Average cost of car insurance in Oklahoma

The average car insurance rate in Oklahoma is $1,087 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 $329.

Best car insurance companies in Oklahoma

Geico is the best car insurance company in Oklahoma, based on a 2023 analysis by Insurance.com, with an overall rating of 4.32. State Farm is a close second with an overall rating of 4.18.

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 companies in Oklahoma
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 1,0870.774.32
State FarmA++$ 1,3780.524.18
USAA*A++$ 1,1010.993.94
Mercury InsuranceA$ 1,5180.673.5
FarmersA$ 1,5340.773.32
AllstateA+$ 1,8140.953.06
ProgressiveA+$ 2,4460.732.87

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

Cheapest car insurance companies 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. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Oklahoma, with average rates of $1,087 annually or $90 a month for full coverage.

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Geico$ 220$ 323$ 1,087
USAA$ 189$ 304$ 1,101
State Farm$ 235$ 417$ 1,378
Mercury Insurance$ 280$ 395$ 1,518
Farmers$ 361$ 539$ 1,534
Shelter Insurance$ 405$ 643$ 1,707
Allstate$ 450$ 638$ 1,814
Progressive$ 316$ 552$ 2,446
Oklahoma Farm Bureau$ 509$ 774$ 2,642

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

Auto insurance calculator

Average auto insurance rates in Alabama
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate

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.

State Farm offers the cheapest car insurance for teen drivers in Oklahoma at $3,289 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, Geico offers the cheapest full-coverage car insurance for adult drivers at $1,100 per year. Geico also has the cheapest full coverage insurance at $1,137 per year for senior drivers, unless you are eligible for USAA. 

Cheapest car insurance by age in Oklahoma
Age (group)Company GroupAvg. Annual Premium
Teens (16-19)State Farm$ 3,289
Teens (16-19)USAA$ 3,528
Teens (16-19)Geico$ 4,028
Teens (16-19)Shelter Insurance$ 4,621
Teens (16-19)Allstate$ 4,836
Teens (16-19)Farmers$ 6,371
Teens (16-19)Oklahoma Farm Bureau$ 6,632
Teens (16-19)Mercury Insurance$ 7,733
Teens (16-19)Progressive$ 11,150
Young Adults (20-24)USAA$ 1,644
Young Adults (20-24)Geico$ 1,647
Young Adults (20-24)Farmers$ 2,041
Young Adults (20-24)State Farm$ 2,058
Young Adults (20-24)Allstate$ 2,377
Young Adults (20-24)Shelter Insurance$ 3,074
Young Adults (20-24)Mercury Insurance$ 3,136
Young Adults (20-24)Progressive$ 3,841
Young Adults (20-24)Oklahoma Farm Bureau$ 4,328
Adults (25-55)Geico$ 1,100
Adults (25-55)USAA$ 1,111
Adults (25-55)State Farm$ 1,393
Adults (25-55)Farmers$ 1,531
Adults (25-55)Mercury Insurance$ 1,628
Adults (25-55)Shelter Insurance$ 1,799
Adults (25-55)Allstate$ 1,803
Adults (25-55)Progressive$ 2,514
Adults (25-55)Oklahoma Farm Bureau$ 2,674
Seniors (60-75)USAA$ 1,074
Seniors (60-75)Geico$ 1,137
Seniors (60-75)State Farm$ 1,277
Seniors (60-75)Farmers$ 1,455
Seniors (60-75)Shelter Insurance$ 1,521
Seniors (60-75)Mercury Insurance$ 1,688
Seniors (60-75)Allstate$ 1,774
Seniors (60-75)Progressive$ 2,128
Seniors (60-75)Oklahoma Farm Bureau$ 2,293

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. 

However, the severity and frequency of the incidents also plays a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.

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

Cheapest car insurance companies for tickets and accidents in Oklahoma
CompanyClean recordAccidentTicket
Geico$ 1,078$ 2,026$ 1,483
USAA*$ 1,196$ 1,764$ 1,531
State Farm$ 1,431$ 1,621$ 1,488
Farmers$ 1,652$ 2,339$ 2,245
Mercury$ 1,708$ 2,991$ 2,355
Shelter$ 1,991$ 3,381$ 2,575
Allstate$ 2,030$ 2,719$ 2,223
Progressive$ 2,713$ 4,855$ 3,857
Oklahoma Farm Bureau$ 2,865$ 3,130$ 3,129

*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 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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.  

Tip icon You might also be interested in