Low-cost car insurance in Oklahoma

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Drivers in Oklahoma can find the cheapest average premium with GEICO, at $2,066 per year. By comparison, the statewide average monthly cost is $225. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Oklahoma requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Oklahoma, depending on your situation.

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

GEICO offers the lowest car insurance rates in Oklahoma, with an average annual premium of $2,066 per year. It’s $639 less expensive than the average car insurance cost in Oklahoma. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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

Young drivers often face the highest premiums. In Oklahoma, for example, a 16-year-old pays $8,364 more than a 40-year-old driver.

The table below shows how rates change by age group.

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

Just one speeding ticket in Oklahoma can raise your rates by 27% – $729 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Oklahoma keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

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

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Oklahoma is $192 more than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Oklahoma, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

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 violations 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.