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Last updated: April 18, 2025
Compare Cheap Auto Insurance in Oklahoma
State Farm offers the lowest car insurance rates for most driver profiles in Oklahoma — USAA is cheapest for military-affiliated drivers.
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Full coverage auto insurance in Oklahoma costs an average of $2,148 per year — 10 percent less than the national average. Meanwhile, minimum coverage costs an average of $679 annually, which is slightly more than the national average of $635.
Oklahoma is a fairly rural state, but higher average insurance rates in bigger cities like Oklahoma City bring up the state average. However, drivers in less populated areas can expect to pay less than those in urban centers.
Overview:
- Auto insurance in Oklahoma costs an average of $2,148 annually for full coverage and $679 per year for minimum coverage.
- USAA and State Farm offer the cheapest rates, on average, for most drivers in Oklahoma.
- Progressive is the cheapest for drivers with a DUI, while Shelter has the best customer service record of the companies we compared.
Jump to:
- Cheapest full coverage auto insurance in Oklahoma: USAA ($1,270 annually) and State Farm ($1,629 annually)
- Cheapest minimum coverage: USAA ($362 annually) and State Farm ($470 annually)
- Cheapest with a teen driver: USAA ($3,218 annually) and State Farm ($4,715 annually)
- Cheapest with a speeding ticket: USAA ($1,348 annually) and State Farm ($1,710 annually)
- Cheapest with an at-fault accident: State Farm ($1,826 annually) and USAA ($1,836 annually)
- Cheapest with a DUI: Progressive ($2,082 annually) and USAA ($2,335 annually)
- Cheapest with low credit: USAA ($1,956 annually) and Oklahoma Farm Bureau ($2,412 annually)
Cheapest Car Insurance in Oklahoma for Full Coverage: USAA and State Farm
For drivers who are affiliated with the military, USAA has the cheapest full coverage rates in Oklahoma at $1,270 annually, on average. That’s 41 percent below the state average. State Farm has the cheapest rates for non-military drivers, with an average annual premium of $1,629 — 24 percent cheaper than the state average.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| USAA | $1,270 | $106 |
| State Farm | $1,629 | $136 |
| Progressive | $1,850 | $154 |
| GEICO | $2,032 | $169 |
| Shelter | $2,138 | $178 |
| Oklahoma Farm Bureau | $2,464 | $205 |
| Allstate | $2,902 | $242 |
| Farmers | $3,041 | $253 |
| Oklahoma average | $2,148 | $179 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Oklahoma for Minimum Coverage: USAA and State Farm
USAA and State Farm also offer the best rates for minimum coverage at $362 per year and $470 per year, respectively. Both rates are well below the state average of $679. Progressive and GEICO also offer below-average rates for minimum coverage.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| USAA | $362 | $30 |
| State Farm | $470 | $39 |
| Progressive | $568 | $47 |
| GEICO | $596 | $50 |
| Shelter | $645 | $54 |
| Oklahoma Farm Bureau | $696 | $58 |
| Farmers | $1,069 | $89 |
| Allstate | $1,132 | $94 |
| Oklahoma average | $679 | $57 |
| National average | $635 | $53 |
Cheapest Car Insurance in Oklahoma for Teen Drivers: USAA and State Farm
USAA and State Farm offer the cheapest auto insurance rates for households with teens in Oklahoma. USAA’s average annual premium of $3,218 is well below the state average of $6,118, but it is only available to military members, veterans and their spouses and children. State Farm also offers competitive rates for non-military teen drivers at $4,715 annually, which is 46 percent below the state average.
| Provider | Annual with Teen Driver | Monthly with Teen Driver |
|---|---|---|
| USAA | $3,218 | $268 |
| State Farm | $4,715 | $393 |
| GEICO | $5,484 | $457 |
| Shelter | $5,602 | $467 |
| Oklahoma Farm Bureau | $7,102 | $592 |
| Allstate | $8,586 | $715 |
| Progressive | $8,717 | $726 |
| Farmers | $12,277 | $1,023 |
| Oklahoma average | $6,118 | $378 |
| National average | $5,327 | $444 |
FYI:
In Oklahoma, insurers may use gender as a rating factor when determining premiums. This impacts teens the most because male teens are statistically more likely to engage in risky driving and get into accidents. Households with male teens should therefore expect to pay more for auto insurance on average than those with female teens.
