Car Insurance in Oklahoma
- USAA offers the cheapest full coverage auto insurance in OK, while GEICO offers the cheapest liability coverage
- Compare the cheapest car insurance quotes in OK from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Oklahoma
- GEICO offers rates of $156 per month, and while USAA is cheaper ($136 per month), eligibility is limited to military members and their families.Â
- See the other cheapest full coverage insurance companies and best discounts in Oklahoma ↓
- GEICO offered the cheapest liability insurance in Oklahoma at $29/mo
- Read about the rest of the top and best companies in Oklahoma ↓
- As a highly-rated company in many states, Shelter ranks highly on J.D. Power's 2023 auto study and our Zebra Customer Service survey.[3].Â
- USAA is another excellent option but is limited to military members and their famiilies.
- Read about the rest of the top and best companies in Oklahoma ↓
- The Zebra used third-party reviews from JD Power and AM Best and thousands of customer ratings in Oklahoma to name State Farm the best overall company for drivers in Oklahoma.Â
- Read more about why we've ranked State Farm as a great fit for many Oklahomans ↓
Cheap full coverage insurance in Oklahoma
In 2024, the average cost of full coverage insurance in Oklahoma is $1203 for a 6-month policy. It's a popular option, with 53% of The Zebra's customers in Oklahoma requesting quotes for full coverage insurance.[2]
While full coverage is generally more expensive than liability insurance, Oklahomans seeking cheap options should begin their search with USAA, GEICO, and State Farm.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $816 | $136 |
| GEICO | $932 | $155 |
| State Farm | $1,039 | $173 |
| Progressive | $1,144 | $191 |
| Shelter | $1,207 | $201 |
| Oklahoma Farm Bureau | $1,295 | $216 |
| Farmers | $1,469 | $245 |
| Allstate | $1,779 | $296 |
Source: The Zebra
Find the best coverage and price in Oklahoma with The Zebra.
Cheap liability insurance in Oklahoma
The average liability insurance cost in Oklahoma is $301 for a 6-month policy.[1] For our user profile, the most affordable liability insurance options in Oklahoma are offered by GEICO, USAA, and State Farm.
This rate is considerably lower than that of full coverage, as the level of coverage greatly impacts the overall cost. The table below provides monthly and 6-month liability insurance quotes from Oklahoma's leading companies.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $176 | $29 |
| USAA | $194 | $32 |
| State Farm | $248 | $41 |
| Shelter | $321 | $54 |
| Progressive | $328 | $55 |
| Oklahoma Farm Bureau | $330 | $55 |
| Farmers | $427 | $71 |
| Allstate | $502 | $84 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Our data shows that 47% of Oklahoma drivers only insure their vehicles with liability coverage. The Oklahoma Department of Insurance mandates minimum liability limits of 25/50/25, which equates to $25,000 per person and $50,000 per accident for bodily injury, along with $25,000 for property damage per accident. Please refer to our guide for a more in-depth explanation of Oklahoma's car insurance limits and regulations.
Oklahoma insurance requirements are on par with many other states, but that doesn't mean there is actually enough coverage if you're involved in an accident. It's important to remember that liability insurance won't cover your own vehicle but is meant to help other drivers if you're at fault. Unless you have a very cheap vehicle (worth less than about $4,000), I don't recommend skimping on coverage.
If you opt for state minimum limits, I suggest adding UMBI (uninsured motorist bodily injury) and UMPD (uninsured motorist property damage) coverage since there are a significant number of uninsured drivers on the road. Ultimately, carrying as much coverage as you can afford is a good idea. Accidents can be surprisingly expensive, and you don't want to be caught off-guard with an expensive lesson learned.
Beth Swanson, licensed insurance writer at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $146 | $712 |
| GEICO | $154 | $879 |
| State Farm | $166 | $793 |
| Oklahoma Farm Bureau | $234 | $1,059 |
| Farmers | $257 | $1,116 |
| Allstate | $303 | $1,447 |
| Shelter | $314 | $1,153 |
| Progressive | $337 | $998 |
Source: The Zebra
What are the best car insurance companies in Oklahoma?
