Cheap Oklahoma Car Insurance

Compare the best rates from 15 car insurance companies in Oklahoma.

Your information is secure.

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 get you prepped, then you take the wheel.


Cheap Car Insurance

What's the cheapest car insurance in Oklahoma?
Rank Company Name Avg. Annual Premium
1 USAA $1,173
2 Oklahoma Farmers Union $1,178
3 The Hartford $1,346
4 GEICO $1,367
5 Safe Auto $1,391
6 Farmers $1,408
7 State Farm $1,552
8 Liberty Mutual $1,834
9 Travelers $1,887
10 Mercury $2,013
11 OK Farm Bureau $2,038
12 Shelter $2,151
13 Home State $2,171
14 MetLife $2,191
15 Progressive $2,201
16 Allstate $2,424
17 Safeco $5,107

Cheap 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 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 Car 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%

Car Insurance Laws

State minimum insurance requirements in Oklahoma

In Oklahoma, the state minimum coverage requirement is liability with limits of:
  • 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

Liability coverage is legally required in Oklahoma and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Oklahoma, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Oklahoma but higher coverage amounts are available with most companies.

Car Insurance FAQs

Are digital insurance cards accepted in Oklahoma?

Yes. If you happen to find yourself pulled over by a police officer in Oklahoma you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Should I carry uninsured motorist coverage in Oklahoma?

11% of drivers are uninsured in Oklahoma — less than the national average of 13%. Still, it's not a bad idea to purchase uninsured motorist coverage in Oklahoma to avoid extra costs in the event of an accident.

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 Altus, Oklahoma, and the most expensive in Tulsa, Oklahoma.

Rank City Avg. Annual Premium
1 Tulsa $2,237
2 Del City $2,199
3 Bixby $2,191
4 Sand Springs $2,183
5 Bethany $2,179
6 Broken Arrow $2,173
7 Midwest City $2,162
8 Oklahoma City $2,156
9 Sapulpa $2,123
10 Moore $2,111
11 Owasso $2,106
12 Edmond $2,084
13 Norman $2,054
14 Yukon $2,035
15 Claremore $2,028
16 Shawnee $2,008
17 Bartlesville $1,961
18 Stillwater $1,950
19 Ponca City $1,937
20 Muskogee $1,924
21 Enid $1,923
22 Ardmore $1,917
23 Duncan $1,904
24 Lawton $1,903
25 Altus $1,857

Recent Oklahoma Car Insurance Questions and Answers

Who pays for ticket when you drive someone else’s car

I was driving a friends car and got pulled over and her insurance was 10 days expired. I didn’t know. ...

JUL 28, 2018
Can someone file a claim if it’s been 4 days and there are no pictures from the accident?

I rear ended someone 4 days ago and when we both looked at our vehicles we realized that there was ...

FEB 23, 2018
If I hit my own car with a vehicle I was borrowing, should I pay for the damage out of pocket?

I was driving a relatives car to the store during a birthday celebration at my house. When I returned home ...

AUG 16, 2017
Will I be able to get a new car after an accident?

I was involved in an accident yesterday where my vehicle was totaled. I do have full coverage and I have ...

MAY 17, 2017

Driving Laws

Oklahoma Texting and Driving Laws

  1. Ban on hand-held cell phones for drivers with Learner or Intermediate Licenses
  2. Ban on text messaging for school bus drivers
  3. Ban on text messaging for drivers with Learner or Intermediate Licenses

Oklahoma DUI Laws

There is a 10-year DUI lookback period in Oklahoma. Repeatedly violating DUI laws leads to stricter penalties and sentences.

In addition to the below penalties, DUI offenders in Oklahoma may be responsible for paying a:

  • $200 trauma care fee
  • $15 mental health fee
  • $25 license reinstatement fee
  • $75 processing fee
  • $175 limited driving privilege fee
  • $50 ignition interlock fee
Everything You Need to Know about Buying a Car from Walmart
Everything You Need to Know about Buying a Car from Walmart
Mar 21, 2017

Soon people all over the U.S. may be able to come home with groceries for the week, new school clothes...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

7 Can’t-Miss Car Museums Across the U.S.
7 Can’t-Miss Car Museums Across the U.S.
Oct 28, 2016

Admiring automobiles is a classic American pastime: In fact, there are more than 100 museums dedicated to cars in the...

Kids and Pets Left in Hot Cars: What Can You Do?
Kids and Pets Left in Hot Cars: What Can You Do?
Aug 31, 2016

The interior temperature of a parked car sitting in the sun on a 78-degree day can reach 120 degrees in...

What Cars Do Olympic Athletes Drive?
What Cars Do Olympic Athletes Drive?
Aug 12, 2016

The Olympics are in full swing now in Rio, and many famous names grace the screen, setting gold medal records...

Oklahoma Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Oklahoma, while also getting an insider view of the Sooner State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2018


Winner(s) will be selected and notified by email by January 31st, 2019

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Click here to learn more