BestAuto InsuranceOklahoma The Best Car Insurance in Oklahoma for 2023
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BestAuto InsuranceOklahoma The Best Car Insurance in Oklahoma
Best Overall - GEICO
Best for Customer Service - Esurance
Best for Minimum Coverage - GEICO
Best for Young Drivers - Allstate
Best for Seniors - GEICO
Best for Bad Driving Record - GEICO
Best for Military - USAA
Best for New Cars - Allstate
Best for Low-Mileage Drivers - Nationwide
In addition to identifying the best companies in the state, we also listed the cheapest car insurance companies in Oklahoma without considering customer service.
Best Full Coverage Car Insurance Companies in Oklahoma: Overall
MoneyGeek ranked GEICO as the best overall insurance company in Oklahoma. The top two car insurance companies in the whole state of Oklahoma based on claim ratings, customer satisfaction ratings and average rates are:
- GEICO: MoneyGeek overall score of 91 out of 100 ($774 per year)
- Allstate: MoneyGeek overall score of 81 out of 100 ($1,192 per year)
Another company worth mentioning is USAA, an insurance company with a MoneyGeek score of 100 out of 100. It is excluded in this report because its policies are exclusively available to former and current military members and their families.
MoneyGeek also analyzed Oklahoma's cheapest full coverage car insurance for those looking to save.
THE TOP CAR INSURANCE COMPANIES IN OKLAHOMA
1
GEICOBest Overall
Score:91
GEICO has the highest score in Oklahoma for financial stability, affordability, claims and satisfaction. Mechanical breakdown insurance (MBI) is a unique feature of GEICO.
Average Annual Cost: $774
More About GEICO
GEICO consistently has one of the most affordable policies not just in Oklahoma, but also in other states. Apart from having exceptional financial strength and great customer service, it also offers unique coverages and discounts, making it the best option in Oklahoma overall.
This insurer offers mechanical breakdown insurance (MBI) applicable to vehicles less than 15 months old and with less than 15,000 miles. This includes additional coverage for major malfunctions 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 after your first at-fault accident if you’ve been accident-free for five years as a GEICO customer. However, this insurer does not offer new or better car replacement.
2
Allstate
Score:81
Allstate tied for first in satisfaction and claims and second in financial stability. Meanwhile, it ranks fourth for affordability. This company offers custom parts coverage.
Average Annual Cost: $1,192
More About Allstate
Allstate offers policies in all 50 states and Washington, D.C. It is consistently one of the top insurers with affordable policies and above-average complaint ratings.
In addition to the usual collision, comprehensive and liability coverage, Allstate offers unique coverage and discounts. One of these is custom parts coverage, which is not very common among 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 those items. Allstate also offers rideshare insurance which covers gaps in your personal coverage.
3
State Farm
Score:80
State Farm tied for second in satisfaction and ranked third in affordability. Unlike some competitors, State Farm offers rideshare insurance.
State Farm’s policies average $1,069 per year.
More About State Farm
With rideshare insurance coverage, the insured is covered for any medical needs, emergency roadside assistance and rental car reimbursement when available for hire via the rideshare app. While transporting a rider, all coverages are included except liability insurance. In cases where you cannot use your vehicle, you can get a rental car and reimbursed travel expenses, including meals and lodging, for up to $500, plus another $500 repayment of the deductible if you get into an accident in your rental car.
4
Farmers
Score:78
Farmers ranked fourth for stability and fifth for satisfaction, although it did tie for first place for claims. Farmers offers original equipment manufacturer coverage (OEM).
Farmers ranked second in affordability, with an average annual rate of $1,005.
More About Farmers
Though limited to cars up to 10 years old, 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.
5
Progressive
Score:76
Progressive ranked fourth for stability, fifth for satisfaction and first for claims. Custom parts and equipment coverage can be included.
Progressive policies cost an average of $1,310 per year in Oklahoma.
More About Progressive
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 limited to $5,000. If you work with a rideshare company, several coverages in your personal auto insurance apply when your app is on, but there can be some gaps. For those gaps, this coverage is helpful. For instance, while waiting to receive a ride request.
HOW WE DETERMINED THE BEST INSURANCE IN OKLAHOMA
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:
Best Car Insurance in Oklahoma for Customer Service
In terms of customer service, GEICO ranks the highest in Oklahoma. The top two companies in Oklahoma for customer service include:
- GEICO: MoneyGeek score of 87 out of 100
- Allstate: MoneyGeek score of 86 out of 100
These rankings were based on claims and customer satisfaction. Affordability was not considered.
THE TOP TWO CAR INSURANCE COMPANIES IN OKLAHOMA FOR SERVICE QUALITY
1
GEICOBest for Customer Service
Score:87
GEICO has a user satisfaction rating of 4.5 out of 5, the highest rating among the companies in Oklahoma. It scored 4 out of 5 for claims rating. GEICO also has the lowest prices in Oklahoma, so you won’t have to sacrifice high-quality service for affordability.
More About GEICO
GEICO gained impressive ratings from different rating agencies. J.D. Power gives GEICO an 835 out of 1000 score, giving it a higher score than the industry average. However, based on the National Association of Insurance Commissioners (NAIC) rating, GEICO is recorded to have more complaints than the average insurance provider.
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 if you need one while yours is being repaired after a covered accident.
Excellent customer service is crucial as you will be reaching out to your insurance provider in times of emergency.
2
Allstate
Score:86
Allstate scored the same above average scores with the best company in terms of satisfaction and claims rating. However, It scored slightly below GEICO in terms of financial strength.
More About Allstate
Allstate ranked second-best in Oklahoma for auto insurance. This company received an A+ from the BBB rating system for resolving customer concerns, which is the highest rating possible.
Allstate offers a combination of common and unique coverages, including roadside assistance and rental car reimbursement in case your car breaks down in the middle of the road and needs repairs. Its unique custom parts coverage protects specialized equipment — like interior carpeting, windows and height-extending roofs — resulting from a comprehensive loss. Allstate also has various discount packages for installing safety vehicle equipment and safe driving.
Best Car Insurance in Oklahoma for Minimum Coverage
MoneyGeek determined that GEICO is the winner for the most budget-friendly company, offering the minimum coverage that follows Oklahoma’s minimum state requirements.
We found that the following insurance companies are the best options for those looking for cheap, quality coverage.
- GEICO: MoneyGeek score of 89 out of 100 ($401 per year)
- State Farm: MoneyGeek score of 79 out of 100 ($492 per year)
MoneyGeek also analyzed the cheapest minimum coverage car insurance in Oklahoma if you’re only looking for different ways to save.
MoneyGeek’s Pick: GEICO
pros
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
cons
Unlike many other car insurance companies, it doesn’t offer pay-in-full discounts
No discounts for paperless billing
COMPANY HIGHLIGHTS
Policyholders in Oklahoma are eligible for a variety of discounts from GEICO. It combines a generous list of features that can help drivers save. Bundling GEICO insurances, such as renters and other types, enables you to save. This is recommended over purchasing insurance from several different providers. Bundling multiple cars is another cost-saving opportunity if you need to insure more than one vehicle. Safe driving discounts apply to those who manage to maintain a clean driving record.
Aside from these offers, GEICO rewards drivers with safety and security components installed. For example, drivers in Oklahoma can take defensive driving classes and install anti-theft systems in their cars to get additional discounts.
Best Car Insurance in Oklahoma for Young Drivers and Students
The best insurer in Oklahoma for young drivers or students is Allstate. MoneyGeek searched for quotes to determine the most affordable options for students and young drivers in Oklahoma who usually pay higher insurance premiums because of their age.
Here are the best options for teen drivers in Oklahoma:
- Allstate: MoneyGeek score of 90 out of 100 ($1,958 per year)
- GEICO: MoneyGeek score of 79 out of 100 ($2,259 per year)
MoneyGeek’s analysis in this category is for drivers in their late teens or early 20s. Both companies offer affordable prices to young drivers and students while considering customer feedback.
For those unconcerned with customer ratings, MoneyGeek analyzed the cheapest car insurance in Oklahoma for young drivers and students.
MoneyGeek’s Pick: Allstate
pros
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
cons
Does not offer common discounts like multiple car or defensive driving
COMPANY HIGHLIGHTS
Adding a younger driver to a policy increases premiums significantly. Allstate can keep these costs reasonably low while maintaining a good reputation for customer satisfaction. A streamlined experience for filing a claim that could otherwise be a stressful experience is a huge benefit.
Allstate has Drivewise and teenSmart tools and programs that provide driving feedback and insights on a young driver's driving habits and a training program to help reduce collision risk. In addition to promoting safe driving, Allstate offers opportunities to young drivers to save on their insurance. For example, Allstate offers discounts to full-time students with good grades, those who can complete a driver’s education program and those who attend school at least 100 miles from home.
Best Car Insurance in Oklahoma for Seniors
MoneyGeek rated top-performing providers in Oklahoma for seniors based on their affordability and customer service feedback. Our top two options for seniors in Oklahoma are:
- GEICO: MoneyGeek score of 90 out of 100 ($1,061 per year)
- State Farm: MoneyGeek score of 86 out of 100 ($1,027 per year)
MoneyGeek equally weighted cost and customer service to generate the above scores. For those more interested in affordability, we also found the cheapest Oklahoma car insurance for seniors.
MoneyGeek’s Pick: GEICO
pros
Affordable rates for seniors at an average of $1,061 per year.
Offers roadside assistance, rental car reimbursement and accident forgiveness.
Offers senior discounts to drivers over 50.
MoneyGeek financial stability and user satisfaction ratings of 5 out of 5.
cons
Does not offer discounts for paying in full or going paperless.
COMPANY HIGHLIGHTS
Although car insurance rates for seniors are generally higher, GEICO provides reasonable premiums and excellent service. Seniors can take advantage of the company's roadside assistance if they get a flat tire, experience being locked out of their car or other emergency situation. Additional services like towing and jump-starting are part of this coverage. With GEICO's rental car reimbursement coverage, senior drivers can get reimbursed for the cost of renting a vehicle if theirs is rendered inoperable for more than 24 hours due to a covered accident.
GEICO also offers elderly drivers the opportunity to save on their premiums. Most suitable for seniors, the company provides a discount to drivers over 50 years old. Also, seniors who complete a defensive driving course may receive additional discounts.
Best Car Insurance in Oklahoma for Bad Driving Records
For drivers with records of at-fault accidents, GEICO tops the list of the best insurers in Oklahoma for drivers with poor driving records.
The following top two companies in Oklahoma are affordable options for drivers with bad driving records:
- GEICO: MoneyGeek score of 89 out of 100 ($1,304 per year)
- State Farm: MoneyGeek score of 85 out of 100 ($1,221 per year)
After an accident or other driving violation, the possibility of the cost of insurance skyrocketing is likely one of your first thoughts. These two companies offer affordability and excellent service to drivers with bad driving records.
MoneyGeek also analyzed the cheapest car insurance in Oklahoma for those with a DUI or bad record, regardless of service quality.
MoneyGeek’s Pick: GEICO
pros
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
cons
Does not offer new car or better car replacement discounts
COMPANY HIGHLIGHTS
GEICO offers the best car insurance coverage in Oklahoma for drivers with poor driving records. The policy is relatively affordable at an average of $1,304 per year. 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, 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 premium surcharges after your first at-fault accident after five claim-free years as a GEICO customer.
Best Car Insurance in Oklahoma for a Military Background
Families with a military background can get the best rates from USAA. It ranks as the best car insurance provider for military personnel in Oklahoma based on MoneyGeek’s scoring system.
USAA scored a total of 100 out of 100. The state minimum coverage costs an average of $373 per year, while military drivers that don’t have clean driving records typically pay $1,185 per year.
MoneyGeek’s Pick: USAA
pros
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
cons
Limited to military members and their families
COMPANY HIGHLIGHTS
Generally, USAA consistently ranks as one of the cheapest insurers in Oklahoma and other states. Military members can take advantage of unique coverage and discount offers from USAA. This insurer 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 a covered accident.
- New Vehicle Discount: New vehicles that are three years old or newer can get additional discounts.
- Mileage Discount: Get deals based on your car’s annual mileage.
Best Car Insurance in Oklahoma for Those With New Cars
MoneyGeek reviewed Oklahoma auto insurance companies that offer new car replacement coverage and found that Allstate ranks as the best provider for this particular category.
- Allstate: MoneyGeek score of 81 out of 100 ($1,192 per year)
New car replacement coverage is a valuable add-on to standard insurance policies. This type of coverage ensures that you can replace your vehicle in the case of damage within a specified time period.
MoneyGeek’s Pick: Allstate
pros
Offers new car replacement
Claims rating score of 4 out of 5
Satisfaction score of 4.5 out of 5
cons
Somewhat expensive policy averaging $1,192 per year
Does not offer better car replacement coverage to its customers
COMPANY HIGHLIGHTS
With better car replacement coverage, you can get a newer model of your damaged car, even if it is not a direct replacement for the older model. However, it is essential to note that this additional coverage is not included in standard policies, so you must pay an additional fee.
Allstate is one of Oklahoma's best car insurance companies for new car owners. A car immediately loses value the moment it is driven off the lot, so this coverage also protects you in this regard. Allstate replaces your vehicle with a new model if it is two years old or newer.
New car replacement coverage provides significant peace of mind and protects your investment by replacing your damaged car with a new one when the unexpected happens.
Best Car Insurance in Oklahoma for Low-Mileage Drivers
The best insurance for low-mileage drivers in Oklahoma is Nationwide. Some insurers choose to reward their customers for low-mileage driving. It offers pay-per-mile car insurance coverage, which can save you money.
MoneyGeek’s Pick: Nationwide
pros
Nationwide SmartRide offers affordable coverage for people who drive infrequently
cons
Could be more expensive than standard insurance for people who drive frequently
COMPANY HIGHLIGHTS
If you drive occasionally, you may not require the same protection as a regular driver. A better option may be pay-per-mile car insurance coverage, which calculates premiums based on mileage.
In Oklahoma, the best pay-per-mile coverage comes from Nationwide SmartRide. It is as good as any Nationwide policy but with much more flexible rates and terms.
Through a monitoring device, it can track hard braking and acceleration, idle time and nighttime driving. SmartRide combines this behavior element with your mileage to determine your monthly premiums.
How to Find the Best Car Insurance in Oklahoma 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.
1
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.
2
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.
3
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.
4
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 relative to your profile or residence. Learning the answers to some commonly asked questions about auto insurance in Oklahoma can help you find the best deals.
About Mark Fitzpatrick
sources
- Oklahoma Insurance Department. "Choosing Your Automobile Insurance Policy." Accessed September 22, 2021.