Cheapest Car Insurance in Oklahoma (2024)
State Farm has the cheapest car insurance for most Oklahoma drivers at an average rate of $1,316 a year for a full-coverage policy.
USAA offers the cheapest overall rates of $1,272 a year, on average, but only active-duty military members, veterans and their families can buy a USAA policy.
Cheapest full-coverage car insurance in Oklahoma: State Farm
USAA and State Farm offer the cheapest full-coverage car insurance policies in Oklahoma at average rates of $1,272 and $1,316 a year, respectively.
State Farm is 38% cheaper than the state average of $2,119 a year, while USAA is 40% cheaper.
| Company | Annual rate |
|---|---|
| State Farm | $1,316 |
| Progressive | $1,774 |
| Shelter | $1,928 |
| Farm Bureau | $2,335 |
| Geico | $2,368 |
| Allstate | $2,548 |
| Farmers | $3,407 |
| USAA* | $1,272 |
*USAA is only offered to military members and veterans as well as their families
Full-coverage car insurance policies include liability, collision and comprehensive coverage. These policies can cover damages and medical bills you’re responsible for after an accident, as well as damage to your car.
Cheapest liability-only car insurance in Oklahoma: Progressive
Progressive has the cheapest rate for liability coverage at $343 a year, on average, for most drivers. State Farm has the next-cheapest average rate of $366 a year.
Liability-only car insurance policies are 69% cheaper than full-coverage policies. On average, drivers pay $656 for liability coverage.
Cheapest liability car insurance companies in Oklahoma
| Company | Annual rate |
|---|---|
| Progressive | $343 |
| State Farm | $366 |
| Shelter | $598 |
| Farm Bureau | $648 |
| Geico | $768 |
| Allstate | $1,027 |
| Farmers | $1,163 |
| USAA* | $332 |
Liability-only car insurance covers injuries and damages to others that you cause in an accident.
Cheapest rates for young drivers in Oklahoma: State Farm
State Farm has the lowest average car insurance rate for most teens in Oklahoma at $1,259 a year for a liability car insurance policy. The average cost of liability car insurance for teens in Oklahoma is $2,342 a year.
Cheapest liability car insurance for 18-year-olds in Oklahoma
| Company | Annual rate |
|---|---|
| State Farm | $1,259 |
| Shelter | $1,576 |
| Progressive | $1,928 |
| Geico | $2,203 |
| Farm Bureau | $2,528 |
| Allstate | $3,842 |
| Farmers | $4,573 |
| USAA* | $828 |
Teen drivers pay nearly three times more for liability insurance than 30-year-old drivers do, on average.
If you’re a teen driver, you can get cheaper rates with discounts. Insurance companies may offer discounts if you get good grades or if you live away from school and don’t regularly drive a car.
Cheapest rates after a speeding ticket in Oklahoma: State Farm
State Farm has the cheapest rates for car insurance in Oklahoma if you have a ticket on your record at $1,381 a year for a full-coverage policy.
A ticket raises your car insurance rate by an average of 20% a year compared to a driver with a clean record.
| Company | Annual rate |
|---|---|
| State Farm | $1,381 |
| Shelter | $2,251 |
| Progressive | $2,316 |
| Farm Bureau | $2,335 |
| Allstate | $2,834 |
| Geico | $3,093 |
| Farmers | $4,617 |
| USAA* | $1,563 |
Best Oklahoma rates after an accident: State Farm
State Farm has the cheapest car insurance after an accident for drivers in Oklahoma at an average of $1,468 a year for full coverage.
Shelter, Farm Bureau and Progressive also offer policies that are below $3,000 a year, on average.
| Company | Annual rate |
|---|---|
| State Farm | $1,468 |
| Shelter | $2,455 |
| Farm Bureau | $2,548 |
| Progressive | $2,862 |
| Allstate | $3,553 |
| Geico | $4,321 |
| Farmers | $4,954 |
| USAA* | $1,833 |
Best Oklahoma rates after a DUI: Progressive
Progressive has the cheapest car insurance for drivers with a DUI, charging an average rate of $2,028 a year for full coverage.
Drivers with a DUI pay an average of $3,178 a year for a full-coverage policy. Going with Progressive could save you over $1,000 a year.
| Company | Annual rate |
|---|---|
| Progressive | $2,028 |
| State Farm | $2,707 |
| Shelter | $2,803 |
| Allstate | $3,359 |
| Farm Bureau | $3,661 |
| Geico | $4,074 |
| Farmers | $4,490 |
| USAA* | $2,298 |
Cheapest for bad credit in Oklahoma: Progressive
Progressive has the cheapest full-coverage car insurance for drivers with bad credit at $2,028 a year, on average. Drivers with a bad credit pay an average of $3,681 a year for car insurance.
| Company | Annual rate |
|---|---|
| USAA | $2,320 |
| Farm Bureau | $2,344 |
| Progressive | $2,942 |
| Geico | $3,464 |
| Allstate | $3,691 |
| Shelter | $3,820 |
| Farmers | $5,202 |
| State Farm | $5,666 |
Oklahoma insurance rates by city
Among the most-populated cities in Oklahoma, average car insurance rates vary from $1,979 a year in Enid to $2,358 in Tulsa.
| City | Average rate |
|---|---|
| Oklahoma City | $2,353 |
| Tulsa | $2,358 |
| Norman | $2,225 |
| Broken Arrow | $2,228 |
| Edmond | $2,251 |
| Lawton | $1,981 |
| Moore | $2,267 |
| Midwest City | $2,348 |
| Enid | $1,979 |
| Stillwater | $2,025 |
| Owasso | $2,091 |
| Bartlesville | $1,984 |
| Muskogee | $2,070 |
| Shawnee | $2,172 |
| Bixby | $2,276 |
Car insurance laws in Oklahoma
Oklahoma is an at-fault state for car insurance, which means the driver who causes an accident must pay for damages.
The minimum amount of liability car insurance coverage Oklahoma requires is:
- $25,000 of bodily injury protection per person
- $50,000 of bodily injury protection per accident
- $25,000 of property damage protection
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of more than 800,000 car insurance quotes for sample drivers across the U.S. Your rates may vary.
Unless stated otherwise, we looked at thousands of car insurance quotes in Oklahoma for a 30-year-old man with good credit and no tickets, accidents or convictions for driving under the influence, using a 2015 Honda Civic EX.
The following coverage limits were used:
- Bodily injury liability: 50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive $500 deductible
*USAA is only available to current and former members of the military and their families.