Cheapest Car Insurance in Oklahoma (November 2025)

Oklahoma drivers pay $1,599 annually for full coverage auto insurance, running 10% higher than the national average. Minimum coverage policies cost $630 yearly, which is 8% below what drivers nationwide pay. Oklahoma ranks 37th among all states for full coverage affordability and 26th for minimum coverage affordability.

Progressive delivers the cheapest rates for both full coverage and minimum liability statewide, while also leading in most major cities across Oklahoma. Going without full coverage exposes you to out-of-pocket repair expenses if you cause a collision, making it essential to compare rates for affordable protection. MoneyGeek evaluated the state's top car insurance providers based on pricing, customer service ratings and policy features, and Progressive earned the highest overall ranking.

Oklahoma drivers can secure the cheapest full coverage through Progressive at just $96 monthly or $1,156 annually. This competitive pricing makes Progressive a reliable choice for residents seeking comprehensive protection at budget-friendly rates.

Several other insurers offer competitive alternatives, including GEICO at $1,271 yearly, Mercury at $1,304 annually, Shelter Insurance at $1,425 per year, and American Farmers & Ranchers at $1,457 annually. These options provide residents with multiple pathways to affordable, comprehensive coverage.

*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 to 26 to 64-year-olds and seniors to 65 and older.

Progressive delivers Oklahoma's most affordable minimum coverage at $29 monthly or $343 annually, offering savings for drivers seeking basic legal protection. Oklahoma's competitive insurance market ensures residents have multiple budget-conscious options from established carriers.

Following Progressive, American Farmers & Ranchers charges $38 per month, while Mercury comes in at $39 monthly, Geico at $41, and Shelter at $50. These carriers provide solid alternatives for Oklahoma drivers wanting to maintain legal compliance, giving you plenty of choices for the cheapest liability-only car insurance.

*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.

Oklahoma mandates minimum liability insurance with limits of $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage (25/50/25). These requirements help maintain reasonable baseline premiums but could leave drivers financially vulnerable during major collisions. 

The state experiences severe weather conditions, including tornadoes and hailstorms, which increase accident risks and property damage claims.

Progressive offers the most affordable minimum coverage rates in 18 of Oklahoma's 19 largest cities analyzed, while Mercury Insurance secures the remaining market as of November 2025.

The cheapest minimum coverage option costs across Oklahoma's major cities range from $24 to $44 monthly. Bartlesville residents have the state's lowest monthly rates at $24, while Broken Arrow drivers pay the highest premiums at $44; both through Progressive. Most mid-sized cities maintain rates between $25 and $34.

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Young drivers across Oklahoma have high insurance costs, but American Farmers & Ranchers offers the most affordable full coverage at $149 monthly for ages 16 to 25. This rate sits 56% below Oklahoma's average for this age group. State Farm ranks second at $252 per month, while Geico follows at $261 per month.

Adults between 26 and 64 can secure their lowest rates through Progressive at $89 per month for comprehensive coverage. Mercury trails at $108 monthly, and American Farmers & Ranchers provides competitive pricing at $109 per month.

Senior drivers find their best value with Progressive at $96 monthly for full coverage, which runs 39% under Oklahoma's senior average. American Farmers & Ranchers claims second place at $123 per month, followed by Shelter Insurance at $125 per month.

Driving violations and credit issues can increase insurance premiums in Oklahoma. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. 

Your credit score matters too. Progressive offers the best rates for most high-risk categories, though American Farmers & Ranchers provides cheaper coverage for at-fault accidents and bad credit situations.

• Cheapest With a Texting While Driving Violation: Progressive ($128 per month)
• Cheapest With a Speeding Ticket: Progressive ($124 per month)
• Cheapest With an At-Fault Accident: American Farmers & Ranchers ($109 per month)
• Cheapest for Bad Credit: American Farmers & Ranchers ($152 per month)
• Cheapest With a DUI: Progressive ($109 per month)

Shop quotes from multiple carriers to find the lowest rates. Regional insurers compete with national brands in Oklahoma. Bundle your policies, maintain good credit and ask about safe-driver discounts to reduce premiums.

Minimum coverage meets Oklahoma's 25/50/25 liability requirements but leaves financial gaps. Without collision coverage, you'll pay repair costs if you cause an accident. Comprehensive coverage protects against theft, storm damage and vandalism. 

Vehicle thefts dropped 17% nationwide in 2024, though Oklahoma City still reports high theft rates. The typical bodily injury claim costs $26,501, just $1,499 shy of Oklahoma's $25,000 per-person limit. Don't cut coverage if your budget allows better protection.

Progressive provides Oklahoma's most affordable car insurance across driver types and coverage levels. However, avoid choosing coverage based solely on price. Invest in maximum protection your budget allows to cover you in an accident

Our insurance experts answer frequently asked questions about securing cheap car insurance coverage in Oklahoma.

Oklahoma drivers juggle high traffic volume in Oklahoma City, weather risks and rates that run 10% above the national average for full coverage. We compared rates across Oklahoma's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We pulled quotes from 12 insurers across every Oklahoma ZIP code using data from the state's Insurance Department and Quadrant Information Services. The numbers tell the story: rural drivers pay far less than Tulsa commuters stuck on Interstate 35, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Oklahoma's median demographic:  

• 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

This profile serves as our control group. We then adjusted specific variables (age, driving violations, credit score) to analyze how Oklahoma insurers price risk for different driver types. This approach reveals which companies specialize in certain demographics and which maintain competitive rates across all profiles. 

Coverage Levels We Compared

Oklahoma requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious Oklahoma drivers carry.

For full coverage analysis, we used higher liability limits that better protect Oklahoma drivers in serious accidents:  

• $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

Most insurance agents in Oklahoma push these higher limits once you mention Oklahoma City traffic. Three-car pileups on Interstate 40 eat through that $25,000 state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.