Progressive offers Oklahoma's most affordable car insurance, with monthly rates of $29 for minimum coverage and $96 for full coverage. Oklahoma drivers save $35 monthly (36%) compared to state averages. Get quotes from other affordable providers like GEICO, Mercury, American Farmers & Ranchers and Shelter.
Cheapest Car Insurance in Oklahoma
Updated: August 18, 2025
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Key Takeaways
Progressive, GEICO and Mercury Insurance are the cheapest car insurance companies for most Oklahoma drivers, with average savings of up to 36%.
Car insurance costs can be as low as $27 monthly for minimum coverage and $89 for full coverage policies on average in Oklahoma.
To get the cheapest car insurance in Oklahoma, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Oklahoma?
| Progressive | $29 | $96 | -36% |
| Geico | $41 | $106 | -25% |
| Mercury Insurance | $39 | $109 | -24% |
| American Farmers & Ranchers | $38 | $121 | -18% |
| Shelter Insurance | $50 | $119 | -14% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN OKLAHOMA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Oklahoma:
Best Car Insurance Rates by Category in Oklahoma
Progressive offers the cheapest rates for six out of our 10 driver categories in Oklahoma, including adult drivers and seniors, while American Farmers & Ranchers provides affordable rates in four categories, particularly for young drivers and those with accidents. Find your specific rates in the table:
| Young Drivers | American Farmers & Ranchers | $58 |
| Adult Drivers | Progressive | $28 |
| Senior Drivers | Progressive | $38 |
| Drivers With An Accident | American Farmers & Ranchers | $38 |
| Drivers With A DUI | Progressive | $36 |
| Drivers With A Speeding Ticket | Progressive | $40 |
| Drivers With Bad Credit | American Farmers & Ranchers | $59 |
| Drivers With Low Income | American Farmers & Ranchers | $45 |
| Drivers With Newer Cars | Progressive | $33 |
| Drivers With Old Cars | Progressive | $27 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Oklahoma for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, American Farmers & Ranchers offers the lowest rates at $112 monthly for drivers with poor credit and an accident record. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $213 | $2,550 | -34% |
| American Farmers & Ranchers | $134 | $1,609 | -59% |
| Shelter Insurance | $261 | $3,133 | -19% |
| Geico | $323 | $3,871 | 0% |
| Hallmark Insurance | $239 | $2,870 | -26% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Oklahoma by City
Where you live in Oklahoma affects your car insurance costs based on local crime, accidents and traffic density. Progressive charges as little as $23 in Colcord but $49 in Noble. Here are the cheapest providers for every Oklahoma city.
Data filtered by:Results filtered by:
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City:Achille
| Achille | Progressive | $26 | -42% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Oklahoma By Driver Age Group
We analyzed car insurance rates across Oklahoma for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- American Farmers & Ranchers offers the lowest rates for young drivers starting at $58 per month
- Progressive leads with the best rates for adult drivers starting at $28 per month
- Progressive also provides the most affordable coverage for seniors starting at $38 per month
Cheapest Car Insurance For Young Drivers in Oklahoma
American Farmers & Ranchers leads the market with Oklahoma's most affordable car insurance for young drivers. Its minimum coverage costs $58 monthly, offering 60% savings compared to the state average. Young drivers who want full coverage will also find the best rates with American Farmers & Ranchers at $149 per month, saving 56% on average.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
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Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $511 | $6,133 | -40% |
| American Farmers & Ranchers | $183 | $2,198 | -78% |
| Shelter Insurance | $622 | $7,458 | -27% |
| Geico | $767 | $9,202 | -9% |
| Hallmark Insurance | $592 | $7,108 | -30% |
Cheapest Car Insurance For Adult Drivers in Oklahoma
Progressive offers Oklahoma drivers the most affordable car insurance, with rates starting at $28 monthly for minimum liability coverage. For full coverage with higher liability limits and comprehensive protection, Progressive's monthly premium is $89.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $213 | $2,550 | -34% |
| American Farmers & Ranchers | $134 | $1,609 | -59% |
| Shelter Insurance | $261 | $3,133 | -19% |
| Geico | $323 | $3,871 | 0% |
| Hallmark Insurance | $239 | $2,870 | -26% |
Cheapest Car Insurance For Senior Drivers in Oklahoma
Progressive offers Oklahoma seniors the most affordable rates for both full and minimum coverage. Annual premiums start at $457 for minimum coverage and $1,148 for full coverage.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $218 | $2,612 | -43% |
| American Farmers & Ranchers | $151 | $1,812 | -60% |
| Shelter Insurance | $276 | $3,308 | -28% |
| Hallmark Insurance | $231 | $2,775 | -39% |
| Geico | $388 | $4,655 | 2% |
Cheapest Car Insurance For High-Risk Drivers in Oklahoma
We studied four core areas for profiles insurers consider particularly high-risk in Oklahoma including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: American Farmers & Ranchers (From $59/mo)
- Cheapest With a DUI: Progressive (From $36/mo)
- Cheapest With an Accident: American Farmers & Ranchers (From $38/mo)
- Cheapest With a Speeding Ticket: Progressive (From $40/mo)
Cheapest Car Insurance For Bad Credit in Oklahoma
American Farmers & Ranchers offers the lowest car insurance rates in Oklahoma for drivers with poor credit. Annual premiums start at $694 for minimum liability coverage, while full coverage policies with 100/300/100 limits cost $1,827.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $254 | $3,043 | -37% |
| American Farmers & Ranchers | $152 | $1,827 | -62% |
| Shelter Insurance | $305 | $3,666 | -24% |
| Geico | $398 | $4,779 | -1% |
| Hallmark Insurance | $258 | $3,097 | -36% |
Cheapest Car Insurance With a DUI in Oklahoma
Progressive offers the lowest rates for Oklahoma drivers with DUIs at $412 annually, while State Farm provides the next most affordable option at $489 per year. These rates make both insurers solid choices for drivers seeking coverage after a DUI conviction.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Progressive | $287 | $3,445 | -0.09 |
