Who Has the Cheapest Car Insurance Quotes in Oklahoma? (2024)
State Farm has the cheapest full coverage quotes in Oklahoma, at $110 per month.
Find Cheap Auto Insurance Quotes in Oklahoma
Best cheap car insurance companies in Oklahoma
How we chose the top companies
Best and cheapest car insurance in Oklahoma
- Cheapest full coverage: State Farm, $110/mo
- Cheapest minimum liability: Progressive, $29/mo
- Cheapest for young drivers: State Farm, $105/mo
- Cheapest after a ticket: State Farm, $115/mo
- Cheapest after an accident: State Farm, $122/mo
- Cheapest for teens after a ticket: State Farm, $113/mo
- Cheapest after a DUI: Progressive, $169/mo
- Cheapest for poor credit: Farm Bureau, $195/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of cheap rates and great customer service in Oklahoma.
Shelter is also a good choice. It has reliable customer service, but it's typically more expensive than State Farm. While Progressive has cheap rates, its customer service reviews aren't good.
Cheapest car insurance in Oklahoma: State Farm
State Farm has the cheapest full coverage car insurance in Oklahoma, at $110 per month.
That's $67 per month cheaper than the Oklahoma average, and $38 per month less than the second-best option, Progressive.
The average cost of car insurance in Oklahoma is $177 per month for full coverage.
Find Cheap Auto Insurance Quotes in Oklahoma
USAA offers even cheaper rates to Oklahoma drivers with military ties. Full coverage from USAA costs $106 per month, on average.
However, only military members, veterans and their families can buy car insurance from USAA.
Best cheap full coverage car insurance in Oklahoma
Company | Monthly rate | |
|---|---|---|
| State Farm | $110 |
| Progressive | $148 |
| Shelter | $161 |
| Farm Bureau | $195 |
| Geico | $197 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Oklahoma: Progressive
Progressive has the most affordable quotes for minimum liability insurance in Oklahoma.
Minimum liability coverage from Progressive costs $29 per month. That's 48% cheaper than the Oklahoma average, which is $55 per month.
You should also compare quotes from State Farm, where a minimum liability policy costs $31 per month. State Farm has a better customer service reputation than Progressive. You can count on State Farm to get you back on the road more quickly after a crash. Great service after an accident may be worth the extra $2 per month.
Best cheap liability car insurance in Oklahoma
Company | Monthly rate |
|---|---|
| Progressive | $29 |
| State Farm | $31 |
| Shelter | $50 |
| Farm Bureau | $54 |
| Geico | $64 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Oklahoma
Cheapest quotes for teen drivers: State Farm
State Farm has the cheapest auto insurance in Oklahoma for young drivers.
Liability-only insurance from State Farm costs $105 per month for an 18-year-old in Oklahoma. That's $90 per month less than the statewide average.
The company is also the cheapest for full coverage policies, at $292 per month. Full coverage from State Farm is 47% cheaper than average, and $102 per month less than the second-best company, Shelter.
Best cheap auto insurance in Oklahoma for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $105 | $292 |
| Shelter | $131 | $394 |
| Progressive | $161 | $687 |
| Geico | $184 | $492 |
| Farm Bureau | $211 | $578 |
Insurance for an 18-year-old in Oklahoma costs more than three times as much as the rate for a 30-year-old driver.
That's because drivers in their teens or early 20s are more likely to cause an accident than drivers in their 30s or 40s.
There are a few ways for teen drivers to save money on insurance.
- Share an insurance plan with your parents. The cost of a family policy is typically around 62% less expensive than two separate policies.
- Compare free auto insurance quotes from multiple companies, including smaller local companies.
- Ask each insurance company about the discounts you could qualify for. Many companies have discounts for being a good student or taking safe driving classes.
Cheapest quotes in OK after a speeding ticket: State Farm
State Farm has the most affordable rates in Oklahoma after a speeding ticket, at $115 per month for full coverage. That's $97 per month cheaper than the Oklahoma average, which is $212 per month.
Company | Monthly rate |
|---|---|
| State Farm | $115 |
| Shelter | $188 |
| Progressive | $193 |
| Farm Bureau | $195 |
| Allstate | $236 |
One speeding ticket will raise your rates by about 20% in Oklahoma. That's an average increase of $36 per month.
Cheapest Oklahoma auto insurance after an accident: State Farm
State Farm has the best full coverage quotes for drivers in Oklahoma after an at-fault accident. At $121 per month, a policy from State Farm costs half as much as the statewide average.
Best auto insurance in Oklahoma after an accident
Company | Monthly rate |
|---|---|
| State Farm | $122 |
| Shelter | $205 |
| Farm Bureau | $212 |
| Progressive | $239 |
| Allstate | $296 |
Auto insurance quotes in Oklahoma go up by an average 42% after an at-fault accident. However, not all companies raise rates by the same amount.
For example, Farm Bureau only increases rates by 9% after your first at-fault accident. But Geico's rates go up by 82% after you cause a crash.
Cheapest quotes for teens after a speeding ticket or accident: State Farm
State Farm has the most affordable rates for young drivers in Oklahoma with a speeding ticket or accident on their record.
Minimum liability insurance from State Farm costs $113 per month for 18-year-old drivers with a speeding ticket in Oklahoma. The second-cheapest option is Shelter, but it costs $47 per month more than State Farm, on average.
Young drivers who cause an accident pay around $125 per month for minimum coverage from State Farm. That's $55 per month cheaper than the second-best option, Progressive.
