Best and Cheapest Car Insurance in Oklahoma (Your Guide to the Top 10 Companies for 2024)
The top pick overall for the best and cheapest car insurance in Oklahoma is USAA, with State Farm and Travelers also offering competitive rates.
When shopping for an Oklahoma car insurance policy, it's crucial to get the right amount of coverage at the best price, and these top providers excel in both affordability and customer satisfaction. To broaden your understanding, explore our comprehensive resource on insurance coverage titled "Will My Insurance Policy Cover My Claim."
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $22 | A++ | Military Drivers | USAA |
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#2 | $29 | B | Agency Network | State Farm |
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#3 | $34 | A++ | Bundling Policies | Travelers |
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#4 | $35 | A++ | Low Rates | Geico |
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#5 | $36 | A+ | Coverage Options | Progressive |
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#6 | $38 | A | Claims Service | American Family |
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#7 | $40 | A+ | Multi-Policy Savings | Nationwide |
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#8 | $44 | A+ | UBI Discount | Allstate |
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#9 | $45 | A | Safety Discounts | Farmers |
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#10 | $60 | A | Comprehensive Policies | Liberty Mutual |
With thousands of unbiased reviews, Clearsurance helps you evaluate and compare the best car insurance companies in Oklahoma, ensuring you select a provider that meets your needs.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code above.
What You Should Know
- USAA is the top pick for quality and affordability in Oklahoma
- Find the right coverage and read unbiased reviews from Oklahoma policyholders
- Compare rates for the best and cheapest car insurance in Oklahoma starting at $22/month
On this page:
- USAA: Top Overall Pick
- State Farm: Best for Agency Network
- Travelers: Best for Bundling Policies
- Geico: Best for Low Rates
- Progressive: Best for Coverage Options
- American Family: Best for Claims Service
- Nationwide: Best for Multi-Policy Savings
- Allstate: Best for UBI Discount
- Farmers: Best for Safety Discounts
- Liberty Mutual: Best for Comprehensive Policies
- Top Car Insurance Providers Ranked by Minimum and Full Coverage Costs
- Cheapest Teen Car Insurance Rates in Oklahoma
- Cheapest Car Insurance Rates for a Married Couple in Oklahoma
- Cheapest Senior Car Insurance Rates in Oklahoma
- Cheapest Areas in Oklahoma for Car Insurance
- Most Expensive Areas in Oklahoma for Car Insurance
- Minimum Car Insurance Coverage Requirements or Limits in Oklahoma
- Oklahoma’s Uninsured Motorist Percentage
- Understanding Car Insurance Rate Calculations in Oklahoma
- Top Strategies to Save Money on Your Car Insurance in Oklahoma
- Evaluating the Best Car Insurance Companies in Oklahoma
- Ultimate Guide to Affordable Car Insurance in Oklahoma
#1 – USAA: Top Overall Pick
Pros
- Affordable Rates: USAA offers some of the best and cheapest car insurance rates in Oklahoma, starting at $22/month.
- Excellent Customer Service: USAA customer reviews highlight the company's outstanding customer service and support in Oklahoma.
- Comprehensive Coverage Options: Offers a wide range of coverage options to meet the diverse needs of Oklahoma drivers.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families, limiting access for some Oklahoma residents.
- Limited Local Offices: Fewer physical locations in Oklahoma compared to other insurers, which may be inconvenient for some customers.
#2 – State Farm: Best for Agency Network
Pros
- Competitive Rates for Teens: State Farm insurance customer reviews highlight that State Farm provides some of the most affordable rates for teen drivers in Oklahoma.
- Wide Availability: Numerous local agents and offices throughout Oklahoma for personalized service.
- Comprehensive Coverage Options: Provides extensive coverage choices to cater to the needs of Oklahoma drivers.
Cons
- Higher Rates for Some Drivers: Rates may be higher for drivers with poor credit or driving records in Oklahoma.
- Mixed Customer Service Reviews: Customer service experiences can vary widely across different offices in Oklahoma.
#3 – Travelers: Best for Bundling Policies
Pros
- Competitive Rates: Travelers offers some of the best and cheapest car insurance rates in Oklahoma, making it an affordable option for many.
- Flexible Coverage Options: Travelers Companies, Inc. customer reviews highlight that the company offers a range of customizable coverage options designed to meet the unique needs of drivers in Oklahoma.
- Strong Financial Stability: Highly rated for financial stability, ensuring claims are paid promptly and reliably.
Cons
- Average Claims Processing: Some customers report that claims processing times can be slower compared to other insurers in Oklahoma.
- Limited Local Agents: Fewer local agents available in some areas of Oklahoma, which might be a drawback for those preferring in-person service.
