Progressive stands as Oklahoma's best car insurance company, earning a MoneyGeek score of 4.98 out of 5 for its strong affordability, customer service and coverage options. Since insurance needs vary by driver, consider also looking into Mercury, GEICO, State Farm and Shelter Insurance.
Best Car Insurance in Oklahoma
Updated: October 31, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Oklahoma is Progressive, with top scores in both affordability and customer experience.
Progressive offers the best coverage for drivers with an accident history, while Farm Bureau provides optimal rates for low-income drivers in Oklahoma.
To secure the best car insurance rates in Oklahoma, drivers should determine their coverage needs, research provider options and compare plenty of quotes before choosing.
Best Car Insurance Companies in Oklahoma
| Progressive | 4.98 | $62 | 1 | 2 |
| Mercury Insurance | 4.56 | $74 | 4 | 5 |
| Geico | 4.44 | $73 | 5 | 6 |
| State Farm | 4.36 | $86 | 3 | 6 |
| Shelter Insurance | 4.24 | $84 | 8 | 3 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Oklahoma by Driver Profile
Progressive leads in nine out of ten Oklahoma driver categories, offering the most affordable rates for most situations. Farm Bureau is the best option for low-income drivers, being the only category not dominated by Progressive.
| 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 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Oklahoma Car Insurance Recommendations
Our research provides general recommendations, but your insurance needs may differ. To find the best match for your situation, compare these five top-rated providers based on your personal profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | 0.20 | $135 | 1 | 2 |
| Shelter Insurance | 0.17 | $159 | 8 | 3 |
| American Farmers & Ranchers | 0.16 | $91 | 7 | 7 |
| State Farm | 0.15 | $141 | 3 | 6 |
| Farmers | 0.15 | $261 | 8 | 1 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Oklahoma Car Insurance Reviews
Get detailed service breakdowns and see why these insurers earned our top ratings in each category below.
Progressive
Best Cheap Overall in Oklahoma
MoneyGeek Rating
5.0/ 5
5/5Affordability
5/5Customer Experience
4.8/5Coverage Points
Average Monthly Full Coverage Cost
$96For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$29For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.3/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Pet Injury Coverage
Mercury Insurance
Second Best Overall in Oklahoma
MoneyGeek Rating
4.6/ 5
4.7/5Affordability
4.6/5Customer Experience
3.7/5Coverage Points
Average Monthly Full Coverage Cost
$109For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$39For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.0/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Trip Interruption Coverage
How to Find the Best Car Insurance in Oklahoma
Finding the right car insurance in Oklahoma isn't easy. We've created this guide to help you choose coverage that fits your needs and budget.
- 1Decide on coverage needs before you buy
The easiest way to overpay for car insurance, regardless of state, is to not know what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting Oklahoma required minimums.
- 2Research average costs and discounts you may qualify for
To get an idea of potential savings, research average car insurance costs in Oklahoma as a baseline for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also reduce your premium .
- 3Look through provider customer experiences and coverage options thoroughly
Research customer reviews and claims handling processes. Examine available add-ons and extra coverage options to find a provider that suits your needs.
- 4Consider non-standard coverage options
Alternative options like non-owner car insurance and pay-per-mile policies might better suit your needs and budget. Additionally, if you need an SR-22 in Oklahoma, your provider options may vary.
- 5Compare plenty of quotes through multiple means
Shopping around and comparing quotes is crucial to finding the cheapest option possible. Compare rates using quotes from independent agents, direct from providers and online comparison tools.
- 6Reassess annually
Review your coverage and compare rates annually to make sure you have the best deal for coverage and cost.
Best Oklahoma Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Progressive is the top-rated company overall, while Mercury and GEICO are also good options for drivers in Oklahoma.
Best Auto Insurance in Oklahoma: FAQ
Your unique driving habits and coverage needs determine the right car insurance policy, so we'll help you answer key questions about choosing coverage.
What is the best car insurance company in Oklahoma?
Progressive leads Oklahoma's car insurance market with a MoneyGeek score of 4.98 out of 5 and an average monthly premium of $96 for full coverage.
What is the best car insurance company for minimum coverage in Oklahoma?
Progressive ranks highest for minimum coverage in Oklahoma with an average rate as low as $343 per year.
What is the best car insurance in Oklahoma for young drivers?
Progressive is the top choice for young adults in Oklahoma, combining competitive rates averaging $96 per month with strong customer service and comprehensive coverage options.
What is the best car insurance for Oklahoma drivers who value customer service?
Progressive ranks highest for customer experience in Oklahoma with a score of 5 out of 5. The company excels in their purchase experience, claims handling, digital tools and overall customer support.
What is the best car insurance in Oklahoma if you have driving offenses?
Progressive leads insurance options for Oklahoma drivers with violations, offering monthly rates of $40 for minimum coverage and $134 for full coverage policies.
How We Rated the Best Car Insurance in Oklahoma
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Oklahoma. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- 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 also check other combinations to ensure you find the right fit 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 score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.