Low-cost car insurance in Oklahoma

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Oklahoma, Progressive offers the cheapest average premium at $1,194 per year. For comparison, the statewide average monthly cost is $178, 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

Progressive has the lowest average car insurance premium in Oklahoma, costing $1,194 per year. That’s 44% the state average.
For drivers with an at-fault accident on record, Progressive offers the most affordable coverage at around $1,949 annually.
The 74082 ZIP code stands out as the cheapest area for auto insurance in Oklahoma, with an average yearly cost of $1,970.

Low-cost car insurance companies in Oklahoma

Among all insurers in Oklahoma, Progressive comes in lowest at $1,194 per year – 44% 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
Progressive	$1,194
GEICO	$1,820
State Farm	$1,861
Shelter Insurance	$2,055
AFR Insurance	$2,063
Mercury Insurance	$2,237
Allstate	$2,699
Farmers	$2,717
Oklahoma Farm Bureau	$3,295
USAA*	$1,447

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

How we choose low-cost car insurance companies in Oklahoma

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Oklahoma

In Oklahoma, drivers living in the 74082 ZIP code enjoy the lowest average annual premium at $1,970. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
74082	Vera	$1,970
74006	Bartlesville	$1,974
73703	Enid	$1,976
74061	Ramona	$1,978
73523	Altus Afb	$1,986
73552	Indiahoma	$1,992
73538	Elgin	$1,994
73541	Fletcher	$1,994
73528	Chattanooga	$1,996
74003	Bartlesville	$1,999

You might find interesting

Explore related topics

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

See rates in your city

Edmond

Tulsa

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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 $6,477 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)	$6,726
Young Adults (20-24)	$3,376
Adults (25-60)	$2,130
Seniors (65-75)	$2,060

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 $577. 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
Progressive	$1,194	$1,557	30%	$363
State Farm	$1,861	$1,959	5%	$98
Shelter Insurance	$2,055	$2,503	22%	$448
Allstate	$2,699	$2,974	10%	$275
GEICO	$1,820	$3,209	76%	$1,389
Mercury Insurance	$2,237	$3,336	49%	$1,099
Farmers	$2,717	$3,443	27%	$726
Oklahoma Farm Bureau	$3,295	$3,860	17%	$565
USAA*	$1,447	$1,785	23%	$338

*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. Progressive has the lowest average rate at $1,949 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
Progressive	$1,194	$1,949	63%	$755
State Farm	$1,861	$2,090	12%	$229
Shelter Insurance	$2,055	$2,718	32%	$663
GEICO	$1,820	$3,458	90%	$1,638
Oklahoma Farm Bureau	$3,295	$3,597	9%	$302
Allstate	$2,699	$3,675	36%	$976
Mercury Insurance	$2,237	$4,201	88%	$1,964
Farmers	$2,717	$4,311	59%	$1,594
USAA*	$1,447	$2,199	52%	$752

*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	$1,194	$1,338	$144	12%
State Farm	$1,861	$1,959	$98	5%
Mercury Insurance	$2,237	$3,103	$866	39%
Shelter Insurance	$2,055	$3,117	$1,062	52%
GEICO	$1,820	$3,465	$1,645	90%
Allstate	$2,699	$3,479	$780	29%
Farmers	$2,717	$4,950	$2,233	82%
Oklahoma Farm Bureau	$3,295	$5,179	$1,884	57%
USAA*	$1,447	$2,664	$1,217	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 $243 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 53,409,632 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.