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Mercury offers the cheapest minimum coverage car insurance in Oklahoma. Meanwhile, you may also consider GEICO, State Farm and Farmers as they offer the cheapest policies for certain types of drivers.

Those who wish to strike a balance between affordability and quality of service should look for the best auto insurance in Oklahoma.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Oklahoma (September 2023)

The cheapest auto insurance providers in Oklahoma for a minimum coverage policy are:

  • Mercury: $269 per year
  • Progressive: $277 per year

With an average annual premium of $634, Allstate is the most costly car insurance provider in the state for this coverage level, based on the companies that MoneyGeek analyzed.

Only bodily insurance liability (BIL) and property damage liability (PDL) are covered by the state's minimum auto insurance requirements.

Company
Annual Premium
Monthly Premium

Progressive

$255

$21

Mercury

$269

$22

Progressive

$277

$23

State Farm

$300

$25

State Farm

$323

$27

Progressive

$332

$28

Mercury

$343

$29

Shelter

$346

$29

Mercury

$346

$29

GEICO

$359

$30

State Farm

$388

$32

GEICO

$421

$35

GEICO

$428

$36

Shelter

$435

$36

Oklahoma Farm Bureau

$456

$38

Farmers

$464

$39

Oklahoma Farm Bureau

$508

$42

Farmers

$522

$44

Home State Ins Group

$579

$48

Home State Ins Group

$618

$51

Farmers

$620

$52

Allstate

$634

$53

Allstate

$652

$54

Home State Ins Group

$660

$55

Shelter

$678

$57

Allstate

$709

$59

GEICO

$808

$67

Oklahoma Farm Bureau

$830

$69

Mercury

$837

$70

State Farm

$842

$70

GEICO

$848

$71

Shelter

$893

$74

Mercury

$931

$78

State Farm

$960

$80

GEICO

$977

$81

Allstate

$1,022

$85

Farmers

$1,065

$89

Farmers

$1,075

$90

Oklahoma Farm Bureau

$1,094

$91

Progressive

$1,106

$92

Mercury

$1,115

$93

Shelter

$1,123

$94

Allstate

$1,130

$94

Allstate

$1,133

$94

State Farm

$1,186

$99

Progressive

$1,270

$106

Oklahoma Farm Bureau

$1,286

$107

Farmers

$1,399

$117

Home State Ins Group

$1,440

$120

Home State Ins Group

$1,478

$123

Home State Ins Group

$1,612

$134

Progressive

$1,626

$136

Shelter

$1,704

$142

Oklahoma Farm Bureau

$1,827

$152

Injuries or damages you cause to others are covered by a minimum coverage policy, but your own car is not covered. You should purchase a full coverage policy with comprehensive and collision coverage to pay for damages to your vehicle.

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Cheapest Full Coverage Car Insurance in Oklahoma (September 2023)

MoneyGeek found that the following insurance companies in Oklahoma are the cheapest options for a full coverage policy:

  • GEICO: $808 per year
  • Mercury: $837 per year

The most expensive insurer in the state for full coverage is Home State Insurance Group, which charges around $1,440 annually.

Your annual rate will increase if you add comprehensive and collision coverage to get full coverage instead of a minimum coverage policy. In the case of GEICO, full coverage insurance is $449 more expensive than minimum coverage insurance.

The full coverage policy will financially protect you against both on- and off-road incidents. On-road incidents include running into a tree or being involved in a hit-and-run, whereas off-road incidents include damages from weather, fire, theft and more.

