Best & Cheapest Oklahoma Car Insurance as Rated by Customers in 2020
When shopping for an Oklahoma car insurance policy, you want to make sure you get the right amount of coverage for the best price. You also want to make sure your insurance company treats its policyholders well, which is why you’ll want to read Clearsurance customer reviews before you choose a company. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Oklahoma. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Oklahoma car insurance companies.
In the table above, you can sort through all the Oklahoma car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Oklahoma car insurance rankings.
Interested in learning more about one of these Oklahoma car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- Who offers the cheapest teen car insurance rates in Oklahoma?
- Who offers the cheapest car insurance rates for a married couple in Oklahoma?
- Who offers the cheapest senior car insurance rates in Oklahoma?
- 10 Cheapest areas in Oklahoma for car insurance
- 10 Most expensive areas in Oklahoma for car insurance
- Minimum car insurance coverage and limits in Oklahoma
- Oklahoma’s uninsured motorists percentage
Who offers the cheapest teen car insurance rates in Oklahoma?
State Farm offers the the cheapest car insurance option for both female and male teen drivers in Oklahoma on average when compared with the other four largest auto insurers in the state.
| Company | Female teen rates | Male teen rates |
|---|---|---|
| Allstate Insurance | $1,497 | $1,833 |
| Farmers Insurance Group | $2,442 | $2,652 |
| Oklahoma Farm Bureau Mutual Insurance Co. | $1,052 | $1,685 |
| Progressive | $2,564 | $2,914 |
| State Farm Insurance Company | $977 | $1,151 |
These rates are based on profiles for 18-year-old male and female drivers in Oklahoma. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Oklahoma will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest car insurance rates for a married couple in Oklahoma?
Allstate offers the cheapest car insurance rates for married couples in Oklahoma on average. The table below displays Oklahoma car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.
| Company | Married couple rates |
|---|---|
| Allstate Insurance | $1,725 |
| Farmers Insurance Group | $1,885 |
| Oklahoma Farm Bureau Mutual Insurance Co. | $2,444 |
| Progressive | $4,492 |
| State Farm Insurance Company | $1,909 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oklahoma will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest senior car insurance rates in Oklahoma?
Among the five largest Oklahoma companies, State Farm provides the cheapest car insurance rates for male and female senior drivers on average.
| Company | Female senior rates | Male senior rates |
|---|---|---|
| Allstate Insurance | $1,014 | $1,066 |
| Farmers Insurance Group | $859 | $919 |
| Oklahoma Farm Bureau Mutual Insurance Co. | $1,212 | $1,212 |
| Progressive | $2,312 | $2,407 |
| State Farm Insurance Company | $850 | $850 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oklahoma will differ. Rate data is provided by Quadrant Information Services.
10 Cheapest areas in Oklahoma for car insurance
There are many factors that help determine your car insurance rates including your location. In the table below, you can see the top 10 cheapest areas in Oklahoma for car insurance based on average rates for single adults.
| Area | Car insurance rates |
|---|---|
| Elgin | $1,537 |
| Medicine Park | $1,537 |
| Indiahome | $1,542 |
| Goodwell | $1,552 |
| Kenton | $1,557 |
| Altus | $1,558 |
| Hooker | $1,559 |
| Eldorado | $1,563 |
| Enid | $1,565 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oklahoma will differ. Rate data is provided by Quadrant Information Services.
10 Most expensive areas in Oklahoma for car insurance
Oklahoma car insurance rates vary based on your location. The table below displays the top 10 most expensive areas in Oklahoma for car insurance based on average rates for a single adult.
| Area | Car insurance rates |
|---|---|
| Tulsa | $1,921 |
| Oklahoma City | $1,891 |
| Glenpool | $1,861 |
| Wheatland | $1,848 |
| Bethany | $1,845 |
| Spencer | $1,843 |
| Macomb | $1,831 |
| Finley | $1,830 |
| Broken Arrow | $1,828 |
| Piedmont | $1,826 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oklahoma will differ. Rate data is provided by Quadrant Information Services.
Minimum car insurance coverage and limits in Oklahoma
Oklahoma requires drivers to purchase bodily injury and property damage liability insurance. The state’s required minimums for these coverages are listed below, but it’s important to consider purchasing higher limits. It’s likely that these minimums would not provide sufficient coverage in a serious accident.
In addition to these required coverages, Oklahoma drivers can opt for additional coverages, such as collision, comprehensive and medical payments.
Oklahoma state minimum requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $25,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Oklahoma’s uninsured motorist percentage
Another optional coverage in Oklahoma is uninsured motorist coverage, which protects you in the event an uninsured driver is at fault in an accident. In Oklahoma, 10.5 percent of drivers are uninsured, according to 2015 data from the Insurance Information Institute.
How car insurance rates are calculated in Oklahoma
When searching and comparing quotes from the best auto insurance companies in Oklahoma, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How to save money on your car insurance in Oklahoma
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Oklahoma car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How Clearsurance rates and ranks the best car insurance companies in Oklahoma
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Car insurance guide
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.