Depending on your driver profile and individual needs, the best and cheapest auto insurer in Oklahoma City can vary.
State Farm is the best auto insurance company overall and the best cheap insurer. It has the lowest rates for minimum and full coverage, and it’s also the cheapest option for teen girls and drivers with violations. However, Allstate has the most affordable policies for teen boys, while USAA offers the lowest rates for military families.
For those who are willing to spend more on their premiums in exchange for the best customer service, Shelter is a great option.
Cheapest and Best Car Insurance in Oklahoma City, OK
Cheapest Minimum Liability Car Insurance in Oklahoma City
The cheapest car insurance in Oklahoma City is a minimum coverage policy from one of the following insurers:
- State Farm: $284 per year
- Progressive: $315 per year
In comparison, Home State Ins Group is the most expensive at $675 per year. It’s important to shop around and compare quotes if you want to save money.
Location also matters when calculating rates. Based on MoneyGeek’s comparison of policy rates, Oklahoma City is a little more expensive than other cities in the state. On a statewide basis, the cheapest car insurance in Oklahoma for minimum coverage is also from State Farm, at an average rate of just $233 per year as of October 2022.
In Oklahoma, drivers are required to carry bodily injury and property damage liability coverage to drive legally:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
If you have an at-fault accident with minimum coverage insurance, your insurer will only pay up to these amounts. For example, if you cause $80,000 of injuries in an accident, your insurance company will pay for $50,000, while you’ll cover the additional $30,000 yourself.
Cheapest Full Coverage Car Insurance in Oklahoma City
Drivers looking for a full coverage policy in Oklahoma City should consider the following insurers with the most affordable rates:
- State Farm: $695 per year
- Mercury: $876 per year
Home State is the most expensive company we reviewed for Oklahoma City, with an average annual rate of $1,538 for full coverage.
Zooming out for a statewide look, the cheapest full coverage car insurance in Oklahoma is also from State Farm at $718 per year as of October 2022.
A full coverage policy contains collision and comprehensive insurance in addition to liability coverage. This type of policy protects drivers financially against the cost of damages to their own vehicles.
- Collision Insurance: Protects drivers against collision damages, such as with another vehicle or an inanimate object.
- Comprehensive Insurance: Protects drivers against other types of damage from theft, riots, natural disasters, fallen objects and so on.
If you own a new car, a full coverage policy is ideally the best type of coverage to get. Contrastingly, if you own an old vehicle, you might need to assess whether your car is worth paying hundreds more per year for expanded coverage.
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Cheapest Car Insurance in Oklahoma City After a Driving Offense
Driving violations cause rates to increase significantly. The following companies offer the cheapest car insurance in Oklahoma City after a driving violation:
- Speeding ticket: State Farm ($775 per year)
- At-fault accident: State Farm ($838 per year)
- DUI: State Farm ($775 per year)
Meanwhile, Shelter has the highest rates for drivers with speeding tickets ($1,912 per year) and at-fault accidents ($2,469), while Oklahoma Farm Bureau has the most expensive policy for drivers with DUIs ($2,285).
Bad driving records significantly increase rates. The cheapest policy for a driver with violations will usually be much more expensive than a similar policy for a safe driver.
Rates tend to increase as driving violations become more severe. Shopping for the cheapest auto insurance with a bad driving record can help drivers save on premiums.
For instance, the cheapest policy for a driver with at-fault accidents in Oklahoma City costs $63 more than the most affordable plan for a driver with speeding tickets.
Cheapest Car Insurance in Oklahoma City for Teens and Their Families
Due to their lack of experience driving, car insurance for teens tends to be expensive. These companies offer the lowest rates for adding a teen driver to a family policy in OKC:
- State Farm: $2,047 per year for teen girls; Allstate: $2,283 per year for teen boys
- Allstate: $2,151 for teen girls; State Farm: $2,555 for teen boys
Farmers offers Oklahoma City teen drivers the most expensive annual rates at an average of $3,034 for teen girls and $3,220 for teen boys.
Rates are usually higher for teen boys because they are riskier drivers. However, rates begin to even out as teens mature into young adults.
Car insurance for teens can cost a fortune, especially if they buy an individual policy. MoneyGeek recommends shopping around for cheap car insurance for teens and adding teens to a family policy in order to save.
On a family policy, a 16-year-old teen boy in Oklahoma City pays around $2,391 per year. Getting an individual policy costs nearly three times as much at $6,344 per year.
Cheapest Car Insurance in Oklahoma City for Military Drivers
MoneyGeek ranked insurers for the cheapest auto insurance for military members and their families. The following insurers ranked as the most affordable in Oklahoma City:
- USAA: $610 per year
- State Farm: $695 per year
USAA consistently ranks as the best insurer for military drivers as its coverages and discounts are tailored to their needs.
USAA and State Farm also have the lowest rates for minimum coverage, averaging $223 and $284 per year, respectively.
How to Compare Cheap Oklahoma City Car Insurance Quotes Online
Getting a car insurance quote online takes 15 minutes or more for just one insurer. Drivers need to provide personal information to go through the application process.
MoneyGeek’s online calculator will quickly give you a cost estimate based on age, vehicle type, coverage level and driving record.
