Cheapest Car Insurance Oklahoma

While it’s nice to pay the lowest rates for car insurance in Oklahoma, consider the quality of coverage as well. The providers below combine affordable car insurance premiums with some of the industry’s highest standards for customer service.

Cheapest Car Insurance Companies in Oklahoma

The cheapest car insurance companies in Oklahoma are USAA, State Farm, Geico and American Farmers & Ranchers Insurance. We have evaluated each provider across several categories, including cost and coverage. The table below shows our final ratings of each:

Top Oklahoma Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	% of Discounts Offered	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Geico Learn More	9.1	8.4	9.1	16	Learn More
Progressive Learn More	9.0	9.5	7.8	N/A	Learn More

Top Oklahoma Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	% of Discounts Offered	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Geico Learn More	9.1	8.4	9.1	16	Learn More
Progressive Learn More	9.0	9.5	7.8	N/A	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Oklahoma.

We always recommend comparing rates from multiple providers before choosing your auto insurance company. Each company has different methods for premiums, so comparing quotes will help you find the cheapest car insurance in Oklahoma.

Cheapest Car Insurance Coverage in Oklahoma

The coverage you pick will have a big impact on how much you pay. Only minimum liability is required, but this only pays for medical bills and property damages to the other driver in an accident you cause. Full coverage car insurance will cover you and your vehicle, so it’s usually a good idea to opt for this kind of policy if you can afford it.

Below are the cheapest options in Oklahoma for both coverage types.

Cheapest Liability Car Insurance in Oklahoma

Drivers with safe driving histories pay about $43 per month or $516 per year for minimum liability coverage in Oklahoma, which is among some of the cheapest rates in the nation. The cheapest providers for minimum coverage in the Sooner State are USAA, American Farmers & Ranchers and State Farm.

Cheapest Full Coverage Car Insurance in Oklahoma

The average cost of full coverage car insurance in Oklahoma is $2,278 per year, or about $144 per month. This number falls slightly above the national average rate of $2,008 annually.

Look to USAA, State Farm, Geico and Progressive for the cheapest car insurance in Oklahoma. When you compare car insurance quotes online, expect to find exceptional rates from these providers.

Credit scores, driving histories and age can have huge impacts on the costs of car insurance in Oklahoma. Below we compare cheap car insurance estimates for Oklahoma drivers in these categories.

Cheapest Car Insurance for Young Drivers in Oklahoma

Age is one of the biggest factors that affects car insurance rates. In Oklahoma, teens can pay over three times what middle-aged drivers pay for car insurance. Below are full coverage rate estimates for a range of ages.

Cheapest Oklahoma Car Insurance for 16-Year-Olds

Sixteen-year-olds with their own insurance policies pay the highest rates. According to our estimates, average rates are $8,117 per year for this age group. That’s why many teen drivers simply join their parents’ auto insurance policies. 

Sixteen-year-olds looking for their own coverage can shop from American Farmers & Ranchers, State Farm or Shelter Insurance for cheaper rates.

Cheapest Oklahoma Car Insurance for 17-Year-Olds

In Oklahoma, 17-year-olds pay about $5,242 per year for full coverage car insurance on average. This is only slightly less than what 16-year-olds pay.

*Costs were taken from 2022 information.

Cheapest Oklahoma Car Insurance for 18-Year-Olds

Car insurance for 18-year-olds is still expensive, at about $4,759 per year on average.

*Costs were taken from 2022 information.

Cheapest Oklahoma Car Insurance for 21-Year-Olds

By the time drivers turn 21, they pay much less for car insurance in Oklahoma. On average, this age group pays about $2,671 per year for full-coverage policies.

*Costs were taken from 2022 information.

Cheapest Oklahoma Car Insurance for 25-Year-Olds

Twenty-five-year-olds in Oklahoma pay about $2,624 per year for full coverage auto insurance. The cheapest providers for this age group are USAA, Geico and State Farm.

Cheapest Oklahoma Car Insurance for High-risk Drivers

Besides age, many other factors influence what you pay for car insurance, including speeding tickets, accidents, DUIs and even your credit history.

Cheapest Oklahoma Car Insurance for Drivers With a Speeding Ticket

Getting a speeding ticket can quickly raise your car insurance premiums in Oklahoma. Drivers with a speeding violation on their record pay an average of $2,739 per year in the Sooner State.

Cheapest Oklahoma Car Insurance for Drivers With a Recent Accident

Your Oklahoma auto insurance rates will increase if you get into a car accident. A recent incident on your driving record leads to average car insurance rates of $3,066 per year.

Cheapest Oklahoma Car Insurance for Drivers With a DUI

If you receive a DUI, expect your car insurance rates to increase significantly. Oklahoma auto insurance premiums skyrocket to an average of $3,255 per year after a DUI violation.