| Shelter Insurance | $262 | $3,139 | -0.17 |
| Hallmark Insurance | $223 | $2,679 | -0.30 |
| Farm Bureau | $303 | $3,631 | -0.05 |
| American Farmers & Ranchers | $266 | $3,188 | -0.16 |
Cheapest Car Insurance With an Accident in Oklahoma
Oklahoma drivers with an accident on their record can find the lowest rates with American Farmers & Ranchers. The company offers liability-only coverage starting at $38 per month or $451 per year, making it the most affordable option for Oklahoma motorists with recent accidents.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Farm Bureau | $213 | $2,550 | -34% |
| American Farmers & Ranchers | $134 | $1,609 | -59% |
| Shelter Insurance | $261 | $3,133 | -19% |
| Geico | $323 | $3,871 | 0% |
| Hallmark Insurance | $239 | $2,870 | -26% |
Cheapest Car Insurance With an Speeding Ticket
Progressive offers the lowest rates for Sooner State drivers with speeding tickets. Drivers can expect to pay $459 annually for minimum coverage or $1,490 for full coverage, making it the most affordable option in Oklahoma.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Farm Bureau | $200 | $2,398 | -31% |
| American Farmers & Ranchers | $173 | $2,076 | -40% |
| Shelter Insurance | $239 | $2,862 | -17% |
| Geico | $279 | $3,343 | -3% |
| Hallmark Insurance | $222 | $2,665 | -23% |
How to Get the Cheapest Car Insurance in Oklahoma
Finding the most affordable insurance companies is just the first step to getting the best car insurance rates in Oklahoma. Our experts have identified proven ways to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from multiple companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Determine Your Coverage Needs
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3
Evaluate Coverage Levels
If you're trying to cut costs, you can lower your coverage levels and raise your deductibles. First check your finances, how much you drive and what your car is worth to make sure this makes sense.
- 4
Research Costs and Discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Explore Alternative Insurance Options
If you don't drive much, check out pay-per-mile insurance or telematics programs that track your driving. These options can save you money compared to regular policies.
- 6
Improve Your Risk Profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7
Choose a Cost-Effective Vehicle
If you're buying a car, pick one that's cheaper to insure. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Oklahoma
Oklahoma's minimum required car insurance coverage is a 25/50/25 liability split. This means drivers must carry $25,000 for injuries per person, $50,000 total injury coverage per accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Oklahoma, average property damage claims hit $4,732 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Oklahoma sits in Tornado Alley, where severe weather damages cars regularly. The National Centers for Environmental Information reports Oklahoma storm damage averaged $3,821 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, hail and flooding, especially if you park outdoors.
Bodily injury damage is more likely to be higher than the minimum limits
Oklahoma's minimum bodily injury coverage of $25,000 per person often falls short of actual medical costs. Average bodily injury claims reached $20,235 nationwide in 2023, according to the Insurance Information Institute. Rising medical costs increase your risk of out-of-pocket expenses. Consider increasing coverage to 50/100/50 limits for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Oklahoma has a serious uninsured driver problem, with 13.4% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Oklahoma. Vehicle thefts increased significantly nationwide in 2023, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Oklahoma: Bottom Line
Progressive offers the lowest car insurance rates in Oklahoma for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Oklahoma: FAQ
Below, we address common questions about finding affordable car insurance coverage in Oklahoma.
What are the cheapest car insurance companies in Oklahoma?
Progressive provides the most affordable car insurance in Oklahoma, with average annual rates of $343 for minimum coverage and $1,156 for full coverage. GEICO, Mercury Insurance, American Farmers & Ranchers and Shelter Insurance also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Oklahoma?
American Farmers & Ranchers provides the most budget-friendly rates for young drivers in Oklahoma, with monthly premiums starting at $58.
Who offers the cheapest car insurance rates for seniors in Oklahoma?
Senior drivers in Oklahoma can find the most competitive rates with Progressive, offering policies for those 65 and older at an average of $38 per month.
Who has the cheapest car insurance in Oklahoma for bad credit?
American Farmers & Ranchers provides the lowest rates for bad-credit drivers in Oklahoma, with monthly premiums averaging $59 for minimum coverage and $152 for full coverage.
Who has the cheapest car insurance in Oklahoma with an accident?
American Farmers & Ranchers offers the lowest car insurance rates for Oklahoma drivers with accident records, starting at $38 per month.
Who has the cheapest car insurance in Oklahoma with a DUI?
Progressive provides the cheapest car insurance after a DUI in Oklahoma, with rates of $36 monthly for minimum coverage.
Who has the cheapest car insurance in Oklahoma for those with a speeding ticket?
If you've gotten a speeding ticket in Oklahoma, Progressive offers the lowest rates at $40 monthly for minimum coverage.
Should you buy the cheapest car insurance in Oklahoma?
While finding cheap car insurance is tempting, make sure you have enough coverage to protect against major financial losses. Progressive offers the lowest rates in Oklahoma, averaging $63 monthly for quality coverage.
How We Found the Most Affordable Car Insurance in Oklahoma
MoneyGeek collected auto insurance data from the Oklahoma Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Oklahoma.
Oklahoma Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Oklahoma
We compared car insurance companies in Oklahoma that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Oklahoma.
The minimum coverage liability limits in Oklahoma are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed July 31, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists ." Accessed July 31, 2025.
- National Centers for Environmental Information. "Climate at a Glance." Accessed July 31, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed July 31, 2025.