INSURANCE - CAR INSURANCE

Best Car Insurance in Oklahoma for 2024

Updated Jan. 3, 2024
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USAA and State Farm generally have the lowest cost for car insurance in Oklahoma.

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While some may not think Oklahoma is a great road trip state, residents know the famed Route 66 enters The Sooner State in Quapaw and leaves it in Texola. In between, there are dozens of charming towns and sites. Unfortunately, the cost of car insurance in Oklahoma might have you thinking twice before you head out on an adventure.

In this article

Key takeaways

  • Car insurance in Oklahoma costs an average of $1,610 per year for full coverage and $530 for minimum coverage.
  • The best car insurance in Oklahoma is USAA, which costs an average of $962 per year for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $134 monthly in Oklahoma.

Best car insurance companies in Oklahoma

Oklahoma drivers pay an average of $1,610 yearly for full coverage car insurance and $530 for minimum insurance. USAA and State Farm generally have the cheapest car insurance in the state and score high customer satisfaction marks. Drivers who use Farmers could pay the most for full coverage, while Allstate has the most expensive minimum coverage on our list.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 890/1,000 $962/year $306/year
State Farm 833/1,000 $1,118/year $346/year
GEICO 819/1,000 $1,315/year $461/year
Farmers 819/1,000 $1,797/year $628/year
Allstate 806/1,000 $1,736/year $653/year
Progressive 803/1,000 $1,550/year $473/year

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USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction rating in Oklahoma and is the state’s most affordable full and minimum coverage provider. While only current and former military members and their families are eligible for a policy, USAA offers a good mix of standard coverage and discounts if you qualify.

Pros
  •  USAA had the cheapest coverage options in Oklahoma
  •  It offers various discounts, including up to 30% off if you use the SafePilot program
Cons
  •  You may find more specialty coverage options with a competitor
  •  USAA policies are not available to everyone

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm is the lowest-cost option for car insurance available to all drivers in Oklahoma. State Farm customers pay an average of $1,118 yearly for full coverage and $346 for the state’s minimum coverage. It also earned second place in customer satisfaction on our list of the best car insurance companies and has various policy options.

Pros
  •  It has some specialty options, including emergency roadside and rideshare coverage
  •  There are multiple State Farm agents throughout Oklahoma
Cons
  •  State Farm does not offer gap coverage
  •  You may find more discount options with a competitor, like a vanishing deductible

Get a quote now | State Farm review

GEICO: Best for senior drivers

Senior drivers in Oklahoma pay an average of $1,814 a year for full coverage. Although GEICO was not the cheapest option, it provides discounts specifically for seniors. Some discounts include defensive driving, five years of good driving, and retired government and military members.

Pros
  •  It earned the third-highest customer satisfaction score in the state
  •  Lower rates than some other carriers
Cons
  •  It has only four agents in all of Oklahoma
  •  GEICO’s automatic renewal contract for those over 50 is unavailable in Oklahoma

Get a quote now | GEICO review

Allstate: Best for new cars

Allstate’s gap insurance coverage can help you cover the pay-off amount of your loan if your new car is stolen or totaled in an accident. Although its coverage is generally more expensive, costing an average of $1,736 a year for full coverage and $653 for minimum coverage, it may be worth it to some.

Pros
  •  Allstate offers multiple policy options, including specific coverage for teen drivers
  •  It has multiple insurance agents in Oklahoma
Cons
  •  Allstate had the most expensive minimum coverage in the state
  •  It had the second-lowest customer satisfaction score in Oklahoma

Get a quote now | Allstate review

Progressive: Best for lowest deductible

Progressive is the lowest-cost option in Oklahoma with a vanishing deductible discount. It costs an average of $1,550 annually for full coverage and $473 for the state’s minimum coverage. If Progressive customers drive without an accident during the policy term, they may be able to reduce their deductible by $50 every six months or $100 once a year for annual renewals.

Pros
  •  Progressive has standard and specialty coverages, including pet injury coverage
  •  It offers multiple discounts, including an average savings of 10% for good students
Cons
  •  Progressive had the lowest customer satisfaction rating on our list
  •  Its Snapshot program may raise your rates, depending on your driving habits

Get a quote now | Progressive review

Oklahoma auto insurance requirements

In Oklahoma, drivers must maintain at least the following auto insurance minimums:

  • $25,000 in bodily injury protection per person
  • $50,000 in bodily injury protection per accident
  • $25,000 property damage protection

How to choose a car insurance provider in Oklahoma

When you’re looking for a new car insurance provider, keep a few things in mind to help you get the best insurance at the best price:

  • Check financial stability: Before starting a new car insurance policy, check a company’s ability to pay claims on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Oklahoma Department of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in Oklahoma.
  • Check pricing and discounts: Get quotes from at least three companies to compare pricing. Double-check that you received every discount you qualify for and that the policy amounts and coverage options are similar for an accurate comparison.
  • Customer service: As you research, pay attention to customer reviews and look for a company that is easy to work with, handles claims quickly, and is good at answering questions.

How much does car insurance cost in Oklahoma?

The average cost of car insurance in Oklahoma is $1,610 for full coverage and $530 a year for minimum coverage. Drivers in Edmond tend to pay the most for car insurance, an average of $2,071 annually. Those in Lawton will likely spend the least, with a yearly average of $1,827.

Oklahoma car insurance rates by city

Oklahoma insurance premiums cost an average of $1,610 a year, compared to the national average of $1,582. If your city has a higher population, you may see even higher insurance rates since more people on the road can increase the probability of accidents.

Oklahoma City, for example, has a population of 687,725, and residents pay an average of $1,995 yearly for car insurance. Norman, home to the University of Oklahoma, only has a population of 128,097, and residents spend an average of $1,864 annually.

City Avg. annual full-coverage premium
Edmond $2,071/year
Oklahoma City $1,995/year
Tulsa $1,965/year
Broken Arrow$1,915/year
Norman $1,864/year
Lawton $1,827/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Oklahoma

What are the minimum car insurance coverage requirements in Oklahoma?

Oklahoma drivers must maintain $25,000 in bodily injury protection per person and $50,000 in bodily injury protection per accident. Drivers must also have $25,000 property damage protection to drive legally.

How much does car insurance cost in Oklahoma?

Car insurance in Oklahoma costs an average of $1,610 per year for full coverage and $530 for minimum coverage.

Which car insurance companies cover Oklahoma?

Many nationally recognizable car insurance companies, including State Farm, Allstate, GEICO, Progressive, USAA, and Farmers, cover Oklahoma.

What is the cheapest car insurance company in Oklahoma?

Oklahoma's cheapest car insurance company is USAA, which costs $962 a year for full coverage and $306 per year for minimum coverage.

State Farm is the most affordable carrier available to everyone, costing an average of $1,118 a year for full coverage and $346 annually for minimum coverage.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.