The Best Car Insurance in Oklahoma for 2022
The best car insurance company has a good balance of customer satisfaction, affordability and financial stability. Among the top car insurance companies in Oklahoma, GEICO is the best as it ranks first in all these categories.
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MoneyGeek identified that GEICO tops the list of the best auto insurance companies in Oklahoma. However, you may find that the best company overall may not be the best option for young drivers and students, drivers with bad driving records and so on.
In addition to identifying the best companies in the state, we also listed the cheapest car insurance companies in Oklahoma without considering customer service.
The Best Car Insurance in Oklahoma
Best Car Insurance Companies in Oklahoma: Overall
When identifying the top car insurance companies in Oklahoma, MoneyGeek looks at claims ratings, user satisfaction, financial stability and average rates among others.
Based on these criteria, two companies stand out as the best cheap insurance providers in the state:
- GEICO: MoneyGeek score of 4.6 out of 5
- Allstate: MoneyGeek score of 4.1 out of 5
Although USAA has a higher score of 4.9 out of 5, it was excluded from the rankings as its policies are only available to military members and their families.
The Top 5 Car Insurance Companies in Oklahoma
GEICO has the highest score in Oklahoma for stability, affordability, claims and satisfaction. This company has an affordable average annual rate of $774. Mechanical Breakdown Insurance is a unique feature of GEICO.
GEICO offers Mechanical Breakdown Insurance for car owners whose vehicle is less than 15 months old with less than 15,000 miles. This includes additional coverage for major malfunctions that is typically not included in basic auto insurance coverage or dealer warranties. Another coverage that GEICO offers is accident forgiveness, which prevents your insurance rates from going up if you have been in an accident for the first time after five claim-free years.Read MoneyGeek's GEICO auto Insurance Review
Allstate costs an average of $1,192 per year. It tied for first in satisfaction and claims and second in stability. Meanwhile, it ranks fourth for affordability. This company offers custom parts coverage.
Allstate offers custom parts coverage that is not very common from other companies. This includes special carpeting, bars, height-extending roofs, custom murals, decals and graphics. If you have a sound system in your car that uses tapes or compact discs, you can file a claim under Allstate’s portable electronics and media coverage and get reimbursed for the loss of these items.Read MoneyGeek's Allstate auto Insurance Review
State Farm tied for second in satisfaction and ranked third in affordability. Its policies have an average cost of $1,069 per year. Unlike some competitors, State Farm offers rideshare insurance.
With rideshare insurance coverage, the insured is covered for any medical needs, emergency roadside assistance and rental car reimbursement, when the app is on and available for hire. While transporting a rider, all coverages are included except the liability insurance. In cases where you are unable to use your vehicle, you can get a car rental and reimburse travel expenses including meals and lodging for up to $500, plus another $500 repayment of deductible if you get into an accident in your rental car.Read MoneyGeek's State Farm auto Insurance Review
Farmers ranked second in affordability, with an average annual rate of $1,005. This company ranked fourth for stability and fifth for satisfaction, although it did tie for first place for claims. Farmers offers original equipment manufacturer coverage.
Though limited to cars up to 10 years old, original equipment manufacturer (OEM) coverage pays for factory-original parts in covered repairs. Custom parts coverage covers the cost of repairs or replacement for aftermarket equipment, such as custom wheels and infotainment systems.Read MoneyGeek's Farmers auto Insurance Review
At an average of $1,310 per year, Progressive has the most expensive average policy in Oklahoma. It ranked fourth for stability, fifth for satisfaction and first for claims. Custom parts and equipment coverage can be included.
Custom parts coverage refers to any customization that wasn’t made by the manufacturer, including the addition of a stereo, navigation system, custom wheels, a paint job and other similar modifications. Typically, this coverage is only limited to $5,000 worth of coverage. If you work with a ridesharing company, several coverages in your personal auto insurance also apply when your app is on. This coverage is useful in case an accident occurs while waiting to receive a ride request.Read MoneyGeek's Progressive auto Insurance Review
MoneyGeek collected quotes for one sample driver to identify which companies offer the best full coverage car insurance in Oklahoma. These quotes can differ widely as they are based on the customer’s profile. MoneyGeek collected claims rating and user satisfaction info from J.D. Power and the NAIC, respectively. More details about our sample driver, policies and assumptions can be found in our methodology.
MoneyGeek's Oklahoma Car Insurance Resources:
Compare the Best Insurance Options in Oklahoma
The car insurance policy you choose should have the right combination of coverage for your needs. Keep in mind that some car insurance companies may not have the specific coverage that you’re looking for. Aside from listing the best car insurance companies in Oklahoma, MoneyGeek offers an in-depth review of each company based on cost, customer service and financial stability.
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Best Car Insurance in Oklahoma for Customer Service
Claims rating and user satisfaction are a great measure of how a car insurance company treats its customers.