Company
Annual Premium
Monthly Premium

Progressive

$255

$21

Mercury

$269

$22

Progressive

$277

$23

State Farm

$300

$25

State Farm

$323

$27

Progressive

$332

$28

Mercury

$343

$29

Shelter

$346

$29

Mercury

$346

$29

GEICO

$359

$30

State Farm

$388

$32

GEICO

$421

$35

GEICO

$428

$36

Shelter

$435

$36

Oklahoma Farm Bureau

$456

$38

Farmers

$464

$39

Oklahoma Farm Bureau

$508

$42

Farmers

$522

$44

Home State Ins Group

$579

$48

Home State Ins Group

$618

$51

Farmers

$620

$52

Allstate

$634

$53

Allstate

$652

$54

Home State Ins Group

$660

$55

Shelter

$678

$57

Allstate

$709

$59

GEICO

$808

$67

Oklahoma Farm Bureau

$830

$69

Mercury

$837

$70

State Farm

$842

$70

GEICO

$848

$71

Shelter

$893

$74

Mercury

$931

$78

State Farm

$960

$80

GEICO

$977

$81

Allstate

$1,022

$85

Farmers

$1,065

$89

Farmers

$1,075

$90

Oklahoma Farm Bureau

$1,094

$91

Progressive

$1,106

$92

Mercury

$1,115

$93

Shelter

$1,123

$94

Allstate

$1,130

$94

Allstate

$1,133

$94

State Farm

$1,186

$99

Progressive

$1,270

$106

Oklahoma Farm Bureau

$1,286

$107

Farmers

$1,399

$117

Home State Ins Group

$1,440

$120

Home State Ins Group

$1,478

$123

Home State Ins Group

$1,612

$134

Progressive

$1,626

$136

Shelter

$1,704

$142

Oklahoma Farm Bureau

$1,827

$152

Your premium will be significantly impacted by how much insurance you need. The sample full coverage policy from MoneyGeek provides liability coverage of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident

Drivers who are looking to save more can try lowering their liability limits, choosing minimum coverage insurance or raising the deductible, although doing so increases the likelihood that an accident won't be adequately covered and could leave you financially vulnerable to a substantial loss.

How to Compare Cheap Oklahoma Car Insurance Quotes Online

Car insurance providers typically provide a quote tool online, and it may take up to 15 minutes and necessitate entering personal information. Furthermore, it takes additional time to enter your information on various insurance websites in order to compare rates.

MoneyGeek provides an auto insurance calculator so you can acquire a quick estimate without having to give personal information to numerous insurers. Choose your age, gender and driving history to get started.

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See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Cheapest Car Insurance in Oklahoma by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in Oklahoma. MoneyGeek found that Allstate, GEICO and State Farm offer the cheapest options on average, depending on what age group you and your family belong to.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Allstate
Cheapest for young adults: GEICO
Cheapest for seniors: State Farm

Cheapest Car Insurance in Oklahoma for Teens and Their Families (September 2023)

Teen drivers covered by a parent's policy can frequently find the least costly car insurance in Oklahoma from the following providers:

  • Allstate: $1,948 per year for male teens and $1,833 per year for female teens
  • Progressive: $2,296 per year for male teens State Farm: $1,866 per year for female teens

At an average of $2,753 per year for boys and $2,598 for girls, Farmers charges the highest rate for adding teen drivers to a parent's policy.

These premiums are for a 16-year-old who is covered by their parent's insurance. It normally costs much less to add a teen to your insurance than for them to have their own policy. In most cases, it is illegal for a teen under 18 to purchase auto insurance. They must have a parent or guardian as a co-signer.

If a 16-year-old Oklahoman purchases his own coverage, they spend an average of $6,344 a year as opposed to $2,391 if their parents add them to an existing policy. It's a significant difference of $3,953.

Teenagers across the U.S. tend to have declining car insurance premiums as they age, with 19-year-olds getting the most affordable rates. In Oklahoma, the insurer with the cheapest rates for 19-year-old males is Allstate ($1,714 per year).

