Cheap Oklahoma Car Insurance

Find affordable auto insurance that works for you in Oklahoma. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Oklahoma

Across the Sooner State, there are 235,004 miles of road just waiting to be driven. We’ll help you obtain quotes from quality companies with low prices. Then, you take the wheel.


Affordable insurance companies in Oklahoma

What's the cheapest car insurance in Oklahoma?
Rank Company Name Avg. Annual Premium
1 The Hartford $1,346
2 USAA $1,366
3 Progressive $1,476
4 State Farm $1,502
5 Oklahoma Farm Bureau $1,869
6 Shelter $2,109
7 Safe Auto $2,186
8 MetLife $2,191
9 Allstate $2,324
10 Safeco $5,107

Compare quotes from dozens of companies that provide coverage throughout Oklahoma. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Oklahoma

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Oklahoma drivers without a recent at-fault accident typically save 31% on their car insurance premiums — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $298 16.46%
No Accidents $693 31.40%
Good Credit $3,116 67.30%


Cheap auto insurance for young drivers in Oklahoma

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Oklahoma, the typical teen driver pays $5,649 per year — roughly $700 more than the national average for teens, and more than three times as much as the average Oklahoman driver.

Age Annual Rate with Parents Annual Rate Alone
16 $5,779 $7,433
17 $5,544 $6,734
18 $5,404 $5,923
19 $4,811 $3,568


Cheap auto insurance for bad drivers in Oklahoma

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 30% after a DUI, 31% after an at-fault accident, and 16% after a speeding ticket in Oklahoma. The post-citation penalties assessed by car insurance companies after speeding tickets and at-fault accidents in Oklahoma align with nationwide averages, but drivers receive lower-than-average rate hikes after DUI violations. If you have a clean driving record, be sure to check for good driving discounts from your insurer.

Rating Factor Annual Rate % Increase
At-Fault Accident $2,207 31.40%
DUI $2,169 30.20%
Speeding Violation $1,812 16.46%
Bad Credit $4,630 67.30%

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Top rated car insurance companies in Oklahoma

Each auto insurance company emphasizes its cheap rates. But as with any product or service, the cheapest car insurance option isn't always the best choice. Considering what's at stake, it's worth doing the research to find the policy that protects your vehicle adequately after an incident. Be patient and look for a great value, rather than settling for the cheapest auto insurance you find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 


Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Oklahoma Farm Bureau N/A N/A Good N/A
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
Shelter N/A N/A Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above average Excellent N/A
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5


Oklahoma auto insurance laws

In Oklahoma, drivers are required to maintain auto insurance coverage at or above the below levels:

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident
  • Property damage: $25,000 per accident

Optional coverage in Oklahoma (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury

If you carry the minimum required coverage in Oklahoma, prepare to pay an average of $693 annually. This is pricier than the nationwide average by 5%. If you elect more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by vehicular collisions, auto theft, or weather incidents. However, better insurance comes at a price: in Oklahoma, a comprehensive policy with a $1,000 deductible costs $1,384, 100% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 126% more than you might for basic liability-only coverage.

Learn more about auto insurance laws in the state of Oklahoma

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How tickets change insurance rates in Oklahoma

If you get a ticket, your car insurance costs may go up. By how much depends on the specific citation, your car insurance company's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Oklahoma after a few common citations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,428 56% $868
Refused Breathalyzer/Chemical Test $2,124 36% $564
DUI $2,124 36% $564
Racing $2,288 47% $728
Reckless Driving $2,253 44% $694
Driving with a Suspended License $2,302 48% $743
At-Fault Accident $2,323 49% $763
Driving with an Open Container $1,980 27% $420
Operating a Vehicle Without Permission $2,384 53% $824
Passing a School Bus $1,999 28% $439
Improper Passing $1,932 24% $372
Following Too Closely $1,933 24% $373
Speeding $1,883 21% $323
Failure to Stop at a Red Light $1,909 22% $349
Illegal Turn $1,934 24% $374
Driving Wrong Way/Wrong Lane $1,887 21% $327
Failure to Yield $1,886 21% $326
Speeding in a School Zone $1,881 21% $321
Driving Too Slowly $1,879 20% $319
Distracted Driving $1,851 19% $291
Driving with Expired Registration $1,680 8% $120
Failure to Show Documents $1,681 8% $121
Not-at-Fault Accident $1,737 11% $177
Failure to Use Child Safety Restraint $1,624 4% $64
Failure to Wear a Seat Belt $1,650 6% $90
Driving Without Lights $1,605 3% $45


Oklahoma car insurance FAQs

Who has the cheapest car insurance in Oklahoma?

The Hartford provides the cheapest insurance in Oklahoma at $723 per six-month period. If you do not qualify for The Hartford, consider USAA ($683), Progressive ($738) or State Farm ($751).

Why is Oklahoma car insurance so expensive?

Car insurance in Oklahoma is slightly more expensive than it is in the rest of the U.S., with drivers paying 12% more than average. This is mainly due to the number of uninsured drivers in Oklahoma. Currently, there are 600,000 uninsured drivers in the state — one of the highest rates in the nation.

How much is car insurance in Oklahoma per month?

For a liability-only policy, drivers pay $57 a month. Full coverage drivers pay $130.

How much does car insurance cost in Oklahoma cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Duncan, Oklahoma, and the most expensive in Tulsa, Oklahoma.

Rank City Avg. Annual Premium
1 Tulsa $2,006
2 Oklahoma City $1,991
3 Midwest City $1,989
4 Moore $1,917
5 Broken Arrow $1,883
6 Edmond $1,860
7 Norman $1,845
8 Enid $1,690
9 Lawton $1,688
10 Duncan $1,677



Who will the claims check be made out to after accident?

Since the insurance is in his name the check will be made out to him unless you're listed as the additional interest on the policy. An additional interest means you have a financial stake in the car.
Dec 10, 2018 Owasso, OK

Why am I at fault if I swerved to miss a car that ran me off the road?

In most single-vehicle accidents, the driver involved is normally considered at-fault because there simply isn't another person on which to place blame. The situation might have very well gone in your favor if the other driver had made contact with your vehicle, but it would be next to impossible to prove the other driver was the reason for the accident when no other vehicle is damaged.
Jul 25, 2016 Norman, OK

What should I do if I can't afford car insurance but need my car to get to work and make ends meet?

Consider the golden rule here. If you are involved in an accident and the other person is at fault, wouldn't you expect them to pay for your damages?
Apr 30, 2016 Norman, OK

Can I get car insurance for my vehicle if I don't have a license?

Hello, You will have to have the policy in your name since you are the owner of the car. You will also need to list any person(s) that will be driving the vehicle regularly (more than once a month) as a driver on the policy.
Jun 25, 2019 Newcastle, OK

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Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.