Our choice for the best car insurance company in Oklahoma is State Farm. This is based on consumer reviews, third-party ratings (JD Power, Trustpilot, and AM Best), and details such as discount information and coverage options.
Below are the pros and cons of State Farm, plus more of the best-rated companies in Oklahoma. Remember that the cheapest options may not align with top-tier customer service, so it's important to decide what your priority is as you shop for insurance.
State Farm is recognized for its quality service and local agencies, and it consistently ranks above average in customer satisfaction within Oklahoma.[3] While some customers report occasional delays in claims processing, the insurer's strong financial stability ensures they can reliably pay out claims and maintain their operations over the long term.[4]
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Available nationwide
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Wide variety of products and services
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Local agents
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Lower-than-average rates
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Some reports of slow claim resolution time
Best car insurance in Oklahoma — honorable mentions
We compared JD Power Auto ratings and consumer reviews collected from nearly 3000 drivers across Oklahoma and the US to determine the best companies.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $816 | $136 |
| GEICO | $932 | $155 |
| Progressive | $1,144 | $191 |
| Shelter | $1,207 | $201 |
Source: The Zebra
How did we pick the company with the "Best Value" in Oklahoma?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Oklahoma
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Compare car insurance rates from the best companies in Oklahoma.
Oklahoma auto insurance quotes after an accident or ticket
Finding affordable car insurance in Oklahoma after an accident can be difficult. Insurers evaluate your past accidents and tickets to gauge the liability risk you pose as a customer. An at-fault accident could increase your car insurance premiums to as much as $3,269 annually.
The table below shows potential rates from leading insurance companies in Oklahoma following an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,181 | $197 |
| State Farm | $1,261 | $210 |
| Oklahoma Farm Bureau | $1,404 | $234 |
| GEICO | $1,459 | $243 |
| Shelter | $1,553 | $259 |
| Progressive | $1,708 | $285 |
| Farmers | $2,132 | $355 |
| Allstate | $2,343 | $391 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
While you may never need to use your insurance, having a smooth claims experience is essential if you do. In our 2024 Customer Satisfaction Survey, we evaluated the experiences of those who filed claims, and USAA emerged as a leading option, especially for military members in Oklahoma. For those not eligible for USAA, Allstate and American Family also ranked highly for claims satisfaction and are worth considering.[4]
In Oklahoma, a poor driving record can significantly increase your insurance rates. Receiving a ticket or citation is likely to cause your auto insurance premiums to skyrocket, with the extent of the increase depending on the type of violation, your insurer's pricing policies, and the varying local insurance regulations and risks. As a result, the impact of tickets on insurance rates may differ from the national average. Generally, car insurance premiums can increase by as much as 67% after a DUI and up to 28% following a speeding ticket.
Below is a table showing Oklahoma's average auto insurance rates after common citations.
Source: The Zebra
The Zebra's guide to Oklahoma car insurance laws for high-risk drivers
Some of the violations above, such as a DUI or driving without insurance, can lead to more complicated insurance implications. Below are more details about Oklahoma car insurance laws and regulations. Check out our guide for additional information about car insurance requirements in the state of Oklahoma
Oklahoma DUI laws
In Oklahoma, a DUI offense can increase your annual car insurance premium to an average of $3,673. That’s 7% more than the national average rate hike after a DUI. Finding affordable auto insurance after a DUI violation isn’t simple. A DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
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Low-cost car insurance after a DUI in Oklahoma
If you're convicted of a DUI or DWI violation in Oklahoma, it’s key to carefully consider each of your insurance choices. Auto insurance premiums following a DUI can vary substantially by insurer. For example, Progressive is the least expensive car insurance company with a DUI in Oklahoma, offering annual rates 29% less than the statewide average insurance rate with a DUI. The second cheapest insurer for auto insurance after a DUI in Oklahoma is State Farm, while the priciest firm is Allstate, with prices 22% above average.
