Best Car Insurance in Oklahoma for 2026

Progressive earns the best car insurance in Oklahoma at 4.98/5, one of the highest scores across all states. American Farmers & Ranchers is the cheapest for bad credit.

Written by Mark Fitzpatrick

Updated: April 22, 2026

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Key Takeaways

Progressive earns one of the highest composite MoneyGeek scores across all 50 states (4.98/5), with 5/5 ratings for affordability and customer experience, and wins every major profile category for best and cheapest.

American Farmers & Ranchers, an Oklahoma-based regional carrier, is cheapest for bad credit ($59 per month), low income ($45 per month), at-fault accidents ($38 per month) and young drivers ($58 per month), profiles where its Oklahoma-local pricing beats Progressive by $10 to $30 per month.

Progressive leads all 10 of Oklahoma's most populous cities at 4.98/5. Monthly rates run from $54 in Enid to $76 in Broken Arrow, driven by local traffic density and tornado-corridor claim volume.

HOW MONEYGEEK CHOSE THE BEST CAR INSURANCE IN OKLAHOMA

MoneyGeek analyzed quotes from six Oklahoma insurers across every ZIP code in the state. Oklahoma is an at-fault state where tornado season and hail exposure produce above-average comprehensive claims each spring, and credit scoring is allowed.
MoneyGeek's licensed insurance producers weighed Oklahoma's at-fault liability rules, its tornado and hail risk and the regional carrier market, where insurers like American Farmers & Ranchers price for Oklahoma's loss history rather than a national pool.

Affordability (60%): Rate is the primary driver for most Oklahoma drivers
Customer experience (30%): Based on J.D. Power scores, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings
Coverage options (10%): Measures the range of optional coverages offered in Oklahoma

Best Car Insurance in Oklahoma by Driver Profile

Progressive is the right pick for nearly every Oklahoma driver; it wins best and cheapest across most profiles, with American Farmers & Ranchers as the alternative for bad-credit, low-income and accident profiles where the monthly rate is the only priority.

Progressive earns the highest score MoneyGeek found for any insurer across all 50 states, 4.98/5, with a 5/5 on both affordability and customer experience. At $28 per month for a clean-record adult and $36 per month after a DUI, both best and cheapest in the state, it leads across virtually every standard profile.

American Farmers & Ranchers is the cheapest car insurance in Oklahoma for bad credit at $59 per month, low income at $45 per month and accidents at $38 per month. It's worth getting a direct quote for those profiles, though it offers only one optional coverage. Farm Bureau isn't a featured winner but posts the best score for low-income drivers at $62 per month.


Drivers with older cars	Progressive	$27	$91
Adult drivers (26–64), clean record	Progressive	$28	$89
Drivers with newer cars	Progressive	$33	$112
After a DUI	Progressive	$36	$118
Senior drivers (65+)	Progressive	$38	$96
After an at-fault accident	American Farmers & Ranchers	$38	$121
After a speeding ticket	Progressive	$40	$134
Low income	American Farmers & Ranchers	$45	$129
Bad credit	American Farmers & Ranchers	$59	$169
Young drivers (16–25)	Progressive	$96	$262

Oklahoma allows credit scoring. American Farmers & Ranchers' $59-per-month minimum for bad credit is the cheapest rate in the state, a result of its Oklahoma-specific pricing rather than national risk pooling.

Best Overall and Best for Young Drivers or Those With a Violation

Progressive

Progressive earns one of the highest scores across all 50 states, 4.98 out of 5, with 5/5 affordability, 5/5 customer experience and 4.8/5 coverage scores. It's the only Oklahoma insurer in MoneyGeek's analysis that pairs the state's lowest rate with top customer experience scores and near-top coverage. At $28 per month for minimum coverage for a clean-record adult, Progressive is the cheapest option in the state. It leads seven profile categories: adult drivers, DUI ($36 per month), speeding ($40 per month), newer cars ($33 per month), older cars ($27 per month), senior drivers ($38 per month) and accident on best score.

Progressive leads Oklahoma with a 5/5 score in customer experience, built on strong independent agent network ratings, above-average J.D. Power claims-satisfaction scores and a NAIC complaint index below the industry baseline. It also offers seven optional coverages beyond basic liability, collision and comprehensive: accident forgiveness, a diminishing deductible, gap insurance, trip interruption, pet coverage, rideshare coverage and custom equipment coverage. In Oklahoma, where tornado and hail exposure produce above-average comprehensive claim volume and rideshare activity concentrates in Oklahoma City and Tulsa, that coverage menu maps well to what local drivers actually need.

Affordability (60%): 5/5
Customer Experience (30%): 5/5
Coverage Options (10%): 4.8/5

Don't pick Progressive if you have bad credit or low income and want the lowest possible monthly rate. American Farmers & Ranchers beats it on both profiles, $59 per month for bad credit and $45 per month for low income, though with a narrower coverage menu and a lower service score.

Best Cheap for Drivers With Bad Credit or Low Income

American Farmers & Ranchers

American Farmers & Ranchers is the cheapest option in Oklahoma for bad credit ($59 per month), low income ($45 per month), at-fault accidents ($38 per month) and young drivers ($58 per month) in MoneyGeek's analysis. For drivers in those profiles who want the lowest possible rate, it's hard to beat. Its pricing is based on Oklahoma-specific loss history rather than a national risk pool, which is why it underprices national carriers on profiles that cost more with larger insurers.

