Car Insurance in Oklahoma
- GEICO offers the cheapest liability at $29/mo.
- Progressive has the cheapest full coverage at $126/mo.
Enter your ZIP code to start your search for Oklahoma car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Oklahoma at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Car insurance quotes in Oklahoma
The average car insurance rate in Oklahoma is $1,186 for a six-month policy — 2% in premium difference versus the U.S. average.[1]
According to our data, 41% of Oklahomans believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest full coverage in OK
- Progressive offered the cheapest full coverage in Oklahoma at $126/mo.
Cheapest liability coverage in OK
- GEICO offered the cheapest liability coverage in Oklahoma at $29/mo.
Best customer service in OK
- Shelter Insurance scored 678 in JD Power's latest study — the highest in Oklahoma.
Cheap full coverage insurance in Oklahoma
In 2026, the average cost of full coverage insurance in Oklahoma is $1,186 for a six-month policy. Full coverage is a popular choice here, with 56% of The Zebra’s Oklahoma customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Progressive — as our latest data shows they have the cheapest rates in Oklahoma.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $755 | $126 |
| GEICO | $894 | $149 |
| USAA | $925 | $154 |
| State Farm | $1,184 | $197 |
| Safe Auto | $1,473 | $245 |
| Farmers | $1,486 | $248 |
| Hallmark | $1,710 | $285 |
| Allstate | $1,837 | $306 |
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.
Cheap liability insurance in Oklahoma
The average cost for liability insurance in Oklahoma is $304 for a 6-month policy.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $29/mo.
According to our data, 44% of Oklahoma drivers carry only the state-required liability coverage.[2] In Oklahoma, the law mandates minimum liability limits of 25/50/25. Learn more about car insurance requirements in the state of Oklahoma with our helpful guide.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $172 | $29 |
| USAA | $223 | $37 |
| State Farm | $276 | $46 |
| Progressive | $286 | $48 |
| Hallmark | $426 | $71 |
| Farmers | $434 | $72 |
| Safe Auto | $435 | $73 |
| Allstate | $516 | $86 |
Source: The Zebra
If you're involved in a car accident in Oklahoma, you may still be able to recover damages even if you were partly responsible for the crash. Under the state's modified comparative negligence law, you can recover compensation as long as you are 50% or less at fault.[4] However, your compensation is reduced by your percentage of fault. For example, if you're found 20% responsible for an accident, you can recover 80% of your eligible damages. If you're found more than 50% at fault, you cannot recover damages from the other party.
Beth Swanson, licensed insurance writer at The Zebra
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $223 | $925 |
| State Farm | $276 | $1,184 |
| Shelter | $317 | $1,191 |
| Progressive | $286 | $755 |
| Oklahoma Farmers Union | $158 | $876 |
| Oklahoma Farm Bureau | $352 | $1,408 |
| MetLife | $549 | $1,599 |
| Mercury | $219 | $1,398 |
| Hallmark | $426 | $1,710 |
| GEICO | $172 | $894 |
| Farmers | $434 | $1,486 |
| Allstate | $516 | $1,837 |
Source: The Zebra
What are the best car insurance companies in Oklahoma?
We’ve named Shelter Insurance as Oklahoma's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Local insights
Drivers near you in Oklahoma weigh in
"My home and auto is $140/mo with State Farm."
-Reddit user on r/Oklahoma
"Just got a new car, so I tried some different companies online. It turned out Progressive were like $20 less per month than GEICO."
-Reddit user on r/Oklahoma
Compare car insurance rates from the best companies in Oklahoma.
Car insurance in popular Oklahoma cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Bartlesville, Oklahoma and the most expensive in Tulsa, Oklahoma.
Have a look at the table below to see average car insurance costs in some of Oklahoma biggest cities.
Source: The Zebra
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Source: The Zebra
Practical advice, trusted guidance
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Oklahoma auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Oklahoma. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Oklahoma insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
Oklahoma car insurance for high-risk drivers
For high-risk drivers in Oklahoma with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Oklahoma's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How much is DUI insurance in Oklahoma?
In Oklahoma, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DWI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Rate increase: +$651
The average 6-month rate increase after a DUI in Oklahoma. Higher premiums usually remain in place for 3-5 years.
First time DUI penalties
- Up to one year in jail
- Up to $1,000 in fines
- 180-day license suspension
DUI record impact timeline
- DMV record: 10 years
- Criminal record: Permanent unless expunged (must wait 5 years after sentence completion)
Cheap car insurance after a DUI in Oklahoma
If you're convicted of a DUI violation in Oklahoma, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Oklahoma.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $908 | $151 |
| State Farm | $1,587 | $264 |
| USAA | $1,712 | $285 |
| Hallmark | $1,888 | $315 |
| GEICO | $1,947 | $325 |
| Farmers | $1,955 | $326 |
| Safe Auto | $1,961 | $327 |
| Allstate | $2,278 | $380 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Oklahoma SR-22 laws
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. However, if you were convicted of a DUI in a state that does require an SR-22, you will still need to retain it while living in Oklahoma.
Find an affordable policy in Oklahoma in minutes!
How have average car insurance costs in Oklahoma changed?
Oklahoma's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium |
|---|---|
| 2026 | $2,426 |
| 2025 | $2,480 |
| 2024 | $2,405 |
| 2023 | $1,939 |
| 2022 | $1,899 |
| 2021 | $1,592 |
| 2020 | $1,546 |
| 2019 | $1,728 |
| 2018 | $1,586 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Oklahoma car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Oklahoma auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. J.D. Power
U.S. Auto Insurance Study. J.D. Power
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Modified Comparative Negligence Rule. Oklahoma Court Network.
Modified Comparative Negligence Rule. Oklahoma Court Network.
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.
