Cheapest car insurance companies in Oklahoma City 

Progressive and Geico offer the cheapest car insurance rates in Oklahoma City for 2023, according to a study by Insurance.com.

Progressive has the cheapest car insurance rates in Oklahoma City at an average cost of $1,402 per year.

Car insurance costs may vary in Oklahoma City based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Oklahoma City.

CompaniesAverage annual rates
Progressive$1,402
USAA$1,594
Geico$1,802
State Farm$1,935
Shelter Insurance$2,402
Mercury Insurance$2,495
AFR Insurance$2,499
Farmers$2,925
Allstate$3,177
Oklahoma Farm Bureau$3,625

Cheapest car insurance cost in Oklahoma City by Age Group 

The cheapest auto insurance company in Oklahoma City for teen drivers is AFR Insurance. For full coverage, its average annual rate for Oklahoma City drivers is $4,197. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

When compared to other car insurance companies, Progressive turned out to be the cheapest car insurance company for young drivers in Oklahoma City, offering full coverage at an annual average cost of $2,377.

For Oklahoma City drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Progressive provides the cheapest car insurance premiums, offering full coverage policies at $1,407 annually

Progressive is the cheapest option for senior drivers in Oklahoma City, with an average premium of $1,238 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
AFR Insurance$4,197$3,038$2,518$2,622
USAA$4,693$2,409$1,613$1,659
State Farm$5,303$3,138$1,943$1,859
Geico$6,191$2,633$1,795$1,907
Shelter Insurance$7,086$4,504$2,487$2,251
Progressive$7,099$2,377$1,407$1,238
Farmers$7,720$5,264$2,779$2,958
Oklahoma Farm Bureau$9,589$5,454$3,502$3,198
Mercury Insurance$10,234$4,528$2,533$2,474
Allstate$10,743$4,836$3,145$3,190

Cheapest car insurance companies in Oklahoma City by driver profile 

Insurers in Oklahoma City consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

To find the cheapest car insurance company in Oklahoma City, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

In Oklahoma City, these insurance companies offer cheap car insurance rates based on your driver profile.

Drivers in Oklahoma City with poor credit can get the cheapest car insurance from Geico at an average cost of $1,589 a year, according to a data study by Insurance.com.

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage annual rates
Geico$1,589
USAA$2,251
Farmers$2,647
Allstate$3,148
Progressive$4,910
State Farm$6,727

In Oklahoma City, State Farm provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,514, on average. 

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$1,514
USAA$1,557
Geico$1,863
Farmers$2,276
Allstate$2,330
Progressive$3,983

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Oklahoma City with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,609 annually.

CompanyAverage annual rates
State Farm$1,609
USAA$1,977
Geico$2,299
Farmers$2,634
Allstate$2,966
Progressive$5,274

Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Oklahoma City. On average, its annual full coverage rate is $1,514, making it a significantly cheaper option than other insurance providers.

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
State Farm$1,514
USAA$2,319
Farmers$2,721
Allstate$3,088
Geico$3,136
Progressive$4,001

Average car insurance cost in Oklahoma City 

In Oklahoma City, the annual cost of car insurance for the coverage level of 100/300/100 is $2,373 or around $198 per month. However, the average yearly rate for state minimum coverage in Oklahoma City is $530.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$2,373$530

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Oklahoma