Drivers in Oklahoma can find rates as low as $38 per month with State Farm. Compare real quotes from top companies and buy your policy all in one place.
Cheapest Car Insurance in Oklahoma: Rates, Companies, and Requirements
Oklahoma drivers pay an average of about $83 per month for liability-only car insurance and $169 per month for full coverage. Both figures are below the national averages of approximately $98 per month for liability coverage and $187 for full coverage.
Despite these relatively lower costs, Oklahoma auto insurance rates have increased in recent years. Inflation, higher material prices, and rising labor costs have contributed to premium increases across the state.
Insurance companies must submit rate changes to the Oklahoma Insurance Department (OID). However, the department does not have the authority to reject a rate simply because it considers the increase too high. Oklahoma instead relies heavily on competition among insurers to influence pricing.
The rates below are based on Oklahoma quote data from a large network of insurance providers. Your actual premium can vary significantly based on your driving record, age, location, vehicle, coverage limits, credit history, and other factors.
Cheapest Car Insurance Companies in Oklahoma
The following table shows the lowest estimated monthly rates for several common Oklahoma driver profiles.
| Driver Category | Cheapest Insurance Company | Monthly Quote |
|---|---|---|
| Overall | State Farm | $38 |
| State-minimum coverage | State Farm | $38 |
| Full coverage | State Farm | $82 |
| Clean driving record | State Farm | $38 |
| Speeding ticket | State Farm | $49 |
| At-fault accident | State Farm | $50 |
| DUI | State Farm | $51 |
| Teen/new drivers | State Farm | $74 |
| Seniors | State Farm | $31 |
| Bad credit | State Farm | $55 |
These figures are estimates based on Oklahoma quote data. Individual rates can be higher or lower depending on the driver’s profile and selected coverage.
Cheapest Liability-Only Car Insurance in Oklahoma
Oklahoma requires drivers to carry liability insurance that covers bodily injury and property damage caused to others. Driving without the required coverage can lead to criminal penalties, including fines, possible jail time, and license suspension.
Oklahoma follows an at-fault insurance system. When a driver causes an accident, that driver’s insurance generally pays for the resulting damages up to the policy limits.
The average cost of liability-only coverage in Oklahoma is approximately $83 per month. The supplied quote data shows State Farm with the lowest average monthly rate among the insurers listed.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| USAA | $47 |
| Progressive | $51 |
| Mercury | $60 |
| National General | $66 |
| The General | $66 |
| AssuranceAmerica | $75 |
| Safeco | $76 |
| GEICO | $79 |
| Farmers | $80 |
| Bristol West | $82 |
| Root | $90 |
| GAINSCO | $95 |
| Direct Auto | $103 |
| Allstate | $106 |
| Shelter | $113 |
| CSAA | $132 |
| Liberty Mutual | $138 |
Is Liability-Only Insurance Enough in Oklahoma?
Liability-only coverage may make sense for some drivers, particularly those with older vehicles that they could afford to replace themselves. However, it does not pay for damage to your own vehicle after an accident you cause.
Before choosing liability-only coverage, consider:
→ Whether you could afford to repair or replace your vehicle without insurance
→ Whether your vehicle is financed or leased
→ Whether your liability limits provide enough financial protection
→ Whether you need protection against theft, weather, vandalism, or other non-collision damage
Oklahoma’s minimum liability limits may not be enough to cover the full cost of a serious accident. Higher limits can provide additional financial protection.
Cheapest Full-Coverage Car Insurance in Oklahoma
Full coverage generally combines liability insurance with collision and comprehensive coverage.
Collision coverage can help pay for damage to your vehicle resulting from a covered collision. Comprehensive coverage can help with certain non-collision losses, including theft, vandalism, weather-related damage, and other covered events.
The average Oklahoma full-coverage premium is about $169 per month, although the supplied insurer data shows considerably lower rates for some driver profiles.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $82 |
| Progressive | $95 |
| USAA | $103 |
| Mercury | $134 |
| National General | $138 |
| AssuranceAmerica | $139 |
| Root | $146 |
| Safeco | $157 |
| GEICO | $161 |
| Farmers | $175 |
| CSAA | $177 |
| The General | $191 |
| Allstate | $194 |
| Direct Auto | $199 |
| Bristol West | $201 |
| Liberty Mutual | $230 |
| Shelter | $246 |
| GAINSCO | $273 |
Full coverage can be particularly relevant in Oklahoma because severe weather can create substantial vehicle damage. The state recorded 152 tornadoes in 2024, according to the source data.
If you have a car loan or lease, your lender may also require comprehensive and collision coverage.
