You can find the cheapest full-coverage car insurance in Oklahoma for $99 a month from Progressive. It saves you $79 compared to the state average car insurance cost of $178 monthly.
Shopping for car insurance in Oklahoma can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Oklahoma should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Progressive stands out as the cheapest option for full coverage car insurance in Oklahoma, with an insurance premium of $99 per month.
- Drivers in Oklahoma with a clean record pay 30% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Oklahoma is Vera, with an annual premium of $1,970.
- Oklahoma drivers can save up to 44% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Car insurance companies with cheap car insurance in Oklahoma
Progressive has the cheapest full coverage car insurance in Oklahoma, at an average premium of $99 per month or around $1,194 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Oklahoma. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Oklahoma per month
| Company | Full coverage monthly rates |
|---|---|
| Progressive | $99 |
| GEICO | $152 |
| State Farm | $155 |
| Shelter Insurance | $171 |
| AFR Insurance | $172 |
| Mercury Insurance | $186 |
| Allstate | $225 |
| Farmers | $226 |
| Oklahoma Farm Bureau | $275 |
| USAA* | $121 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Oklahoma?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 10% less than single drivers.
- Oklahoma drivers with clean records pay 30% less than drivers who have a DUI on their record.
- Oklahoma drivers in their 20s pay 59% lower rates for insurance than a 16-year-old in Oklahoma.
- Adding a teen to your policy will cost you 67% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 26% less on their insurance premiums.
- Drivers insured for three or more years can save up to 20% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest Oklahoma companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Progressive is the cheapest for a state minimum policy.
- Progressive has the cheapest rates for a liability-only policy (50/100/50).
- Progressive offers the cheapest car insurance for a full coverage policy (100/300/100) in Oklahoma.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in Oklahoma
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Oklahoma, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Oklahoma, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Progressive | $254 |
| State Farm | $289 |
| GEICO | $291 |
| AFR Insurance | $334 |
| Mercury Insurance | $343 |
| Shelter Insurance | $417 |
| Oklahoma Farm Bureau | $619 |
| Allstate | $639 |
| Farmers | $641 |
| USAA* | $268 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Oklahoma
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Oklahoma, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Progressive | $372 |
| State Farm | $500 |
| AFR Insurance | $545 |
| GEICO | $562 |
| Mercury Insurance | $564 |
| Shelter Insurance | $686 |
| Allstate | $879 |
| Oklahoma Farm Bureau | $934 |
| Farmers | $1,133 |
| USAA* | $408 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Oklahoma
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Oklahoma from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Progressive | $1,194 |
| GEICO | $1,820 |
| State Farm | $1,861 |
| Shelter Insurance | $2,055 |
| AFR Insurance | $2,063 |
| Mercury Insurance | $2,237 |
| Allstate | $2,699 |
| Farmers | $2,717 |
| Oklahoma Farm Bureau | $3,295 |
| USAA* | $1,447 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Oklahoma by driving history
In Oklahoma, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Oklahoma, drivers with a history of such violations typically pay $752 more annually than drivers with clean records.
Cheap car insurance in Oklahoma after a speeding ticket
If you have a speeding ticket on your Oklahoma driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,526 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,431 | $1,526 | 7% | $95 |
| GEICO | $1,096 | $1,913 | 75% | $817 |
| Farmers | $1,708 | $2,208 | 29% | $500 |
| Allstate | $2,021 | $2,215 | 10% | $195 |
| Mercury Insurance | $1,728 | $2,376 | 38% | $648 |
| Shelter | $1,991 | $2,716 | 36% | $725 |
| Oklahoma Farm Bureau | $2,865 | $3,360 | 17% | $495 |
| Progressive | $2,779 | $3,784 | 36% | $1,005 |
| USAA* | $1,185 | $1,488 | 26% | $303 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Oklahoma after a DUI conviction
Oklahoma drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,526 a year, followed by Mercury Insurance with an annual premium of $2,225 annually, based on recent data.
If you have a clean record, you are likely to pay 30% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,431 | $1,526 | 7% | $95 |
| Mercury Insurance | $1,728 | $2,225 | 29% | $497 |
| GEICO | $1,096 | $2,277 | 108% | $1,181 |
| Farmers | $1,708 | $2,299 | 35% | $591 |
| Allstate | $2,021 | $2,573 | 27% | $552 |
| Progressive | $2,779 | $3,229 | 16% | $451 |
| Shelter | $1,991 | $3,278 | 65% | $1,287 |
| Oklahoma Farm Bureau | $2,865 | $4,516 | 58% | $1,651 |
| USAA* | $1,185 | $2,169 | 83% | $984 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Oklahoma after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,621 a year.
On the other hand, GEICO offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,059.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,431 | $1,621 | 13% | $190 |
| GEICO | $1,096 | $2,059 | 88% | $964 |
| Farmers | $1,708 | $2,394 | 40% | $687 |
| Allstate | $2,021 | $2,711 | 34% | $690 |
| Oklahoma Farm Bureau | $2,865 | $3,130 | 9% | $265 |
| Shelter | $1,991 | $3,381 | 70% | $1,390 |
| Mercury Insurance | $1,728 | $3,450 | 100% | $1,722 |
| Progressive | $2,779 | $4,920 | 77% | $2,142 |
| USAA* | $1,185 | $1,750 | 48% | $565 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Oklahoma
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Oklahoma, Vera stands out as the city with the lowest auto insurance rates, at an average of $1,970 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Oklahoma with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Vera | $1,970 |
| Ramona | $1,978 |
| Altus Afb | $1,986 |
| Bartlesville | $1,986 |
| Indiahoma | $1,992 |
| Elgin | $1,994 |
| Fletcher | $1,994 |
| Chattanooga | $1,996 |
| Enid | $1,996 |
| Medicine Park | $2,002 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Oklahoma?
By comparing car insurance quotes, you can save an average of 44% per year for a full coverage policy in Oklahoma.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Oklahoma: Save on premiums
In Oklahoma, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Oklahoma below.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 1% | $34 |
| Daily commute | 4% | $85 |
| Days advanced purchase | 6% | $126 |
| Days per week driven | 4% | $85 |
| Education | 25% | $617 |
| Electronic funds transfer | 3% | $64 |
| Electronic signature | 1% | $32 |
| Homeowner | 10% | $258 |
| Lower annual mileage | 5% | $107 |
| Loyalty – years renewal with company | 8% | $188 |
| Marital status | 10% | $246 |
| Multi policy | 12% | $292 |
| Paperless/electornic documents | 5% | $115 |
| Payment type | 11% | $254 |
| Primary use | 8% | $188 |
| Profession | 9% | $223 |
| Safety devices | 3% | $75 |
| Telematics | 8% | $168 |
| Years insured | 19% | $647 |
| Years licensed | 24% | $1,070 |
The bottom line on cheap car insurance in Oklahoma
Based on our research, if you are a good driver, Progressive is the cheapest in Oklahoma for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Oklahoma is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Oklahoma for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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