Cheapest Car Insurance in Oklahoma (2022)

The cheapest car insurance companies in Oklahoma: USAA, $45 a month; Progressive, $47; and State Farm, $71.

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Progressive offers the cheapest car insurance in Oklahoma, according to a QuoteWizard survey of companies that write auto policies in the Sooner State.

Our data shows that Oklahoma drivers pay $563 per year, on average, when they buy the minimum amount of car insurance the state requires from Progressive. For a full-coverage policy, Oklahoma drivers pay an average of $1,559 per year when they purchase it from the same insurer. 

Those rates are a lot cheaper than what a typical driver in Oklahoma pays for auto insurance. Based on our research, the average driver in this state spends $974 per year on minimum coverage and $1,992 per year on full coverage.

Other insurance companies also provide affordable car insurance to Oklahomans. State Farm, Oklahoma Farm Bureau and Allstate are a few noteworthy examples, as you’ll learn in this article.

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Where can I get cheap car insurance in Oklahoma?

With rates averaging $47 per month for minimum-coverage insurance and $130 per month for full coverage, Progressive’s rates are cheaper for Oklahoma drivers than the other insurance companies in our study. 

State Farm is another cheap insurance option, charging an average of $71 per month for minimum coverage. Oklahoma Farm Bureau is close behind, charging an average of $72 per month for minimum coverage. 

If you or a family member has ties to the military, USAA offers the cheapest car insurance with an average of $45 per month for state-minimum car insurance. 

A minimum-coverage policy meets the state’s minimum insurance requirements for liability coverage. Statewide, the average rate quoted for a minimum-coverage policy is $1,675 a year, or $140 a month.

These average annual premiums are based on rate quotes gathered from Oklahoma insurers for a typical driver.

Cheapest minimum car insurance in Oklahoma
Company Monthly rate
USAA  $45
Progressive  $47
State Farm  $71
Oklahoma Farm Bureau  $72
Allstate  $80
State average $81
Farmers  $104
Shelter  $108
GEICO  $122
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A number of other insurers also offer affordable auto insurance in Oklahoma, according to our data. For instance, for those who qualify for membership, USAA’s average rate quote of $543 per year for a state-minimum policy was $2 per month less than what Progressive offered for the same amount of coverage.

The next-cheapest options for car insurance are State Farm and Oklahoma Farm Bureau, which cost about $284 and $302 more per year than Progressive for the same amount of coverage. 

USAA and State Farm offered our sample Oklahoma driver low-cost full-coverage car insurance, too.

Cheapest full-coverage car insurance in Oklahoma
Company Monthly rate
USAA  $100
Progressive  $130
State Farm  $148
Allstate  $150
Oklahoma Farm Bureau  $155
State average $166
Farmers  $181
Shelter  $204
GEICO  $260
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Specifically, the average rate quote State Farm provided for full-coverage auto insurance was around $18 per month more than what Progressive provided. Still, that figure is about $28 per month cheaper than the state average for such a policy — which usually includes liability, collision and comprehensive coverage.

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What are the best car insurance companies in Oklahoma?

Progessive and USAA offer the best car insurance rates in Oklahoma, based on our research.

Progressive: Best car insurance rates in Oklahoma

Progressive offered our sample driver the best rates for both state-minimum and full-coverage policies. That makes it the best auto insurance company in Oklahoma, in our estimation.

Progressive’s average premium of $563 per year for a state-minimum policy is $411 per year cheaper than the average cost in Oklahoma for this amount of car insurance coverage. That’s a difference of $34 per month.

For a full-coverage policy, Progressive also offered an average premium of $1,559 per year. This is $433 per year, or $36 per month, lower than the state average.

USAA: Cheapest full coverage in Oklahoma for those who qualify

USAA is another good option for cheap state-minimum car insurance in Oklahoma. The average annual premium of $543 it offered our sample driver is $431 per year, or $36 per month, cheaper than the state average for this type of policy.

USAA also offered our sample Oklahoma driver an affordable rate for full-coverage car insurance. Its average premium of $1,205 per year is $787 per year cheaper than the state average for such coverage.

