Best Oklahoma Auto Insurance in 2024 (Check Out the Top 10 Companies)
State Farm, Progressive, and Allstate have the best Oklahoma auto insurance. You'll get the cheapest Oklahoma auto insurance if you only get minimum coverage, which costs an average of $29/mo at State Farm. However, you can still get cheap full coverage Oklahoma car insurance by comparing rates.
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Chris Abrams
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Oct 21, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsCompany Facts
Full Coverage for Oklahoma
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Full Coverage for Oklahoma
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
11,413 reviewsCompany Facts
Full Coverage for Oklahoma
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsState Farm, Progressive, and Allstate have the best Oklahoma auto insurance on the market.
Average Oklahoma auto insurance rates are slightly above the national average, averaging $123 monthly. However, drivers can still find cheap auto insurance in Oklahoma by comparing companies and maintaining a clean driving record.
Our Top 10 Company Picks: Best Oklahoma Auto Insurance
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | B | Many Discounts | State Farm |
 | #2 | 12% | A+ | Online Convenience | Progressive |
 | #3 | 10% | A+ | Add-on Coverages | Allstate |
 | #4 | 15% | A++ | Military Savings | USAA |
 | #5 | 10% | A+ | Usage Discount | Nationwide |
 | #6 | 13% | A++ | Safe Drivers | Geico |
 | #7 | 15% | A | Student Savings | American Family |
 | #8 | 10% | A | Customizable Polices | Liberty Mutual |
 | #9 | 10% | A | Local Agents | Farmers |
 | #10 | 10% | A++ | Accident Forgiveness | Travelers |
Read on to learn more about finding cheap car insurance in OK, from the cheapest minimum liability insurance rates to how DUIs affect Oklahoma insurance rates. Then, enter your ZIP code above to find the cheapest auto insurance in big cities such as Tulsa, OK.
- State Farm has the best Oklahoma car insurance
- Oklahoma car insurance laws require liability coverage
- Severe driver infractions make it harder to get cheap auto insurance in OK
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#1 – State Farm: Top Pick Overall
Pros
- Many Discounts: Oklahoma drivers can save by applying for discounts. Learn more in our State Farm review.
- Roadside Assistance: This coverage can be added to any Oklahoma policy.
- Local Agent Support: Oklahoma drivers should be able to find a nearby agent to visit in person.
Cons
- A.M. Best Rating: State Farm was given a lower rating.
- Online Tools: Agent availability means that State Farm doesn’t offer many online tools.
#2 – Progressive: Best for Online Convenience
Pros
- Online Convenience: Progressive’s online tools make policy management convenient for most customers. Learn more in our review of Progressive.
- Snapshot Discount: Progressive’s Snapshot program is optional but offers up to 30% off insurance for good drivers.
- Deductible Options: Progressive offers several options for deductible amounts to Oklahoma customers.
Cons
- Snapshot Rate Increases: Progressive may potentially increase costs for bad drivers in the program.
- Average Reviews: Most customers don’t provide high ratings for customer service.
#3 – Allstate: Best for Add-On Coverages
Pros
- Add-On Coverages: Allstate has numerous add-on options available to Oklahoma customers.
- Milewise Insurance: Oklahoma customers who travel more than 10,000 miles could save with Milewise insurance from Allstate.
- Claim Guarantee: The company guarantees claim satisfaction to Oklahoma customers.
Cons
- Customer Reviews: Some reviews aren’t favorable about Allstate’s claim handling and customer service.
- Young Driver Rates: Allstate’s rates are more expensive for Oklahoma teens. Read more in our Allstate review.
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#4 – USAA: Best for Military Savings
Pros
- Military Savings: Oklahoma veterans and military members will find some of the best rates at USAA.
- Customer Service: USAA has a good reputation for service. Learn more in our USAA review.
- Roadside Assistance: This coverage can be added to any USAA policy for assistance on Oklahoma roads.
Cons
- Restrictions on Eligibility: USAA insurance is sold to Oklahoma veterans and military members.
- Local Agent Availability: Oklahoma agents will be hard to find, as USAA mostly provides virtual assistance.
