Cheapest Car Insurance in Oklahoma for 2026

Oklahoma ranks 37th most affordable of 50 states, with full coverage averaging $133/month, which is 10% above the national average. Progressive is the cheapest for both minimum coverage ($28/month) and full coverage ($89/month). 

American Farmers & Ranchers (a regional Oklahoma insurer, not the national Farmers brand) leads for young drivers, at-fault accidents, and bad credit, despite ranking only third for clean-record full coverage. Shelter quotes a flat $246/month for teen family policies at ages 16 to 20, identical for both male and female drivers.

Cheapest in Oklahoma by coverage type

• Full coverage: Progressive, $89/month
• Minimum coverage: Progressive, $28/month

Cheapest by driver age

• Young adult drivers: American Farmers & Ranchers, $149/month
• Teen drivers (16) on a family policy: Shelter Insurance, $246/month (female and male)
• Seniors (65+): Progressive, $96/month

Cheapest by driving record and credit score

• Speeding ticket: Progressive, $124/month
• At-fault accident: American Farmers & Ranchers, $109/month
• DUI: Progressive, $109/month
• Texting while driving: Progressive, $128/month
• Bad credit: American Farmers & Ranchers, $152/month

Progressive is the lowest priced for both minimum coverage ($28/month) and full coverage ($89/month) in Oklahoma. Choosing Progressive over Hallmark Insurance (most expensive at $193/month for full coverage) saves $104/month ($1,248/year). Compare options through our best car insurance in Oklahoma guide.

Oklahoma's minimum coverage requirement is 25/50/25: $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. Oklahoma is an at-fault state with no PIP requirement and no mandatory UM/UIM. Minimum coverage pays the other party's costs when you are at fault, but does not cover your own vehicle or medical bills.

American Farmers & Ranchers (AFR, a regional Oklahoma insurer) is the cheapest for young adult standalone drivers at $149/month, which is $103/month below State Farm's $252/month, the most extreme young adult spread across the analyzed providers. Progressive is the most affordable for seniors at $96/month.

For teen family policies, Shelter Insurance quotes a flat $246/month for ages 16 to 20, the same for both male and female drivers. Oklahoma uses gender as a rating factor, but Shelter Insurance's pricing does not differentiate at these ages. From age 21, AFR leads with minor gender differences ($6/month at age 21). Learn more in our car insurance rates by age guide.

Open the dropdowns below for full age breakdowns.

Progressive is best for speeding tickets ($124/month), DUI ($109/month), and texting while driving ($128/month). American Farmers & Ranchers is best for for at-fault accidents ($109/month) and bad credit ($152/month). AFR is best for both at-fault accidents and bad credit while ranking only 3rd for clean-record full coverage, meaning AFR prices non-standard risk more favorably than most competitors. Learn more in our low income car insurance in Oklahoma guide.

Most Oklahoma violations affect rates for three years; DUI affects rates longer. For more information on high-risk coverage options, see our best car insurance in Oklahoma guide.

Progressive is the cheapest provider in all 10 Oklahoma cities analyzed. The biggest meaningful gap is between Tulsa at $107/month and Enid at $83/month, a difference of $24/month ($288/year). Tulsa is Oklahoma's second-largest city with higher traffic density and accident frequency. 

Enid is a smaller agricultural city in northwest Oklahoma with much lower traffic volume.

Several Oklahoma City-area suburbs cluster within a narrow range: Broken Arrow ($108/month), Midwest City ($105/month), Moore ($106/month), and Oklahoma City ($106/month). These adjacent suburbs share similar risk profiles. Compare car insurance options to find the best rates for your location.