The Best Car Insurance in Oklahoma

With more than 40 locations in Oklahoma, Allstate is a strong choice no matter where you live in the state. The company holds an A+ rating for financial strength from AM Best, meaning you can count on its ability to pay for a claim.² It offers a number of coverage options, including some you won’t find everywhere, such as rideshare coverage and new car replacement.

Bundling Savings

In terms of extreme weather, Oklahoma is known for tornadoes. Due to its proximity to “tornado alley,” state capital Oklahoma City is especially prone. Tornadoes can cause wind and water damage to your home or vehicle from the wind itself or related events like fallen trees.

Insurance can help pay for damage to your home or vehicle due to tornadoes or other extreme weather. To ensure protection from tornadoes, confirm that your policy covers windstorm damage.

In Oklahoma, Allstate customers save an average of 11 percent for bundling home and auto insurance. In addition, you can save on auto insurance with discounts for the following:

• Driving a vehicle equipped with antilock brakes and/or an antitheft device
• Driving a new car (current model year or one prior)
• Setting up automatic withdrawals for your premiums or paying in full
• Going paperless
• Signing your policy at least seven days before it goes into effect
• Being a responsible payer (no cancellation notice for nonpayment in the last year)
• Driving safely (Allstate issues a credit automatically for every six months you drive without an accident)

Multiple Student Discounts

Oklahoma is home to major universities like the University of Oklahoma, University of Tulsa and Oklahoma State University. Whether you’re a college student, high school student or nontraditional student, Allstate has ways to earn its student discount.

To qualify for Allstate’s student discount, a driver must be unmarried, be under the age of 25 and fulfill any one of the following criteria:

• Attend school full-time and maintain at least a 2.7 GPA (B-minus average)
• Complete the online teenSMART driver education program successfully
• Attend school at least 100 miles away from where the car is garaged

Additionally, students who drive infrequently may benefit from Allstate’s pay-per-mile program, Milewise. Milewise is available in 21 states, including Oklahoma. You pay a daily base rate and an additional rate per mile driven, tracked by the Allstate app and a Milewise device you install on your car.

Robust Coverage Options

As a major insurer, Allstate offers the following standard auto insurance coverages:

While Oklahoma only requires liability coverage, how much insurance you need depends on a number of factors. For example, some lenders require you to carry additional coverages like comprehensive and collision if you are leasing or financing your vehicle. And while the state doesn’t require drivers to carry UIM coverage, it’s often a good idea. The Insurance Research Council estimates that 13 percent of drivers in Oklahoma are uninsured, which is about the same as the national average.³

In addition to full coverage car insurance, which includes the minimum insurance requirements in Oklahoma, Allstate offers some extra coverages that prove useful, including:

• Roadside coverage: Roadside assistance covers lockouts, fuel delivery, towing, tire changes and jump-starts.
• Rideshare coverage: If you drive for Uber, Lyft or another service, rideshare coverage protects you when the app is on and you’re waiting for a passenger assignment or driving to pick up a passenger. Your transportation network’s coverage only applies when a passenger is in the car, while your personal auto policy won’t cover any time you spend with your rideshare app active.
• Rental reimbursement coverage: Rental coverage pays for the cost of a rental car or other transportation expenses while your vehicle is in the shop due to an insured loss.
• Classic car coverage: Classic car coverage covers regular, modern and antique classics, vehicles under restoration, modified vehicles, custom builds and more.
• Mexico insurance: If you’re traveling to Mexico, Allstate offers coverage that’s valid across the border.

USAA is the fifth-largest auto insurer in the country and a great option for those who qualify for membership. The company reports the average monthly cost for auto policies issued in Oklahoma in 2022 was $166.⁴ You may pay more or less, depending on the coverage you choose. In addition to strong customer service, extensive coverage options and discounts, USAA offers a top-notch roadside assistance program as well as competitive rates for auto loans.

High-Quality Coverage for Military

Nationally, USAA offers some of the most competitive auto insurance rates, plus high-quality coverage and customer service and Oklahoma is no exception.

In addition to low prices, USAA customers report high levels of satisfaction with the insurer. In a J.D. Power survey, USAA ranked the highest in customer satisfaction for the central U.S. region, which includes Oklahoma. With a score of 879 out of 1,000, it beat the next-ranked insurer, Shelter, by over 10 points.

Safe Driving Benefits

Insurance companies consider safe drivers less of a risk to insure, which can translate into savings. USAA offers several discounts and perks for good driving in Oklahoma:

• SafePilot: When you enroll in USAA’s SafePilot program, you’ll save 10 percent right off the bat. You’ll install the SafePilot app on your phone, which tracks driving habits like acceleration, braking and phone use while driving, a form of distracted driving. You can save up to 30 percent for safe driving.
• Accident forgiveness: If you maintain a record of no at-fault accidents for five years, your first at-fault accident won’t affect your premiums.
• Good driver: A clean driving record for five years will not only earn you accident forgiveness ― you’ll also get a discount.
• Driver education: As long as you don’t have any accidents or convictions in the past three years, you can get a discount for completing an approved defensive driving or basic driver education course.

