- According to recent data, GEICO offers the cheapest full coverage car insurance in Oklahoma at $183 per month.
- Oklahoma drivers with a clean driving record pay 48% less for car insurance than drivers with a DUI.
- In Oklahoma, the city of Enid has the most affordable car insurance rates at $2,833 annually.
- Comparing price quotes from multiple insurers can help you save up to 27% per year on your car insurance policy in Oklahoma.
The cheapest full coverage car insurance in Oklahoma is $183 , saving you $66 compared to the average cost of insurance in the state, which is around $249 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Oklahoma, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Which company offers the cheapest car insurance in Oklahoma?
GEICO offers the cheapest car insurance rates in Oklahoma for a full coverage policy with an average premium of $183 per month or around $2,194 per year, based on CarInsurance.com’s rate analysis.
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 |
|---|---|
| GEICO | $183 |
| Progressive | $187 |
| Shelter Insurance | $196 |
| Mercury Insurance | $230 |
| AFR Insurance | $270 |
| Farmers | $273 |
| Allstate | $295 |
| Oklahoma Farm Bureau | $333 |
| Equity Insurance | $416 |
| USAA* | $129 |
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 9% less than single drivers.
- Oklahoma drivers with clean records pay 48% less than drivers who have a DUI on their record.
- Oklahoma drivers in their 20s pay 57% lower rates for insurance than a 16-year-old in Oklahoma.
- Adding a teen to your policy will cost you 56% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 23% less on their insurance premiums.
- Drivers insured for three or more years can save up to 17% on their insurance costs.
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:
- Mercury Insurance is the cheapest for a state minimum policy.
- Mercury Insurance has the cheapest rates for a liability-only policy (50/100/50).
- GEICO 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
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
The following table lists Oklahoma’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Mercury Insurance | $365 |
| AFR Insurance | $374 |
| GEICO | $401 |
| Progressive | $400 |
| Shelter Insurance | $560 |
| Equity Insurance | $833 |
| Allstate | $861 |
| Farmers | $886 |
| Oklahoma Farm Bureau | $959 |
| USAA* | $330 |
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 |
|---|---|
| Mercury Insurance | $415 |
| AFR Insurance | $417 |
| GEICO | $445 |
| Progressive | $456 |
| Shelter Insurance | $661 |
| Equity Insurance | $833 |
| Allstate | $920 |
| Farmers | $932 |
| Oklahoma Farm Bureau | $1,010 |
| USAA* | $379 |
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 |
|---|---|
| GEICO | $2,194 |
| Progressive | $2,241 |
| Shelter Insurance | $2,350 |
| Mercury Insurance | $2,760 |
| AFR Insurance | $3,240 |
| Farmers | $3,278 |
| Allstate | $3,536 |
| Oklahoma Farm Bureau | $3,990 |
| Equity Insurance | $4,997 |
| USAA* | $1,546 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Oklahoma, by driving history
Your driving history affects how much you pay for insurance in Oklahoma because insurance companies use it to assess the risk associated with insuring 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 $1,093 more annually in Oklahoma than an individual with a clean driving record.