Without looking at cost, MoneyGeek found that these two companies in Oklahoma have the highest claims rating and user satisfaction:
- GEICO - MoneyGeek score of 4.3 out of 5
- Allstate - MoneyGeek score of 4.3 out of 5
The Top 2 Car Insurance Companies in Oklahoma for Service Quality
GEICO has a user satisfaction rating of 4.5 out of 5, the highest rating among the companies in Oklahoma. It also scored 4 out of 5 for claims rating. GEICO has the lowest prices in Oklahoma as well, so you won’t have to trade affordability for customer service.
If you have a flat tire or need towing, jump starts or lockout services, you can file a claim under GEICO’s roadside assistance coverage. GEICO also pays a preset amount for a rental vehicle in case you need to use one while your own vehicle is being repaired after a covered accident.Read MoneyGeek's GEICO auto Insurance Review
Ranking below GEICO is Allstate with the same user satisfaction score of 4.5 out of 5 and claims rating of 4 out of 5. However, Allstate ranked fourth of five companies analyzed when it comes to affordability, so there is a bit of a trade-off between pricing and customer service.
If you have comprehensive coverage with Allstate, you become eligible to add sound system coverage which pays up for damages to stereos and other related components installed permanently in your car. Allstate’s Ride for Hire rideshare insurance program provides coverage while your app is on and you’re waiting for a ride request.Read MoneyGeek's Allstate auto Insurance Review
Best Car Insurance in Oklahoma for Drivers on a Budget
Drivers prioritizing pricing when buying a policy can get a minimum coverage policy to cover basic damages and comply with state law. To help you find the best rates, we listed companies offering the most affordable minimum car insurance policies in the state.
Aside from having the cheapest rates, these two companies also have great quality service. The top car insurance companies in Oklahoma for drivers on a budget are:
- GEICO - MoneyGeek score of 4.5 out of 5
- State Farm - MoneyGeek score of 3.9 out of 5
MoneyGeek’s Pick: GEICO
Affordable minimum coverage policy at $401 per year on average
Drivers in Oklahoma can get discounts for anti-theft systems, defensive driving and airbags
MoneyGeek claims rating of 4.0
MoneyGeek satisfaction score of 4.5
Unlike many other car insurance companies, it doesn’t offer pay-in-full discounts
No discounts for paperless billing
GEICO combines a generous list of features like bundling, multiple car and safe driving discounts which let drivers save on their premiums.
Aside from these offers, drivers in Oklahoma can also take defensive driving classes and install anti-theft systems in their cars to get additional discounts.
Best Car Insurance in Oklahoma for Poor Driving Records
Drivers with an at-fault accident can still find the best car insurance companies in Oklahoma offering affordable rates for their profiles. The best options for drivers with accidents on their records will combine affordable costs and top-quality customer service. Based on our findings, the companies for drivers with a bad driving record are:
- GEICO: MoneyGeek score of 4.4 out of 5
- State Farm: MoneyGeek score of 4.3 out of 5
These scores are based on car insurance policies that are affordable and offer great customer service after an accident.
MoneyGeek’s Pick: GEICO
Affordable policy for drivers with poor records at an average of $1,304 per year
Claims rating score of 4 out of 5
User satisfaction of 4.5 out of 5
Offers roadside assistance, rental car and/or travel reimbursement and accident forgiveness
Does not offer new car or better car replacement discounts
GEICO offers the best car insurance coverage in Oklahoma for drivers with a poor record. At an average of $1,304 per year, the policy is relatively affordable. This company has a claims rating of 4 out of 5 and a user satisfaction score of 4.5 out of 5. GEICO offers the following coverages if you get into an accident:
- Roadside assistance: If you’re stranded on the road, flat tires, towing, jump starts and lockout services are covered under this feature.
- Rental car and/or travel reimbursement: In instances where your car cannot be used for more than 24 hours after an accident, the policy reimburses costs paid on rental vehicles up to a preset amount.
- Accident forgiveness: Accident forgiveness prevents your insurance rates from going up after your first at-fault accident after five claim-free years.
Best Car Insurance in Oklahoma for a Military Background
Families with a military background can get the best rates from USAA, which also ranks as the best car insurance provider for military personnel in Oklahoma based on MoneyGeek’s scoring system.
USAA scored a total of 4.9 out of 5. The state minimum coverage costs an average of $373 per year, while military drivers with an at-fault accident record pay approximately $1,185 per year.
MoneyGeek’s Pick: USAA
An affordable full coverage policy at $827 per year on average
Claims rating score of 5 out of 5
User satisfaction score of 5 out of 5
Rideshare insurance coverage
Vehicle storage discount
Limited to military members and their families
Generally, USAA consistently ranks as one of the cheapest insurers both in Oklahoma and in other states. It has the best service ratings and an outstanding reputation throughout the country.
- Accident forgiveness: Earn accident forgiveness coverage when you remain accident-free for five years or more.
- Rental car and/or travel reimbursement: USAA will reimburse rental car fees while your car is being repaired after an accident.