Numerous Ways to Save

USAA offers competitive baseline auto insurance rates and you can save even more by applying discounts. In addition to safe driving discounts, the following are available to USAA customers in Oklahoma:

• Bundle: Save up to 10 percent when you insure both your home and vehicle with USAA, whether you own a house or condo or you rent.
• Multivehicle: If you insure two or more vehicles with USAA, you get a discount.
• Garage vehicle on base: Located less than 10 miles from downtown Oklahoma City, the Tinker Air Force Base is one of the largest in the country. If you garage your car there or at any other military base, you’ll save 15 percent on your comprehensive coverage premiums.
• Storing vehicle: If you store your vehicle in a secure location due to deployment or another reason, you can save up to 60 percent.
• New vehicle: You get a discount on insurance for purchasing a new vehicle, and you may find additional savings by financing with a USAA auto loan.
• Good student: Drivers under age 25 who maintain at least a 3.0 GPA (B average), made the honor roll or dean’s list or rank in the top 20 percent of their class, save on premiums.

With 12.6 million auto policies written, Farmers is the smallest provider of our top four picks but still a major insurer nationally. Founded in 1928, it is one of the oldest insurance companies in the country. The NAIC gave Farmers a score of 0.79 on its Customer Complaint Index, meaning the company receives fewer customer complaints than competitors.⁶ Though Farmers’ rates tend to be higher than average nationally, its rates in Oklahoma are competitive and it offers an array of policy options.

Customizable Add-Ons

In addition to standard offerings, Farmers has options you won’t find with every other insurer,

Numerous Discounts

Farmers customers in Oklahoma are eligible for a number of discounts, including the following:

• Use the Signal app to track driving habits, with an additional young driver discount available for drivers aged 24 and younger
• Remain accident-free for five years
• Be an active-duty, active reserves, retired or honorably discharged military veteran
• Attend school more than 100 miles away from where the car is garaged
• Maintain a 3.0 GPA or higher
• Insure multiple vehicles with Farmers or bundle auto with another policy, like home or renters insurance
• Pay on time, automatically or in full
• Enroll in paperless billing
• Install a Farmers-approved device to track a stolen vehicle
• Be an employee, member or retiree of certain businesses, occupational groups or professional associations
• Share a car in a household with at least one unmarried driver up to age 20
• Be a driver under age 25 living with a parent or grandparent who has held a Farmers auto policy for at least 12 months
• Be a driver under age 29 splitting from an existing household policy on which you’ve been an active driver for at least 12 months
• Own a home, whether you insure it with Farmers or another company

Classic Car Insurance

The iconic Route 66 passes directly through Oklahoma and Oklahoma City. If you have a collectible, exotic, antique or another type of classic vehicle that you enjoy taking for scenic pleasure rides, to auto shows or around your neighborhood, Farmers offers special coverage and discounts. These include:

The most popular insurer in the country, State Farm has agents in over 45 cities in Oklahoma. The company is known for its strong customer service and low rates and it’s a particularly good choice for younger drivers. You might also consider State Farm if you own a motorcycle, recreational vehicle (RV) or electric vehicle (EV).

Discounts for Young Drivers

The cost of insuring teen and young drivers is higher than for adults. According to the most recent data from the National Highway Traffic Safety Administration, 9 percent of fatal crashes in Oklahoma involve young drivers, making it one of the most dangerous states for teen drivers in the country.⁸

State Farm offers coverage and discounts for young drivers that can lower insurance costs and keep teens safer on the road.

Motorcycle Insurance

The U.S. Department of Transportation reports that 130,000 motorcycles are registered in Oklahoma.⁹ State Farm sells motorcycle insurance, which is typically less expensive than car insurance. It offers the following coverages:

• Bodily injury and property liability
• Medical expenses and personal injury protection (PIP)
• Collision and comprehensive
• Custom parts and equipment (including attached sidecars and protective gear)
• Emergency roadside services
• Trip interruption expenses

If you’re considering purchasing a motorcycle, State Farm has a tool to see how specific models may affect your insurance costs. State Farm offers insurance for the following motorcycle types:

• Classic motorcycles
• Custom motorcycles
• Factory-built motorcycles
• Mini bikes
• Motor scooters
• Trail bikes

RV Coverage

Oklahoma is home to seven national parks, 32 state parks and numerous other outdoor recreation sites. If you enjoy traveling the outdoors in your camper or travel trailer, you can insure it with State Farm. RV insurance can cover:

• Injuries you or someone else sustains while towing the trailer (extended from towing vehicle liability coverage).
• Damage your camper sustains in an accident.
• Losses like theft, fire or vandalism — even if the trailer is in storage.
• Roadside services if you break down while traveling with the trailer.