BestCar InsuranceOklahomaBest Car Insurance in Oklahoma (May 2023)
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State Farm is MoneyGeek's top pick for full coverage and minimum insurance in Oklahoma. It’s also the best provider for young adults, seniors and those with driving violations. Shelter offers the best customer service, regardless of affordability. Allstate is our top pick for those with new cars, while USAA is the best for military drivers.
BestCar InsuranceOklahomaBest Car Insurance in Oklahoma
Best Overall - State Farm
Best for Service - Shelter
Best for Minimum Coverage - State Farm
Best for Young Adults - State Farm
Best for Seniors - State Farm
Best for Driving Offenses - State Farm
Best for New Cars - Allstate
Best for Military - USAA
Best Overall for Car Insurance in Oklahoma
State Farm came out on top as the best auto insurance carrier in Oklahoma. It has the lowest premiums and third-highest customer satisfaction out of the seven insurers we compared.
The following companies are the best overall:
- State Farm: MoneyGeek score of 89 out of 100 ($659 per year)
- GEICO: MoneyGeek score of 87 out of 100 ($814 per year)
We rated these companies based on factors like consumer feedback and the average insurance cost. We also found the most affordable full coverage car insurance for drivers in Oklahoma.
1
State FarmBest Overall
Score:87
Based on our findings, State Farm is the best option in Oklahoma because of its affordable rates and excellent customer service. A State Farm full coverage insurance policy in Oklahoma averages $669 per year.
More About State Farm
For those looking for full coverage auto insurance on the budget, State Farm Insurance has the lowest rates and the best customer service. Insurance from State Farm is affordable for most drivers, even those with poor driving records.
While State Farm doesn't offer many coverage choices, its optional extras will benefit most drivers. Its roadside assistance option helps you when you have difficulties on the road. It covers towing, mechanical repairs, lockout service, and delivery of tires, gas, oil or batteries.
In addition to offering the lowest price, State Farm provides various discounts, including for safe driving, having a new vehicle, and safety devices like daytime running lights and airbags.
According to studies conducted by J.D. Power and the National Association of Insurance Commissioners (NAIC), State Farm's policyholders are generally satisfied with the company's offerings. Nonetheless, improvements in claims handling are possible.
2
GEICO
Score:87
GEICO has high customer satisfaction and affordability scores, with full coverage policies costing $814 per year in Oklahoma. The company offers mechanical breakdown insurance (MBI), a unique feature.
More About GEICO
In Oklahoma, GEICO provides a winning combination of low rates and good customer service. The company has affordable premiums for most drivers and offers unique coverage options in addition to common coverages.
Common add-ons include roadside assistance, rental reimbursement and accident forgiveness. In the event of an accident that leaves your vehicle inoperable for longer than 24 hours, rental car reimbursement will help cover transportation costs while you wait for your car to be repaired.
Mechanical breakdown insurance is a unique feature GEICO offers, which provides more comprehensive protection at a lower cost than the typical dealer-extended warranty. It covers everything from the engine to the windshield wipers and is available for cars under 15 months old that have been driven under 15,000 miles, whether brand new or leased.
3
State Farm
Score:87
Based on our findings, State Farm is the best option in Oklahoma because of its affordable rates and excellent customer service. A State Farm full coverage insurance policy in Oklahoma averages $669 per year.
More About State Farm
For those looking for full coverage auto insurance on the budget, State Farm Insurance has the lowest rates and the best customer service. Insurance from State Farm is affordable for most drivers, even those with poor driving records.
While State Farm doesn't offer many coverage choices, its optional extras will benefit most drivers. Its roadside assistance option helps you when you have difficulties on the road. It covers towing, mechanical repairs, lockout service, and delivery of tires, gas, oil or batteries.
In addition to offering the lowest price, State Farm provides various discounts, including for safe driving, having a new vehicle, and safety devices like daytime running lights and airbags.
According to studies conducted by J.D. Power and the National Association of Insurance Commissioners (NAIC), State Farm's policyholders are generally satisfied with the company's offerings. Nonetheless, improvements in claims handling are possible.
4
GEICO
Score:87
GEICO has high customer satisfaction and affordability scores, with full coverage policies costing $814 per year in Oklahoma. The company offers mechanical breakdown insurance (MBI), a unique feature.
More About GEICO
In Oklahoma, GEICO provides a winning combination of low rates and good customer service. The company has affordable premiums for most drivers and offers unique coverage options in addition to common coverages.
Common add-ons include roadside assistance, rental reimbursement and accident forgiveness. In the event of an accident that leaves your vehicle inoperable for longer than 24 hours, rental car reimbursement will help cover transportation costs while you wait for your car to be repaired.
Mechanical breakdown insurance is a unique feature GEICO offers, which provides more comprehensive protection at a lower cost than the typical dealer-extended warranty. It covers everything from the engine to the windshield wipers and is available for cars under 15 months old that have been driven under 15,000 miles, whether brand new or leased.
How the Best Insurers in Oklahoma Rank: MoneyGeek Scores and Costs
While Oklahomans can choose from 13 vehicle insurance providers, State Farm comes out on top based on affordability and high quality of service, followed by GEICO. Conversely, Shelter has the second-highest customer satisfaction ratings overall but the most expensive rates.
Only insurance providers with enough information for every category can receive a MoneyGeek score. The following costs are for a full-coverage policy.
Best Car Insurance in Oklahoma for Customer Service
Shelter provides the best customer service in Oklahoma when not considering affordability. The top two companies are:
- Shelter: MoneyGeek score of 91 out of 100 ($1,163 per year)
- GEICO: MoneyGeek score of 86 out of 100 ($814 per year)
Shelter has the highest customer satisfaction, claims processing and coverage scores among seven providers. It also has the highest premiums. In contrast, State Farm is the cheapest option and still provides a high level of service.
pros
Offers a wide range of coverages
Ranked number 1 for customer satisfaction
Ranked number 1 for claims management
cons
Very expensive premiums
No better car replacement
COMPANY HIGHLIGHTS
Shelter is one of the most expensive auto insurance providers in Oklahoma, but it has a reputation for having an easy claims process along with stellar customer service. It also offers policyholders several discounts, including bundling, paying in full and safe driving.
Shelter offers key coverages like roadside assistance and new car replacement as part of its standard auto insurance plans. The company’s 24-hour-a-day Roadside Assistance service will pay for up to $100 in repairs per occurrence. Meanwhile, Shelter’s new car replacement coverage will provide you with a brand new vehicle of the same year, make and model if you meet the eligibility criteria. Shelter also offers optional collision, comprehensive insurance, PIP and medical payments coverage.
Unfortunately, Shelter doesn’t offer better car replacement or accident forgiveness. Its insurance is also only available in some states.
What Makes an Insurer the Best for Customer Service?
An auto insurance company with good customer service will treat you respectfully and resolve problems quickly. An effective claims management process can also help you get your payouts fast.
Shelter has the best ratings for customer satisfaction and the best claims score in Oklahoma, so it's a top choice for anyone looking for excellent service. State Farm, on the other hand, is a more budget-friendly alternative at $659 annually.
Best Car Insurance in Oklahoma for Minimum Coverage
We analyzed Oklahoma's most affordable minimum-coverage insurance providers, and State Farm came out on top.
- State Farm: MoneyGeek score of 91 out of 100 ($214 per year)
- Progressive: MoneyGeek score of 89 out of 100 ($239 per year)
State Farm's minimum coverage policy is affordable, and the company receives few complaints from policyholders. Keep in mind that while minimal coverage insurance may be the cheapest option, it will not pay for damages to other people's vehicles or your own if you cause an accident.
To help you find more options, MoneyGeek evaluated the cheapest providers with minimum coverage auto insurance in Oklahoma.
pros
Lowest cost
Offers discounts
Scored second for customer satisfaction.
cons
Lacks unique coverage add-ons
COMPANY HIGHLIGHTS
When it comes to car insurance in Oklahoma, State Farm offers the best deals. The company also provides additional savings through discounts for bundling, driving safely and having vehicle safety features. You can save money by avoiding accidents. State Farm offers a good driver discount to customers who have not had any accidents or traffic tickets for at least three years.
State Farm offers a discount of up to 40% off medical coverage for cars manufactured in 1993 or before that are fitted with an airbag or other passive restraint device from the factory. If your newer car has airbags or an anti-theft system, you can also score a discount. Finally, if you insure two or more vehicles with State Farm, you may be eligible for a discount.
What Makes an Insurer the Best for Minimum Coverage?
Minimum coverage car insurance costs less than full coverage but only offers the baseline protection required by law. If you're an Oklahoma motorist who needs affordable insurance and wants excellent service, consider State Farm's minimum coverage policy. Along with several discounts that can help you save, it also received a high score on the 2022 J.D. Power research study, indicating it provides good customer service.
Best Car Insurance in Oklahoma for Young Adults
Our analysis shows that State Farm is the best option for young drivers in terms of price and customer service. The best providers for young drivers in Oklahoma are:
- State Farm: MoneyGeek score of 89 out of 100 ($818 per year)
- GEICO: MoneyGeek score of 88 out of 100 ($954 per year)
Drivers in their 20s should expect to pay a higher premium than drivers in their 50s but a lower premium than teen drivers. You can find cheap Oklahoma young driver insurance by shopping around and comparing quotes from several providers.
pros
Offers the cheapest premiums at $818 per year
Ranked number 2 out of 7 for customer satisfaction
Offers discounts for safe driving, bundles and safety equipment
cons
Poor claims management rating
COMPANY HIGHLIGHTS
If you’re looking for affordable auto insurance for young adults in Oklahoma, State Farm offers the cheapest rates and ranks highly for customer satisfaction.
The Drive Safe and Save program can help young drivers reduce their monthly premiums. According to State Farm, drivers can participate and save up to 30% while also receiving a first-time discount for signing up. The program analyzes your driving habits and gives you a discount according to how safely you drive.
Typically, you can qualify for additional savings the newer and safer your car is. For instance, installing anti-theft systems can reduce your chance of having your car stolen, and State Farm will give young drivers a discount. Also, if you insure more than one car with State Farm, you qualify for a multi-car discount.
What Makes an Insurer the Best for Young Adults?
The best insurance for young adults offers discounts without sacrificing service or coverage quality. MoneyGeek found that State Farm has the most affordable premiums for young adults, offers discounts for safe driving, and has excellent customer service. Still, consider Shelter if a better claims management procedure is a priority.
Best Car Insurance in Oklahoma for Seniors
State Farm is our top choice for Oklahoma seniors who need auto insurance. Since price and service quality are very important to drivers in their 60s and older, the top providers in the senior category are:
- State Farm: MoneyGeek score of 90 out of 100 ($579 per year)
- Shelter: MoneyGeek score of 88 out of 100 ($920 per year)
State Farm had the second-highest customer satisfaction and the cheapest premiums of the seven insurance companies we evaluated. Premiums for drivers in their 60s are comparable to those for drivers in their 30s, 40s, and 50s but typically rise as policyholders reach 70. Compare quotes to find the cheapest Oklahoma senior auto insurance premiums.
pros
Cheapest insurer for seniors, at $579 per year
Second-highest customer satisfaction score
Offers rental car reimbursement and roadside assistance
cons
Limited coverage options
Low claims handling score
COMPANY HIGHLIGHTS
State Farm is an affordable auto insurance provider for seniors in Oklahoma, offering reliable customer service and basic coverages that many drivers need.
State Farm offers liability, comprehensive and collision coverage to protect senior drivers. Its roadside assistance add-on can come in handy for stranded seniors. However, the company does not provide other standard protections like reimbursement for medical expenses in the event of an accident, new car replacement, gap insurance or better car replacement.
If you want to lower your premium, bundling, multi-vehicle, safe-driver, defensive-driving and airbag discounts are just a few of the common auto insurance discounts available from State Farm. However, the company does not offer any of the more typical discounts, such as those for paying in full or going paperless.
What Makes an Insurer the Best for Seniors?
Seniors tend to drive very safely but have a higher risk of serious injury in an accident. Many senior drivers would benefit greatly from a low-cost policy that offers complete coverage, including personal injury protection (PIP).
Our top pick for seniors, State Farm, has the cheapest premiums and standard extras most seniors want for added safety when driving.
Best Car Insurance in Oklahoma for Drivers With Offenses
State Farm is an excellent option for auto insurance policyholders with traffic violations, at-fault accidents or DUIs on their records. Based on cost and customer feedback, the following are the top options for drivers with violations:
- State Farm: MoneyGeek score of 90 out of 100 ($734 per year)
- Allstate: MoneyGeek score of 85 out of 100 ($1,085 per year)
State Farm received the second-highest satisfaction rating and offered the lowest premiums of the seven companies we ranked. Since the average rate in Oklahoma increases by $149 following a speeding citation, $356 after an accident and $304 following a DUI, it is crucial that drivers with violations find affordable auto insurance after an incident in Oklahoma.
pros
Cheapest annual rates at $734 per year
Good reputation for customer service
Offers roadside assistance
cons
Has no accident forgiveness or new or better car replacement
COMPANY HIGHLIGHTS
State Farm offers the most competitive rates for full coverage in Oklahoma, even if you have incidents on your driving record. Overall customer satisfaction with the service is very high. However, the claims process might use some improvement. State Farm also offers affordable add-ons like roadside assistance and rental car coverage.
Auto insurance premiums for drivers who cause accidents are often higher than for safe drivers. It's important to remember that State Farm doesn't provide new car replacement or accident forgiveness as many other companies do. However, if you're on a tight budget, its rates are the lowest in Oklahoma. You can also get a Drive Safe & Save discount if you commit to better driving habits in the future and are willing to be monitored by a smartphone or in-car device.
What Makes an Insurer the Best for Drivers With Offenses?
It's common practice for insurance rates to be higher for drivers with a history of traffic offenses than for those without. Affordable services like accident forgiveness and car replacement should be standard fares from any insurer worth considering for these drivers. Even while State Farm doesn't include these coverages in its standard policies, it offers Oklahoma residents the lowest rates and several discounts.
Best Car Insurance in Oklahoma for Drivers With New Cars
For those looking for new car replacement in Oklahoma, MoneyGeek found that Allstate is the best option. We only considered insurers offering new or better car replacement for this ranking and based them on price and quality of service for Oklahoma residents driving a 2022 model year vehicle. Here are our top suggestions:
- Allstate: MoneyGeek score of 88 out of 100 ($1,286 per year)
- Farmers: MoneyGeek score of 78 out of 100 ($1,328 per year)
Although Allstate comes out on top in terms of cost and customer satisfaction, Farmers has the edge when it comes to claims management. With new car replacement, your insurance company provides you with a brand new vehicle of the same make and model if you total yours. With better car replacement, you'll get a newer model instead.
pros
Has the cheapest rates at $1,286 per year on average
Offers better car replacement
Scores well on customer satisfaction and broad coverage options
cons
No new car replacement
Claims process has poor ratings
COMPANY HIGHLIGHTS
If you’re looking for new car replacement coverage, Allstate's annual premiums are the lowest in Oklahoma at $1,286 per year. If you total your car, Allstate's new car replacement program will pay for a brand-new vehicle if your current vehicle is less than two years old. In contrast, most auto insurance policies only pay for your vehicle's depreciated worth.
Optional coverages for Allstate policies typically include roadside assistance, rental car reimbursement, accident forgiveness, new car replacement, gap insurance and deductible adjustment. Even though Allstate scored highly in J.D. Power's customer satisfaction evaluation, the insurance company's claims management was rated as below average. If this is a priority, Farmers has a higher score in this area but a more expensive premium at $1,328.
What Makes an Insurer the Best for Drivers With New Cars?
Motorists with brand-new vehicles should look for an insurance provider that offers them a comparable or better replacement vehicle if theirs is damaged beyond repair. Allstate's full coverage plan with new car replacement coverage is the most affordable option in Oklahoma, at $1,286 annually. Farmers' full coverage policy costs $42 more.
Best Car Insurance in Oklahoma for Military Drivers
With an overall MoneyGeek score of 94 out of 100, USAA is our top pick for the best vehicle insurance for military drivers. USAA's $559 annual full-coverage premium is the lowest in Oklahoma. If you qualify, USAA is your best bet for affordable insurance and coverages designed especially for military personnel and their families.
pros
Cheapest option in Oklahoma at an average of $559 per year
Provides accident forgiveness and roadside assistance
High scores for customer satisfaction
cons
Claims management and coverage options are rated average
COMPANY HIGHLIGHTS
According to a survey conducted by J.D. Power and the National Association of Insurance Commissioners, USAA has the highest customer satisfaction. In addition, USAA has the lowest insurance prices in Oklahoma, at only $559 per year and is responsive to customer inquiries. The company also offers free accident forgiveness to members who have gone five years without filing a claim. This benefit is in addition to roadside assistance and rental car coverage.
USAA offers multiple military discounts. For instance, if service members garage their cars on-base, they can save as much as 60%. Extra auto coverage is also available for those driving internationally or serving overseas. In addition, your auto insurance costs can be reduced by as much as 15% if you live on base.
How to Find the Best Car Insurance in Oklahoma for You
MoneyGeek provides insurance rates based on various driver profiles to help you find the best one for your needs. We prioritized cost and customer service in our rankings, but here are some suggestions if you'd prefer to do your own research.
1
Research customer service reputations in Oklahoma
Based on information from the J.D. Power customer satisfaction studies and the NAIC consumer complaint index, MoneyGeek ranked the top Oklahoma service providers. If you want more data, the Oklahoma Department of Insurance website contains additional information on various insurers to help your research.
2
Compare quotes
MoneyGeek’s premium estimates are based on the state-wide average for Oklahoma drivers and may not represent your circumstances. A good rule of thumb is to seek quotes from at least three providers when shopping for auto insurance.
3
Find the coverages you want in Oklahoma
Keep in mind that some insurance companies' policies and discounts may vary by state. Verify whether a coverage is available in your area by visiting the company’s website or contacting a service provider via phone or in person.
4
Check financial stability ratings
A company's financial stability reflects its ability to pay claims and meet other financial commitments. It's unusual for an auto insurance company to go bankrupt or refuse to pay claims because these firms are often large, diversified multinational organizations. However, smaller Oklahoma-based regional businesses may be less financially secure.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Oklahoma
Your unique needs and preferences should guide your decision on the best auto insurance policy in Oklahoma. This section can help answer questions you may have.
About Mark Fitzpatrick
sources
- J.D. Power. "2022 U.S. Auto Insurance Study." Accessed January 10, 2023.
- Allstate. "Student Discounts." Accessed February 1, 2023.
- Shelter Insurance. "Coverage Options." Accessed February 1, 2023.
- State Farm. "Auto Insurance Discounts." Accessed February 1, 2023.