#4 – Geico: Best for Low Rates
Pros
- Affordable Rates: Known for offering some of the cheapest car insurance rates in Oklahoma, making it a popular choice for budget-conscious drivers.
- Strong Online Tools: Excellent online and mobile tools for easy policy management and claims filing, ideal for tech-savvy Oklahoma drivers.
- Multiple Discounts: Offers numerous discounts, including good driver and military discounts, which are beneficial for many in Oklahoma. To gain further insights, consult our comprehensive guide titled "What Is Considered a Clean Driving Record?"
Cons
- Limited Coverage Options: Fewer coverage options compared to some competitors, which might not meet all the needs of Oklahoma drivers.
- Average Customer Support: Customer support can be hit or miss, with some Oklahoma customers reporting less satisfactory interactions.
#5 – Progressive: Best for Coverage Options
Pros
- Competitive Rates: Progressive insurance customer reviews highlight that Progressive offers some of the most competitive and affordable car insurance rates in Oklahoma.
- Comprehensive Coverage Options: Progressive provides a wide range of coverage options to suit various needs.
- Discounts: Multiple discounts available, including multi-policy, safe driver, and good student discounts.
Cons
- Claims Satisfaction: Some Oklahoma customers report slower claims processing times.
- Online-Only Quotes: Progressive primarily provides quotes online, which may not be preferred by all Oklahoma residents.
#6 – American Family: Best for Claims Service
Pros
- Strong Customer Service: American Family insurance customer ratings highlight their outstanding customer service in Oklahoma.
- Customizable Policies: Offers customizable insurance policies to fit the specific needs of Oklahoma drivers.
- Teen Safe Driver Program: Special programs to help reduce rates for teen drivers in Oklahoma.
Cons
- Higher Premiums: May have higher premiums compared to other options for car insurance in Oklahoma.
- Limited Online Services: Fewer online services and tools compared to competitors, which may be inconvenient.
#7 – Nationwide: Best for Multi-Policy Savings
Pros
- Competitive Rates: Nationwide offers some of the best and cheapest car insurance rates in Oklahoma.
- Discount Opportunities: Nationwide customer reviews highlight various discounts, such as those for having multiple policies and for safe driving.
- Comprehensive Coverage Options: Offers a wide range of coverage options, including roadside assistance and accident forgiveness.
Cons
- Higher Premiums for High-Risk Drivers: Rates can be higher for drivers with poor credit or driving records.
- Mixed Customer Reviews: Some customers report issues with claim handling and customer service.
#8 – Allstate: Best for UBI Discount
Pros
- Affordable Rates for Married Couples: Allstate customer reviews indicate that Allstate provides the most affordable car insurance rates for married couples in Oklahoma.
- Good Coverage for High-Risk Drivers: Provides comprehensive coverage options for high-risk drivers in Oklahoma.
- Wide Network of Local Agents: Strong presence in Oklahoma with many local agents available.
Cons
- Higher Rates for Young Drivers: Premiums can be more expensive for young drivers in Oklahoma.
- Average Customer Service: Customer service quality varies, with some customers experiencing slow response times.
#9 – Farmers: Best for Safety Discounts
Pros
- Wide Range of Coverage Options: Farmers insurance customer reviews highlight the range of coverage options available, designed to meet the diverse needs of Oklahomans.
- Strong Customer Service: Known for excellent customer service, ensuring smooth claims processes for Oklahoma residents.
- Discounts: Multiple discount opportunities, including good driver and multi-policy discounts, help save money in Oklahoma.
Cons
- Higher Premiums: Farmers’ premiums can be higher than average, affecting affordability for some in Oklahoma.
- Limited Online Tools: Some customers find the online tools and resources lacking compared to other insurers in Oklahoma.
#10 – Liberty Mutual: Best for Comprehensive Policies
Pros
- Competitive Rates: Liberty Mutual insurance customer reviews highlight competitive rates for both the best and cheapest car insurance options in Oklahoma.
- Comprehensive Coverage: A wide range of coverage options, including accident forgiveness and new car replacement, caters to Oklahoma drivers.
- Local Presence: Strong local presence with agents available throughout Oklahoma for personalized service.
Cons
- Mixed Customer Reviews: Customer service experiences can vary, with some Oklahoma customers reporting dissatisfaction.
- Limited Availability of Certain Discounts: Some discounts may not be available to all Oklahoma drivers, depending on individual circumstances.
