Low-cost car insurance in Oklahoma

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In Oklahoma, GEICO offers the cheapest average premium at $2,066 per year. For comparison, the statewide average monthly cost is $225, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Oklahoma, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

GEICO has the lowest average car insurance premium in Oklahoma, costing $2,066 per year. That’s $639 the state average.
For drivers with an at-fault accident on record, Shelter Insurance offers the most affordable coverage at around $3,274 annually.
The 73703 ZIP code stands out as the cheapest area for auto insurance in Oklahoma, with an average yearly cost of $2,363.

Low-cost car insurance companies in Oklahoma

Among all insurers in Oklahoma, GEICO comes in lowest at $2,066 per year – $639 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Oklahoma.

Company	Average annual rates
GEICO	$2,066
Progressive	$2,341
Shelter Insurance	$2,475
AFR Insurance	$2,671
Mercury Insurance	$2,871
State Farm	$2,946
Farmers	$3,020
Allstate	$3,457
Oklahoma Farm Bureau	$3,866
USAA*	$1,542

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Oklahoma

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Oklahoma

In Oklahoma, drivers living in the 73703 ZIP code enjoy the lowest average annual premium at $2,363. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
73703	Enid	$2,363
73705	Enid	$2,410
73701	Enid	$2,418
73730	Covington	$2,420
73622	Bessie	$2,445
73620	Arapaho	$2,447
73768	Ringwood	$2,449
73738	Garber	$2,450
73527	Cache	$2,451
73077	Perry	$2,453

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Oklahoma by city

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Low-cost car insurance in Oklahoma by age

Teen drivers in Oklahoma pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $8,364 more than a 40-year-old driver in Oklahoma.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$8,815
Young Adults (20-24)	$4,346
Adults (25-60)	$2,698
Seniors (65-75)	$2,540

Low-cost car insurance in Oklahoma by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Oklahoma

A single speeding ticket in Oklahoma can push your rates up by 27%, or about $729. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Shelter Insurance	$2,475	$3,015	22%	$540
Progressive	$2,341	$3,054	30%	$713
State Farm	$2,946	$3,102	5%	$156
GEICO	$2,066	$3,643	76%	$1,577
Allstate	$3,457	$3,810	10%	$353
Farmers	$3,020	$3,827	27%	$807
Mercury Insurance	$2,871	$4,282	49%	$1,411
Oklahoma Farm Bureau	$3,866	$4,530	17%	$663
USAA*	$1,542	$1,902	23%	$360

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Oklahoma

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Shelter Insurance has the lowest average rate at $3,274 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Oklahoma with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Shelter Insurance	$2,475	$3,274	32%	$800
State Farm	$2,946	$3,308	12%	$362
Progressive	$2,341	$3,822	63%	$1,481
GEICO	$2,066	$3,924	90%	$1,858
Oklahoma Farm Bureau	$3,866	$4,220	9%	$354
Allstate	$3,457	$4,708	36%	$1,251
Farmers	$3,020	$4,791	59%	$1,771
Mercury Insurance	$2,871	$5,392	88%	$2,521
USAA*	$1,542	$2,343	52%	$801

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Oklahoma

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Oklahoma offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,341	$2,624	$283	12%
State Farm	$2,946	$3,102	$156	5%
Shelter Insurance	$2,475	$3,753	$1,279	52%
GEICO	$2,066	$3,932	$1,867	90%
Mercury Insurance	$2,871	$3,983	$1,112	39%
Allstate	$3,457	$4,457	$1,000	29%
Farmers	$3,020	$5,502	$2,482	82%
Oklahoma Farm Bureau	$3,866	$6,077	$2,211	57%
USAA*	$1,542	$2,838	$1,296	84%

*USAA is only available to military community members and their families.

Average cost of car insurance Oklahoma

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Oklahoma, the average cost of full coverage is $192 more compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Oklahoma, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Oklahoma.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Oklahoma. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.