Company
Family Plan Annual Premium
Individual Plan Annual Premium

State Farm

$996

$1,031

State Farm

$1,081

$1,118

State Farm

$1,092

$1,129

Allstate

$1,122

$3,143

Allstate

$1,142

$1,557

State Farm

$1,153

$1,193

State Farm

$1,190

$1,380

State Farm

$1,205

$1,246

Allstate

$1,214

$1,272

Farmers

$1,216

$1,377

Allstate

$1,225

$1,255

Farmers

$1,225

$1,448

Allstate

$1,226

$1,777

GEICO

$1,236

$1,699

GEICO

$1,250

$1,171

State Farm

$1,252

$1,295

Allstate

$1,275

$1,308

GEICO

$1,296

$4,480

State Farm

$1,303

$1,348

State Farm

$1,333

$1,546

Allstate

$1,343

$1,407

GEICO

$1,347

$4,654

Progressive

$1,352

$1,635

Allstate

$1,352

$1,843

Allstate

$1,362

$1,396

GEICO

$1,371

$1,832

GEICO

$1,389

$1,301

GEICO

$1,398

$1,239

State Farm

$1,400

$1,628

Allstate

$1,416

$3,917

Allstate

$1,424

$3,988

State Farm

$1,443

$1,493

Allstate

$1,456

$1,493

Allstate

$1,456

$1,526

GEICO

$1,466

$1,372

State Farm

$1,477

$1,712

State Farm

$1,484

$1,924

Progressive

$1,504

$1,353

GEICO

$1,528

$4,598

Allstate

$1,550

$2,245

Allstate

$1,560

$1,634

Progressive

$1,562

$1,996

GEICO

$1,569

$1,391

Allstate

$1,579

$2,154

State Farm

$1,612

$1,874

GEICO

$1,634

$1,448

Progressive

$1,636

$1,295

Progressive

$1,651

$1,485

State Farm

$1,665

$2,158

Allstate

$1,678

$4,643

Allstate

$1,714

$2,484

Progressive

$1,750

$1,385

Farmers

$1,753

$2,439

GEICO

$1,756

$1,556

GEICO

$1,762

$2,421

GEICO

$1,785

$1,671

State Farm

$1,811

$2,105

Progressive

$1,814

$1,632

Farmers

$1,819

$6,018

GEICO

$1,827

$2,441

State Farm

$1,832

$2,375

Allstate

$1,833

$5,136

Progressive

$1,839

$1,456

State Farm

$1,866

$2,419

Farmers

$1,871

$2,678

Progressive

$1,895

$2,292

Farmers

$1,907

$6,485

Farmers

$1,908

$2,161

Farmers

$1,936

$2,288

Farmers

$1,938

$2,195

Progressive

$1,939

$1,534

Allstate

$1,948

$5,390

Progressive

$1,964

$5,082

Progressive

$1,982

$1,784

Farmers

$1,987

$6,572

GEICO

$1,988

$2,731

Farmers

$1,991

$2,769

Farmers

$1,994

$2,357

Progressive

$2,011

$2,570

Farmers

$2,053

$2,325

GEICO

$2,056

$2,746

State Farm

$2,065

$2,677

Farmers

$2,081

$2,978

Farmers

$2,095

$7,126

Progressive

$2,120

$2,565

Farmers

$2,128

$2,959

Progressive

$2,136

$5,528

Progressive

$2,136

$5,613

Farmers

$2,158

$2,552

Farmers

$2,212

$3,165

Progressive

$2,223

$5,753

Progressive

$2,266

$2,897

GEICO

$2,291

$6,894

Progressive

$2,296

$6,031

State Farm

$2,324

$3,013

Progressive

$2,389

$6,277

GEICO

$2,493

$8,615

Farmers

$2,598

$8,595

GEICO

$2,634

$7,925

Farmers

$2,753

$9,362

mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens due to their higher accident frequency rate. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Many insurance companies, including State Farm, Farmers, Allstate and Progressive, give discounts to both distant and good students. However, GEICO only offers teen drivers a good student discount.

Cheapest Car Insurance in Oklahoma for Young Adults (September 2023)

The cheapest auto insurance rates for young adults in Oklahoma are offered by the following companies:

  • GEICO: $977 per year
  • Mercury: $1,115 per year

With an average yearly premium of $1,827, Oklahoma Farm Bureau offers young adults the most expensive car insurance plan in the state.

Meanwhile, 25-year-old drivers in Oklahoma pay about $169 more than 40-year-olds for their insurance coverage with GEICO.

