Main menu

Pages

Best Cheap Car Insurance in Oklahoma for 2022

Oklahoma isn’t one of the most expensive states in the U.S. for car insurance, as the Oklahoma average rate of $1,439 is only a little over the national average of $1,321. You may pay more or less for auto insurance based on your car’s age, make, and model, whether you want minimum coverage, uninsured motorist coverage, or other coverage options. 

COMPANY

AVERAGE ANNUAL RATE

USAA

$964

Geico

$1,069

State Farm

$1,239

Progressive

$1,363

Farmers Insurance

$1,408

Statewide Average

$1,440

Allstate

$1,480

Shelter Insurance Group

$1,919

Oklahoma Farm Bureau

$2,075

USAA offers the lowest auto insurance rate in Oklahoma at $963. If you don’t qualify for USAA membership, which requires military affiliation, investigate rates at Geico, Oklahoma’s second-cheapest insurer on average. The highest auto insurance rate among the companies in our study is $2,074 with Oklahoma Farm Bureau.

Oklahoma Rates for Teen Drivers

COMPANY

17-YEAR-OLD FEMALES

17-YEAR-OLD MALES

Allstate

$4,647

$5,422

Farmers Insurance

$6,371

$6,890

Geico

$3,700

$3,840

Oklahoma Farm Bureau

$4,238

$6,474

Progressive

$8,457

$9,467

Shelter Insurance Group

$4,363

$5,622

State Farm

$2,855

$3,604

USAA

$3,100

$3,311

Statewide Average

$4,717

$5,579

Oklahoma teens (or their parents) typically pay the highest auto insurance rates of all age groups, which are highly varied depending on the insurer. In Oklahoma, female rates are lower than male rates, on average, reflecting an insurer’s risk assessment. According to our data, male and female Oklahoma teens will find the lowest insurance rates with State Farm and the highest rates with Progressive. 

Oklahoma Rates for Young Adults

COMPANY

25-YEAR-OLD FEMALES

25-YEAR-OLD MALES

Allstate

$1,562

$1,637

Farmers Insurance

$1,535

$1,646

Geico

$1,004

$1,012

Oklahoma Farm Bureau

$2,368

$2,627

Progressive

$1,611

$1,648

Shelter Insurance Group

$2,484

$2,519

State Farm

$1,310

$1,465

USAA

$1,115

$1,185

Statewide Average

$1,624

$1,718

Car insurance rates for young adults in Oklahoma are much lower than rates for teens, with female rates lower than male rates. The cheapest insurer in Oklahoma for young adults (male and female) is Geico. The highest average rate for female, young adult drivers is with Shelter Insurance Group, and the highest average rate for males is Oklahoma Farm Bureau, although your rates may differ based on other factors. 

Oklahoma Rates for Seniors

COMPANY

60-YEAR-OLD FEMALES

60-YEAR-OLD MALES

Allstate

$1,351

$1,412

Farmers Insurance

$1,225

$1,313

Geico

$1,078

$1,197

Oklahoma Farm Bureau

$1,746

$1,746

Progressive

$1,112

$1,197

Shelter Insurance Group

$1,490

$1,490

State Farm

$1,099

$1,099

USAA

$845

$847

Statewide Average

$1,243

$1,288

Older Oklahoma drivers will see the lowest rates for auto insurance. In some cases, male and female drivers could pay the same rate. The least expensive car insurance for senior drivers is with USAA. If you don’t qualify for USAA membership, Oklahoma’s cheapest car insurance alternative is Geico for older women and State Farm for older men. The highest rates are with the insurer Oklahoma Farm Bureau, according to our data. 

Oklahoma Rates for Drivers With Poor Credit

COMPANY

AVERAGE ANNUAL RATE

USAA

$1,585

Geico

$1,680

Oklahoma Farm Bureau

$2,084

Farmers Insurance

$2,134

Allstate

$2,138

Statewide Average

$2,213

State Farm

$2,363

Progressive

$2,412

Shelter Insurance Group

$3,311

Oklahoma drivers with a poor credit history can face much higher rates than the state insurance average or those with a good or fair credit history. The cheapest rate is with Geico for those with poor credit, while the most expensive rate is with Shelter Insurance Group, although your rates may differ. 

Oklahoma Rates for Good Drivers

COMPANY

AVERAGE ANNUAL RATE

USAA

$964

Geico

$1,069

State Farm

$1,239

Progressive

$1,363

Farmers Insurance

$1,408

Statewide Average

$1,440

Allstate

$1,480

Shelter Insurance Group

$1,919

Oklahoma Farm Bureau

$2,075

Average rates for good drivers in Oklahoma are near the state average. The cheapest insurer for those with a clean record is USAA, followed by Geico. The most expensive insurer for those with a good driving record is Oklahoma Farm Bureau. 

Oklahoma Rates After a Speeding Ticket

COMPANY

AVERAGE ANNUAL RATE

USAA

$1,210

State Farm

$1,319

Geico

$1,483

Allstate

$1,621

Statewide Average

$1,743

Farmers Insurance

$1,800

Progressive

$1,958

Oklahoma Farm Bureau

$2,122

Shelter Insurance Group

$2,433

After one speeding violation, Oklahoma insurance rates start clicking up. Insuring your vehicle after a ticket may be the least expensive with USAA, followed by State Farm. The most costly insurance for this demographic may be found with Shelter Insurance Group. 