- New vehicle discount: New vehicles that are three years old or newer can get additional discounts
- Mileage discount: Get discounts based on your car’s mileage per year
Best Car Insurance in Oklahoma for Young Drivers and Students
In Oklahoma, students and young drivers normally pay higher insurance premiums because of their risk profile. With this in mind, MoneyGeek gathered quotes to find the most affordable options for adding students and young drivers to a policy.
The best car insurance companies in Oklahoma for young drivers are:
- Allstate: MoneyGeek score of 4.5 out of 5
- GEICO: MoneyGeek score of 4.0 out of 5
These companies combine affordability and great customer service for young drivers and student drivers alike.
MoneyGeek’s Pick: Allstate
Affordable costs for adding a young driver at $1,958 per year on average
Good student, distant student and driver’s education discounts available
Claims rating of 4 out of 5
Satisfaction score of 4.5 out of 5
Adding a younger driver to a policy increases the premiums by a significant amount. Allstate is able to keep these costs reasonable while retaining good-quality service, which is a valuable benefit that makes the process of filing a claim much less stressful.
Additionally, Allstate offers discounts for young drivers when they get good grades, attend a school that is at least 100 miles away from where their car is garaged or complete a driver education program.
Best Car Insurance in Oklahoma for Those With New Cars
When you’ve just purchased a new car, know that there are companies in Oklahoma that offer policies that include new or better car replacement coverage.
New car replacement coverage pays the cost for a car of the same make and model. Better car replacement pays for the cost of an even better, more recent car model. These coverages are add-ons that come with additional fees.
In Oklahoma, Allstate offers new car replacement coverage to its policyholders. This insurance company has the highest MoneyGeek score of 4.1 out of 5 for drivers seeking this coverage.
MoneyGeek’s Pick: Allstate
Offers new car replacement
Claims rating score of 4 out of 5
Satisfaction score of 4.5 out of 5
Somewhat expensive policy averaging $1,192 per year
Does not offer better car replacement coverage to its customers
Allstate is one of the best car insurance companies in Oklahoma for new car owners. Its new car replacement coverage provides significant peace of mind and protects your investment.
A car immediately loses value the moment it is driven off the lot, so this coverage protects you in this regard as well. Allstate replaces your car with a new model if it is two years old or less.
Best Car Insurance in Oklahoma for Low-Mileage Drivers
MoneyGeek’s Pick: Nationwide
Nationwide SmartRide offers affordable coverage for people who drive infrequently
Could be more expensive than standard insurance for people who drive frequently
Nationwide SmartRide is a combination of driving behavior and pay-per-mile insurance. Through a monitoring device, it is able to track hard braking and acceleration, idle time and nighttime driving. SmartRide combines this behavior element with the mileage you drive to determine your monthly premiums.
How to Find the Best Car Insurance in Oklahoma in For You
A balance of cost, service reputation and financial stability is a great starting point when looking for the best car insurance companies in Oklahoma. While MoneyGeek provides comprehensive reviews based on the available information we can gather, we can only guide you in finding the insurance company that suits you best. We recommend going through each policy yourself before purchasing.
Research Customer Service Reputations in Oklahoma
To show how the companies perform based on satisfaction and claims ratings, we gathered information from J.D. Power and the NAIC. You can look them up if you want to do further investigation on these reports. Use the helpful guide found on the Oklahoma Insurance Department website when choosing your automobile insurance policy.
Compare Quotes for Yourself
MoneyGeek based our findings on one sample driver in most areas, but not all cities and areas in Oklahoma are represented in this study. Comparing at least three different quotes yourself can give you a better idea about the average costs in your area.
Make Sure the Company Has Coverages You Want in Oklahoma
Some insurance companies may not have the specific coverages that you are looking for. Sometimes, even the same companies don’t offer the same coverages in all states. It is best to review the list of coverages available in your state before buying a policy.
Double-Check Financial Stability Ratings
Another thing to consider before buying a policy is the insurer’s financial stability. Larger companies typically have strong financial stability while smaller regional ones typically have lower ratings.
FAQs About the Best Car Insurance in Oklahoma
You may be looking for specific coverage that is necessary based on your profile or the area where you live. Learning the answers to some commonly asked questions about auto insurance in Oklahoma can help you find the best deals.
Our average driver profile is a 40-year-old male with a clean driving record looking for full coverage with a $1,000 deductible. Additionally, this driver travels an average of 12,000 miles a year in a 2010 Toyota Camry LE.
Using this sample driver, MoneyGeek gathered information in collaboration with Quadrant Information Services. Customer satisfaction, claims ratings and financial strength were calculated based on the evaluations made by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
Lastly, information on coverages and discounts was recorded from each insurer’s website. Unless specified in the findings, full disclosure can be found on the methodology page.
About the Author
- Oklahoma Insurance Department. "Choosing Your Automobile Insurance Policy." Accessed September 22, 2021.