Cheap Oklahoma car insurance for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $113 | $125 |
| Shelter | $160 | $190 |
| Progressive | $166 | $180 |
| Farm Bureau | $211 | $240 |
| Geico | $213 | $289 |
Oklahoma teens can expect their rates to increase by 15% after one speeding ticket, and 30% after an at-fault accident.
Cheapest insurance in Oklahoma after a DUI: Progressive
Progressive has the best rates for drivers in Oklahoma with a DUI. A full coverage policy from Progressive costs $169 per month after a DUI. That's nearly $100 per month cheaper than average.
The next-cheapest company is State Farm, though its average rate is $57 per month more expensive than Progressive's.
Cheapest Oklahoma car insurance companies for a DUI
Company | Monthly rate |
|---|---|
| Progressive | $169 |
| State Farm | $226 |
| Shelter | $234 |
| Allstate | $280 |
| Farm Bureau | $305 |
After a DUI in Oklahoma, you can expect your rates to increase by about 50%, or $88 per month, on average. That's because insurance companies consider drivers with a DUI more likely to cause a crash in the future.
Best quotes for drivers with poor credit: Farm Bureau
Farm Bureau has the cheapest auto insurance in Oklahoma if you have poor credit. Full coverage insurance from Farm Bureau costs $195 per month for drivers with a poor credit score. That's $111 per month cheaper than the state average, which is $307 per month.
Cheapest Oklahoma car insurance for poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $195 |
| Progressive | $245 |
| Geico | $289 |
| Allstate | $308 |
| Shelter | $318 |
Drivers with bad credit scores pay 74% more for full coverage insurance in Oklahoma than those with average or good scores. That's because insurance companies consider drivers with poor credit more likely to make a claim in the future.
Best car insurance in Oklahoma
USAA is the best car insurance company in Oklahoma based on its excellent customer service and cheap rates.
However, USAA is only available to current and former military members and their families.
State Farm is the best company for Oklahoma drivers who aren't eligible for USAA. It offers reliable customer service, a variety of insurance options and some of the lowest rates in Oklahoma.
Best insurance companies in Oklahoma
Company |
Editor's rating
|
J.D. Power
|
A.M. Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Shelter | 866 | A | |
| Geico | 835 | A++ |
Finding the cheapest car insurance is important, but you should also consider customer service reviews.
A company with great customer service can help you get back on the road quickly after an accident. But poor customer service can lead to a longer claims process. And you may end up paying more money for repairs after a crash.
Average Oklahoma auto insurance quotes by city
Ochelata, a small town north of Tulsa, is the cheapest city for auto insurance in Oklahoma, at $162 per month for full coverage.
Forest Park, which is part of the Oklahoma City metro area, is the most expensive at $204 per month.
Average cost of car insurance by city in OK
City | Monthly rate | % from average |
|---|---|---|
| Achille | $163 | 0% |
| Ada | $157 | -3% |
| Adair | $157 | -4% |
| Adams | $153 | -6% |
| Addington | $158 | -3% |
The price of full coverage car insurance varies by up to $42 per month across the state of Oklahoma.
You'll pay more or less based on how likely people who live in your area are to make an insurance claim. Car insurance rates are typically more expensive in large cities with lots of traffic and higher crime rates. That's because people living in these cities are more likely to be in an accident or have their car stolen.
For example, full coverage car insurance in Oklahoma City costs $196 per month, and car insurance in Tulsa costs $197 per month. That's 11% and 12% higher than the state average, respectively.
Oklahoma car insurance requirements
You must have a minimum amount of liability insurance in Oklahoma to drive legally. Oklahoma drivers have to have bodily injury liability coverage, as well as property damage liability coverage. This requirement is often written as 25/50/25.
- Bodily injury liability: $25,000 per person; $50,000 per accident
- Property damage liability: $25,000 per accident
Liability insurance pays for damage you cause to others. It won't pay for damage to your car due to an accident or "acts of God," like hail or a storm.
What's the best car insurance coverage for Oklahoma drivers?
A minimum coverage policy is the cheapest car insurance policy you can buy in Oklahoma. It meets the state legal requirements, but it might not cover all of your costs if you cause a crash.
For example, Oklahoma requires you to have $25,000 in bodily injury liability coverage per person. That may not be enough money to cover the medical bills of the other driver if you cause a serious accident.
Minimum coverage also doesn't pay for repairs to your car after an accident.
Full coverage car insurance in Oklahoma costs an average of $122 per month more than minimum coverage.
That's because full coverage includes more liability coverage than the minimum requirements, along with comprehensive and collision coverages.
Higher liability limits can help you avoid making a big payout if you cause a major accident. Comprehensive and collision coverages pay for damage to your car, regardless of whose fault it is.
Most lenders require you to have full coverage insurance if you have a car loan or lease. You should also consider full coverage if your car is newer than eight years old or worth more than $5,000.
Frequently asked questions
What is the cheapest state minimum insurance in Oklahoma?
Progressive has the cheapest auto insurance rates for Oklahoma drivers, at $29 per month for state minimum coverage. That's 48% less than most drivers in Oklahoma pay for coverage.
How much is car insurance in Oklahoma per month?
The average price of insurance in Oklahoma is $55 per month for minimum coverage. Full coverage car insurance costs an average $177 per month.
How much is car insurance in OKC?
Oklahoma City insurance costs $196 per month for full coverage. State Farm has the cheapest auto insurance in OKC, at $74 per month for full coverage.
Methodology
To find the cheapest car insurance in Oklahoma, ValuePenguin collected thousands of rates for ZIP codes across Oklahoma from the state's largest insurance companies. Rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full coverage quotes include liability limits above the state requirements, as well as collision and comprehensive coverages.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.