Top Car Insurance Providers Ranked by Minimum and Full Coverage Costs
Discover the top car insurance providers based on their affordability for both minimum and full coverage policies. This ranking highlights insurers that offer the best value, helping you find cost-effective options tailored to your coverage needs. Whether you're looking for the most basic protection or comprehensive coverage, this guide ensures you make an informed decision. For a comprehensive analysis, refer to our detailed guide titled "Identity Theft Insurance: What Is It and Do You Need It?"
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $44 | $135 |
| American Family | $38 | $118 |
| Farmers | $45 | $136 |
| Geico | $35 | $109 |
| Liberty Mutual | $60 | $184 |
| Nationwide | $40 | $122 |
| Progressive | $36 | $110 |
| State Farm | $29 | $91 |
| Travelers | $34 | $105 |
| USAA | $22 | $68 |
This table compares the monthly premiums for minimum and full coverage car insurance from various major providers. State Farm offers the lowest minimum coverage at $29 per month, while USAA provides the most affordable full coverage at $68 per month. Liberty Mutual has the highest rates, with $60 for minimum coverage and $184 for full coverage. This comparison highlights significant cost differences among insurers, helping consumers make informed decisions when choosing their car insurance provider.
This table provides a comprehensive overview of the discounts offered by major car insurance providers in Oklahoma. It highlights the variety of ways customers can save on their premiums, from safe driving incentives to multi-policy discounts. Each insurer's unique programs are listed to help you easily compare and find the best deals available.
Cheapest Teen Car Insurance Rates in Oklahoma
USAA offers the best and cheapest car insurance option for both female and male teen drivers in Oklahoma on average when compared with the other largest auto insurers in the state.
The table below provides a detailed comparison of monthly car insurance rates for 18-year-old male and female drivers in Oklahoma, showcasing the cheapest available options from various insurance companies. The data highlights how premiums vary between genders and insurers, offering insights into which companies provide the most affordable rates for young drivers in this demographic.
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $176 | $162 |
| American Family | $114 | $154 |
| Farmers | $238 | $244 |
| Geico | $102 | $110 |
| Liberty Mutual | $178 | $195 |
| Nationwide | $118 | $151 |
| Progressive | $245 | $277 |
| State Farm | $77 | $97 |
| Travelers | $206 | $288 |
| USAA | $78 | $86 |
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.
Cheapest Car Insurance Rates for a Married Couple in Oklahoma
USAA 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. Check out our ranking of the top providers: Best Car Insurance Companies for Married Couples
This table provides a detailed comparison of monthly car insurance rates for a married couple in Oklahoma. The data considers several factors, such as the couple's age, driving history, and credit score, to reflect realistic insurance costs from different providers.
| Insurance Company | Rates |
|---|---|
| Allstate | $51 |
| American Family | $48 |
| Farmers | $57 |
| Geico | $33 |
| Liberty Mutual | $64 |
| Nationwide | $51 |
| Progressive | $51 |
| State Farm | $37 |
| Travelers | $40 |
| USAA | $32 |
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 one driving incident within the past three 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.
Cheapest Senior Car Insurance Rates in Oklahoma
Among the other largest Oklahoma companies, State Farm provides the cheapest car insurance rates for male and female senior drivers on average. For detailed information, refer to our comprehensive report titled "Ways to Save on Senior Driver Car Insurance."
The table below provides a detailed comparison of the cheapest monthly car insurance rates for seniors in Oklahoma, specifically for both male and female drivers aged 65. This data allows us to evaluate how different insurance companies price their policies for older drivers, offering a comprehensive view of the most affordable options.
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $43 | $43 |
| American Family | $37 | $38 |
| Farmers | $44 | $43 |
| Geico | $32 | $35 |
| Liberty Mutual | $56 | $59 |
| Nationwide | $38 | $39 |
| Progressive | $37 | $35 |
| State Farm | $29 | $29 |
| Travelers | $33 | $33 |
| USAA | $22 | $22 |
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.
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. To enhance your understanding, explore our comprehensive resource on insurance titled "Why Is Car insurance So Expensive?"
The table showcases the monthly car insurance rates for different cities in Oklahoma, with rates reflecting a comprehensive analysis of key demographics including the driver's age, driving history, and credit score, which collectively influence the insurance premiums.
| City | Rates |
|---|---|
| State College | $81 |
| Mingoville | $81 |
| Bellefonte | $81 |
| Milesburg | $82 |
| Walnut Bottom | $82 |
| Blanchard | $82 |
| White Deer | $82 |
| University Park | $82 |
| Julian | $82 |
| Paxtonville | $82 |
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 one driving incident within the past three 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.
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. For a comprehensive overview, explore our detailed resource titled "Top Ways Customers Have Saved Money on Car Insurance Rates."
