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.
Which company offers the cheapest car insurance 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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Oklahoma by different insurance carriers for a full coverage policy.
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.
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Who pays the lowest auto insurance premiums in Oklahoma?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Oklahoma
In Oklahoma, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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 are the average annual rates from major insurance companies in Oklahoma, ranked from cheapest to the most expensive for the 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 insurance providers for liability-only coverage in Oklahoma
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
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
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $752 more annually in Oklahoma than an individual with a clean driving record.
Cheap car insurance in Oklahoma after a speeding ticket
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
State Farm offers the cheapest car insurance to Oklahoma drivers with a DUI conviction at $1,526 per year and Mercury Insurance has the second-cheapest insurance premiums at $2,225 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 30% less than those with a history of 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 accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Oklahoma cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
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
Average savings on car insurance in Oklahoma
Shopping around for car insurance quotes in Oklahoma can help drivers save 44% annually on full coverage policies.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Oklahoma: Save on premiums
Oklahoma drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Oklahoma.
| 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 auto 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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Oklahoma