#5 – Nationwide: Best for Usage Discount
Pros
- Usage Discount: Oklahoma customers can choose to join SmartRide for a usage discount.
- Vanishing Deductible: Claims-free Oklahoma customers can earn deductible decreases.
- Multi-Policy Discount: Lower Oklahoma insurance costs by bundling policies. Read more in our Nationwide review.
Cons
- Usage Discount Data Tracking: SmartRide does require customers to let their driving data be tracked during the discount period.
- Average Customer Ratings: Nationwide’s services are considered average.
#6 – Geico: Best for Safe Drivers
Pros
- Safe Drivers: Affordable rates are easy to qualify for at Geico if you’re a safe driver.
- Online Management: Oklahoma customers will find policy management online simple.
- A.M. Best Rating: Geico was given the highest rating possible. Learn more in our review of Geico.
Cons
- Local Agent Availability: Online convenience at Geico means there aren’t local agents in Oklahoma.
- Gap Coverage: The company doesn’t have gap insurance for new vehicles.
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#7 – American Family: Best for Student Savings
Pros
- Student Savings: Good students in Oklahoma can qualify for a discount.
- Coverage Selection: Learn about the company’s large coverage selection in our American Family review.
- Good Customer Feedback: The majority of the company’s reviews are positive.
Cons
- Online Management: Some management tasks must be completed through an agent.
- New Customer Rates: New customers won’t qualify for the company’s loyalty discount.
#8 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Learn what coverages you can customize your policy with by reading our Liberty Mutual review.
- Multi-Vehicle Discount: Oklahoma customers who own multiple vehicles can save by insuring them all at Liberty Mutual.
- 24/7 Claim Filing: Oklahoma drivers can file a claim 24/7 at Liberty Mutual.
Cons
- Average Customer Ratings: Most reviews are average when rating the company’s customer service.
- High-Risk Rates: Risky drivers will pay higher Oklahoma auto insurance rates.
#9 – Farmers: Best for Local Agents
Pros
- Local Agents: Agents are available locally in Oklahoma.
- Multi-Policy Discount: Bundling policies will lower Oklahoma rates at Farmers.
- Coverage Selection: Farmers has a vast selection of Oklahoma drivers. Learn more in our review of Farmers.
Cons
- High-Risk Driver Rates: Risky drivers will pay much more for Oklahoma auto insurance coverage.
- Average Customer Ratings: Most reviews rate services as average.
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#10 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Oklahoma drivers who have good driving records may be forgiven an accident.
- IntelliDrive Discount: Joining IntelliDrive will help some Oklahoma drivers save.
- A.M. Best Rating: Travelers has an excellent financial rating.
Cons
- IntelliDrive Rate Increases: Rates may potentially increase after completing the IntelliDrive review period.
- Average Customer Ratings: Ratings from the majority of customers are average. Learn more in our Travelers’ review.
Best Auto Insurance in Oklahoma
Rates at the best companies in Oklahoma will vary based on what coverage type drivers carry.
Oklahoma Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $44 | $135 |
| American Family | $38 | $118 |
| Farmers | $44 | $136 |
| Geico | $35 | $109 |
| Liberty Mutual | $60 | $184 |
| Nationwide | $40 | $122 |
| Progressive | $36 | $110 |
| State Farm | $29 | $91 |
| Travelers | $34 | $105 |
| USAA | $22 | $68 |
If rates are expensive, Oklahoma auto insurance discounts can help lower rates.
Numerous factors besides coverage and discounts also affect your auto insurance rates, from driving record to location. However, comparing company rates from companies like State Farm, based on major factors, can help you find affordable Oklahoma auto insurance.
We’ve outlined some of the factors and resulting company rates below.
Read more: Top 7 Factors That Affect Auto Insurance Rates
Cheapest Auto Insurance in OK for Liability
Minimum liability auto insurance is the cheapest option for drivers. However, drivers should only carry the minimum amount if they can afford the financial costs of their own accident bills and other drivers’ bills exceeding the minimum insurance limits.