Because USAA is only available to current and former military members, their spouses, and their children, it may not be an option for many Oklahoma drivers. 

Cheapest car insurance with an at-fault accident: USAA

For Oklahoma drivers with a recent at-fault accident, USAA has the cheapest rates, with $147 per month.

If you have a recent accident in your driving history, an insurance company will most likely charge you higher rates than a driver without a recent accident. 

An accident generally affects your car insurance rates for three to five years, depending on factors such as your state’s regulations, as well as the nature and severity of the accident. 

Oklahoma insurers charge 54% more on average for a driver with an accident compared to a driver with a clean record.

Cheapest car insurance with an at-fault accident
Company Monthly rate
USAA  $147
Oklahoma Farm Bureau  $170
State Farm  $197
Allstate  $210
Progressive  $213
State average $256
Farmers  $270
Shelter  $355
GEICO  $490
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance after a speeding ticket: USAA

Drivers insured by USAA receive the cheapest rates after a speeding ticket, with an annual premium of $1,520, or $127 per month. 

Oklahoma Farm Bureau has the second-cheapest rate at $1,856, which is $336 more per year than USAA, but still $642 less than the state average for drivers with a recent speeding ticket. 

Cheapest car insurance after a speeding ticket
Company Monthly rate
USAA  $127
Oklahoma Farm Bureau  $155
Allstate  $166
Progressive  $167
State Farm  $178
State average $208
Farmers  $251
Shelter  $283
GEICO  $339
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance with drivers with a DUI: Progressive

The best rates for drivers with a DUI come from Progressive, with an average annual premium of $1,747, which is $1,285 less than the state average. 

The next-cheapest company is USAA, which has an annual premium of $2,217. USAA costs $470 more than Progressive, but is still significantly less than the state average of $3,032 per year.

Cheapest car insurance after DUI
Company Monthly rate
Progressive  $146
USAA  $185
Allstate  $196
Farmers  $243
Oklahoma Farm Bureau  $249
State average $253
State Farm  $254
Shelter  $283
GEICO  $465
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare rates from top auto insurance companies

Cheap car insurance for teens and seniors in Oklahoma

In general, USAA and Allstate have the lowest car insurance rates for teens in Oklahoma, and USAA and Progressive have the lowest car insurance rates for seniors. 

Cheapest car insurance for 18-year-olds with minimum coverage: USAA

For teens in Oklahoma with minimum liability coverage, USAA and Allstate provide the lowest monthly car insurance rates.

Eighteen-year-old drivers in Oklahoma without ties to the military should get a quote from Allstate, which has the cheapest minimum coverage rate, at $232 per year - $37 less per month than the state average.

Cheapest car insurance for 18-year-olds with minimum coverage
Company Monthly rate
USAA  $115
Allstate  $232
Oklahoma Farm Bureau  $234
State Farm  $246
Progressive  $254
State average $269
Shelter  $297
GEICO  $333
Farmers  $442
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for 18-year-olds with full coverage: USAA

For teen drivers without ties to the military who are looking for full-coverage car insurance, Oklahoma Farm Bureau offers the cheapest rates at $476 per month. 

Cheapest car insurance for 18-year-olds with full coverage
Company Monthly rate
USAA  $256
OAllklahoma Farm Bureau  $476
Allstate  $487
State Farm  $516
State average $554
Shelter  $599
Progressive  $618
GEICO  $732
Farmers  $745
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for 18-year-olds with an at-fault accident: USAA

For 18-year-olds with an at-fault accident in their driving history, USAA has the lowest annual premium at $4,940, or $412 per month. 

Oklahoma Farm Bureau offers the second-cheapest rates for teens with an at-fault accident. For teens without ties to the military, Oklahoma Farm Bureau is the best option for car insurance. 

Drivers in their teens are more likely to be involved in accidents than adult drivers. A variety of factors contribute to this, including inexperience and distractions. That’s why insurance rates are typically much higher for teens than drivers in their 30s and 40s. 