Company
Annual Premium
Monthly Premium

Progressive

$255

$21

Mercury

$269

$22

Progressive

$277

$23

State Farm

$300

$25

State Farm

$323

$27

Progressive

$332

$28

Mercury

$343

$29

Shelter

$346

$29

Mercury

$346

$29

GEICO

$359

$30

State Farm

$388

$32

GEICO

$421

$35

GEICO

$428

$36

Shelter

$435

$36

Oklahoma Farm Bureau

$456

$38

Farmers

$464

$39

Oklahoma Farm Bureau

$508

$42

Farmers

$522

$44

Home State Ins Group

$579

$48

Home State Ins Group

$618

$51

Farmers

$620

$52

Allstate

$634

$53

Allstate

$652

$54

Home State Ins Group

$660

$55

Shelter

$678

$57

Allstate

$709

$59

GEICO

$808

$67

Oklahoma Farm Bureau

$830

$69

Mercury

$837

$70

State Farm

$842

$70

GEICO

$848

$71

Shelter

$893

$74

Mercury

$931

$78

State Farm

$960

$80

GEICO

$977

$81

Allstate

$1,022

$85

Farmers

$1,065

$89

Farmers

$1,075

$90

Oklahoma Farm Bureau

$1,094

$91

Progressive

$1,106

$92

Mercury

$1,115

$93

Shelter

$1,123

$94

Allstate

$1,130

$94

Allstate

$1,133

$94

State Farm

$1,186

$99

Progressive

$1,270

$106

Oklahoma Farm Bureau

$1,286

$107

Farmers

$1,399

$117

Home State Ins Group

$1,440

$120

Home State Ins Group

$1,478

$123

Home State Ins Group

$1,612

$134

Progressive

$1,626

$136

Shelter

$1,704

$142

Oklahoma Farm Bureau

$1,827

$152

Cheapest Car Insurance in Oklahoma for Seniors (September 2023)

For seniors in Oklahoma, the following insurance providers offer the lowest rates:

  • State Farm: $842 per year
  • GEICO: $848 per year

The most expensive auto insurance for 65-year-old seniors is provided by Home State Insurance Group and costs an average of $1,478 annually.

In the case of State Farm, we estimate that drivers in their 60s typically pay $118 less per year for auto insurance than middle-aged drivers. As drivers enter their 70s and 80s, rates continue to rise.

Company
Annual Premium
Monthly Premium

Progressive

$255

$21

Mercury

$269

$22

Progressive

$277

$23

State Farm

$300

$25

State Farm

$323

$27

Progressive

$332

$28

Mercury

$343

$29

Shelter

$346

$29

Mercury

$346

$29

GEICO

$359

$30

State Farm

$388

$32

GEICO

$421

$35

GEICO

$428

$36

Shelter

$435

$36

Oklahoma Farm Bureau

$456

$38

Farmers

$464

$39

Oklahoma Farm Bureau

$508

$42

Farmers

$522

$44

Home State Ins Group

$579

$48

Home State Ins Group

$618

$51

Farmers

$620

$52

Allstate

$634

$53

Allstate

$652

$54

Home State Ins Group

$660

$55

Shelter

$678

$57

Allstate

$709

$59

GEICO

$808

$67

Oklahoma Farm Bureau

$830

$69

Mercury

$837

$70

State Farm

$842

$70

GEICO

$848

$71

Shelter

$893

$74

Mercury

$931

$78

State Farm

$960

$80

GEICO

$977

$81

Allstate

$1,022

$85

Farmers

$1,065

$89

Farmers

$1,075

$90

Oklahoma Farm Bureau

$1,094

$91

Progressive

$1,106

$92

Mercury

$1,115

$93

Shelter

$1,123

$94

Allstate

$1,130

$94

Allstate

$1,133

$94

State Farm

$1,186

$99

Progressive

$1,270

$106

Oklahoma Farm Bureau

$1,286

$107

Farmers

$1,399

$117

Home State Ins Group

$1,440

$120

Home State Ins Group

$1,478

$123

Home State Ins Group

$1,612

$134

Progressive

$1,626

$136

Shelter

$1,704

$142

Oklahoma Farm Bureau

$1,827

$152

Seniors in Oklahoma are eligible for specific discounts from Allstate, GEICO, Shelter, Mercury and Farmers. Because age is just one aspect that insurers take into consideration when determining premiums, comparing providers is the most straightforward way to find affordable and competitive coverage.

