

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.