Compare Car Insurance Rates in Oklahoma

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Cheap Car Insurance Oklahoma: Full and Minimum Coverage

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  • On average, car insurance in Oklahoma costs $40 per month for minimum coverage and $180 per month for full coverage.
  • USAA tends to offer the lowest average prices in Oklahoma for both minimum- and full-coverage policies.
  • High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Oklahoma car insurance.

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Whether you’re looking for minimum coverage or full coverage, the cheapest car insurance in Oklahoma typically comes from USAA. The company offers average monthly rate estimates of $20 per month for minimum coverage and $103 per month for full coverage. State Farm is a close second when it comes to affordable choices for Oklahoma drivers.

Our team took a deep dive into leading insurers’ average costs, available coverage choices, customer reviews, and industry reputations to learn which companies offer the best car insurance in Oklahoma. We’ll break down each provider’s average costs to reveal where you can find high-quality and affordable insurance in the Sooner State.

Best Car Insurance Rates in Oklahoma

USAA, State Farm, and American Farmers & Ranchers to offer the cheapest auto insurance rates for Oklahoma drivers. Because auto insurance costs vary based on personal factors, you’ll want to reach out to multiple companies for quotes to find the best price for your vehicle.

  • Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Oklahoma. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
  • To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
  • Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history.
  • You’ll find detailed cost estimates in the sections below, but we’ve listed out the cheapest car insurance companies in Oklahoma for a few driver profiles right here:
    • Cheapest full coverage: USAA followed by State Farm
    • Cheapest minimum coverage: USAA followed by State Farm
    • Cheapest for teen drivers: American Farmers & Ranchers followed by State Farm
    • Cheapest for drivers with a traffic violation: State Farm followed by USAA

Cheapest Car Insurance Companies in Oklahoma

While affordable rates are important, you also want to find a company that offers quality coverage and reliable customer service. Our team has researched and ranked the best car insurance providers for Oklahoma drivers below. Although USAA typically offers the cheapest average rates in the Sooner State, State Farm received the highest score of any company we researched.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$25$12412

Cheapest Car Insurance Coverage in Oklahoma

Opting to meet only the minimum coverage amounts required by the state will get you the cheapest rates for car insurance in Oklahoma. However, a minimum-liability policy won’t provide coverage for your vehicle or your medical bills – it only covers other drivers, their passengers, and their vehicles.

For greater protection, you can opt for a full-coverage auto insurance policy. This includes comprehensive and collision coverage and will cover damage to your vehicle in the case of natural disasters, vandalism, or at-fault accidents. This comes at a much higher premium than minimum-liability coverage but could save you money if an incident were to occur.

Cheapest Minimum-Liability Car Insurance in Oklahoma

The average rate estimate for a minimum-coverage policy in Oklahoma is $40 per month or $478 per year. USAA tends to offer the cheapest minimum-liability policies with estimates of $20 per month or $243 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
State Farm$25$303
American Farmers & Ranchers$29$351
Home State$47$561
Oklahoma Farm Bureau$51$611

Cheapest Full-Coverage Car Insurance in Oklahoma

In Oklahoma, a full-coverage auto insurance policy costs $180 per month or $2,156 per year on average. Overall, USAA offers the cheapest average estimates for full-coverage insurance at $103 per month or $1,236 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$124$1,484
American Farmers & Ranchers$147$1,764
Oklahoma Farm Bureau$226$2,711
Home State$303$3,630

Oklahoma Car Insurance Quotes by Driver Profile

Car insurance rates vary significantly based on several personalized factors, so what you pay for coverage will likely differ from the costs listed above. Your age, driving record, location in Wisconsin, and more influence the car insurance premiums you pay.

car insurance cost factors

Cheapest Car Insurance in Oklahoma: Age

Young drivers and teen drivers tend to pay some of the highest insurance costs compared to those in other age groups. See the table below to compare average rate estimates for Oklahoma drivers of different ages:

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Oklahoma: High-Risk Drivers

Driving history plays a significant role in how much you pay for coverage. While those with clean driving records often find cheaper car insurance rates, drivers with at-fault accidents or traffic violations on their record can expect to receive higher premiums.