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

State Farm offers the most affordable rates for drivers in Oklahoma who have tickets, at-fault accidents and DUIs on their records. Drivers with a history of traffic violations usually pay higher prices for auto insurance.

By enrolling in state-approved driving classes and regularly verifying your motor vehicle record for errors, you can raise your profile over time and receive better rates as a result.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: State Farm ($1,043 per year)
Cheapest after an accident: State Farm ($1,117 per year)
Cheapest after a DUI: State Farm ($1,043 per year)
Cheapest for poor credit: Mercury ($1,162 per year)
Cheapest for sports cars: Farmers ($1,103 per year)

Cheapest Car Insurance in Oklahoma After a Ticket

For drivers who have received a speeding ticket in Oklahoma, the following auto insurance providers offer the most affordable full coverage policies:

  • State Farm: $1,043 per year
  • GEICO: $1,086 per year

With a yearly premium averaging $1,644, Progressive is the most expensive insurer in the state for this type of offender. A speeding ticket might cause your auto insurance rates to increase by an average of $239 in Oklahoma, and a speeding ticket surcharge will be applied to your insurance premium bill for at least three years.

Company
Annual Premium
Monthly Premium

State Farm

$343

$29

Progressive

$354

$30

State Farm

$365

$30

Progressive

$376

$31

Mercury

$385

$32

Progressive

$408

$34

State Farm

$445

$37

GEICO

$459

$38

Mercury

$466

$39

Oklahoma Farm Bureau

$473

$39

Mercury

$489

$41

GEICO

$512

$43

Shelter

$515

$43

Oklahoma Farm Bureau

$526

$44

GEICO

$564

$47

Home State Ins Group

$606

$50

Farmers

$621

$52

Home State Ins Group

$647

$54

Shelter

$658

$55

Farmers

$690

$57

Home State Ins Group

$691

$58

Allstate

$707

$59

Allstate

$707

$59

Farmers

$736

$61

Allstate

$775

$65

Oklahoma Farm Bureau

$859

$72

Shelter

$888

$74

State Farm

$929

$77

State Farm

$1,043

$87

GEICO

$1,086

$90

Oklahoma Farm Bureau

$1,124

$94

Mercury

$1,129

$94

Allstate

$1,185

$99

Shelter

$1,223

$102

GEICO

$1,238

$103

GEICO

$1,245

$104

Allstate

$1,252

$104

Allstate

$1,263

$105

Mercury

$1,300

$108

State Farm

$1,309

$109

Oklahoma Farm Bureau

$1,320

$110

Mercury

$1,424

$119

Farmers

$1,455

$121

Farmers

$1,493

$124

Home State Ins Group

$1,499

$125

Progressive

$1,521

$127

Home State Ins Group

$1,539

$128

Shelter

$1,562

$130

Progressive

$1,644

$137

Home State Ins Group

$1,676

$140

Farmers

$1,721

$143

Oklahoma Farm Bureau

$1,879

$157

Progressive

$1,971

$164

Shelter

$2,109

$176

Cheapest Car Insurance in Oklahoma After an Accident

For Oklahoma motorists with an at-fault collision on their records, these companies provide the cheapest full coverage auto insurance policies:

  • State Farm: $1,117 per year
  • Allstate: $1,379 per year

Progressive imposes the highest average rate for drivers with a history of at-fault accidents at $2,170 per year. According to our average rate estimates, having a car accident in Oklahoma might lead to a $528 increase in the yearly premium. Plus, insurers apply an at-fault accident ticket surcharge to your insurance bill for at least three years.