Updating data...
| Company | Avg. Annual Premium |
|---|---|
| Progressive | $2,595 |
| State Farm | $2,817 |
| USAA | $3,058 |
| Shelter | $3,481 |
| Farmers | $3,869 |
| Oklahoma Farm Bureau | $3,958 |
| GEICO | $3,971 |
| Allstate | $4,477 |
Source: The Zebra
No car insurer, in particular, offers inexpensive DUI car insurance. The recommended way to save after a DUI citation is to shop around.
Oklahoma SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company to ensure that you remain insured. Most states require an SR-22, but Oklahoma is one exception. The state of Oklahoma does not require you to file an SR-22 in order to apply for insurance.Â
If you move from a state that requires an SR-22 to a state that does not, you will typically still need to follow the requirements of the state that first required you to file an SR-22.
Find an affordable policy in Oklahoma in minutes!
Cheap auto insurance for teens and young drivers in Oklahoma
Young drivers often face challenges in finding affordable car insurance in Oklahoma. To insurers, age reflects driving experience, so teenagers have more liability behind the wheel. They typically pay over 100% more than drivers in their 20s and nearly 200% more than drivers in their 30s.[1]
In Oklahoma, teen drivers pay rates close to the national average, with costs around $2,692 for a 6-month policy or $449 per month — approximately $172 higher than the nationwide average.
Consider USAA, GEICO, and State Farm for the most affordable car insurance options if you are a teen driver or have a teen driver in your household.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $2,003 | $334 |
| GEICO | $2,493 | $415 |
| State Farm | $3,298 | $550 |
| Shelter | $3,331 | $555 |
| Oklahoma Farm Bureau | $3,968 | $661 |
| Allstate | $4,658 | $776 |
| Progressive | $4,761 | $793 |
| Farmers | $6,183 | $1,030 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers | $7,879 | $1,313 |
| Progressive | $6,809 | $1,135 |
| Allstate | $5,493 | $916 |
| Oklahoma Farm Bureau | $4,625 | $771 |
| State Farm | $4,320 | $720 |
| Shelter | $3,914 | $652 |
| GEICO | $2,989 | $498 |
| USAA | $2,915 | $486 |
Source: The Zebra
Zebra tip: 3 ways young drivers can save on car insurance
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Take a Defensive Driving Course: Qualify for discounts and reduce accident risk.
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Choose a Safe, Affordable Car: Opt for a car with good safety ratings and low repair costs.
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Stay on a Parent's Policy: Save money and benefit from their insurance history.
Car insurance in popular Oklahoma cities
Car insurance companies calculate your rate based on many factors, one of which is the main location of the vehicle. The cheapest car insurance in the major cities is found in Edmond, Oklahoma, and the most expensive is in Tulsa.
The table below shows average car insurance costs in some of Oklahoma's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Edmond | $1,232 | $205 |
| Norman | $1,234 | $206 |
| Broken Arrow | $1,270 | $212 |
| Oklahoma City | $1,314 | $219 |
| Tulsa | $1,322 | $220 |
Source: The Zebra
How have car insurance costs in Oklahoma changed?
The average annual auto insurance costs in Oklahoma increased by $446 in the past year. A typical Oklahoma driver pays an average of $2,406 per year.
The recent pricing trend in Oklahoma leans toward slightly higher car insurance costs than the national average. The steepest decrease occurred from 2015 to 2016, while the highest surge occurred this past year, from 2023 to 2024. Keep in mind that the general trend across the company is higher prices for car insurance, so if you feel like you've seen a spike in your rates in OK, you're not alone.
For the best rates in OK, it's smart to compare multiple companies to find the right coverage that also meets your needs.
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $2,405 | $466 |
| 2023 | $1,939 | $40 |
| 2022 | $1,899 | $307 |
| 2021 | $1,592 | $46 |
| 2020 | $1,546 | -$182 |
| 2019 | $1,728 | $142 |
| 2018 | $1,586 | -$210 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Oklahoma car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Oklahoma auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
2024 Customer Satisfaction Survey. The Zebra
Recent questions about car insurance in OK
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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 editorial 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.