- Best car insurance company in Oklahoma: Shelter Insurance
- Cheapest car insurance company in Oklahoma: GEICO
- Average cost of car insurance in Oklahoma
- Oklahoma car insurance requirements in Oklahoma
- Cheapest car insurance companies for minimum liability coverage in Oklahoma
- Cheapest car insurance cost in Oklahoma by age
- Cheapest car insurance companies in Oklahoma by driver profile
- Compare auto insurance rates by city in Oklahoma
- Car insurance premium trends in Oklahoma
- Methodology
- Compare Oklahoma car insurance rates with other states
Best car insurance company in Oklahoma: Shelter Insurance
Shelter Insurance is the best car insurance company in Oklahoma, based on our latest data analysis, with an overall rating of 4.42. Progressive, State Farm, GEICO and Allstate round out 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.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Shelter Insurance | A | 677 | 0.43 | $2,055 | 4.42 |
| Progressive | A+ | 638 | 0.71 | $1,194 | 4.18 |
| State Farm | A++ | 647 | 0.79 | $1,861 | 4 |
| GEICO | A++ | 622 | 0.69 | $1,820 | 3.76 |
| Allstate | A+ | 629 | 1.1 | $2,699 | 3.05 |
| Farmers | A | 622 | 0.86 | $2,717 | 3.04 |
| USAA | A++ | 759 | 1.18 | $1,447 | 4.38 |
Cheapest car insurance company in Oklahoma: GEICO
Based on a rate analysis by Insurance.com, GEICO offers the cheapest full coverage car insurance in Oklahoma, with average rates of $2,066 a year or $172 monthly. 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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| GEICO | $305 | $575 | $2,066 |
| Progressive | $286 | $501 | $2,341 |
| Shelter Insurance | $475 | $772 | $2,475 |
| AFR Insurance | $361 | $585 | $2,671 |
| Mercury Insurance | $397 | $684 | $2,871 |
| State Farm | $519 | $820 | $2,946 |
| Farmers | $638 | $1,078 | $3,020 |
| Allstate | $751 | $1,062 | $3,457 |
| Oklahoma Farm Bureau | $708 | $1,018 | $3,866 |
| USAA | $274 | $414 | $1,542 |
*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 $2,705 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 $452.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Oklahoma
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Minco | $999 | $83 |
| Porter | $996 | $83 |
| Crescent | $994 | $83 |
| Bristow | $994 | $83 |
| Okay | $991 | $83 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Shamrock | $1,000 | $83 |
| Cashion | $1,000 | $83 |
| Wellston | $1,008 | $84 |
| Redbird | $1,008 | $84 |
| Kellyville | $1,009 | $84 |
The Oklahoma Insurance Department says...
A three-year discount is mandatory if you successfully complete an accident prevention course approved by the insurance company of the policyholder. This discount does not apply if the course is taken for any court order in connection with a motor vehicle violation or an alcohol/drug-related offense.
- The Oklahoma Insurance DepartmentOklahoma car insurance requirements in Oklahoma
Oklahoma’s minimum car insurance coverage limits are 25/50/25. Oklahoma's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $452 annually or $38 monthly.
Minimum liability insurance requirements for Oklahoma:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per person
Cheapest car insurance companies for minimum liability coverage in Oklahoma
According to Insurance.com, Progressive provides the cheapest state minimum liability insurance, averaging $501 annually or $42 monthly.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Oklahoma.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Progressive | $501 | $42 |
| GEICO | $575 | $48 |
| AFR Insurance | $585 | $49 |
| Mercury Insurance | $684 | $57 |
| Shelter Insurance | $772 | $64 |
| State Farm | $820 | $68 |
| Oklahoma Farm Bureau | $1,018 | $85 |
| Allstate | $1,062 | $89 |
| Farmers | $1,078 | $90 |
| USAA | $414 | $35 |
*USAA offers coverage only to military veterans and their family
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 a 16-year-old driver in Oklahoma at $5,644 per year.
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, GEICO offers the cheapest car insurance for a 25-year-old driver at $2,252 per year. Progressive offers the cheapest car insurance for a 65-year-old driver at $1,671 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| AFR Insurance | $5,644 | $470 |
| USAA | $6,411 | $534 |
| Shelter Insurance | $8,382 | $699 |
| State Farm | $8,873 | $739 |
| GEICO | $9,615 | $801 |
| Oklahoma Farm Bureau | $11,375 | $948 |
| Progressive | $11,941 | $995 |
| Allstate | $12,947 | $1,079 |
| Farmers | $16,452 | $1,371 |
| Mercury Insurance | $20,002 | $1,667 |
*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, Shelter Insurance offers the cheapest car insurance rates for drivers with an accident, at $3,274 per year. However, the severity and frequency of the incidents also play a role in insurance rates.
Shelter Insurance also offers the cheapest car insurance in Oklahoma for drivers with speeding tickets at $3,015 per year.
Below are the average Oklahoma auto insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Shelter Insurance | $2,475 | $3,274 | $3,015 |
| Progressive | $2,341 | $3,822 | $3,054 |
| State Farm | $2,946 | $3,308 | $3,102 |
| GEICO | $2,066 | $3,924 | $3,643 |
| Allstate | $3,457 | $4,708 | $3,810 |
| Farmers | $3,020 | $4,791 | $3,827 |
| Mercury Insurance | $2,871 | $5,392 | $4,282 |
| Oklahoma Farm Bureau | $3,866 | $4,220 | $4,530 |
| USAA | $1,542 | $2,343 | $1,902 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Oklahoma
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Oklahoma will impact what you pay. Below, we've gathered Oklahoma car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Bixby | $2,236 |
Cleveland | $2,189 |
Oklahoma City | $2,373 |
Tulsa | $2,339 |
Car insurance premium trends in Oklahoma
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Oklahoma to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Oklahoma car insurance rates with other states
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