Cheapest car insurance for 18-year-olds with an at-fault accident
Company Monthly rate
USAA  $412
Oklahoma Farm Bureau  $533
Allstate  $575
State Farm  $582
Progressive  $722
State average $750
Shelter  $969
Farmers  $997
GEICO  $1,212
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for 18-year-olds with a speeding ticket: USAA

USAA has the best car insurance quotes for Oklahoma teens with a speeding ticket. Teens can expect to pay an annual premium of $4,191 or $349 per month. This is significantly lower than the state average of $641 per month. 

For teens who are not eligible for USAA membership, Oklahoma Farm Bureau offers the best rates. Oklahoma Farm Bureau is $1,974 less per year than the state average, and teens can expect to pay $476 per month. 

Cheapest car insurance for 18-year-olds with a speeding ticket
Company Monthly rate
USAA  $349
Oklahoma Farm Bureau  $476
State Farm  $516
Allstate  $560
State average $641
Progressive  $663
Shelter  $763
GEICO  $868
Farmers  $930
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with minimum coverage: Progressive

For Oklahoma seniors looking for state-minimum liability coverage, Progressive offers the lowest rates. At $521 per year, Progressive is lower than the state average by $412 per year. 

 

Cheapest car insurance for seniors with minimum coverage
Company Monthly rate
Progressive  $43
USAA  $48
Oklahoma Farm Bureau  $66
State Farm  $68
State average $78
Allstate  $84
Shelter  $94
Farmers  $95
GEICO  $124
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with full coverage: USAA

USAA offers the cheapest rates for seniors looking for full liability coverage, at $101 per month - but for those ineligible for membership at USAA, Progressive offers the better option. 

Full-coverage liability auto insurance for Oklahoma senior drivers is $1,241 per year through Progressive. 

Cheapest car insurance for seniors with full coverage
Company Monthly rate
USAA  $101
Progressive  $103
State Farm  $136
Oklahoma Farm Bureau  $137
Allstate  $149
State average $149
Farmers  $154
Shelter  $172
GEICO  $242
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with an at-fault accident: Oklahoma Farm Bureau

Oklahoma Farm Bureau offers the lowest rates for seniors with an at-fault accident in their driving history. 

An at-fault accident impacts your car insurance rates for three to five years, depending on the nature and severity of the accident. 

Cheapest car insurance for seniors with an at-fault accident
Company Monthly rate
Oklahoma Farm Bureau  $150
USAA  $161
State Farm  $181
Progressive  $185
Allstate  $210
State average $235
Farmers  $244
Shelter  $297
GEICO  $448
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with a speeding ticket: USAA

If you get two or more speeding tickets in three years, your insurance rate will likely be higher than a driver with a clean record. 

USAA offers the lowest rates to drivers in Oklahoma with speeding tickets on their driving record, with a monthly rate of $127. 

Cheapest car insurance for seniors with a speeding ticket
Company Monthly rate
USAA  $127
Oklahoma Farm Bureau  $137
Progressive  $139
State Farm  $164
Allstate  $165
State average $188
Farmers  $226
Shelter  $238
GEICO  $309
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with a DUI: Progressive

For Oklahoma senior drivers with a previous DUI, Progressive offers a significantly lower rate than the state average - $119 per month, which is 94% less than the state average. 

Cheapest car insurance for seniors with a DUI
Company Monthly rate
Progressive  $119
USAA  $184
Allstate  $196
Oklahoma Farm Bureau  $220
Farmers  $220
State average $231
State Farm  $235
Shelter  $238
GEICO  $434
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What are Oklahoma’s auto insurance requirements?

State law requires Oklahoma drivers to carry a minimum of 25/50/25 liability car insurance coverage. This means all auto policies must include at least:

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

If you cause an accident, you can be held responsible for the portion of a victims’ medical bills or repair costs that exceed your insurance policy’s limits. This is why it’s recommended to select liability limits that match your net worth.

Other coverages are available on an optional basis.

Methodology

We obtained non-binding car insurance quotes for a typical driver in every Oklahoma ZIP code from Quadrant Information Services. Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

Minimum-coverage insurance rates are based on a policy meeting the state’s minimum requirements for liability coverage.

Full-coverage policies include the following coverages, limits and deductibles:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000
  • Collision coverage: $500 deductible
  • Comprehensive coverage: $500 deductible

Local Insurance Information

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