The cheapest car insurance in Oklahoma costs $99 per month for a full coverage policy from Progressive. That’s a $79 savings from the average cost of insurance in the state, which is $178 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Oklahoma including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- 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.
Which company offers the cheapest car insurance rates in Oklahoma?
Based on data analysis by CarInsurance.com, Progressive provides the cheapest full coverage auto insurance rates for Oklahoma drivers at a monthly rate of $99 or $1,194 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Oklahoma.
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 insurers for different coverage levels in Oklahoma
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property 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 Oklahoma insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Oklahoma’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $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 car insurance companies in Oklahoma for full coverage
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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Oklahoma based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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 auto insurance in Oklahoma by driving history
Your driving history impacts insurance premiums in Oklahoma, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Oklahoma, drivers with a history of traffic violation pay an average of $752 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Oklahoma
If you’ve got a speeding ticket on your Oklahoma driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,526, State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Oklahoma.
| 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 rates after an at-fault accident in Oklahoma
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,621.
Geico is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,059.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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
Car insurance discounts in Oklahoma can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Oklahoma.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 |
Final thoughts on cheap car insurance in Oklahoma
Our research shows that Progressive has the cheapest full coverage car insurance rates in Oklahoma for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Oklahoma, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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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