Each policy year, it’s a good idea to revisit your insurance policy and shop for coverage that suits your current financial situation and needs.
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See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Oklahoma City: Summary
The best car insurance in Oklahoma (and in Oklahoma City) can vary depending on your needs and priorities. Since coverage requirements and budget are unique, the best company will depend on how much a driver values cost, service coverage and other factors.
MoneyGeek’s review of insurers in Oklahoma City considers the following companies as the best for each general category:
- Best overall: State Farm (MoneyGeek score of 76 out of 100)
- Best for service: Shelter (MoneyGeek score of 68 out of 100)
- Best cheap: State Farm (MoneyGeek score of 78 out of 100)
A company’s overall MoneyGeek score can change as the weight of factors is adjusted in each category.
USAA auto insurance, which scored 85 out of 100, ranked as the best car insurance provider for veterans and military members.
Best Overall Car Insurance in Oklahoma City
Overall, the best car insurance companies in Oklahoma City are the following:
- State Farm: MoneyGeek score of 76 out of 100 ($695 per year)
- GEICO: MoneyGeek score of 68 out of 100 ($912 per year)
State Farm ranked first for affordability and second for customer satisfaction in Oklahoma City, making it the best overall insurer.
Aside from these two insurers, USAA auto insurance (MoneyGeek score of 85 out of 100) is another option worth considering if you have a military background.
How was this MoneyGeek score calculated?
Ranks #1 for affordability
Ranks #2 for customer satisfaction
Offers rental car reimbursement and roadside assistance
Few coverage options available
Ranks #6 out of 7 insurers for claims management
State Farm auto insurance earned an overall MoneyGeek score of 76 out of 100. Full coverage policies from this insurer cost $695 per year, making it the cheapest insurer in Oklahoma City.
One drawback of State Farm is that it offers very few add-on coverage options. That said, you can get rental car reimbursement coverage, which pays for rental car expenses up to your chosen limits. It also covers travel expenses of up to $500 and deductible repayment at the same limits if you cause an accident in your rental car.
You can also sign up for State Farm’s roadside assistance, which helps get your stranded car back on the road. It pays for mechanical labor, towing, tire changes, locksmith labor and more.
Best Car Insurance in Oklahoma City for Customer Service
Without considering cost, the following insurers earned the highest overall MoneyGeek score in Oklahoma City for the best customer service:
- Shelter: MoneyGeek score of 68 out of 100 ($1,393 per year)
- State Farm: MoneyGeek score of 58 out of 100 ($695 per year)
Out of seven insurers, Shelter earned the highest scores for claims management, coverage options and customer satisfaction. However, its policies tend to be expensive, so you’ll need to pay a high price to get the best possible customer service.
How was this MoneyGeek score calculated?
High scores for claims management and customer satisfaction
Several add-on coverages available
Does not offer accident forgiveness or deductible modification
Shelter auto insurance has an excellent reputation for customer satisfaction and claims management, making it the best option for drivers who prioritize service quality. However, at $1,393 per year, premiums for Shelter policies are much more expensive than most competitors.
Shelter offers most common coverage options, including new car replacement coverage. This coverage ensures that your car is replaced with a brand-new car of the same make and model if it is totaled within one year and has less than 15,000 miles. Even better is the fact that Shelter includes new car replacement coverage in its policies, whereas most competitors make you pay extra.
Shelter policyholders can add gap insurance to their plans. If your car is totaled and your collision coverage doesn’t cover the amount you still owe on your loan or lease, Shelter will pay for the difference.
Best Cheap Car Insurance in Oklahoma City
Based on MoneyGeek’s analysis, the following companies provide the best combination of affordability and service quality for minimum coverage in Oklahoma City:
- State Farm: MoneyGeek score of 78 out of 100 ($284 per year)
- Progressive: MoneyGeek score of 75 out of 100 ($315 per year)
The cheapest minimum coverage in Oklahoma City will have the lowest rates. However, this policy provides limited protection for third-party liability costs and no protection for your own vehicle.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $284 per year
Offers discounts for bundling, multiple cars and seatbelt use
High customer satisfaction score
Mediocre claims management score
State Farm has the cheapest car insurance policies in Oklahoma City, and it also earns high scores for customer satisfaction. This combination of attributes makes State Farm an easy choice for the best cheap insurer in OKC.
With State Farm, you can access many common discounts, including those for bundling home and auto insurance, insuring multiple cars and driving safely. It also provides discounts for airbags, anti-theft systems and completing a defensive driving or driver’s education course.
State Farm also offers some rare discounts, such as affinity discounts for teachers, federal employees, military members deployed in emergencies and members of specific alumni organizations, fraternities, sororities and professional organizations.
Finally, you can even get discounts for always using your seatbelt or having daytime running lights.
Average Cost of Car Insurance in Oklahoma City
The average annual cost of full coverage car insurance in Oklahoma City is $1,103 as of October 2022. Comparing this to the average cost of car insurance in Oklahoma ($1,040 per year), Oklahoma City drivers pay around $63 more annually. Meanwhile, the national average cost of car insurance ($1,265 per year) is $162 more than the average rate in Oklahoma City.
Location is one of several important factors that affect your car insurance rates.
About Mark Fitzpatrick