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 cheapest average premium in Oklahoma, coming in at $2,066 per year – about $639 compared to the state average.
For drivers with an at-fault accident on their record, Shelter Insurance offers the lowest rates, with annual costs averaging $3,274.
The 73703 ZIP code is the least expensive area in Oklahoma for car insurance, with an average yearly premium 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

Teenagers pay significantly more for car insurance than adults in Oklahoma. For instance, a 16-year-old driver pays $8,364 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Oklahoma.

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

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Oklahoma

One speeding ticket in Oklahoma can cause your insurance rates to jump by 27%, or roughly $729 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even 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

Shelter Insurance offers the lowest car insurance rates to drivers after an at-fault accident at $3,274 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one 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

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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Oklahoma, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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.