Company
Annual Premium
Monthly Premium

State Farm

$378

$31

State Farm

$402

$33

State Farm

$489

$41

Oklahoma Farm Bureau

$522

$43

Progressive

$526

$44

Progressive

$578

$48

Mercury

$579

$48

Oklahoma Farm Bureau

$579

$48

Progressive

$586

$49

GEICO

$634

$53

Home State Ins Group

$644

$54

Mercury

$679

$57

Home State Ins Group

$687

$57

Shelter

$695

$58

GEICO

$716

$60

Mercury

$731

$61

Home State Ins Group

$735

$61

Allstate

$795

$66

Allstate

$795

$66

GEICO

$810

$67

Farmers

$814

$68

Allstate

$880

$73

Shelter

$887

$74

Farmers

$895

$75

Farmers

$941

$78

Oklahoma Farm Bureau

$946

$79

State Farm

$998

$83

State Farm

$1,117

$93

Shelter

$1,199

$100

Oklahoma Farm Bureau

$1,214

$101

Allstate

$1,379

$115

State Farm

$1,406

$117

Oklahoma Farm Bureau

$1,424

$119

Allstate

$1,460

$122

Allstate

$1,477

$123

GEICO

$1,495

$125

Shelter

$1,568

$131

Home State Ins Group

$1,574

$131

Mercury

$1,613

$134

Home State Ins Group

$1,618

$135

GEICO

$1,698

$142

GEICO

$1,742

$145

Home State Ins Group

$1,760

$147

Farmers

$1,768

$147

Farmers

$1,792

$149

Mercury

$1,866

$155

Mercury

$1,983

$165

Shelter

$2,001

$167

Oklahoma Farm Bureau

$2,035

$170

Farmers

$2,039

$170

Progressive

$2,098

$175

Progressive

$2,170

$181

Progressive

$2,551

$213

Shelter

$2,703

$225

Cheapest Car Insurance in Oklahoma After a DUI

These are the least costly options for full coverage auto insurance in Oklahoma if you have a DUI on your record:

  • State Farm: $1,043 per year
  • Mercury: $1,049 per year

With a yearly premium for DUI drivers averaging $2,143, Oklahoma Farm Bureau is the most costly insurer in the state for this particular violator. A DUI typically results in a $455 increase in your annual rate and stays on your driving record in Oklahoma for at least 10 years.

Company
Annual Premium
Monthly Premium

Progressive

$304

$25

Progressive

$317

$26

State Farm

$343

$29

Progressive

$359

$30

Mercury

$363

$30

State Farm

$365

$30

State Farm

$445

$37

Mercury

$445

$37

Mercury

$455

$38

Shelter

$578

$48

Home State Ins Group

$644

$54

Home State Ins Group

$687

$57

Farmers

$718

$60

GEICO

$719

$60

Home State Ins Group

$735

$61

Shelter

$738

$61

Farmers

$801

$67

Allstate

$807

$67

Allstate

$807

$67

GEICO

$828

$69

Farmers

$833

$69

Oklahoma Farm Bureau

$859

$72

Allstate

$895

$75

GEICO

$924

$77

State Farm

$929

$77

Oklahoma Farm Bureau

$955

$80

Shelter

$997

$83

State Farm

$1,043

$87

Mercury

$1,049

$87

Mercury

$1,196

$100

Progressive

$1,299

$108

State Farm

$1,309

$109

Mercury

$1,351

$113

Allstate

$1,395

$116

Progressive

$1,422

$118

Shelter

$1,459

$122

Allstate

$1,476

$123

Allstate

$1,500

$125

Oklahoma Farm Bureau

$1,560

$130

Home State Ins Group

$1,574

$131

Farmers

$1,586

$132

Farmers

$1,607

$134

Home State Ins Group

$1,618

$135

GEICO

$1,622

$135

Progressive

$1,744

$145

Home State Ins Group

$1,760

$147

GEICO

$1,814

$151

GEICO

$1,825

$152

Farmers

$1,835

$153

Oklahoma Farm Bureau

$1,848

$154

Shelter

$1,862

$155

Oklahoma Farm Bureau

$2,143

$179

Shelter

$2,515

$210

Oklahoma Farm Bureau

$3,127

$261

Cheapest Car Insurance in Oklahoma for Drivers With Poor Credit (September 2023)

The following insurers in Oklahoma offer customers with poor credit the cheapest rates:

  • Mercury: $1,162 per year
  • GEICO: $1,284 per year

State Farm charges $2,716 per year on average, the highest annual car insurance premium for people with bad credit in the state.

When determining your premium, insurers consider your credit-based insurance score. In Oklahoma, people with credit scores below 580 may wind up paying an average of $617 more for auto insurance than those with scores over 750.