American Farmers & Ranchers scores 4/5 on customer experience, below Progressive and State Farm in MoneyGeek's Oklahoma analysis. Its service network is concentrated in Oklahoma and neighboring Plains states. On coverage, it offers one optional coverage (rental reimbursement), plus an add-on package covering fire, lightning, transportation and theft. That's the narrowest menu among Oklahoma's featured winners: no gap insurance, no accident forgiveness, no rideshare coverage. If the monthly rate is the only thing that matters, American Farmers & Ranchers delivers. If you need broader coverage, it won't.

Affordability (60%): 4.6/5
Customer Experience (30%): 4/5
Coverage Options (10%): 1.3/5

Don't pick American Farmers & Ranchers if you need gap insurance, accident forgiveness or rideshare coverage; none are available. Progressive's higher rates for those profiles come with a 5/5 customer experience score and the broadest coverage menu in Oklahoma.

MONEYGEEK VERDICT

Progressive is the right call for most Oklahoma drivers. Its 4.98/5 score is the highest in the state and among the highest in the country, and its leadership in rate across seven profile categories means there's almost no trade-off between cost and service. American Farmers & Ranchers is the right pick for bad-credit, low-income and accident-cheapest profiles, where its Oklahoma-local pricing produces rates Progressive doesn't match. Oklahoma's tornado and hail exposure makes the seven-versus-one coverage gap between these two insurers worth understanding before you choose.

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Best Car Insurance in Oklahoma by City

Progressive leads all 10 Oklahoma cities with a 4.98/5 rating, matching its state-level score. The rate gap across cities is real: Enid averages $54 per month, while Broken Arrow averages $76 per month, a $22 difference tied to local traffic density and the contrast between rural and suburban Oklahoma City metro exposure.


Oklahoma City	Progressive	5.00	$69
Tulsa	Progressive	5.00	$71
Norman	Progressive	5.00	$67
Broken Arrow	Progressive	5.00	$76
Edmond	Progressive	5.00	$67
Moore	Progressive	5.00	$69
Lawton	Progressive	5.00	$57
Midwest City	Progressive	5.00	$68
Enid	Progressive	5.00	$54
Stillwater	Progressive	5.00	$59

Rates vary by ZIP within each city. Oklahoma City and Tulsa ZIP codes in higher-traffic corridors run above the city averages shown here. For more details on the Tulsa market, see the best cheap car insurance in Tulsa.

Summary: Best Car Insurance Providers in Oklahoma on Average

Progressive leads Oklahoma at 4.98/5, one of the highest scores across all 50 states, followed by Mercury at 4.6/5. The 0.43-point gap between Progressive and Mercury is among the widest between a state's top insurer and its nearest competitor across all 50 states. MoneyGeek weights affordability (60%), customer experience (30%) and coverage (10%).


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

How to Find the Best Car Insurance in Oklahoma

For most Oklahoma drivers, the choice is clear. Progressive's 4.98/5 score means the best and cheapest option is the same insurer for seven of nine standard profiles.

1
Understand Oklahoma minimums
Oklahoma requires 25/50/25 liability coverage and operates under an at-fault system with no personal injury protection requirement.
2
Account for tornado and hail exposure
Oklahoma's spring storm season produces above-average comprehensive claims. Progressive's coverage menu, which includes gap insurance, new-car replacement and trip interruption, addresses that risk directly.
3
Factor in credit scoring
Oklahoma allows insurers to use credit as a rating factor. American Farmers & Ranchers is the cheapest for bad credit at $59 per month.
4
Get a direct quote if you have bad credit or low income
American Farmers & Ranchers is the regional carrier to compare for bad-credit, low-income and accident-cheapest profiles. Its Oklahoma-local pricing produces rates that national carriers don't match on those segments.
5
Consider bundling
Bundling home and auto insurance in Oklahoma reduces the total premium in the state.

Frequently Asked Questions About Car Insurance in Oklahoma

Who has the cheapest car insurance in Oklahoma?

Progressive is the cheapest for minimum coverage for a clean-record adult at $28 per month and leads on most standard profiles. After a DUI, Progressive is still the cheapest at $36 per month. For bad credit, American Farmers & Ranchers is cheapest at $59 per month. For low-income, American Farmers & Ranchers is the cheapest at $45 per month.

What is the average cost of car insurance in Oklahoma?

Oklahoma rates are near or slightly above the national average due to tornado and hail exposure, which drives above-average comprehensive claim volume in the spring months.

What car insurance coverage is required in Oklahoma?

Oklahoma requires 25/50/25 liability coverage, meaning $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage. Oklahoma is an at-fault state and doesn't require personal injury protection.

Is Oklahoma a no-fault state?

No. Oklahoma is an at-fault state. The driver responsible for an accident is liable for the resulting damages, and the injured party can file a claim against the at-fault driver's liability coverage.

Does Oklahoma allow credit scoring for car insurance?

Yes. Oklahoma permits insurers to use credit as a rating factor. American Farmers & Ranchers wins cheapest bad-credit coverage at $59 per month, reflecting its Oklahoma-local pricing for that risk profile.

Which Oklahoma insurer has the best customer service?

Progressive ranks first on customer experience in MoneyGeek's Oklahoma analysis with a perfect 5/5 customer experience score, built on strong independent agent network ratings, above-average J.D. Power claims-satisfaction rankings and a NAIC complaint index below industry baseline.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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