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, Shelter Insurance offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $2,852 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Shelter Insurance | $2,350 | $2,852 | 21% | $502 |
| Progressive | $2,241 | $3,183 | 42% | $942 |
| Mercury Insurance | $2,760 | $3,873 | 40% | $1,113 |
| GEICO | $2,194 | $4,059 | 85% | $1,865 |
| AFR Insurance | $3,240 | $4,122 | 27% | $882 |
| Farmers | $3,278 | $4,173 | 27% | $895 |
| Allstate | $3,536 | $4,212 | 19% | $676 |
| Oklahoma Farm Bureau | $3,990 | $4,719 | 18% | $729 |
| Equity Insurance | $4,997 | $5,175 | 4% | $178 |
| USAA* | $1,546 | $1,909 | 23% | $363 |
Cheapest car insurance in Oklahoma after a DUI conviction
Progressive offers the cheapest car insurance to Oklahoma drivers with a DUI conviction at $2,784 per year and Shelter Insurance has the second-cheapest insurance premiums at $3,539 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 48% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $2,241 | $2,784 | 24% | $543 |
| Shelter Insurance | $2,350 | $3,539 | 51% | $1,189 |
| Mercury Insurance | $2,760 | $3,637 | 32% | $877 |
| GEICO | $2,194 | $4,265 | 94% | $2,071 |
| Farmers | $3,278 | $4,376 | 33% | $1,098 |
| Allstate | $3,536 | $4,686 | 33% | $1,150 |
| Equity Insurance | $4,997 | $5,395 | 8% | $398 |
| Oklahoma Farm Bureau | $3,990 | $6,421 | 61% | $2,431 |
| AFR Insurance | $3,240 | $6,780 | 109% | $3,540 |
| USAA* | $1,546 | $2,860 | 85% | $1,314 |
Cheap car insurance rates in Oklahoma after an at-fault accident
If you’re a driver with an at-fault accident on your record, Shelter Insurance is the cheapest option, offering car insurance at an average cost of $3,097 annually.
Progressive is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $3,599 .
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 |
|---|---|---|---|---|
| Shelter Insurance | $2,350 | $3,097 | 32% | $747 |
| Progressive | $2,241 | $3,599 | 61% | $1,358 |
| Oklahoma Farm Bureau | $3,990 | $4,379 | 10% | $389 |
| GEICO | $2,194 | $4,580 | 109% | $2,386 |
| Farmers | $3,278 | $4,833 | 47% | $1,555 |
| Mercury Insurance | $2,760 | $5,079 | 84% | $2,319 |
| Allstate | $3,536 | $5,089 | 44% | $1,553 |
| Equity Insurance | $4,997 | $5,395 | 8% | $398 |
| USAA* | $1,546 | $2,363 | 53% | $817 |
Check out the most affordable insurance options in your neighboring state
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.
Enid is the city with the lowest premiums in Oklahoma at an annual auto insurance rate of $2,833.
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.
Find below a list of Oklahoma cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Enid | $2,833 |
| Lawton | $2,905 |
| Stillwater | $2,912 |
| Broken Arrow | $3,000 |
| Tulsa | $3,071 |
| Midwest City | $3,080 |
| Edmond | $3,083 |
| Norman | $3,115 |
| Oklahoma City | $3,154 |
| Moore | $3,201 |
Explore the top 10 factors that influence car insurance rates
How much can you save on auto insurance in Oklahoma?
Shopping around for car insurance quotes in Oklahoma can help drivers save 27% 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
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 |
|---|---|---|
| Air Bags | 2% | $45 |
| Anti-Theft Device | 1% | $28 |
| Comp and Coll Deductibles | 22% | $664 |
| Days Advanced Purchase | 8% | $230 |
| Education | 23% | $688 |
| Electronic Funds Transfer | 3% | $75 |
| Electronic Signature | 1% | $37 |
| Homeowner | 6% | $179 |
| Lower Annual Mileage | 5% | $140 |
| Loyalty – Years Renewal With Company | 7% | $222 |
| Marital Status | 9% | $279 |
| Multi Policy | 9% | $282 |
| Paperless/Electornic Documents | 4% | $124 |
| Payment Type | 9% | $277 |
| Primary Use | 10% | $300 |
| Profession | 4% | $120 |
| Purhase Status | 8% | $246 |
| Safety Devices | 1% | $44 |
| Student Away At School | 9% | $264 |
| Telematics | 10% | $285 |
| Years Insured | 16% | $480 |
| Years Licensed | 32% | $943 |
The bottom line on cheap car insurance in Oklahoma
Based on our research, if you are a good driver, GEICO 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 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.
*USAA is only available to military community members and their families.
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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