Company
Annual Premium
Monthly Premium

Mercury

$347

$29

Progressive

$402

$33

Progressive

$439

$37

Mercury

$443

$37

Mercury

$449

$37

Oklahoma Farm Bureau

$522

$43

Progressive

$522

$44

GEICO

$536

$45

Home State Ins Group

$579

$48

Oklahoma Farm Bureau

$579

$48

GEICO

$586

$49

GEICO

$598

$50

Shelter

$599

$50

Home State Ins Group

$618

$51

Home State Ins Group

$660

$55

Farmers

$726

$61

Farmers

$754

$63

Shelter

$764

$64

Allstate

$782

$65

Allstate

$782

$65

State Farm

$858

$71

Allstate

$865

$72

Farmers

$895

$75

State Farm

$912

$76

Oklahoma Farm Bureau

$946

$79

State Farm

$1,111

$93

Mercury

$1,162

$97

Shelter

$1,173

$98

Oklahoma Farm Bureau

$1,244

$104

GEICO

$1,246

$104

GEICO

$1,284

$107

Mercury

$1,290

$108

Allstate

$1,420

$118

Home State Ins Group

$1,440

$120

GEICO

$1,444

$120

Oklahoma Farm Bureau

$1,461

$122

Home State Ins Group

$1,478

$123

Shelter

$1,484

$124

Allstate

$1,505

$125

Allstate

$1,510

$126

Mercury

$1,566

$130

Home State Ins Group

$1,612

$134

Farmers

$1,654

$138

Farmers

$1,790

$149

Progressive

$1,851

$154

Shelter

$1,895

$158

Oklahoma Farm Bureau

$2,073

$173

Farmers

$2,141

$178

Progressive

$2,193

$183

State Farm

$2,409

$201

State Farm

$2,716

$226

Progressive

$2,728

$227

Shelter

$2,828

$236

State Farm

$3,394

$283

Because drivers with poor credit ratings are more prone to filing claims, most auto insurers raise insurance costs to guard against loss. Like many other states, Oklahoma permits insurers to take your credit history into account when deciding rates.

Your insurance rate may go down if your credit score rises over time, but you may also look for insurers that provide discounts to help offset rate increases because of your credit.

Cheapest Car Insurance in Oklahoma for Sports Cars (September 2023)

The following insurance providers offer sports car drivers in Oklahoma the lowest rates:

  • Farmers: $1,103 per year
  • Allstate: $1,106 per year

Progressive is the most expensive provider of sports car insurance in the Sooner State, with an average annual premium of $1,714.

Sports car insurance is frequently more expensive to insure than typical auto insurance because these vehicles have more expensive repair and replacement costs. For instance, sports car owners in Oklahoma pay an average of $150 more per year for auto insurance than Toyota Camry LE owners do.

Company
Annual Premium
Monthly Premium

Progressive

$255

$21

Mercury

$269

$22

Progressive

$277

$23

State Farm

$300

$25

State Farm

$323

$27

Progressive

$332

$28

Mercury

$343

$29

Shelter

$346

$29

Mercury

$346

$29

GEICO

$359

$30

State Farm

$388

$32

GEICO

$421

$35

GEICO

$428

$36

Shelter

$435

$36

Oklahoma Farm Bureau

$456

$38

Farmers

$464

$39

Oklahoma Farm Bureau

$508

$42

Farmers

$522

$44

Home State Ins Group

$579

$48

Home State Ins Group

$618

$51

Farmers

$620

$52

Allstate

$634

$53

Allstate

$652

$54

Home State Ins Group

$660

$55

Shelter

$678

$57

Allstate

$709

$59

Oklahoma Farm Bureau

$830

$69

Farmers

$992

$83

State Farm

$1,023

$85

GEICO

$1,030

$86

Farmers

$1,103

$92

Allstate

$1,106

$92

GEICO

$1,124

$94

Allstate

$1,146

$96

State Farm

$1,152

$96

Allstate

$1,183

$99

GEICO

$1,258

$105

Farmers

$1,313

$109

Progressive

$1,314

$109

State Farm

$1,458

$122

Progressive

$1,714

$143

Progressive

$2,230

$186

For the aforementioned prices, MoneyGeek used a Ford Mustang, but the make and model of the automobile can have a significant impact on insurance costs. Insurance premiums for electric, luxury and sports cars are usually higher than those for other models.