Recent Oklahoma Car Insurance Quote Examples
Recent quote examples in the supplied data include:
| Insurance Company | Location | Vehicle | Coverage | Monthly Quote |
|---|---|---|---|---|
| AssuranceAmerica | Catoosa | Toyota Corolla | Liability-only | $52 |
| National General | Roland | Chevrolet Equinox | Liability-only | $53 |
| Liberty Mutual with RightTrack | Bristow | Chrysler PT Cruiser | Liability-only | $58 |
| Farmers | Oklahoma | Driver with good credit and clean record | Liability-only | $80 |
These examples are individual quote results rather than guaranteed rates. Insurance prices can change based on the driver’s specific circumstances.
Best Cheap Car Insurance Companies in Oklahoma
Insurance prices and coverage options differ among Oklahoma insurers. Comparing several companies can help you understand how much you may pay for similar coverage.
The supplied data highlights State Farm, USAA, and Allstate among the insurers discussed for Oklahoma drivers.
State Farm
The supplied Oklahoma data lists State Farm with an average liability-only quote of $38 per month and a full-coverage quote of $82 per month.
State Farm received a 4.1/5 user rating from 21,103 reviews in the supplied source, with an IQ score of 9.3/10.
Customer feedback in the source highlights positive experiences with customer service and personal attention, while some reviews mention concerns about pricing, rate increases, and claims handling.
USAA
USAA is primarily available to eligible members of the military community and their families.
The supplied data shows:
| Metric | USAA |
|---|---|
| User Reviews | 4.9/5 |
| Reviews | 4,298 |
| IQ Score | 9.1/10 |
| Liability-only | $47/mo |
| Full coverage | $103/mo |
Eligibility requirements should be confirmed directly with the insurer.
Allstate
The supplied Oklahoma data shows Allstate with average rates of approximately $106 per month for liability-only coverage and $194 per month for full coverage.
| Metric | Allstate |
|---|---|
| User Reviews | 3.8/5 |
| Reviews | 12,258 |
| IQ Score | 8.9/10 |
| Liability-only | $106/mo |
| Full coverage | $194/mo |
How Oklahoma Car Insurance Costs Have Changed
Oklahoma auto insurance premiums increased substantially between 2020 and 2023. The Oklahoma Insurance Department attributed rate pressure to inflation and rising material and labor costs.
The supplied data estimates that Oklahoma’s average annual car insurance cost reached approximately $1,971 at the end of 2025.
The source projects an additional 1.2% increase during 2026, which would bring the estimated annual premium to approximately $1,995.
Because insurance pricing changes over time, older quotes may not reflect what drivers currently pay.
Oklahoma Car Insurance Requirements
Oklahoma requires drivers to carry liability insurance with minimum limits for bodily injury and property damage.
| Coverage Type | Oklahoma Minimum |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
Oklahoma is an at-fault state, so the driver responsible for an accident can be financially responsible for the resulting damages.
Uninsured and underinsured motorist coverage is not required by Oklahoma law according to the supplied source. However, adding this coverage can provide additional protection if you are involved in an accident with an uninsured or underinsured driver.
Car Insurance Rates Across Oklahoma Cities
Where you live can have a major effect on your insurance premium. Traffic levels, accident frequency, theft, weather exposure, repair costs, and other local factors can all influence rates.
The supplied data shows Oklahoma City and Tulsa among the higher-cost locations, while some smaller cities have lower average quotes.
| City | Average Monthly Quote |
|---|---|
| Ardmore | $125 |
| Bartlesville | $106 |
| Enid | $111 |
| Lawton | $128 |
| Muskogee | $120 |
| Norman | $135 |
| Oklahoma City | $157 |
| Ponca City | $114 |
| Stillwater | $118 |
| Tulsa | $144 |
Oklahoma City and Tulsa also experience significant traffic congestion and accident activity. According to the supplied source, the two cities recorded 26,903 crashes in 2021, representing about 40% of Oklahoma’s total crashes that year.
Cheapest Car Insurance in Oklahoma for Drivers With a Clean Record
Drivers with a clean driving history generally have access to lower insurance rates than drivers with recent violations or accidents.
The supplied Oklahoma information states that insurers can generally consider only the previous three years of driving history when calculating rates. It also states that insurers cannot increase premiums after an accident that was not the driver’s fault.
For drivers with a clean record and good credit, the supplied quote data is:
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $35 |
| USAA | $44 |
| Progressive | $49 |
| Mercury | $57 |
| National General | $58 |
| The General | $60 |
| AssuranceAmerica | $63 |
| Farmers | $73 |
| GEICO | $76 |
| Bristol West | $76 |
| Safeco | $77 |
| Root | $86 |
| GAINSCO | $86 |
| Direct Auto | $94 |
| Shelter | $99 |
| Allstate | $101 |
| CSAA | $134 |
| Liberty Mutual | $138 |
Maintaining a clean record can help keep premiums lower over time.
