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 rates 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 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.
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Who pays a lower insurance premium 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
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 companies for state minimum coverage in Oklahoma
Oklahoma requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 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 full coverage 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.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Oklahoma, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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.
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 rates 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.
Cheap car insurance rates after a DUI conviction in Oklahoma
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.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 30% less than drivers with a DUI on their record.
| 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
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,621 annually.
Geico is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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.
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 Which cities in Oklahoma have the lowest auto insurance rates?
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.
The city with the lowest auto insurance rates in Oklahoma is Vera, at $1,970 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Below is a list of cities in Oklahoma with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence 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.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good 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 |
Final thoughts on cheap car insurance in Oklahoma
Based on our findings, Progressive provides the cheapest rates for a full coverage policy in Oklahoma if you have a good driving record.
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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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 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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Managing 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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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