How much your driving record impacts your monthly cost varies by car insurer. Below is a list of the top insurers in Oklahoma and their average minimum-coverage rates for good drivers versus high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$25$28
American Farmers & Ranchers$29$51
Home State$47$51
Oklahoma Farm Bureau$51$71

Car Insurance Rates in Oklahoma: Speeding Ticket

Oklahoma drivers with a speeding ticket on their record can typically find the most affordable coverage through USAA, with an average rate estimate of $20 per month or $243 per year. State Farm also offers extremely competitive rates for drivers whose recent driving history includes a speeding ticket.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
State Farm$27$328
American Farmers & Ranchers$42$508
Home State$49$588
Oklahoma Farm Bureau$58$697

Car Insurance Rates in Oklahoma: At-Fault Accident

Drivers who’ve been in a recent at-fault accident will also likely see higher rates. American Farmers & Ranchers tends to offer the cheapest coverage for Oklahoma drivers with a recent accident, with an average rate estimate of $29 per month or $351 per year. State Farm and USAA have relatively inexpensive coverage for drivers with an at-fault accident as well.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
American Farmers & Ranchers$29$351
State Farm$30$361
Home State$52$624
Oklahoma Farm Bureau$58$697

Car Insurance Rates in Oklahoma: DUI

A driving under the influence (DUI) violation can cause auto insurance premiums to increase significantly. Oklahoma motorists with a DUI on their record can generally find more affordable coverage from State Farm, which offers average estimates of $25 per month or $303 per year

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$27$328
Home State$52$624
American Farmers & Ranchers$81$973
Oklahoma Farm Bureau$96$1,149

Average Cost of Car Insurance in Oklahoma

On average, car insurance in Oklahoma costs $478 per year for minimum-liability insurance and $2,156 annually for full coverage. These rates are about 24% and 13% lower than the national averages respectively.

Average Car Insurance Cost in Oklahoma by City

Car insurance costs can vary widely even within states. The potential risk factors such as population density, crime rates, and weather patterns of your area influence what you pay. The table below shows the average rates for car insurance in Oklahoma’s largest cities.

Cities in OklahomaAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Oklahoma City$50$196
Broken Arrow$47$185
Midwest City$52$201
Ponca City$36$178

Oklahoma Minimum Car Insurance Coverage

According to Oklahoma law, all drivers must either meet or exceed the following minimum coverage requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

While Oklahoma law only requires drivers to meet these limits, opting for a policy with higher limits and additional coverage types can offer you greater protection. A minimum-liability policy doesn’t offer coverage for your medical bills or property damage.

By adding collision coverage and comprehensive coverage, you’ll be safe from covering repair costs to your own vehicle after thefts, vandalism, a car accident, or severe weather. To ensure your potential medical expenses are covered, you can also add medical payments coverage (MedPay) for greater peace of mind.

Cheap Car Insurance in Oklahoma: Conclusion

The cheapest car insurance in Oklahoma often comes from USAA, which has average rates of $20 per month. It’s important to compare auto insurance quotes from various providers, though, to find out if you could receive more affordable coverage elsewhere.

You may also want to consider the protection of a full-coverage policy. The best rates we found for full coverage were also from USAA for as low as $103 per month on average.

Best Car Insurance in Oklahoma: Recommended Providers

When starting your search for auto insurance, you’ll want to reach out to multiple providers to find the best rates and coverage for your situation. We recommend considering USAA and State Farm.

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USAA: 4.6 out of 5.0

USAA typically provides the cheapest car insurance in Oklahoma for both full-coverage and minimum-coverage plans. However, it’s only available for military members, veterans, and their immediate family members. For those who are eligible, USAA may be the best choice.

State Farm: 4.7 out of 5.0

State Farm also offers highly competitive prices for Oklahoma drivers. The company also received our team’s highest overall rating in our industry-wide review due to its positive reputation, quality coverage, and reliable customer service.

Cheapest Auto Insurance in Oklahoma: FAQ

Which company gives the cheapest car insurance?

State Farm generally offers the cheapest car insurance when it comes to national averages. Drivers in Oklahoma tend to receive their lowest premiums from USAA and State Farm.

How much is car insurance per month in Oklahoma?

The average cost of car insurance per month in Oklahoma is $40 for a minimum-coverage policy and $180 for full coverage. Our team found rates in Oklahoma as low as $20 per month for minimum coverage and $103 for a full-coverage policy.

How to reduce car insurance in Oklahoma?

If you’re looking for ways to reduce your car insurance costs in Oklahoma, we recommend increasing your deductible if your budget allows and looking for available discounts. Most insurers offer a range of savings opportunities that you may be eligible for to help you save.

How much is car insurance on average in Oklahoma?

The average cost of car insurance in Oklahoma is $478 per year for minimum coverage and $2,156 annually for a full-coverage policy.

Is it illegal to drive without insurance in Oklahoma?

Yes, it is illegal to drive without insurance in Oklahoma. If you’re caught driving without coverage and current registration, you could be fined, have your license suspended, or even face a short time in prison.

Is it cheaper to pay car insurance every six months or monthly?

You’ll typically get charged less if you pay off your car insurance policy every six months rather than each month. Many auto insurers give discounts for paying policies up front, though this discount isn’t available through every insurance company.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.