Cheapest Car Insurance in Oklahoma After a Speeding Ticket
A speeding ticket can increase insurance costs because insurers may view traffic violations as an indicator of increased risk.
The supplied data reports that almost 4% of Oklahoma drivers have a speeding ticket and that drivers with one pay approximately $106 per month for liability coverage on average.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $49 |
| USAA | $61 |
| Progressive | $65 |
| National General | $83 |
| Mercury | $84 |
| The General | $89 |
| AssuranceAmerica | $97 |
| Safeco | $101 |
| Farmers | $103 |
| GEICO | $105 |
| Bristol West | $105 |
| Root | $108 |
| GAINSCO | $115 |
| Direct Auto | $131 |
| Allstate | $136 |
| Shelter | $151 |
| CSAA | $174 |
| Liberty Mutual | $178 |
Cheapest Car Insurance in Oklahoma After an At-Fault Accident
An at-fault accident can result in higher insurance premiums because the insurer may consider the driver to have a greater future risk of filing a claim.
The supplied data indicates that about 4% of Oklahoma drivers have an at-fault accident on their record.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| USAA | $62 |
| Progressive | $65 |
| National General | $86 |
| Mercury | $88 |
| The General | $89 |
| AssuranceAmerica | $98 |
| GEICO | $103 |
| Safeco | $104 |
| Farmers | $106 |
| Bristol West | $107 |
| Root | $111 |
| GAINSCO | $120 |
| Allstate | $135 |
| Direct Auto | $138 |
| Shelter | $152 |
| Liberty Mutual | $180 |
| CSAA | $184 |
Oklahoma insurers can increase rates after an at-fault accident, although the supplied source states that the surcharge cannot be based on the dollar amount of the claim.
Cheapest Car Insurance in Oklahoma After a DUI
A DUI can lead to significant legal and insurance consequences. The supplied source states that fewer than 1% of Oklahoma drivers have a DUI conviction.
It also reports that DUI-related fines and fees can exceed $10,000 and that a first offense may result in jail time, a fine, and license suspension.
The average liability insurance cost for Oklahoma drivers with a DUI is approximately $103 per month in the supplied data.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| USAA | $63 |
| Progressive | $63 |
| Mercury | $85 |
| The General | $85 |
| National General | $88 |
| AssuranceAmerica | $100 |
| GEICO | $106 |
| Farmers | $107 |
| Bristol West | $109 |
| Safeco | $112 |
| Root | $120 |
| GAINSCO | $127 |
| Allstate | $131 |
| Direct Auto | $137 |
| Shelter | $152 |
| CSAA | $176 |
| Liberty Mutual | $184 |
A DUI can affect insurance rates for several years, so drivers with a conviction may benefit from comparing multiple insurers rather than renewing automatically.
Cheapest Car Insurance for Teen Drivers in Oklahoma
Teen drivers generally pay substantially more for car insurance because younger drivers have less driving experience and statistically face higher crash risk.
The supplied data places the average Oklahoma teen insurance cost at approximately $156 per month.
Oklahoma allows teens to begin the graduated licensing process with a learner’s permit at age 15. The state uses a four-phase Graduated Driver License program.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $74 |
| USAA | $87 |
| Progressive | $96 |
| Mercury | $111 |
| The General | $121 |
| National General | $132 |
| Root | $138 |
| GEICO | $145 |
| Bristol West | $147 |
| AssuranceAmerica | $156 |
| Safeco | $156 |
| Farmers | $161 |
| GAINSCO | $169 |
| Allstate | $199 |
| Direct Auto | $203 |
| Shelter | $226 |
| Liberty Mutual | $245 |
| CSAA | $318 |
Parents can potentially reduce the cost of insuring a teen by comparing insurers, asking about available discounts, and considering whether adding the teen to an existing household policy is more economical.
Cheapest Car Insurance for Senior Drivers in Oklahoma
Older drivers represent a significant portion of Oklahoma’s driving population. The supplied source reports that the state’s population aged 65 and older increased by 43% between 2000 and 2020 and represented about 17% of the state’s population.
The source also mentions Oklahoma’s CarFit educational program, which helps older drivers assess vehicle fit and features such as mirrors, steering-wheel positioning, and seat-belt placement.
