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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Oklahoma drivers pay an average of $130 per month for car insurance, according to Compare.com data. But keep in mind that’s not necessarily the best indicator of what you’ll actually pay. At the end of the day, your car insurance premiums can vary widely based on personal factors like your age and location. Oklahoma is no stranger to tornadoes and hailstorms, which can drive up the average cost of insurance.
If you’re looking for the cheapest car insurance in Oklahoma, many companies offer rates well below the statewide average. For example, State Farm, Mercury, and USAA have some of the cheapest rates in Oklahoma. The cheapest average liability rate among them is $51 per month.
We’ll tell you the cheapest insurers in Oklahoma for different types of drivers, how to pick the right company, and tips on how to save money on your car insurance.
State Farm offers the cheapest car insurance in Oklahoma, with rates starting at $51 per month.
Oklahoma drivers pay an average of $88 per month for liability coverage and $172 per month for full coverage.
State laws require drivers to have at least 25/50/25 of liability coverage.[1]
No matter what the average car insurance rates in Oklahoma are, you can always look for ways to save. Personal factors like your age, your driving record, and the coverage you choose determine your monthly premium.
The table below lists some of the cheapest car insurers in Oklahoma, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $51 |
| Mercury | $59 |
| USAA | $64 |
| Allstate | $70 |
| National General | $71 |
| Root | $76 |
| The General | $81 |
| Safeco | $83 |
| Progressive | $86 |
| CSAA | $98 |
| Direct Auto | $99 |
| Bristol West | $108 |
| Farmers | $108 |
| GEICO | $112 |
| GAINSCO | $119 |
| Foremost | $133 |
| Shelter | $152 |
| Liberty Mutual | $182 |
The cheapest insurance company in Oklahoma is State Farm, with average rates starting at $51 per month.
Next, we’ll break down the cheapest car insurance companies for different drivers and coverage types.
The insurers listed above provide a good starting point if you’re looking for car insurance in Oklahoma. But remember, your rates can vary widely based on factors like your gender, address, and driving record.
Here are Oklahoma’s cheapest car insurers for a variety of driver backgrounds and coverage options, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $51 |
| Full coverage | State Farm | $87 |
| Teens | State Farm | $100 |
| Seniors | State Farm | $41 |
| Drivers with a speeding ticket | State Farm | $63 |
| Drivers with an at-fault accident | State Farm | $64 |
| Drivers with a DUI | State Farm | $79 |
| Drivers with excellent credit | State Farm | $43 |
| Drivers with poor credit | State Farm | $69 |
Comparing quotes can save you up to $867.†
Like nearly every state, Oklahoma has minimum car insurance requirements to legally drive. You need 25/50/25 in liability coverage — $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 per accident of property damage liability.
Many experts recommend purchasing more coverage than the state requires so that you have proper protection. If you’re in an accident and the damages exceed these minimum limits, you’ll have to pay out of pocket to cover the difference.
The average rate for minimum coverage in Oklahoma is $88 per month. If you decide that basic coverage meets your needs, the chart below shows Oklahoma’s five cheapest companies, according to Compare.com research.
While liability coverage pays for damages and injuries you cause to others, it doesn’t cover you or your vehicle. Full-coverage car insurance typically includes liability, collision, and comprehensive coverage, and it provides much more protection than a basic liability policy. Comprehensive and collision insurance helps cover things like damage to your car from crashes, theft, vandalism, and weather.
Our data shows that Oklahoma drivers pay an average of $172 per month for full-coverage car insurance. But even with higher rates, several insurers offer full coverage for close to the average liability price.
Check out the following table for the five cheapest insurance companies in Oklahoma for full coverage, according to Compare.com data.
Teens pay some of the highest insurance rates of any age group. A combination of inexperience and risky driving habits increases premiums for younger drivers. Teens also get into nearly four times as many accidents as drivers aged 20 and older.[2]
We found that Oklahoma teens pay an average rate of $255 per month for insurance. But you can still find a good deal on car insurance for teen drivers — if you know where to look.
The table below shows the five cheapest insurance companies in Oklahoma for teen drivers, according to our data.
Senior drivers typically enjoy some of the cheapest premiums of any age group because they tend to have decades of experience, are more likely to follow the rules of the road, and often drive less.
In Oklahoma, the average rate for seniors is $112 per month, according to Compare.com data. But you might find a better deal with one of several companies.
The following table shows the top five insurers in Oklahoma for seniors, according to our research.
While you might think getting a ticket isn’t a big deal, even one ticket can increase your car insurance premiums when you renew your policy. Our research shows that a single speeding ticket on your driving record causes average rates to rise by 37% nationwide.
