Who Has The Cheapest Motorcycle Insurance Quotes In Oklahoma?

Who Has The Cheapest Motorcycle Insurance Quotes In Oklahoma?

It's important to ride with motorcycle insurance, and can help to know you don't need to empty your wallet over it. We found the cheapest annual rate for motorcycle insurance in Oklahoma to be $301.

Compare Motorcycle Insurance Quotes from Providers in Oklahoma

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To see who in the Sooner State had the best motorcycle insurance rates, we gathered motorcycle insurance quotes from two major carriers for a sample rider. Use the above quote tool, or keep reading to learn more about the best insurers in the state.

Cheapest Motorcycle Insurance In Oklahoma

Geico is the most affordable insurance option for riders in Oklahoma due to its low prices and potential for future savings.
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Out of the two companies data was available for, Geico had the cheapest quotes, with an average motorcycle insurance quote of $301 in Oklahoma for our sample policy. The average motorcycle insurance quote for our sample rider and policyholder in Oklahoma from Progressive was $983. Progressive’s quotes were more than 2.8x higher than the Oklahoma average. We consider both, Geico and Progressive, to be among the best motorcycle insurance companies.

An analysis of motorcycle insurance quotes in OKlahoma by ValuePenguin found that Progressive's rates were more than 2.8x Geico's.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Oklahoma: By City

Our analysis of the five largest cities in Oklahoma revealed that, unlike most other states, they don’t all have high motorcycle insurance rates. In fact, some had quotes for our sample rider and policy that were below the average cost of motorcycle insurance in Oklahoma. While Tulsa and Broken Arrow both had premiums that were 26.4% higher than the state average, Norman and Lawton had rates that were as much as 12% lower. Typically, the largest city in a state has some of the highest motorcycle insurance quotes, but rates in Oklahoma city were only 1% higher than the state’s average.


Average Annual Rate
% Difference vs State Average


Oklahoma City$3451.0%






Broken Arrow43126.4%


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*The Average Annual Rate is rounded to the nearest whole dollar amount.

Oklahoma City, OK

The capital and largest city in the Sooner State is Oklahoma City. It has more than 631,000 residents and is the center of a metropolitan area with nearly 1.5 million. The city has one of the largest livestock markets in the world, but the natural gas, oil and petroleum product markets form the largest sector of the local economy. Motorcycle insurance rates there were only 1% higher than the state average.

Tulsa, OK

The second largest city in Oklahoma has more than 403,000 residents and is part of a metropolitan area with close to 1 million. The oil industry has been the driver of the local economy until recent years, as finance, aviation and technology companies have increased their presence in Tulsa. Motorcycle insurance rates there were 26.4% higher than the state average.

Norman, OK

Norman is just south of Oklahoma City, but a large city in its own right. More than 110,000 people call Norman home. The University of Oklahoma is located there, as well as the Oklahoma Museum of Natural History. Norman has very competitive motorcycle insurance rates for its size. Quotes there for our sample rider and policy were 12% lower than the state average.

Broken Arrow, OK

The city of Broken Arrow has roughly 106,000 residents and was named in 1902 after a group of Creek Indians who relocated there from Alabama. Broken Arrow is just east of Tulsa and was originally an agricultural community but has evolved into one that hosts manufacturing and other industries. Motorcycle insurance rates in Broken Arrow were 26.4% higher than the state average.

Lawton, OK

In the southwest Oklahoma is the city of Lawton. It has more than 96,000 residents and was built on former Native American reservation lands. It’s economy is largely dependent on the nearby military base, Fort Sill, but in recent years it has diversified like other cities in Oklahoma. Motorcycle rates in Lawton were 8.5% lower than the Oklahoma average.

Average Motorcycle Insurance Rates In Oklahoma: By City

Our study gathered motorcycle insurance quotes for a sample policy and rider across 55 places in Oklahoma. An analysis of those quotes showed that the place with the most expensive rates was 43.7% higher than the cheapest.

A ValuePenguin study of 55 places in Oklahoma found the average motorcycle insurance quote was $341 for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 55 municipalities and census-designated places in the state of Oklahoma. The quotes we gathered were from two major carriers: Progressive and Geico. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.


Average Annual Rate
% Difference vs State Average


















Boise City300-12.0%


Broken Arrow43126.4%




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*The Average Annual Rate is rounded to the nearest whole dollar amount.

Chris Moon

Chris is a Product Manager for ValuePenguin with years of experience in addressing critical questions about mortgages and homeowners insurance. He spends his time evaluating insurance providers and policy features to understand where consumers might find the most cost-effective coverage. Chris has contributed insights to the New York Times and many other publications.

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.