The Best Car Insurance in Oklahoma

Progressive leads Oklahoma's car insurance market, offering the best rates and service. Mercury, GEICO, State Farm and Shelter Insurance follow closely.

Find the best car insurance for you in Oklahoma today.

Written by Mark Fitzpatrick

Updated: December 29, 2025

Advertising & Editorial Disclosure

Quick Take: What Is the Best Car Insurance for Oklahoma Drivers?

Best Overall and Best for Young Drivers or Those With a Violation: Progressive, 4.98/5 stars
Progressive leads Oklahoma with perfect affordability and customer experience scores (5/5 each). Full coverage costs $96 monthly and minimum coverage costs $29 monthly. Young drivers pay $262 monthly and drivers with DUI pay $118 monthly. Coverage options rank second (4.8/5) for comprehensive protection. Read more

Best Cheap for Drivers With Bad Credit or Low Income: American Farmers & Ranchers, 4.2/5 stars

American Farmers & Ranchers ranks sixth overall but serves rural Oklahoma drivers with bad credit or limited income. Full coverage costs $121 monthly and minimum coverage costs $38 monthly. The company achieves strong affordability ratings (4.6/5) with specialized underwriting considering factors beyond credit scores. Local agents understand agricultural operations and rural risks. Read more

Best Car Insurance Companies in Oklahoma

Progressive ranks first in Oklahoma with perfect affordability and customer experience ratings (5/5 each) at $62 monthly. Mercury places second with strong affordability (4.8/5) at $74 monthly. GEICO finishes third with competitive rates at $73 monthly. The table shows top-rated car insurance company scores in Oklahoma based on affordability, customer experience and coverage options:


Progressive	4.98	$62	1	2
Mercury Insurance	4.55	$74	4	5
Geico	4.44	$73	5	6
State Farm	4.35	$86	3	6
Shelter Insurance	4.24	$84	8	3

Best Car Insurance in Oklahoma by Driver Profile

Oklahoma car insurance matches driver profile with insurer. Progressive wins nine of 10 driver categories. Farm Bureau takes the top spot for one category.

Best for Young Drivers (16 to 25): Progressive. Young drivers pay $262 monthly for full coverage and $96 for minimum coverage with Progressive. Family plan discounts cut costs 15% to 25% when adding teens to parent policies. Accident forgiveness programs protect new drivers from rate spikes.
Best for Senior Drivers (65+): Progressive. Seniors pay $96 monthly for full coverage and $38 for minimum coverage with Progressive. Age-specific discounts and defensive driving course credits reduce premiums up to 10%. Accident forgiveness protects seniors from rate increases after minor incidents.
Best With an At-Fault Accident: Progressive. Progressive charges $155 monthly for full coverage after an accident versus immediate rate increases from other insurers. Accident forgiveness prevents first-accident penalties. The protection saves hundreds annually while rebuilding driving records.
Best With a Speeding Ticket: Progressive. Progressive charges $134 monthly with a speeding ticket, applying smaller penalties than competitors raising rates 50% or more. Point reduction programs clean up records faster than waiting for violations to age off.
Best With Bad Credit: Progressive. Progressive charges $305 monthly for drivers with bad credit versus higher rates at credit-heavy insurers. The company weighs credit factors less when setting rates. Dramatic rate decreases appear as credit improves compared to Oklahoma competitors.


Young Drivers	Progressive	3	1	2
Adult Drivers	Progressive	1	1	2
Senior Drivers	Progressive	1	1	2
Drivers With An Accident	Progressive	3	1	2
Drivers With A DUI	Progressive	1	1	2
Drivers With A Speeding Ticket	Progressive	1	1	2
Drivers With Bad Credit	Progressive	6	1	2
Drivers With Low Income	Farm Bureau	4	2	7
Drivers With Newer Cars	Progressive	1	1	2
Drivers With Old Cars	Progressive	1	1	2

Best Oklahoma Car Insurance Reviews

MoneyGeek evaluated car insurance providers statewide and identified Progressive and American Farmers & Ranchers as the leading options. Each company serves different driver needs best. Our comprehensive analysis examines coverage options, pricing, customer service quality and claims handling for both top-rated insurers:

Best Overall for Oklahoma: Progressive

Progressive

Best Customer Experience and Coverage Options in Oklahoma

MoneyGeek Rating

5.0/ 5

5/5Affordability

5/5Customer Experience

4.8/5Coverage Points

Average Monthly Full Coverage Cost
$96
Average Monthly Minimum Coverage Cost
$29
Agent Service Score
4.3/5
Most Unique Coverage Add-On
Pet Injury Coverage

pros
- Ranks first overall among Oklahoma insurers
- Best option for drivers with violations or tickets
- Leading digital tools including mobile app claims processing
- Snapshot program rewards safe driving with potential discounts
cons
- Limited local agent presence in rural Oklahoma areas
- Basic roadside assistance requires upgrades for comprehensive coverage
Progressive ranks first among Oklahoma insurers with a perfect 5.0 score. The company achieves perfect affordability and customer experience ratings (5/5 each). Young drivers pay $262 monthly and drivers with violations pay $118 to $155 monthly, both significantly below competitors. The Snapshot telematics program rewards safe driving with meaningful discounts. The mobile app provides same-day claims decisions without requiring adjuster calls.
Progressive leads Oklahoma in affordability at $96 monthly for full coverage and $29 for minimum coverage. Young drivers pay $262 monthly and drivers with accidents pay $155 monthly, both representing significant savings compared to competitors.

Progressive offers substantial savings through the Snapshot program, reducing rates up to 30% for safe drivers. Multi-policy bundling provides 12% to 25% discounts when combined with home insurance. Paperless billing and automatic payments add small additional savings.
Progressive achieves a perfect 5.0 customer experience rating in Oklahoma. The mobile app receives high marks for claims handling and policy management. Instant photo uploads, same-day claim decisions and no required adjuster phone calls streamline most claims.

The 24/7 support and strong digital tools handle Oklahoma's weather-related claims efficiently during tornado season and severe storms. Wait times are minimal compared to competitors. The local claims network provides faster resolution during high-volume periods.
Progressive offers coverage beyond standard liability, collision and comprehensive protection, including gap insurance, pet injury coverage, custom parts coverage and roadside assistance. Flexible policy customization lets drivers build coverage tailored to specific needs.

For Oklahoma drivers, comprehensive coverage addresses severe weather events like hail storms and tornadoes frequently impacting the state. Coverage excludes commercial use for independent contractors and business interruption. Drivers using vehicles for work should verify coverage needs.

Best for Bad Credit and Low Income: American Farmers & Ranchers

American Farmers & Ranchers

Best Cheap Car Insurance in Oklahoma

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

4/5Customer Experience

2.5/5Coverage Points

Average Monthly Full Coverage Cost
$121
Average Monthly Minimum Coverage Cost
$38
Agent Service Score
3.8/5
Most Unique Coverage Add-On
Livestock Coverage

pros
- Specializes in rural and agricultural vehicle coverage needs
- Strong regional presence with Oklahoma-focused service approach
- Competitive rates for farm and ranch vehicle insurance
- Local agents understand rural driving conditions and risks
cons
- Limited digital tools compared to major national carriers
- Fewer coverage options for urban Oklahoma drivers
- Restricted nationwide coverage for frequent travelers
American Farmers & Ranchers ranks sixth among Oklahoma insurers but serves rural communities and drivers with bad credit or low income. The company achieves strong affordability ratings (4.6/5) at $121 monthly for full coverage and $38 for minimum coverage. Flexible underwriting considers factors beyond credit scores, including employment stability and community ties. Local agents understand agricultural operations and rural driving conditions absent from urban-focused insurers.
American Farmers & Ranchers targets cost-conscious drivers with poor credit or limited income facing higher premiums elsewhere. The focus on rural and agricultural communities allows competitive monthly rates for drivers who may not qualify for standard pricing with major carriers.

Specialized underwriting considers factors beyond credit scores, including employment stability and community ties. This approach helps drivers with bad credit access affordable coverage while building better insurance history over time.
American Farmers & Ranchers emphasizes personal relationships and local service through independent agents across rural Oklahoma. The smaller scale allows individualized attention during claims processing, particularly for agricultural equipment and rural property damage. Agents understand Oklahoma's weather risks including hail, tornadoes and flooding frequently impacting rural areas. Limited digital tools compared to larger carriers suit customers preferring direct agent relationships over app-based service.
American Farmers & Ranchers offers standard liability, collision and comprehensive coverage with add-ons tailored to rural Oklahoma drivers. Policies include farm equipment coverage, livestock transportation protection and enhanced coverage for agricultural vehicles that standard carriers often exclude. Flexible payment options and coverage limits suit drivers on tight budgets.

Coverage options address Oklahoma's severe weather damage and rural theft concerns. Understanding of agricultural operations provides appropriate coverage for drivers using vehicles for both personal and farm-related activities.

Rates at the Best Car Insurance Companies in Oklahoma

Oklahoma drivers find rates below state averages of $52 for minimum coverage and $133 for full coverage. Progressive offers the lowest premiums at $96 for full coverage and $29 for minimum. GEICO places second at $106 monthly and Mercury third at $109 monthly for full coverage. Learn more about average auto insurance costs in Oklahoma.


