Best Car Insurance in Oklahoma (2023)

If you need to buy car insurance in Oklahoma, you have plenty of companies to choose from. The one that’s best for you depends on the type of coverage you’re looking for and your budget.

The average cost of car insurance in Oklahoma is $196 a month, according to Insurify data. You may pay more or less depending on multiple factors, including the type and amount of coverage you choose, your age, driving history, where you live, and more.^[1]

To help you find the best car insurance for your unique situation, Insurify reviewed more than a dozen criteria — including pricing, customer satisfaction, discounts, third-party ratings, and more — for the top car insurance companies in Oklahoma. Here’s what you need to know about buying car insurance coverage, including factors that may affect your rates.

Best car insurance companies in Oklahoma

The best car insurance companies in Oklahoma have high Insurify Quality (IQ) Scores, below-average rates, various coverage options, multiple discount opportunities, and special features that meet the needs of specific groups.

To find the company that’s right for you, first assess your coverage needs, budget, and must-have features. Then, compare coverage options and quotes from multiple insurers before making your selection. This will help ensure you’re getting the best deal possible.

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Best car insurance overall in Oklahoma: State Farm

State Farm is among the best car insurance companies in Oklahoma, with an IQ Score of 4.4 out of 5. The company provides solid coverage options, offers low average rates, and received strong financial ratings from A.M. Best and S&P Global.

State Farm earned high customer satisfaction scores in the 2022 J.D. Power U.S. Auto Insurance Study and logged fewer than expected complaints in 2022, according to the National Association of Insurance Commissioners (NAIC).

State Farm has a network of agents and customer care representatives available to answer your questions and help you manage your policy or file a claim. Or, if you prefer, you can handle most account management functions in the app.

State Farm pros and cons

Best cheap car insurance in Oklahoma: USAA

The average cost of liability coverage in Oklahoma is $116 a month, while full coverage averages $204 a month. USAA’s rates are well below that, at $60 a month for a liability-only policy and $100 a month for full coverage.

Despite its low rates, the company isn’t known to skimp on service. Representatives are available by phone to answer your questions Monday through Saturday, and you can manage your policy and file and track claims online or in the mobile app 24/7.

USAA earned an IQ Score of 4.5 out of 5, and it received strong financial ratings from A.M. Best.

USAA pros and cons

Best for value in Oklahoma: Travelers

Travelers earned an IQ Score of 4.3 out of 5, putting it in the top-five car insurance companies Insurify ranked in the state. Combined with below-average rates, a wide selection of standard and specialty coverage options, and many discount opportunities, Travelers provides good value for drivers in Oklahoma.

The company earned solid marks from A.M. Best, Moody’s, and Fitch for its financial strength. If you purchase a policy from Travelers, you can manage your account and file claims online or in the app.

Travelers pros and cons

Best car insurance for commuters in Oklahoma: GEICO

GEICO earned an IQ Score of 4.3 out of 5. The company offers the standard coverage you'd expect from an auto insurer and a few more that may be ideal for commuters, including:

• Emergency roadside assistance: You won’t be stranded if you have a flat, run out of gas, or lock yourself out of your vehicle. You can request assistance from the app.

• Mechanical breakdown coverage: This helps cover the cost of repairs and replacement parts if your car breaks down because of a mechanical failure.

• Rental car reimbursement: This covers the cost of a rental while your car is at the shop for repair after a covered incident.

GEICO pros and cons

Best car insurance for families in Oklahoma: Farmers

Farmers Insurance has plenty of options to help protect you and your family, including the young drivers on your policy. New-car replacement pays the full cost — not just the actual cash value (ACV) — to replace your car.

Loss-of-use coverage provides a lump sum to use on transportation (not just a rental car) while your car’s at a shop for repair. And accident forgiveness coverage prevents your rates from increasing after an accident.

The company’s CrashAssist feature can detect when a crash occurs and send emergency responders to help keep your family members safe. Farmers offers various discounts families may find helpful, including youthful driver, safe driver, distant student, good student, shared family car, multi-vehicle, and an “on your own” discount for drivers younger than 29 who move out of the primary household. The company has an IQ Score of 3.8 out of 5.

Farmers pros and cons

Best car insurance for students in Oklahoma: Allstate

Car insurance typically costs more for young drivers.^[1] But Allstate’s overall rates are much lower than Oklahoma’s average for people with a clean driving record. The company offers multiple discounts aimed at students to help keep coverage affordable, including good grade, teenSMART, distant student, and Drivewise.

Students can also earn a credit toward their insurance premium for every six months they don't have an accident when they enroll in Allstate’s Safe Driving Bonus program. The company earned an IQ Score of 4.1 out of 5.

Allstate pros and cons

Best car insurance for retirees: Midvale Home & Auto

Midvale Home & Auto has solid coverage offerings, including loan/lease gap coverage to help protect your finances during retirement if your car is totaled and you owe more than it’s worth.

Midvale Home & Auto also has multiple discount opportunities to help you save on your premiums. If you have questions, need help with your policy, or want to file a claim, you can get in touch with a representative online, via email, or by phone.

Midvale Home & Auto pros and cons

Best car insurance for renters in Oklahoma: Progressive

Progressive offers customers a discount when they bundle their auto and renters insurance. Plus, the company offers lots of other ways to save, including paperless, pay-in-full, autopay, good student, and safe driver discounts. Its Name Your Price tool can help you find coverage within your budget.

When you purchase insurance through Progressive, you can manage your policy and claims online or in the app. The company earned an IQ Score of 4.1 out of 5.

Progressive pros and cons

Best car insurance for high-risk drivers in Oklahoma: Direct Auto

Direct Auto’s IQ Score came in at 3.2 out of 5. The company specializes in working with high-risk drivers and will file an SR-22 insurance form with Oklahoma on your behalf if you need one.

Direct Auto offers standard coverage options, and you don’t need a checking account or credit card to purchase insurance. Its emergency protection plan helps pay for expenses standard policies don’t cover if you’re in an accident, including daily living expenses while in the hospital, out-of-pocket medical expenses, ambulance costs, and more.

Direct Auto pros and cons

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With these insights, Insurify is able to offer drivers a look into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for Oklahoma drivers.

How to shop for the best car insurance in Oklahoma

Finding car insurance to fit your needs may take a little legwork and comparing multiple quotes. “It’s well worth your time to take an hour or two to compare different companies,” says Michael DeLong, research and advocacy associate for the Consumer Federation of America.

Follow these steps to find a policy that’s right for you:

1. Gather your information. Insurers need your VIN, year, make, model, driver’s license numbers, and driving history for all drivers on your policy.

2. Choose your coverage. Choose liability-only insurance or add comprehensive, collision, and other special coverages to customize your policy.

3. Select your policy limits. It’s important to choose limits high enough to protect you financially if you’re in an accident but not so high that you can’t afford your policy.

4. Get multiple quotes. You can get car insurance quotes for Oklahoma directly from insurers online, over the phone, or by using a car insurance comparison site. Shop around every six months to see if you can get a better deal.

5. Compare offers. Make sure you’re comparing the same types of coverage and policy limits between insurers.

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How to get the cheapest car insurance in Oklahoma

Nobody wants to pay more for car insurance than they have to. Here are a few things you can do to get the lowest price possible while still getting the coverage you need:

• Adjust your deductible. Opting for a higher deductible usually lowers your premium. Just make sure you can afford to pay it if you need to file a claim.^[2]

• Don’t buy more coverage than you need. The lower your policy limits, the lower your rate. But make sure you have at least the state-minimum coverage to protect yourself if you’re in an accident.

• Take a class. Some insurers will reduce your rates when you sharpen your driving skills by taking a driver education course.

• Bundle policies. Many insurance companies offer a discount on your auto insurance when you purchase multiple policies.^[3]

Minimum car insurance requirements in Oklahoma

The minimum requirements for auto insurance in Oklahoma are:^[4]

However, these limits are unlikely to be enough to protect you if you’re in an accident. Without adequate insurance to pay for accident-related expenses, you could be on the hook for covering excess expenses once you reach your policy limits.

A good rule of thumb is to have at least $100,000 per person and $300,000 per accident of bodily injury liability coverage and $100,000 of property damage liability coverage, according to the Oklahoma Insurance Department.^[4]

Liability-only vs. full-coverage insurance in Oklahoma

Liability auto insurance is the only coverage Oklahoma requires for you to drive legally. If you’re at fault in an accident, it kicks in to pay for injuries and damage you cause to someone else, their passengers, and their vehicle. It doesn’t cover the cost to treat injuries you may sustain or to repair damage to your car.^[5]

Liability-only coverage may make sense if you drive a car that’s worth less than the cost to repair it after an accident. But if you drive a newer car, it may be worth considering full-coverage insurance — which includes collision and comprehensive coverage — in addition to liability.