Cheapest Oklahoma Car Insurance for Drivers With Poor Credit

Drivers with bad credit typically pay extremely high rates for car insurance policies. That holds true in the Sooner State, where drivers with poor credit pay $3,408 per year on average for car insurance coverage.

Car Insurance Deals in Oklahoma

Most car insurance companies offer a wide array of car insurance discounts drivers in Oklahoma. The table below shows which car insurance discounts the best cheap car insurance companies provide, which we’ll explain in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Oklahoma

Oklahoma may not be one of the most expensive states to insure a car in, but drivers can still find ways to lower their premiums with different deals and discounts. Most companies in Oklahoma will offer a variety of discounts that will be based on your driver profile.

Here’s more information on the most common types of discounts offered by auto insurance companies:

• Multi-policy: Bundling two or more insurance policies with the same company, such as adding a renters policy to your auto coverage
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies with your family members or friends
• Military: Applies whether you’re an active military member or a veteran
• Senior: Typically applies to policyholders who are 55 and older
• Homeowners: You may qualify for this discount if you’re paying a mortgage on a home
• Good student: Usually for students under 25 who maintain a B average in their courses
• Good driver: Applies to drivers with no at-fault accidents, DUIs, or speeding tickets in the last three years
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: This discount applies if your vehicle has safety features like anti-theft technology or automatic braking
• Paperless: Get a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in Oklahoma, the sections below contain more detailed information:

The average estimated rate for full coverage car insurance in Oklahoma is around $2,278 per year, based on the profile of a 35-year-old driver with good credit and a clean driving record. That number is slightly lower than the national average of $2,008. 

In this graphic you can see how Oklahoma compares to the rest of the United States:

Cost of Oklahoma Car Insurance by City

While Oklahoma City drivers pay close to the statewide average for full coverage car insurance, those in Tulsa tend to pay considerably more. 

Insurance companies tend to charge higher prices for drivers that live in densely-populated areas with higher rates of theft and car crashes. This is why more rural motorists typically pay less than those who live in Tulsa or Oklahoma City.

*Average rates by city apply to the three most popular providers per location.

Oklahoma Car Insurance Cost by Age

Age has a significant role in how car insurance rates are calculated in Oklahoma. According to our research, 16-year-old drivers in this state pay an average of $8,117 per year for full coverage insurance, while car insurance for 55-year-olds costs around $2,057 per year on average.

Below are the rate estimates for age groups ranging from 16 to 75 in Oklahoma:

Factors That Affect Oklahoma Car Insurance Rates

We’ve covered how your age, driving history and location can affect your rates for auto insurance in Oklahoma.

However, there are additional factors that can raise or lower your premium:

• Credit score: You can expect to see some of the cheapest rates if you have a strong credit history.
• Coverage choices: Full coverage policies are best for making sure you’re covered in an accident, but opting for a minimum policy can save you a lot.
• Deductible amount: You’ll save on your premiums if you choose a higher deductible, but if you get into an at-fault accident, you’ll have to pay more out of pocket.
• Discounts: If you take advantage of your provider’s discounts and other savings opportunities, you can lower your rates, like when you bundle your auto insurance with your renters or homeowners policy.

The best way to uncover cheap car insurance in the Sooner State is by comparing free quotes from providers. By doing so, you may notice that one company offers significantly lower rates for your situation.

Oklahoma follows an at-fault system, meaning whoever causes an accident must pay for all damages. Drivers in states with at-fault systems typically pay lower prices for auto coverage, which is consistent with Oklahoma’s below-average rates.

Oklahoma Minimum Coverage Requirements

It’s critical that Oklahoma drivers follow the minimum coverage requirements mandated by state law. Below, we’ll outline all major Sooner State requirements for auto insurance:

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $25,000 per accident

You don’t need uninsured motorist coverage, underinsured motorist insurance or medical payments coverage to meet the standards for car insurance in Oklahoma.

Although it doesn’t take much to meet Oklahoma’s minimum coverage requirements, they won’t offer much protection to you and your vehicle after an accident. Many Oklahoma drivers opt for additional insurance options, such as collision insurance and comprehensive coverage, to receive stronger protection.

Carefully consider USAA, State Farm, Geico and American Farmers & Ranchers if you’re seeking the cheapest car insurance in Oklahoma. The easiest way to find competitive rates and quality coverage is by comparing car insurance quotes from providers before making a decision.

In this article, we reviewed the cheapest auto insurance companies in the state of Oklahoma. Remember to drive safely and maintain a good credit score to get some of the best rates. You may also qualify for numerous discounts from your provider. You can get a better idea of which provider is right for you by comparing quotes from several.

Car Insurance Oklahoma: FAQ

Below are some frequently asked questions about Oklahoma car insurance:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.