Best car insurance companies in Oklahoma: Progressive

Progressive is the best car insurance company in Oklahoma, based on the latest data analysis by Insurance.com, with an overall rating of 3.56. Other than Progressive, State Farm, Geico and Allstate are the top car insurance companies in Oklahoma.

Below is a full list of the top Oklahoma insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best car insurance in Oklahoma
Company AM BestAvg. Annual PremiumJ.D. PowerNAICInsurance.com score
ProgressiveA+$1,1948030.653.56
State FarmA++$1,8618330.73.46
GeicoA++$1,8208190.913.23
AllstateA+$2,6998060.652.95
Shelter InsuranceA$2,0558511.182.81
FarmersA$2,7178190.82.71
Mercury InsuranceA$2,2377940.842.56

Cheapest car insurance companies in Oklahoma: Progressive

Based on a rate analysis by Insurance.com, Progressive offers the cheapest full coverage car insurance in Oklahoma, with average rates of $1,194 annually or $99 a month. Progressive also offers the cheapest liability car insurance and state minimum car insurance in Oklahoma.

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Oklahoma and put together a list of the cheapest car insurance companies.

Cheapest car insurance in Oklahoma
CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
Progressive$254$372$1,194
USAA*$268$408$1,447
Geico$291$562$1,820
State Farm$289$500$1,861
Shelter Insurance$417$686$2,055
AFR Insurance$334$545$2,063
Mercury Insurance$343$564$2,237
Allstate$639$879$2,699
Farmers$641$1,133$2,717
Oklahoma Farm Bureau$619$934$3,295

*USAA offers car insurance only to military members, veterans and their families.

Average cost of car insurance in Oklahoma

The average car insurance cost in Oklahoma is $2,138 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For state minimum coverage, the average annual cost in Oklahoma is $408.

Auto insurance calculator

Average auto insurance rates in Oklahoma
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
74110 - Tulsa
For a 30-year-old male
$41 State minimum
$176 Full coverage
$60 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Oklahoma

Most Expensive

Zip CodeCityHighest Rate
74115Tulsa$178
73105Oklahoma City$177
73117Oklahoma City$176
73107Oklahoma City$176

Least Expensive

Zip CodeCityLowest Rate
74006Bartlesville$136
74029Dewey$137
74051Ochelata$137
74061Ramona$140

Cheapest car insurance cost in Oklahoma by age

In Oklahoma, as in all states, car insurance rates are higher for teenagers due to their lack of experience on the road.

AFR Insurance offers the cheapest car insurance for teen drivers in Oklahoma at $3,351 per year for a full coverage policy. 

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In Oklahoma, Progressive offers the cheapest full coverage car insurance for adult and senior drivers at $1,200 per year and $1,042 per year, respectively, unless you are eligible for USAA.

Cheapest car insurance in Oklahoma by age
Age Company Avg annual premium 
Teens (16-19)AFR Insurance$3,351
Teens (16-19)USAA*$4,169
Teens (16-19)State Farm$4,616
Teens (16-19)Progressive$5,895
Teens (16-19)Shelter Insurance$5,964
Teens (16-19)Geico$6,017
Teens (16-19)Oklahoma Farm Bureau$8,271
Teens (16-19)Mercury Insurance$9,634
Teens (16-19)Allstate$9,687
Teens (16-19)Farmers$10,404
Young Adults (20-24)Progressive$2,010
Young Adults (20-24)USAA*$2,167
Young Adults (20-24)AFR Insurance$2,469
Young Adults (20-24)Geico$2,643
Young Adults (20-24)State Farm$2,851
Young Adults (20-24)Shelter Insurance$3,807
Young Adults (20-24)Mercury Insurance$4,042
Young Adults (20-24)Allstate$4,129
Young Adults (20-24)Farmers$4,629
Young Adults (20-24)Oklahoma Farm Bureau$5,219
Adults (25-60)Progressive$1,200
Adults (25-60)USAA*$1,462
Adults (25-60)Geico$1,807
Adults (25-60)State Farm$1,860
Adults (25-60)AFR Insurance$2,077
Adults (25-60)Shelter Insurance$2,124
Adults (25-60)Mercury Insurance$2,270
Adults (25-60)Farmers$2,590
Adults (25-60)Allstate$2,672
Adults (25-60)Oklahoma Farm Bureau$3,260
Seniors (65-75)Progressive$1,042
Seniors (65-75)USAA*$1,482
Seniors (65-75)State Farm$1,733
Seniors (65-75)Geico$1,849
Seniors (65-75)Shelter Insurance$1,928
Seniors (65-75)AFR Insurance$2,155
Seniors (65-75)Mercury Insurance$2,186
Seniors (65-75)Farmers$2,667
Seniors (65-75)Allstate$2,709
Seniors (65-75)Oklahoma Farm Bureau$2,847

*USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Oklahoma by driver profile

Drivers who have accidents or tickets are considered a higher risk and will pay more for auto insurance.  In Oklahoma, State Farm offers the cheapest car insurance rates for drivers with an accident, at $1,621 per year. However, the severity and frequency of the incidents also plays a role in insurance rates.

State Farm also offers the cheapest car insurance in Oklahoma for drivers with speeding tickets at $1,526 per year.

Below are the average Oklahoma auto insurance rates by company for drivers with accidents and tickets on their driving record. 

Cheapest auto insurance in Oklahoma for drivers with tickets and accidents
CompanyClean recordAccident Speeding Ticket
Geico$1,096$2,353$1,906
USAA*$1,185$1,964$1,546
State Farm$1,431$1,621$1,526
Farmers$1,708$2,670$2,309
Mercury Insurance$1,728$3,815$2,489
Shelter$1,991$3,774$2,958
Allstate$2,021$2,853$2,237
Progressive$2,779$5,244$3,939
Oklahoma Farm Bureau$2,865$3,328$3,303

*USAA offers car insurance only to military members, veterans and their families.

Compare auto insurance rates by city in Oklahoma

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Oklahoma.

CityAnnual insurance premium
Bixby
$2,236
Cleveland
$2,189
Oklahoma City
$2,373
Tulsa
$2,339

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 

Accidents: 

  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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