The cost of minimum liability insurance varies greatly by company, as shown in the average rates for cheap liability car insurance in Oklahoma below.
Oklahoma Minimum Auto Insurance Monthly Rates by Provider
| Insurance Company | Rates |
|---|---|
| Allstate | $44 |
| American Family | $38 |
| Farmers | $44 |
| Geico | $35 |
| Liberty Mutual | $60 |
| Nationwide | $40 |
| Progressive | $36 |
| State Farm | $29 |
| Travelers | $34 |
| USAA | $22 |
| U.S. Average | $45 |
According to our USAA auto insurance review and our Geico auto insurance review, these two are some of the cheapest companies in Oklahoma for minimum liability insurance, costing hundreds of dollars less than companies like Progressive and Allstate.
Cheapest Auto Insurance in OK for Full Coverage
Full coverage auto insurance is more expensive, but you can reduce Oklahoma auto insurance rates by comparing companies’ rates. Full coverage also better protects you from expensive bills after an accident, so it’s usually well worth the extra money for full coverage.
Oklahoma Full Coverage Auto Insurance Monthly Rates by Provider
| Insurance Company | Rates |
|---|---|
| Allstate | $135 |
| American Family | $118 |
| Farmers | $136 |
| Geico | $109 |
| Liberty Mutual | $184 |
| Nationwide | $122 |
| Progressive | $110 |
| State Farm | $91 |
| Travelers | $105 |
| USAA | $68 |
| U.S. Average | $119 |
USAA, Geico, and State Farm costs $1,000 less on average than companies like Allstate, showing the importance of shopping for the cheapest full coverage car insurance in Oklahoma.
Cheapest Auto Insurance in OK With Bad Credit
Most insurers charge drivers with bad credit more than those with good credit. Insurance companies view bad credit drivers as higher risk, meaning they’re more likely to miss payments and drive without insurance after it gets canceled for non-payment. Managing your auto insurance policy includes keeping up on payments.
Oklahoma Full Coverage Auto Insurance Monthly Rates by Credit Score & Provider
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| Allstate | $198 | $175 | $150 |
| American Family | $194 | $170 | $145 |
| Farmers | $233 | $205 | $180 |
| Geico | $163 | $140 | $120 |
| Liberty Mutual | $380 | $330 | $280 |
| Nationwide | $169 | $150 | $130 |
| Progressive | $202 | $180 | $155 |
| State Farm | $202 | $180 | $155 |
| Travelers | $185 | $160 | $135 |
| USAA | $154 | $130 | $110 |
| U.S. Average | $205 | $182 | $156 |
Car insurance rates can increase drastically when drivers have poor credit scores. USAA and State Farm are still some of the cheapest auto insurance companies for drivers with bad credit, whereas Allstate is one of the most expensive, by over $1,000.
Cheapest Auto Insurance in OK With an Accident
An at-fault accident results in higher rates since insurers see you as a high-risk driver. However, the amount of your rate increase depends on your company.
Oklahoma Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| Allstate | $173 | $135 |
| American Family | $178 | $118 |
| Farmers | $191 | $136 |
| Geico | $179 | $109 |
| Liberty Mutual | $327 | $184 |
| Nationwide | $172 | $122 |
| Progressive | $268 | $110 |
| State Farm | $103 | $91 |
| Travelers | $147 | $105 |
| USAA | $94 | $68 |
| U.S. Average | $173 | $119 |
As you can see from the average rates above, you could save hundreds of dollars by switching to a different company.
Also, some companies may not raise rates after your first at-fault accident if the company offers accident forgiveness.
Cheapest Auto Insurance in OK With a DUI
Similar to at-fault accidents, DUIs raise your insurance rates significantly. Oklahoma car insurance rates can increase by over $1,000 after a DUI at some companies.