Collision pays for repairs — up to the policy limit — to your car from an accident, flipping over, hitting an object, potholes, and other similar circumstances. Comprehensive covers non-accident-related repairs, including damage that animals, severe weather, falling objects, and more may cause. Lenders typically require full-coverage car insurance if you have a loan or lease.^[6]

You may also want to opt for full coverage if the annual cost of comprehensive and collision is significantly less than 10% of your car’s value, DeLong says.

See the table below for a look at the cheapest auto insurance in Oklahoma by policy type for different insurance companies. The state average for liability only and full coverage is $116 a month and $204 a month, respectively. Many providers offer rates below that, and State Farm’s rates are less than half the average.

Oklahoma car insurance rates by driving and accident history

Following the rules of the road can help you save big. Your driving history is one of the most important factors car insurance companies use to determine rates. People with a history of speeding tickets, DUIs, and at-fault accidents typically have higher rates than people with a clean driving record.^[1] Your insurer also may choose to no longer cover you if you have too many violations on your driving record, DeLong says.

Here’s a look at average monthly quotes for the cheapest full-coverage car insurance in Oklahoma based on driving and accident history.

SR-22 insurance in Oklahoma

An SR-22 isn’t insurance. It’s a form your insurance company files on your behalf — typically because of a court or state order — that lets the state know you have the minimum-required insurance coverage.

Oklahoma doesn’t seem to require SR-22 filings. But in most states, you may need to file one if you have certain infractions on your driving record, including:^[7]

• Multiple at-fault accidents

• Multiple speeding tickets in a short amount of time

• DUI/DWI conviction

• Driving without insurance

“You should avoid any behavior that would get you this form. It will result in your insurance rates going up — sometimes by an extreme amount. In some places, insurance companies will refuse to cover you and send you to a nonstandard insurer,” DeLong says.

Oklahoma car insurance quotes by credit tier

Your credit score not only affects your interest rate on loans, but it also affects how much you pay for insurance. Many states, including Oklahoma, allow insurers to use credit-based insurance scores when determining rates.^[8]

Your credit score is one of many factors that car insurance companies look at to make pricing decisions.^[1] Generally, drivers who have good credit scores qualify for lower premiums than drivers who have poor credit scores. Those with bad credit may pay double for coverage compared to a driver who has good credit, according to DeLong.

Car insurance quotes in Oklahoma cities

Car insurance costs an average of $196 a month in Oklahoma. However, prices can vary significantly based on where you live.^[1] For example, in Durant — the city with the highest rates — the average cost of insurance is 33% higher than the state average. In the least expensive city of Lawton, the average cost is 18% below the state average.

Multiple factors affect the cost of car insurance in a specific location, including the rate of accidents and crime. Areas with higher rates of accidents, theft, and vandalism typically have higher insurance costs than areas with lower rates of these events.^[1]

Least expensive Oklahoma cities

Most expensive Oklahoma cities

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Oklahoma car insurance rates by driver age

Younger drivers usually pay higher rates than more experienced drivers because they’re more likely to get into an accident.^[1] In Oklahoma, teenagers pay the most for car insurance — more than twice as much as the average rate for someone in their 50s, 60s, 70s, or 80s.

But the high rates don’t last forever if you maintain a clean driving record as you get older. The average rate for car insurance starts declining when you enter your 20s. It continues to decrease until you reach your 50s, when it levels off.

Here’s a look at how age can affect insurance rates in Oklahoma from the time you get your license through your golden years.

Oklahoma car insurance FAQs

Insurify Insights

How Oklahoma Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Oklahoma below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Oklahoma drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Oklahoma

#25

State with the Most Speeding Tickets Rank

#29

State with the Moving Violations Rank

#38

State with the Most DUIs Rank

#10

State with the most Suspended Licenses

• Accidents in Oklahoma

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Oklahoma is the #35 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #35
  • Percent of drivers in Oklahoma with an accident: 7.8%
• DUIs in Oklahoma

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oklahoma is the #38 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #38
  • Percent of drivers in Oklahoma with a DUI: 1%
• Reckless Driving in Oklahoma

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Oklahoma is the #27 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #27
  • Percent of drivers in Oklahoma with a reckless driving offense: 1.3%
• Rude Driving in Oklahoma

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Oklahoma is the #26 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #26
  • Percent of drivers in Oklahoma with a rude driving violation: 1.5%
• Speeding in Oklahoma

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Oklahoma is the #25 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #25
  • Percent of drivers in Oklahoma with a speeding ticket: 8.6%
• Failure to Yield Rates in Oklahoma

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oklahoma is the #39 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #39
  • Percent of drivers in Oklahoma with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.