Oklahoma drivers with a recent ticket pay an average of $161 per month for car insurance, according to Compare.com data. But you can find insurance companies that offer lower rates.
Here are the five cheapest insurance companies in Oklahoma for drivers with a recent ticket, according to our research.
If you cause an accident, you can expect a substantial increase in your rates. Insurers charge more after an at-fault accident because it means you have a higher likelihood of filing future claims. Our research shows that a single at-fault accident increases average rates by 41% nationwide.
Drivers in Oklahoma with a recent at-fault accident pay an average of $162 per month for car insurance, according to our data. But you might find a better deal with one of the insurers highlighted in the chart below.
If you get a driving under the influence (DUI) conviction, expect a sharp increase in your car insurance rates. No other incident will cause your premiums to go up more than a DUI because insurers will see you as a high-risk driver and charge you more to offset that risk. Average rates increase by 61% nationwide after a DUI conviction, according to our research.
Oklahoma drivers with a DUI conviction pay an average of $209 per month for car insurance. But while a DUI increases your premiums, you’re not necessarily stuck with extremely high rates.
The chart below highlights five of the cheapest insurers in Oklahoma for people with a DUI, according to Compare.com data.
In Oklahoma, insurers can use your credit history when calculating your rates. Studies have shown a connection between how people manage their finances and whether they’ll file an insurance claim.[3] Our research shows that, nationally, drivers with poor credit pay 20% more than people with excellent credit scores.
The average insurance rate for drivers with poor credit in Oklahoma is $145 per month, according to our research. But not all insurance companies use credit, and some offer affordable rates regardless of your credit history.
Here are the five cheapest insurance companies for drivers with poor credit in Oklahoma, according to Compare.com data.
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There’s no one best car insurance company for every driver. The right company for you depends on your coverage needs and your overall driver profile. To help you get started, we found some of the best insurers in Oklahoma.
We picked these companies based on a combination of average rates, available discounts, customer reviews, and coverages offered.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $87/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers some of the cheapest car insurance policies of any insurer in Oklahoma, according to our research. In addition to affordable coverage, State Farm ranks No. 2 for customer service in the Central region by J.D. Power.
State Farm offers a wide range of discounts, including bundling, defensive driving, and safe driver discounts. State Farm’s Drive Safe & Save telematics program can also save safe drivers up to 30%.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
With several military installations, Oklahoma has many drivers who may benefit from USAA’s affordable rates and exceptional customer service. USAA is a one-stop shop for military members, offering insurance, banking, and investment products. The company’s SafePilot telematics program also offers discounts for safe driving.
While USAA ranks highly for customer satisfaction by J.D. Power, it’s available only to military members and their families.
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $120/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers various coverage options and discounts. You can save up to 25% when you bundle your auto policy with homeowners or renters insurance.
You can also reduce your premiums with discounts, including safe driver, new car, safe driving, student, and safety feature discounts. If you don’t drive often, you can check out Allstate’s Milewise pay-per-mile car insurance to find out how much you can save.
Local rates start as low as $51 per month.
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Like nearly every state, Oklahoma requires all drivers to meet minimum car insurance requirements. The requirements in Oklahoma include:
$25,000 per person of bodily injury liability coverage
$50,000 per accident of bodily injury liability coverage
$25,000 per accident of property damage liability coverage
All drivers must also carry proof of financial responsibility in the form of:
Vehicle liability insurance
Oklahoma Department of Public Safety (DPS) certificate showing that you have deposited at least $75,000 in cash in a Certificate of Deposit (CD)
A certificate of self-insurance issued by the DPS for owners of 25 or more vehicles
While you need to meet only the minimum requirements to legally drive, most insurance experts recommend purchasing more coverage. Accidents often cost more than the minimum liability coverage, and you may have to pay out of pocket if you don’t have enough insurance.
The Oklahoma Insurance Department recommends that drivers carry a minimum of $100,000 per person and $300,000 per accident of bodily injury liability, as well as $100,000 of property damage liability.
If you want to know more about car insurance in Oklahoma, take a look at these answers to some commonly asked questions.
Oklahoma drivers pay an average of $130 per month for car insurance, according to Compare.com data. The average price of liability coverage is $88 per month, and the average rate for full coverage is $172 per month.
State Farm offers the cheapest auto insurance in Oklahoma, with rates starting at $51 per month.
It depends. Your car insurance premiums depend on several factors, including your age, address, driving history, and insurance coverage. The average rate of car insurance in Oklahoma is $130 per month, while the national average is $143 per month.
The cost of auto insurance can vary widely based on individual factors like your age, your location, the car you drive, and the type and amount of insurance you choose. Oklahoma also has relatively frequent storms and tornadoes, which can contribute to higher insurance premiums.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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