Oklahoma Rates After an Accident

COMPANY

AVERAGE ANNUAL RATE

USAA

$1,371

State Farm

$1,399

Progressive

$1,764

Geico

$1,787

Allstate

$1,874

Farmers Insurance

$1,989

Statewide Average

$2,086

Oklahoma Farm Bureau

$2,265

Shelter Insurance Group

$3,361

After a driver has been in one accident, auto insurance rates jump yet again. According to the data, Shelter Insurance Group may be the most expensive insurance company for Oklahoma drivers with an accident on their record. The least expensive insurance company for these drivers may once again be USAA, or State Farm if unable to qualify for USAA’s rates. 

Oklahoma Rates After a DUI

COMPANY

AVERAGE ANNUAL RATE

State Farm

$1,319

Progressive

$1,670

USAA

$1,753

Allstate

$1,879

Farmers Insurance

$1,916

Geico

$1,975

Statewide Average

$2,115

Shelter Insurance Group

$3,153

Oklahoma Farm Bureau

$3,258

Adding a DUI to your driving record could lead to higher prices as well. But at least one Oklahoma insurer, State Farm, charges the same rate whether the driving record has a speeding ticket or a DUI, reserving higher rates for those involved in an accident. State Farm offers the lowest rate for DUI drivers, according to the data. The highest rates for DUI drivers are seen with the Oklahoma Farm Bureau. 

How Much Is High Coverage Car Insurance in Oklahoma?

COMPANY

AVERAGE ANNUAL RATE

USAA

$1,032

Geico

$1,155

State Farm

$1,379

Farmers Insurance

$1,509

Progressive

$1,539

Statewide Average

$1,556

Allstate

$1,596

Shelter Insurance Group

$2,056

Oklahoma Farm Bureau

$2,185

High coverage car insurance typically includes higher minimum bodily liability limits, uninsured or underinsured driver coverage, and other options. In Oklahoma, you might be able to find this high coverage car insurance for a lower price with USAA, followed by Geico. A high coverage car insurance policy may cost the most with Oklahoma Farm Bureau. 

How Much Is Minimum Coverage Car Insurance in Oklahoma?

COMPANY

AVERAGE ANNUAL RATE

USAA

$911

Geico

$988

State Farm

$1,150

Progressive

$1,247

Farmers Insurance

$1,344

Allstate

$1,393

Statewide Average

$1,401

Oklahoma Farm Bureau

$1,981

Shelter Insurance Group

$2,199

Low coverage car insurance will meet Oklahoma’s minimum requirements for liability coverage and is typically lower priced than high coverage insurance, as well. As with high coverage insurance, the least expensive companies for minimum coverage are USAA and Geico. Shelter Insurance Group’s rate is the highest for this category and is even higher than Shelter Insurance Group’s rate for medium- or high-coverage insurance types. 

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.


Is Car Insurance Required in Oklahoma?

Auto insurance is required in Oklahoma, specifically liability coverage that helps cover claims when you are at fault in a collision. 

Which Cars Are Required To Be Insured in Oklahoma?

Vehicles that a driver plans to use on public roads or streets should be insured. An owner can apply for an Affidavit of Nonuse to register a car not being driven on public roads or streets. 

When Should I Get Car Insurance in Oklahoma?

You must have proof of car insurance to register a vehicle in Oklahoma, whether showing a paper or digital insurance card or ensuring your data shows up in the state’s online verification system. 

How Much Car Insurance Do I Need in Oklahoma?

Oklahoma’s minimum requirements for auto insurance are:

  • $25,000 in bodily injury liability coverage per person per accident
  • $50,000 for bodily injury liability coverage for all people injured per accident
  • $25,000 for property damage per accident 

However, the state points out that an accident will likely cost more than these minimum limits, so you may be paying more out of pocket if you choose a minimum coverage policy. 

How Much Is Car Insurance in My City in Oklahoma?

Your Oklahoma zip code could quickly impact your insurance rates, according to the available data. Premiums on average from $1,354 to $1,644, depending on where you live. The highest rates are in the Oklahoma City suburb Midwest City, Tulsa, and Oklahoma City, with average insurance rates between $1,644 to $1,639 per year. The lowest rates are in smaller towns such as Enid, Lawton, and Stillwater, which offer average premiums under $1,400 per year. 

What Happens if My Car Is Not Properly Insured in Oklahoma?

Oklahoma uses license plate-scanning technology to find individuals who aren’t complying with state minimum insurance requirements. If you’re found driving without insurance, you could be subject to fines, jail time, seizure of your vehicle or license plate, and suspension of your driving privileges.  

Is Oklahoma a No-Fault State?

No, Oklahoma is not a no-fault state. You can recover damages by filing a claim against the at-fault driver. 

Do I Need Uninsured Motorist Coverage in Oklahoma?

Oklahoma doesn’t require drivers to carry uninsured or underinsured motorist coverage, although insurance companies must offer you this coverage option.

Is Liability Insurance Required in Oklahoma?

Your insurance policy should include mandatory liability insurance in Oklahoma. 

Does Oklahoma Accept Digital Insurance Cards?

Yes, Oklahoma accepts digital insurance cards. 

How We Created This Oklahoma Car Insurance Review

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 17, 25, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

reactions