Oklahoma Full Coverage Auto Insurance Monthly Rates by Driving Record & Provider
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| Allstate | $173 | $175 | $149 | $135 |
| American Family | $178 | $196 | $138 | $118 |
| Farmers | $191 | $184 | $175 | $136 |
| Geico | $179 | $189 | $146 | $109 |
| Liberty Mutual | $327 | $369 | $265 | $184 |
| Nationwide | $172 | $252 | $146 | $122 |
| Progressive | $268 | $132 | $147 | $110 |
| State Farm | $103 | $102 | $97 | $91 |
| Travelers | $147 | $219 | $142 | $105 |
| USAA | $94 | $126 | $81 | $68 |
| U.S. Average | $173 | $209 | $147 | $119 |
While Geico is one of the cheapest insurers for drivers without major infractions, it’s one of the priciest companies offering auto insurance for drivers with a DUI. So if you get a DUI — even with a cheaper company — make sure you are getting the best auto insurance for drivers with DUIs.
Cheapest Auto Insurance in OK for Young Drivers
Young drivers often pay the most expensive rates for car insurance, as their driving inexperience makes them high risk. It’s cheapest for young drivers to join their parent’s policy. But if young drivers need their own policy, it’s vital to compare rates to find the best car insurance for teens and young drivers.
Oklahoma Full Coverage Auto Insurance Monthly Rates for Teen Drivers by Gender & Provider
| Insurance Company | Female (Age 16) | Male (Age 16) | Female (Age 18) | Male (Age 18) |
|---|---|---|---|---|
| Allstate | $509 | $542 | $375 | $441 |
| American Family | $420 | $516 | $309 | $420 |
| Farmers | $877 | $816 | $647 | $664 |
| Geico | $423 | $518 | $312 | $425 |
| Liberty Mutual | $656 | $654 | $484 | $532 |
| Nationwide | $437 | $507 | $322 | $412 |
| Progressive | $905 | $928 | $667 | $755 |
| State Farm | $285 | $326 | $210 | $265 |
| Travelers | $762 | $964 | $562 | $784 |
| USAA | $286 | $289 | $211 | $235 |
| U.S. Average | $566 | $618 | $416 | $501 |
Progressive’s average rates for young drivers are well over $7,000, whereas companies like USAA and Geico cost several thousand dollars less than Progressive.
Cheapest Auto Insurance in OK by City
Area factors like crime, crash statistics, and weather can impact car insurance rates. Tulsa is one of the more expensive cities for car insurance in Oklahoma. But the average rates in Tulsa are only a few hundred dollars more than one of the cheapest cities in Oklahoma, which isn’t bad. However, comparing rates can help you find cheap Tulsa, OK, auto insurance.
More About the Cost of Oklahoma Car Insurance
Discover the localized cost of auto insurance in key Oklahoma cities with our concise breakdown.
Oklahoma Auto Insurance Cost by City
Compare rates in Broken Arrow, Lawton, Mustang, Tulsa, and Woodward to make informed decisions tailored to your location. This will help you find cheap car insurance in Oklahoma city another locations.
Oklahoma Auto Insurance Laws
Every state’s auto insurance requirements and laws differ from others, affecting insurance prices. For example, if you live in a state with heavier DUI penalties or higher minimum insurance limits, you’ll pay more than in a state with less stringent requirements.
Learn more: Minimum Auto Insurance Requirements by State
Oklahoma Minimum Auto Insurance Requirements
To drive legally in Oklahoma, all drivers must carry bodily injury liability insurance and property damage liability insurance in the following amounts:
- Bodily Injury: $25,000 per person and $50,000 per accident
- Property Damage: $25,000 per accident
Drivers should carry higher liability amounts if they can afford it. For example, if you total someone else’s car worth more than $25,000, minimum liability amounts won’t fully cover the bill.
Optional Oklahoma Auto Insurance Coverages
If you have a car lease or loan, your lender will require you to carry comprehensive and collision insurance. However, the state of Oklahoma only requires liability insurance, meaning the following coverages are optional for Oklahoma drivers:
- Comprehensive auto insurance
- Collision auto insurance
- Gap insurance
- Modified car insurance
- Non-owner auto insurance
- Rental car reimbursement
- Roadside assistance
- Uninsured motorist insurance
- Underinsured motorist insurance
- Umbrella insurance
Most drivers should consider comprehensive and collision coverages because they pay for repairs to drivers’ cars in accidents they cause or accidents outside of their control, like deer collisions.