The table below provides a comprehensive overview of monthly car insurance rates in various cities in Oklahoma. It highlights the most expensive areas for car insurance, taking into account are the population density, local crime rates, and average income levels. These factors significantly influence the variation in insurance costs across different regions.
| City | Rates |
|---|---|
| Philadelphia | $174 |
| Lansdowne | $156 |
| Upper Darby | $153 |
| Sharon Hill | $152 |
| Darby | $152 |
| Cheltenham | $140 |
| Chester | $139 |
| Folcroft | $137 |
| Bryn Athyn | $136 |
| Huntingdon Valley | $134 |
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 one driving incident within the past three 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 Requirements or 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:
Here is a list of Oklahoma's minimum coverage requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage.
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.
By purchasing uninsured or underinsured motorist coverage, even if you're in an at-fault crash, you'll still have financial protection because of your coverage, even if they don't have any. So rather than the compensation coming out of your own pocket, you'll be able to file a claim for it instead.
Understanding Car Insurance Rate Calculations 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:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car’s Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
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? To gain profound insights, consult our extensive guide titled "Steps to Take After a Car Accident."
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.
Top Strategies 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 five ways you may be able to lower your car insurance rates:
- Bundle Policies
- Raise Deductibles
- Pay in Full
- Try Usage-Based Insurance
- Shop for Better Rates
Don't be afraid to comparison shop. There are plenty of comparison sites out there with interactive tools that can outline the best options for you in terms of what coverage levels you'll need. There's an entire universe of companies out there, all with their own ways in which they calculate coverage rates, so getting a broader view of rates can be financially beneficial.
Going with the cheapest option may not provide you with the minimum limits required by your state. Make sure that you not only look for affordable options, but also a coverage policy that will keep you safe, both financially and while you're behind the wheel. To expand your knowledge, refer to our comprehensive handbook titled "Top 10 American States (United States) With the Highest Car Insurance Claim Satisfaction Rates."
Evaluating 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. Customers are not only interested in the lowest rates, but also what sort of financial responsibility a company has. Since there is such a wide range of insurers, consumers can stand to be competitive.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. For a thorough understanding, refer to our detailed analysis titled "When to File a Car Insurance Claim."
Ultimate Guide to Affordable Car Insurance in Oklahoma
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must in order to end up with the best and most affordable options. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? What's included with personal injury protection? 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. We hold ourselves to high editorial standards, which is why we use customer reviews — to give you the best information possible regarding each auto insurance carrier we review.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool below to see affordable car insurance quotes.
Frequently Asked Questions
Does Oklahoma have cheap car insurance?
Drivers with safe driving histories pay about $43 per month or $516 per year for minimum liability coverage in Oklahoma, which is among some of the cheapest rates in the nation. The cheapest providers for minimum coverage in the Sooner State are USAA, American Farmers & Ranchers and State Farm.
How much is car insurance per month in Oklahoma?
In Oklahoma, the average monthly cost for a state minimum coverage car insurance policy is $38, while that for full coverage is $96. These amounts indicate affordable options for basic or comprehensive protection.
What type of car insurance is cheapest?
Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circumstances.
What is the average cost of a car in Oklahoma?
The average cost for a new car is about $47,000, with the average monthly payment being more than $700. The average interest rate for a new car is more than 7 percent, and nearly 12 percent for a used one. Insurance payments have also risen 22 percent since last year.
What is full coverage insurance in Oklahoma?
Full coverage car insurance in Oklahoma usually includes liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and may offer additional protection like personal injury protection (PIP) and medical payments coverage.
At what age is car insurance cheapest?
Car insurance is the cheapest for drivers between the ages of 35 and 55. Car insurance is very expensive for teens because they have a high risk of accidents, and then it decreases sharply as drivers age into their 20s and develop more reliable driving habits.
What is the least amount of car insurance you need?
The minimum amount of car insurance you'll typically need is state-required liability coverage. This allows you to pay for some, if not all, injuries and damages you're liable for in an accident. The most commonly required liability limits are $25,000/$50,000/$25,000, which mean: $25,000 in bodily injury per person.
Does insurance follow the car or the driver in Oklahoma?
In Oklahoma, and most states, the car owner's liability insurance also follows the car as long as the owner gave the driver permission to drive. If the owner failed to obtain liability insurance, the driver is required by law to carry liability insurance.
At what age is car insurance most expensive?
Young drivers (16-24) As a result, car insurance companies view young drivers as the most risky to insure. Drivers ages 16 to 24 tend to face the highest premiums compared to other age groups.
What is premium insurance?
An insurance premium is the amount you pay to your insurer regularly to keep a policy in force. You may be able to pay premiums monthly, quarterly, every six months or annually, depending on your insurance company and your specific policy.