The average insurance cost for drivers age 60 and older is approximately $78 per month in the supplied data.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $31 |
| USAA | $40 |
| Progressive | $48 |
| Mercury | $49 |
| National General | $54 |
| The General | $59 |
| AssuranceAmerica | $61 |
| GEICO | $66 |
| Farmers | $66 |
| Safeco | $69 |
| Bristol West | $71 |
| GAINSCO | $85 |
| Shelter | $85 |
| Root | $86 |
| Direct Auto | $88 |
| Allstate | $99 |
| CSAA | $103 |
| Liberty Mutual | $120 |
Senior drivers can compare available discounts and review their coverage periodically to make sure their policy still matches their needs.
Cheapest Car Insurance in Oklahoma for Drivers With Bad Credit
Oklahoma allows insurers to consider credit information when pricing personal auto insurance. However, the supplied source states that insurers cannot deny coverage solely because of a driver’s credit information under the state’s Use of Credit Information in Personal Insurance Act.
Drivers with bad credit pay approximately $103 per month for car insurance on average according to the supplied data.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| USAA | $58 |
| Progressive | $63 |
| Mercury | $73 |
| National General | $81 |
| The General | $81 |
| AssuranceAmerica | $93 |
| Safeco | $94 |
| GEICO | $98 |
| Farmers | $99 |
| Bristol West | $101 |
| Root | $111 |
| GAINSCO | $117 |
| Direct Auto | $127 |
| Allstate | $131 |
| Shelter | $140 |
| CSAA | $163 |
| Liberty Mutual | $164 |
Improving your credit profile may help lower insurance costs over time where credit-based insurance scoring is permitted.
How to Save Money on Car Insurance in Oklahoma
Shopping around is one of the most effective ways to determine whether you’re paying a competitive rate. Two insurers can price the same driver very differently.
Consider these strategies:
→ Compare quotes from several insurance companies before purchasing or renewing a policy.
→ Maintain a clean driving record and avoid unnecessary traffic violations.
→ Ask insurers about available safe-driver, multi-policy, multi-vehicle, and other discounts.
→ Consider raising your deductible if you can comfortably afford a larger out-of-pocket expense after a covered claim.
→ Review whether you need liability-only or full coverage based on your vehicle’s value and financial situation.
→ If you finance or lease your vehicle, check your lender’s insurance requirements before reducing coverage.
→ Consider telematics or usage-based insurance if an insurer offers a program that fits your driving habits.
→ Review your policy regularly instead of automatically accepting every renewal price.
Oklahoma Car Insurance FAQs
What Are the Minimum Auto Insurance Requirements in Oklahoma?
Oklahoma requires drivers to carry at least:
→ $25,000 in bodily injury liability per person
→ $50,000 in bodily injury liability per accident
→ $25,000 in property damage liability
Driving without the required insurance can result in penalties including fines, possible jail time, and license suspension.
How Much Is Car Insurance in Oklahoma?
The supplied data puts Oklahoma’s average monthly cost at approximately $83 for liability-only coverage and $169 for full coverage.
Your personal rate may differ based on factors such as:
→ Age
→ Location
→ Driving history
→ Vehicle
→ Coverage limits
→ Deductible
→ Credit history where permitted
Is Oklahoma an At-Fault State?
Yes. Oklahoma follows an at-fault system. The driver responsible for an accident can be responsible for damages caused to other people.
Carrying only the state minimum limits may leave you exposed to additional out-of-pocket costs if damages exceed your policy limits.
Does Oklahoma Require Uninsured Motorist Coverage?
The supplied source states that Oklahoma does not require uninsured or underinsured motorist coverage.
However, the source also reports that a significant share of Oklahoma drivers may be uninsured. Adding UM/UIM coverage can therefore provide additional financial protection if you’re involved in an accident with a driver who has insufficient or no insurance.
Why Is Car Insurance Expensive in Oklahoma?
Several factors can contribute to Oklahoma insurance costs:
→ Inflation and higher repair costs
→ Rising labor and material prices
→ Severe weather and tornado activity
→ Accident frequency
→ Local traffic conditions
→ Driver history
→ Vehicle type and value
→ Coverage limits and deductibles
Final Thoughts on Cheap Car Insurance in Oklahoma
Oklahoma’s average auto insurance costs remain below the national averages in the supplied data, but premiums have increased substantially in recent years.
The lowest advertised rate is not necessarily the right policy for every driver. Coverage limits, deductibles, exclusions, customer service, claims handling, and eligibility can all affect the overall value of an insurance policy.
For Oklahoma drivers looking to reduce their premiums, the most practical approach is to compare several insurers using the same coverage limits and deductibles. Maintaining a clean driving record, checking available discounts, reviewing your coverage regularly, and choosing coverage that matches your vehicle and financial situation can also help manage costs.
Insurance rates are highly individualized, so use the figures in this guide as comparison benchmarks rather than guaranteed premiums.