Cheapest Car Insurance in Oklahoma for Military Drivers (September 2023)

USAA provides affordable car insurance in Oklahoma for veterans and active-duty service members with an average annual rate of $753. Its services are available in every state and are tailored particularly for individuals who have a military background — USAA coverage is not available to the general public.

mglogo
MoneyGeek Top Pick
USAA
  • $753 per year

USAA offers several discounts for its policyholders, including bundling, good student, multiple car and safe driving.

Cheapest Car Insurance in Oklahoma by City

The city in which you live (and even the ZIP code) is one of several variables that affect how much car insurance costs in Oklahoma. Drivers who reside in areas where theft, vandalism or accidents occur more frequently are more likely to make insurance claims and therefore pay higher premiums.

Our study shows that Tulsa has the most affordable car insurance in Oklahoma, offered by Mercury at $913 per year. Mercury is also the cheapest option in Oklahoma City ($963), Broken Arrow ($970) and Norman ($1,064).

Use the table to compare the average cost of auto insurance in Oklahoma cities.

City
Cheapest Company
Annual Premium

Broken Arrow

Mercury

$970

Norman

Mercury

$1,064

Oklahoma City

Mercury

$963

Tulsa

Mercury

$913

Car Insurance in Oklahoma: What You Need to Know

In order to properly register their vehicle and operate it, drivers in Oklahoma must present proof of their financial stability. This is usually in the form of insurance, which can be demonstrated by a certificate of insurance or an insurance card. Oklahoma mandates property damage liability and bodily injury liability coverages.

Oklahoma Car Insurance Requirements

State laws require minimum liability limits in order to drive legally, although this is probably insufficient coverage in the event of an accident. In Oklahoma, the required minimum liability coverage covers both property damage protection and bodily injury protection. MoneyGeek advises buying as much liability coverage as you can afford for increased financial security.

Drivers whose licenses have been suspended or revoked due to convictions for DUI/DWI, driving violations or operating a vehicle without insurance must submit an SR-22 insurance form in most states. However, Oklahoma has no such requirement.

  • accident2 icon

    Property Damage Liability

    In Oklahoma, drivers are mandated to carry $25,000 in property damage liability insurance for every accident. If you cause an accident that results in property damage to someone else, you are liable for paying any damages beyond $25,000 out of your pocket.

  • male icon

    Bodily Injury Liability

    Third-party medical costs will be covered under bodily injury liability coverage if you cause an accident. The minimum amount of coverage is $25,000 per person and $50,000 per accident.

For further financial security, MoneyGeek suggests getting bodily injury liability insurance with minimum levels of $100,000 per person and $300,000 per accident, as well as increasing the property damage coverage to $100,000. Comprehensive and collision insurance may be required if you finance the purchase of your vehicle or lease it.

Comprehensive insurance will cover any required repairs or replacements if your vehicle sustains damage in an off-road incident. Examples of these scenarios include theft, fire, vandalism and weather-related incidents. Collision coverage will pay to repair or replace your car if it is damaged in an on-road accident, either with another vehicle or an inanimate object like a telephone pole or tree.

Even though it’s not required, MoneyGeek advises those with expensive cars to obtain comprehensive and collision insurance.

Car Insurance Alternatives in Oklahoma

A car insurance alternative in Oklahoma is for drivers to post a $75,000 bond to the Oklahoma Department of Public Safety for each vehicle they register, demonstrating their financial responsibility.

The Oklahoma Automobile Insurance Plan can help high-risk drivers who are unable to obtain auto insurance or a bond by calling 866-667-2827 or 405-842-0844.

FAQs About Car Insurance in Oklahoma

Car insurance shoppers frequently have concerns about both price and quality. To help with that, here are some of the most frequently asked questions about finding the cheapest insurance for different driver profiles in Oklahoma.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.