Oklahoma DUI Penalties
DUIs in Oklahoma can result in several penalties beyond just increased insurance rates. Some of the consequences you might face include:
- Fines and fees
- Ignition interlock device
- Jail time
- Probation
- Suspended driver’s license
- Substance abuse treatment
- SR-22 certificate
The penalties for a first-time DUI are lighter than subsequent DUIs. For example, you may not get jail time on your first DUI offense, and you’ll have lower fines and fees.
Check out our report on drunk driving rates by state to see how Oklahoma compares.
Oklahoma SR-22 Auto Insurance
Drivers caught driving without insurance, with expired licenses, or impaired may have to get an SR-22 certificate. The certificate shows the state of Oklahoma that the driver is carrying the required insurance amounts. If you already have an insurance company, you can reach out and tell them you need cheap SR-22 auto insurance.
If you don’t have an Oklahoma insurance company, you may have to pay an extra filing fee when signing up, and some insurers may refuse to sell to you. If an insurance company doesn't insure you, you will have to get insurance through the state.Brandon Frady Licensed Insurance Agent
If you don’t have a car or an insurance policy, you may wonder if you’ll need to carry an SR-22 certificate. The answer is yes — you’ll still need to apply. You must purchase non-owner car insurance to qualify for the SR-22 certificate.
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More About Cheap Oklahoma Car Insurance Coverage
Where can you compare auto insurance rates? Drivers can find cheap car insurance in Oklahoma if they compare companies and rates based on their personal driving factors. While insurance may not be as cheap as in other areas, drivers can usually find cheaper insurance rates by shopping around. You can also find lower OK auto insurance rates by qualifying for discounts.
Use our free quote comparison tool to compare the best and cheapest Oklahoma insurance rates in your area today, whether you’re shopping for the best insurance in Tulsa or Norman.
Frequently Asked Questions
Why is Oklahoma insurance expensive?
Oklahoma has some of the most uninsured drivers in the U.S., making it riskier for insurers to cover drivers since companies may have to pay out claims after accidents.
How much is car insurance in Oklahoma per month?
Your Oklahoma car insurance rates depend on your driving record, company, and more. However, expect full coverage auto insurance in Oklahoma to cost $123 monthly for most drivers.
Which company has the cheapest car insurance in Oklahoma?
USAA has some of the cheapest car insurance rates in Oklahoma. However, it’s only available to active duty, veterans, and their families, so if you don’t qualify, your next affordable options are likely Geico and State Farm auto insurance.
What is the cheapest car insurance in Oklahoma?
Minimum coverage will be the cheapest auto insurance in Oklahoma.
What is Oklahoma auto insurance?
Oklahoma auto insurance refers to the insurance coverage designed specifically for vehicles registered and driven in the state of Oklahoma. It provides financial protection in case of accidents, damage to the vehicle, or injuries to individuals involved in a car accident while driving in Oklahoma.
What is the minimum auto insurance requirement in Oklahoma?
The Oklahoma minimum auto insurance requirements include liability coverage with limits of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. This is commonly referred to as 25/50/25 coverage.
Can I choose higher coverage limits than the minimum requirement?
Yes, you can choose higher coverage limits for your auto insurance in Oklahoma. It’s generally recommended to consider higher limits to provide better financial protection in case of accidents, especially if you have significant assets to protect.
How can I find affordable auto insurance in Oklahoma?
To find affordable auto insurance in Oklahoma, it’s recommended to shop around and compare quotes from different insurance providers. Compare rates today using our free quote tool to find the cheapest insurance in Oklahoma.
Additionally, factors such as your driving record, location, age, and the type of vehicle you drive can impact the cost of Oklahoma insurance. Additionally, you can inquire about available auto insurance discounts, such as safe driver discounts or multi-policy discounts, to potentially reduce your premiums.
What are the best Oklahoma car insurance companies?
State Farm, Progressive, and Allstate are the best car insurance companies in Oklahoma.
Is Oklahoma a no-fault state?
No, Oklahoma is an at-fault state.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
