- Best car insurance companies in Oklahoma: Progressive
- Cheapest car insurance companies in Oklahoma: Progressive
- 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 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.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| Progressive | A+ | 803 | 0.65 | 3.56 | $1,194 |
| State Farm | A++ | 833 | 0.7 | 3.46 | $1,861 |
| Geico | A++ | 819 | 0.91 | 3.23 | $1,820 |
| Allstate | A+ | 806 | 0.65 | 2.95 | $2,699 |
| Shelter Insurance | A | 851 | 1.18 | 2.81 | $2,055 |
| Farmers | A | 819 | 0.8 | 2.71 | $2,717 |
| Mercury Insurance | A | 794 | 0.84 | 2.56 | $2,237 |
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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 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
Most & least expensive ZIP codes for auto insurance in Oklahoma
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 73114 | Oklahoma City | $221 |
| 73117 | Oklahoma City | $220 |
| 73120 | Oklahoma City | $220 |
| 73111 | Oklahoma City | $219 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 74082 | Vera | $173 |
| 74006 | Bartlesville | $174 |
| 74061 | Ramona | $174 |
| 73703 | Enid | $175 |
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 insurance costs an average of $401 annually or $33 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 $252 annually or $21 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 | $252 | $21 |
| USAA* | $267 | $22 |
| Geico | $284 | $24 |
| State Farm | $289 | $24 |
| Mercury Insurance | $322 | $27 |
| AFR Insurance | $342 | $28 |
| Shelter Insurance | $417 | $35 |
| Farmers | $601 | $50 |
| Allstate | $632 | $53 |
| Oklahoma Farm Bureau | $634 | $53 |
*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 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.
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 | $4,189 | $349 |
| State Farm | $5,427 | $452 |
| USAA | $5,968 | $497 |
| Shelter Insurance | $6,926 | $577 |
| Progressive | $7,791 | $649 |
| Geico | $8,304 | $692 |
| Oklahoma Farm Bureau | $9,506 | $792 |
| Mercury Insurance | $12,463 | $1,039 |
| Allstate | $12,771 | $1,064 |
| Farmers | $13,822 | $1,152 |
*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, Progressive offers the cheapest car insurance rates for drivers with an accident, at $1,949 per year. However, the severity and frequency of the incidents also play a role in insurance rates.
Progressive also offers the cheapest car insurance in Oklahoma for drivers with speeding tickets at $1,557 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 |
|---|---|---|---|
| Progressive | $1,194 | $1,949 | $1,557 |
| USAA | $1,447 | $2,199 | $1,785 |
| State Farm | $1,861 | $2,090 | $1,959 |
| Shelter Insurance | $2,055 | $2,718 | $2,503 |
| Allstate | $2,699 | $3,675 | $2,974 |
| Geico | $1,820 | $3,458 | $3,210 |
| Mercury Insurance | $2,237 | $4,201 | $3,336 |
| Farmers | $2,717 | $4,311 | $3,443 |
| Oklahoma Farm Bureau | $3,295 | $3,597 | $3,860 |
*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.
| 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 average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Oklahoma have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
Methodology
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.
Compare Oklahoma car insurance rates with other states
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