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State Farm, USAA, and Allstate are among the cheapest car insurance providers in Oklahoma.
Full-coverage car insurance in Oklahoma averages $174 per month. Nationally, drivers pay $186 monthly. Your actual cost depends on multiple factors like your age, driving history, and where you live. Getting quotes from several insurance companies is the most effective way to determine your rate.
Below, we detail Oklahoma's most affordable car insurance options organized by coverage type, driver profile, and provider.
Affordable full-coverage car insurance in Oklahoma
Full-coverage insurance in Oklahoma runs $174 monthly on average, compared to $186 nationwide. Among Oklahoma's cheapest car insurance providers, State Farm, USAA, and Allstate stand out.
| Average monthly full coverage cost | |
| Oklahoma average | $174 |
| National average | $186 |
| State Farm | $82 |
| USAA | $102 |
| Allstate | $112 |
| Progressive | $130 |
Affordable liability-only car insurance in Oklahoma
In Oklahoma, some of the most affordable liability car insurance providers include State Farm, USAA, and Mercury.
Oklahoma drivers pay $88 monthly for liability-only coverage on average, while the national figure sits at $104.
| Average monthly liability-only cost | |
| Oklahoma average | $88 |
| National average | $104 |
| State Farm | $45 |
| USAA | $56 |
| Mercury | $61 |
| Allstate | $62 |
Cheap car insurance in Oklahoma by age
Age significantly impacts insurance costs. Car insurance for teens carries the steepest rates, averaging $341 monthly for full coverage in Oklahoma because of limited driving experience.
Rates drop as drivers enter their 20s, averaging $228 per month for full coverage. Premiums continue declining for those in their 30s and 40s, costing approximately $186 and $178 monthly.
Costs can often climb again for drivers who reach their 60s and beyond, but not always. Oklahoma seniors pay around $149 monthly for full coverage in their 60s and $153 per month in their 70s.
These age-related premium variations reflect different risk levels associated with each age group. Younger drivers are considered higher risk due to their inexperience and older drivers sometimes pay more due to health and changes in driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $341 | $172 |
| 20s | $228 | $116 |
| 30s | $186 | $94 |
| 40s | $178 | $90 |
| 50s | $169 | $85 |
| 60s | $149 | $75 |
| 70s | $153 | $78 |
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Cheap car insurance in Oklahoma for high-risk drivers
Moving violations and accidents can contribute to a bad driving record, which typically increases car insurance costs. Below are Oklahoma's average premiums for drivers with accidents, speeding tickets, or DUIs.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $221 | $112 |
| Speeding ticket | $226 | $114 |
| DUI | $280 | $142 |
Compare low-cost car insurance after an accident
For Oklahoma drivers with accidents on record, State Farm, USAA, and Allstate provide affordable car insurance options. Full-coverage policies for these drivers average $221 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $104 | $57 |
| USAA | $131 | $71 |
| Allstate | $143 | $79 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Oklahoma drivers with speeding tickets can find cheap car insurance through State Farm, USAA, and Allstate. Full coverage for drivers with tickets averages $226 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $104 | $57 |
| USAA | $131 | $72 |
| Allstate | $144 | $80 |
Compare low-cost car insurance after DUI conviction
Oklahoma drivers with DUIs can locate affordable full coverage through State Farm, USAA, and Allstate. Full coverage for drivers with DUI convictions averages $280 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $125 | $69 |
| USAA | $155 | $85 |
| Allstate | $171 | $95 |
Cheap car insurance in Oklahoma by credit score
Oklahoma drivers with excellent credit pay around $152 monthly for full coverage. Drivers with poor credit face steeper premiums, starting at $218 per month.
This rate variation demonstrates how credit scores influence insurance pricing, with poor credit typically leading to higher premiums because of perceived payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $152 | $77 |
| Good | $172 | $87 |
| Average | $179 | $91 |
| Poor | $218 | $110 |
FAQs
Does Oklahoma law require me to maintain continuous car insurance coverage?
Oklahoma enforces continuous coverage through its Uninsured Vehicle Enforcement Diversion (UVED) Program, which uses cameras to capture license plates and cross-reference them with the state's insurance verification system. Drivers caught without valid insurance receive notifications on how to obtain coverage and avoid penalties.
Historically, Oklahoma has had among the highest rates of uninsured drivers in the nation, which the UVED Program was implemented to address. In light of that, Oklahoma residents may benefit from purchasing an uninsured and underinsured motorist coverage add-on for their policy.
Should I keep comprehensive coverage in Oklahoma even if I have an older vehicle?
Comprehensive coverage is particularly crucial for Oklahoma drivers regardless of vehicle age due to the state's severe weather risks. Oklahoma broke records recently, clocking over 150 tornadoes in a single year in 2024, and hailstorms regularly damage vehicles across the state.
While comprehensive coverage may seem optional for older cars, the frequency of weather-related claims in Oklahoma makes it a wise investment to protect against natural disasters that standard liability policies won't cover.
Can my rates increase in Oklahoma if I'm not at fault in an accident?
Oklahoma law prohibits insurance companies from raising your rates for a single not-at-fault accident when another driver hits you. However, if you experience multiple accidents within a short time period, even if none are your fault, insurers may increase your premiums because they consider you a high-risk driver likely to file future claims.
Bottom line
These companies may offer Oklahoma's lowest rates, but that doesn't guarantee they're your cheapest option. The most effective approach to finding the right provider is gathering quotes from several of the best car insurance companies and comparing them on both price and service quality.
Data throughout provided by Insurify.
Average rate:
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