Progressive	$96	$29
Geico	$106	$41
Mercury Insurance	$109	$39
Shelter Insurance	$119	$50
American Farmers & Ranchers	$121	$38
State Farm	$133	$39

Oklahoma car insurance rates fluctuate based on individual driver profile. Clean records and middle-aged drivers secure the most affordable premiums, while violations and poor credit increase costs significantly. Top insurers excel in different areas for specific driver categories. Compare your profile to find your best rate in Oklahoma.


Adult Drivers	Progressive	$89	$28
Drivers With Old Cars	Progressive	$91	$27
Senior Drivers	Progressive	$96	$38
Drivers With Newer Cars	Progressive	$112	$33
Drivers With A DUI	Progressive	$118	$36
Drivers With A Speeding Ticket	Progressive	$134	$40
Drivers With An Accident	Progressive	$155	$50
Drivers With Low Income	Farm Bureau	$157	$62
Young Drivers	Progressive	$262	$96
Drivers With Bad Credit	Progressive	$305	$112

How to Find the Best Car Insurance in Oklahoma

Finding optimal car insurance in Oklahoma means evaluating coverage protecting against the state's weather and road risks while securing competitive rates.

1
Choose Adequate Coverage
- Oklahoma minimum requirements: $25,000 per person bodily injury liability, $50,000 per accident, $25,000 property damage. State minimums satisfy legal requirements but won't protect you adequately in serious crashes.
- Most Oklahoma drivers need 100/300/100 coverage: $100,000 in liability protection shields wages and assets, while comprehensive and collision coverage handles tornado damage, hail storms, theft and at-fault accidents. Add uninsured motorist coverage since 13% of Oklahoma drivers lack insurance. Learn more about how much coverage you need.
2
Secure Better Rates
- Assess multiple quotes: Comparing at least three quotes reveals which Oklahoma insurer offers your best rate since pricing varies substantially for identical coverage. See the cheapest companies in Oklahoma.
- Adjust your risk profile: Oklahoma-approved defensive driving courses earn discounts, and addressing violations quickly reduces long-term rate impacts. Improving your credit score can cut premiums up to 70%.
- Compile discount opportunities: Good driver savings (10% to 20%) stack with multi-car discounts (10% to 25%), paperless billing (3% to 5%) and automatic payments (2% to 5%). Bundling home and auto insurance adds another 15% to 25% off.

Best Auto Insurance in Oklahoma: FAQ

Below, our insurance experts tackle frequently asked questions about securing affordable car coverage in the Sooner State:

What's the best comprehensive deductible for Oklahoma drivers?

Oklahoma drivers should consider a $500 or $750 comprehensive deductible over $1,000. The lower deductible provides better financial protection given Oklahoma's severe weather risks like tornadoes, hail, and ice storms. Drivers in high-theft areas such as Tulsa and Oklahoma City benefit from lower deductibles for theft protection.

Is full coverage the best choice for my older paid-off car in Oklahoma?

Cars worth less than $5,000 make dropping comprehensive and collision a smart money-saving move. Oklahoma's severe weather risks, including tornadoes, hail damage, and flash flooding, plus rising vehicle theft rates make full coverage worthwhile for cars valued at $10,000 or higher. Keep full coverage if you lack emergency savings, but with adequate savings and an older vehicle, skipping these coverages can free up cash for other priorities.

What is the best Oklahoma car insurance for customer service?

Progressive delivers top-rated customer service for Oklahoma drivers, earning a perfect 5.0 score.

What is the best car insurance in Oklahoma for the lowest rates?

Progressive offers Oklahoma's most affordable auto insurance rates, according to our analysis of the cheapest car insurance companies in Oklahoma.

What's the cost of car insurance in Oklahoma?

Oklahoma car insurance costs $133 monthly for full coverage and $52 for minimum coverage. See the average cost of car insurance in Oklahoma.

How We Rated the Best Car Insurance in Oklahoma

We researched more than 70 companies in Oklahoma, from national to small local providers across all U.S. residential ZIP codes in Oklahoma. We also analyzed customer reviews, discounts and coverage details to give you a complete picture of each provider's services.

Here's how we score each company in Oklahoma:

Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Oklahoma. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We analyzed rates in Oklahoma by driver profile to make sure you are getting the best rate for your situation.
Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Oklahoma-specific feedback to get an accurate best score.
Best Coverage options (10% of score): This score considers the breadth of coverage options a company offers and unique coverage features that stand-out.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »