Progressive is the cheapest car insurance company in Oklahoma for full coverage ($100 a month), minimum coverage ($30 a month), seniors ($80 a month) and after a DUI ($122 a month). American Farmers & Ranchers prices below every carrier on the page for young drivers ages 16 through 22 and females through age 24, and leads for bad credit at $189 a month. State Farm is the cheapest after a speeding ticket at $137 a month. Shelter Insurance leads for texting violations at $133 a month. GEICO becomes the cheapest for males at age 23 and females at age 25 as young drivers age out of AFR's range. Progressive's 4.98/5 MoneyGeek score is the highest in the state and among the best car insurers in Oklahoma.
Cheapest Car Insurance in Oklahoma for 2026
Updated: July 8, 2026
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Progressive | $30 | 4.98/5 | |
Progressive | $100 | 4.98/5 | |
American Farmers & Ranchers | $199-$240 | 4.17/5 | |
Progressive | $80 | 4.98/5 | |
State Farm | $137 | 4.36/5 | |
American Farmers & Ranchers | $136 | 4.17/5 | |
Progressive | $122 | 4.98/5 | |
Shelter Insurance | $133 | 4.24/5 | |
American Farmers & Ranchers | $189 | 4.17/5 | |
Progressive | $24 | 4.98/5 |
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Progressive
Best Cheap Car Insurance for Full Coverage in Oklahoma
Progressive charges $100 a month for full coverage and $30 a month for minimum coverage in Oklahoma. It also prices cheapest for seniors at $80 a month, after a DUI at $122 a month, and leads 18 of Oklahoma's 19 cities for minimum coverage. Progressive has the strongest customer experience score among Oklahoma insurers, and ranks second in the state for coverage options, so drivers get more add-on choices than most carriers offer at this price. Oklahoma doesn't require SR-22 after a DUI, but Progressive files them directly for drivers who need one for out-of-state requirements.
American Farmers & Ranchers
Best Cheap Car Insurance for Teens and Young Adults in Oklahoma
American Farmers & Ranchers (AFR) is the cheapest insurance company for Oklahoma teens ages 16 through 22 for both genders and for females through age 24, with rates starting at $199 a month for 16-year-old females and $240 a month for 16-year-old males. AFR is a regional Oklahoma insurer, not the national Farmers brand. Teen drivers file more claims than any other age group, and AFR has one of the lowest customer experience scores among the insurers on this page. If a claim arises, that's the trade-off for the lower rate. AFR also has the lowest coverage options score on this page, meaning fewer add-ons than most carriers.
Cheapest Car Insurance by Coverage Type in Oklahoma
Progressive | $30 | $100 | 4.98/5 |
GEICO | $42 | $109 | 4.44/5 |
Mercury Insurance | $41 | $115 | 4.56/5 |
Shelter Insurance | $51 | $122 | 4.24/5 |
State Farm | $39 | $132 | 4.36/5 |
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Cheapest Minimum Coverage in Oklahoma
Progressive has the cheapest minimum coverage in Oklahoma at $30 a month. At that price, you're buying the legal minimum, but if someone hits you, your insurer is still the one fighting for your payout, so who you pick matters. Progressive has the strongest overall rating and the best customer experience score among Oklahoma insurers. Quote Progressive first for minimum coverage in Oklahoma.
Cheapest Full Coverage in Oklahoma
Progressive is the cheapest full coverage option in Oklahoma at $100 a month. The $70 cost difference between its minimum and full coverage rates is more than double the difference between the cheapest and most expensive full coverage carrier in Oklahoma. Progressive ranks second in Oklahoma for coverage options, so full coverage drivers get more add-on choices here than from most carriers in the state.
Cheapest Car Insurance for Teens and Young Adults in Oklahoma
American Farmers & Ranchers is cheapest for 16-year-olds in Oklahoma at $240 a month for males and $199 a month for females. Rates drop $45 for males and $37 for females at 17, so re-quote before that birthday. AFR stays cheapest for both genders through age 22 and for females through age 24. At 23, GEICO becomes cheapest for males at $121 a month. Females switch at 25, when GEICO's $104 rate drops below AFR's $109. Teen drivers file more claims than any other age group, and both AFR and GEICO have below-average customer experience scores in Oklahoma. AFR's is the lower of the two, so the savings come with a tradeoff on service quality. Use the how to switch car insurance companies guide to time the carrier switch at 23 for males and 25 for females without a coverage gap.
American Farmers & Ranchers | $199 | American Farmers & Ranchers | $240 | |
American Farmers & Ranchers | $162 | American Farmers & Ranchers | $195 | |
American Farmers & Ranchers | $156 | American Farmers & Ranchers | $188 | |
American Farmers & Ranchers | $149 | American Farmers & Ranchers | $179 | |
American Farmers & Ranchers | $138 | American Farmers & Ranchers | $166 | |
American Farmers & Ranchers | $124 | American Farmers & Ranchers | $150 | |
American Farmers & Ranchers | $117 | American Farmers & Ranchers | $141 | |
American Farmers & Ranchers | $115 | GEICO | $121 | |
American Farmers & Ranchers | $112 | GEICO | $115 | |
American Farmers & Ranchers | $109 | GEICO | $104 |
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Cheapest Car Insurance for Seniors in Oklahoma
Progressive is the cheapest car insurance for seniors in Oklahoma at $80 per month, $20 less than its own standard adult full coverage rate. Mercury Insurance is next at $105 per month, but Progressive has a stronger customer experience score. Senior drivers file more claims than adults, and customer experience scores among insurers in Oklahoma are below average. Progressive has the best customer experience score available for seniors in Oklahoma. Switching to Progressive at renewal saves $300 per year compared to Mercury.
Progressive | $80 | 3.90/5 |
Mercury Insurance | $105 | 3.72/5 |
Shelter Insurance | $115 | 3.4/5 |
State Farm | $123 | 3.8/5 |
American Farmers & Ranchers | $126 | 3.48/5 |
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Cheapest Car Insurance by City in Oklahoma
Progressive is the cheapest provider in 18 of 19 Oklahoma cities, with minimum coverage ranging from $24 per month in Bartlesville to $34 in Tulsa, a $10 difference for the same policy and the same driver. Broken Arrow is the one exception, where American Farmers & Ranchers leads at $43 per month. That's $9 more than Progressive charges in its most expensive city, so you're paying extra for both the location and the carrier. The difference between the cheapest and most expensive full coverage carrier in Oklahoma is $32, so your insurer choice matters more than your city.
Bartlesville | Progressive | $24 |
Enid | Progressive | $25 |
Muskogee | Progressive | $25 |
Claremore | Progressive | $26 |
Duncan | Progressive | $26 |
Owasso | Progressive | $26 |
Ardmore | Progressive | $27 |
Lawton | Progressive | $27 |
Ponca City | Progressive | $27 |
Stillwater | Progressive | $29 |
Shawnee | Progressive | $30 |
Edmond | Progressive | $31 |
Progressive | $31 | |
Bixby | Progressive | $32 |
Midwest City | Progressive | $32 |
Moore | Progressive | $32 |
Oklahoma City | Progressive | $33 |
Progressive | $34 | |
Broken Arrow | American Farmers & Ranchers | $43 |
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Cheapest Car Insurance for High Risk Drivers in Oklahoma
A DUI in Oklahoma costs $22 more per month at Progressive, bringing the rate to $122. Oklahoma doesn't require SR-22 or FR-44 after a DUI, so there's no filing process to manage. State Farm is cheapest after a speeding ticket at $137 per month. American Farmers & Ranchers is cheapest after an at-fault accident at $136 per month and for bad credit at $189 per month. Oklahoma law prevents insurers from charging you more for accidents that weren't your fault, so if another driver caused the crash, your rate stays the same. Re-quote when Oklahoma's 3-year rate increase window closes. DUI drivers re-quoting Progressive after three years save $22 per month. At-fault drivers switching back to Progressive from AFR save $36 per month.
Speeding Ticket | State Farm | $137 | 3.8/5 |
At-Fault Accident | American Farmers & Ranchers | $136 | 3.48/5 |
DUI | Progressive | $122 | 3.90/5 |
Texting While Driving | Shelter Insurance | $133 | 3.4/5 |
Bad Credit | American Farmers & Ranchers | $189 | 3.48/5 |
Your Next Step:
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How to Get Cheaper Car Insurance in Oklahoma
Switching from State Farm to Progressive saves $32 per month ($384 per year) on full coverage in Oklahoma. Switching from full coverage to minimum coverage at Progressive saves $70 per month more.
- 1
Compare at least three Oklahoma insurers and save up to $32 per month
The cost difference between Progressive at $100 per month and State Farm at $132 per month is $32 per month. Quote Progressive, GEICO and Mercury before renewing. Those three cover the most competitive range in the state.
- 2
Match coverage to your vehicle's value and save $70 per month
Progressive's minimum coverage costs $30 per month and full coverage costs $100 per month, a $70 difference. When your car isn't worth more than what you'd spend on full coverage premiums over time, minimum coverage is the better call. Oklahoma's minimum doesn't include PIP or mandatory UM/UIM, so get a quote for both before dropping to minimum coverage. Drivers with a financed or leased vehicle owe full coverage by lender requirement. Use the Oklahoma car insurance calculator to confirm which coverage level fits your vehicle's current value.
- 3
Bundle home and auto in Oklahoma and save up to $1,517 per year
State Farm leads Oklahoma's home and auto bundle market at $4,085 per year with a 27% discount, saving policyholders $1,517 per year. Progressive is the cheapest standalone auto insurer in Oklahoma but isn't a bundle leader, so bundling likely means using a different carrier for your home policy. The best home and auto bundle in Oklahoma compares all bundle carriers by total premium and discount.
- 4
Re-quote when your rate increase window closes and recover up to $36 per month
Oklahoma's Insurance Department limits rate increases to three years for at-fault accidents and DUIs. After an at-fault accident with AFR at $136 per month, re-quoting Progressive once the three years are up saves $36 per month. After a DUI at Progressive, re-quoting at year three confirms whether the rate drops back to $100 per month, saving $22 per month. Mark the date three years from the violation and re-quote before your next renewal.
- 5
Improve your credit score before renewal and save up to $89 per month
Oklahoma permits credit-based insurance scoring. AFR charges $189 per month for full coverage with bad credit. Progressive charges $100 per month with good credit. That's an $89 difference. Improving your credit before renewal and re-quoting captures that $89 difference. Re-quote 30 to 45 days before renewal so the improved score is reflected at renewal.
- 6
Use carrier discount programs
Telematics programs track your driving through a mobile app and can lower your rate at renewal. Poor driving can raise your rate with most programs. Enroll when your driving reflects how you normally drive.
Progressive Snapshot: Drivers who save with Snapshot save an average of $328 per year. Your rate could increase with high-risk driving during the monitoring period.
GEICO DriveEasy: Available in Oklahoma through the GEICO mobile app. Tracks braking, acceleration, phone usage and time of day. Safe drivers can earn discounts of 5% to 15% at renewal. Poor driving can raise your rate.
MoneyGeek's Oklahoma car insurance rates come from Quadrant Information Services, which pulls premium data directly from insurer filings with the Oklahoma Insurance Department. Every rate filed in Oklahoma is a matter of public record. MoneyGeek tracked every residential ZIP code in Oklahoma and updated rates monthly. All data reflects 2025 filing rates.
The baseline driver profile is a 40-year-old male driving a 2012 Toyota Camry LE, with a clean driving record, good credit, 12,000 miles annually, and no prior claims. Full coverage equals 100/300/100 liability limits with a $1,000 deductible for comprehensive and collision. Minimum coverage equals Oklahoma's state-mandated minimum: 25/50/25 liability with no PIP and no UM/UIM.
Profile variations used on this page:
Young drivers: Ages 16 through 25, standalone policies, split by gender (Oklahoma permits gender-based rating).
Seniors: A 70-year-old driver with the same vehicle and coverage as the baseline profile.
Violations: Baseline profile with one driving record variable changed; all other variables held constant. Violations modeled: speeding 11 to 15 mph over the limit, at-fault accident ($1,000 to $1,999 property damage), DUI (BAC at or above .08), and texting while driving.
Poor credit: Baseline profile with credit tier changed to poor. Oklahoma permits credit-based insurance scoring.
Coverage tiers: Full coverage (100/300/100 with $1,000 deductible) and minimum coverage (25/50/25 liability only, per Oklahoma law).
USAA is excluded from all provider tables; it is available only to military members, veterans, and immediate family. Eligible drivers should include USAA in any quote comparison.
MoneyGeek scores carriers on three factors: Affordability (60% of score, normalized rates across all carriers within each driver profile); Customer Experience (30%, five components including J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings, and Google Business ratings, with 2024 to 2025 data weighted twice as heavily as older data); Coverage Options (10%, breadth of available add-on coverages).
Oklahoma is an at-fault state. Oklahoma does not require SR-22 or FR-44 certification after a DUI conviction. Oklahoma permits credit-based insurance scoring and gender-based rating.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.