Cheapest Car Insurance in Oklahoma With a Speeding Ticket: USAA and State Farm
USAA and State Farm are once again the cheapest options for auto insurance for drivers with a speeding ticket in Oklahoma. At $1,348 annually, USAA’s average premium is 49 percent below the state average. State Farm’s average annual premium is next-cheapest at $1,710 and is still 35 percent below the state average.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| USAA | $1,348 | $112 |
| State Farm | $1,710 | $143 |
| Progressive | $2,093 | $174 |
| Oklahoma Farm Bureau | $2,426 | $202 |
| GEICO | $2,842 | $237 |
| Allstate | $2,857 | $238 |
| Farmers | $4,106 | $342 |
| Oklahoma average | $2,634 | $220 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Oklahoma With an At-Fault Accident: State Farm
For drivers with an at-fault accident in Oklahoma, State Farm has the cheapest rates at $1,826 per year, which is 35 percent lower than the state average. USAA has similarly affordable rates, with an average annual premium of $1,836.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| State Farm | $1,826 | $152 |
| USAA | $1,836 | $153 |
| Oklahoma Farm Bureau | $2,682 | $224 |
| Progressive | $2,927 | $244 |
| GEICO | $3,485 | $290 |
| Allstate | $3,946 | $329 |
| Farmers | $4,436 | $370 |
| Oklahoma average | $2,803 | $234 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Oklahoma With a DUI: USAA and Progressive
Progressive offers the lowest rates for Oklahoma drivers with a DUI — it was named the best auto insurance provider for drivers with a DUI in our recent rankings. In Oklahoma, it has an average annual premium of $2,082, which is 36 percent lower than the state average. USAA and State Farm also offer competitive rates.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Progressive | $2,082 | $174 |
| USAA | $2,335 | $195 |
| State Farm | $2,436 | $203 |
| Shelter | $3,183 | $265 |
| GEICO | $3,732 | $311 |
| Allstate | $3,740 | $312 |
| Oklahoma Farm Bureau | $3,823 | $319 |
| Farmers | $4,028 | $336 |
| Oklahoma average | $3,232 | $269 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Oklahoma With Low Credit: USAA and Oklahoma Farm Bureau
USAA offers the cheapest auto insurance, on average, for military-affiliated drivers in Oklahoma with low credit. Its average annual premium of $1,956 is 43 percent below the state average. Oklahoma Farm Bureau and Progressive also have affordable rates in the category at $2,412 per year and $2,728 per year, respectively.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| USAA | $1,956 | $163 |
| Oklahoma Farm Bureau | $2,412 | $201 |
| Progressive | $2,728 | $227 |
| GEICO | $3,134 | $261 |
| Shelter | $3,709 | $309 |
| Allstate | $3,754 | $313 |
| Farmers | $4,923 | $410 |
| State Farm | $5,104 | $425 |
| Oklahoma average | $3,425 | $285 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Oklahoma: Shelter
Shelter tends to have rates that are more or less in line with the state average for most driver profiles — in other words, it’s not the cheapest — but it has better customer service ratings than most competitors. It’s worth taking this into account when shopping around for car insurance. USAA and State Farm also rank well in terms of customer satisfaction.
| Provider | Central Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card Grade3 |
|---|---|---|---|
| USAA | 759 | 726 | D+ |
| Shelter | 677 | N/A | B- |
| State Farm | 647 | 710 | C- |
| Progressive | 638 | 672 | C |
| Allstate | 629 | 691 | D |
| Farmers | 622 | 706 | C- |
| GEICO | 622 | 692 | C- |
| Oklahoma Farm Bureau | N/A | N/A | N/A |
| Average | 647 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Oklahoma
- Maintain a clean record: A violation on your record, even just a speeding ticket, will cause your premiums to increase. To keep your rates as low as possible, drive safely and do your best to avoid speeding, at-fault accidents and other violations.
- Bundle policies: Most providers offer a bundling discount for getting more than one insurance policy with them. It’s usually around 25 percent off both policies, but it can be higher or lower depending on the provider. If you need another policy type, such as home or renters, get quotes for these as well when you shop around for car insurance so you can compare discounts.
- Increase deductibles: If you have full coverage, you’ll have separate deductibles for comprehensive and collision coverage. The deductible is the amount you pay out of pocket before insurance kicks in, so the lower the deductible, the more risk the insurer is taking on. Choosing no deductible will lead to a higher premium; increasing one or both deductibles can lower it. The maximum deductible is usually $2,000, but it can vary. Just make sure you can afford to pay it in case of a claim. If you’re unsure, a deductible of $1,000 usually strikes a good balance.
- Improve your credit: In Oklahoma, having a poor credit history can raise your rates by an average of 59 percent per year, which is significant. Working to improve your credit by making on-time payments and paying off debt can help you lower your insurance premiums over time.
Average Auto Insurance Cost in Oklahoma by City
The average cost of auto insurance can vary widely based on where you live, including within a state. Oklahoma City has the most expensive rates in the state at $2,371 per year, which is 10 percent higher than the state average. Meanwhile, Norman has lower rates at $2,212 per year on average, but it is still slightly above the state average.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Oklahoma City | $2,371 | $198 |
| Tulsa | $2,363 | $197 |
| Broken Arrow | $2,245 | $187 |
| Edmond | $2,243 | $187 |
| Norman | $2,212 | $184 |
| Oklahoma average | $2,148 | $179 |
Minimum Car Insurance Requirements in Oklahoma
Oklahoma state law requires drivers to carry auto insurance with the following minimum limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
These limits are pretty standard when compared to other states, but that doesn’t mean they’re sufficient. We recommend increasing your limits for more robust financial protection and opting for full coverage if you want to cover damage to your own vehicle as well.
Frequently Asked Questions
Who has the cheapest car insurance in Oklahoma?
USAA has the cheapest car insurance in Oklahoma for full coverage ($1,270 annually) and ($362 annually) minimum coverage, but it’s only available to members of the military community and their families. State Farm has the next cheapest rates at $1,629 annually for full coverage and $470 annually for minimum coverage.
Is GEICO cheaper than Progressive?
In Oklahoma, GEICO and Progressive tend to offer comparable rates for most driver profiles, with Progressive slightly edging out GEICO. The exceptions are drivers with a DUI, for whom Progressive offers much lower average rates than GEICO and teen drivers, for whom GEICO is much cheaper on average. Always get a quote from several companies as the cheapest option for you depends on many factors.
Does credit score affect car insurance?
Your credit score itself doesn’t technically affect insurance but, in Oklahoma, insurers are allowed to use your credit information when determining premiums. They calculate a credit-based insurance score, which is different from lenders checking your credit score as it’s intended to predict the risk of an insurance claim, not the risk of defaulting on a loan.
Are there any discounts available for good students in Oklahoma?
Yes, there are discounts available for good students in Oklahoma, although the amount of the discount and the availability will depend on the insurer. Good student discounts are usually available for students under 25 with at least a B average (3.0 GPA). Check with insurance companies you get quotes from to find out what they offer.
Methodology
We analyze average auto insurance premiums in Oklahoma for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study
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