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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage Annual Premium
ProgressiveA+8030.653.56$1,194
State FarmA++8330.73.46$1,861
GeicoA++8190.913.23$1,820
AllstateA+8060.652.95$2,699
Shelter InsuranceA8511.182.81$2,055
FarmersA8190.82.71$2,717
Mercury InsuranceA7940.842.56$2,237

Data updated in 2024
Read our full methodology

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.

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.

Data updated in 2024
Read our full methodology

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
$50 State minimum
$215 Full coverage
$73 Liability only

Most & least expensive ZIP codes for auto insurance in Oklahoma

Most Expensive

Zip CodeCityHighest Rate
73114Oklahoma City$221
73117Oklahoma City$220
73120Oklahoma City$220
73111Oklahoma City$219

Least Expensive

Zip CodeCityLowest Rate
74082Vera$173
74006Bartlesville$174
74061Ramona$174
73703Enid$175
Data updated in 2024
Read our full methodology

Oklahoma 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.

State minimum auto insurance coverage in Oklahoma, OK
Company Liability insurance premiumMonthly 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

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Oklahoma by age

AFR
Cheapest for teens
$3,351/yr
Learn more
company_name
Cheapest for adults
$1,200/yr
Learn more
company_name
Cheapest for seniors
$1,042/yr
Learn more

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.

Age group
Teen
Age
16
Table
Graph
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
Yearly premium

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

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Oklahoma by driver profile

company_name
Cheapest for at-fault accident
$1,949/yr
Learn more
company_name
Cheapest for DUI
$1,338/yr
Learn more
company_name
Cheapest for speeding ticket
$1,557/yr
Learn more

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. 

CompanyClean RecordAccidentSpeeding 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.

Data updated in 2024
Read our full methodology

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
Data updated in 2024
Read our full methodology

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.

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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