Best Car Insurance in Oklahoma for 2024

While some may not think Oklahoma is a great road trip state, residents know the famed Route 66 enters The Sooner State in Quapaw and leaves it in Texola. In between, there are dozens of charming towns and sites. Unfortunately, the cost of car insurance in Oklahoma might have you thinking twice before you head out on an adventure.

Key takeaways

• Car insurance in Oklahoma costs an average of $1,610 per year for full coverage and $530 for minimum coverage.
  
• The best car insurance in Oklahoma is USAA, which costs an average of $962 per year for comprehensive coverage.
• Drivers with a clean driving record pay an average of $134 monthly in Oklahoma.

Best car insurance companies in Oklahoma

Oklahoma drivers pay an average of $1,610 yearly for full coverage car insurance and $530 for minimum insurance. USAA and State Farm generally have the cheapest car insurance in the state and score high customer satisfaction marks. Drivers who use Farmers could pay the most for full coverage, while Allstate has the most expensive minimum coverage on our list.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	890/1,000	$962/year	$306/year
State Farm	833/1,000	$1,118/year	$346/year
GEICO	819/1,000	$1,315/year	$461/year
Farmers	819/1,000	$1,797/year	$628/year
Allstate	806/1,000	$1,736/year	$653/year
Progressive	803/1,000	$1,550/year	$473/year

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction rating in Oklahoma and is the state’s most affordable full and minimum coverage provider. While only current and former military members and their families are eligible for a policy, USAA offers a good mix of standard coverage and discounts if you qualify.

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm is the lowest-cost option for car insurance available to all drivers in Oklahoma. State Farm customers pay an average of $1,118 yearly for full coverage and $346 for the state’s minimum coverage. It also earned second place in customer satisfaction on our list of the best car insurance companies and has various policy options.

Get a quote now | State Farm review

GEICO: Best for senior drivers

Senior drivers in Oklahoma pay an average of $1,814 a year for full coverage. Although GEICO was not the cheapest option, it provides discounts specifically for seniors. Some discounts include defensive driving, five years of good driving, and retired government and military members.

Get a quote now | GEICO review

Allstate: Best for new cars

Allstate’s gap insurance coverage can help you cover the pay-off amount of your loan if your new car is stolen or totaled in an accident. Although its coverage is generally more expensive, costing an average of $1,736 a year for full coverage and $653 for minimum coverage, it may be worth it to some.

Get a quote now | Allstate review

Progressive: Best for lowest deductible

Progressive is the lowest-cost option in Oklahoma with a vanishing deductible discount. It costs an average of $1,550 annually for full coverage and $473 for the state’s minimum coverage. If Progressive customers drive without an accident during the policy term, they may be able to reduce their deductible by $50 every six months or $100 once a year for annual renewals.

Get a quote now | Progressive review

Oklahoma auto insurance requirements

In Oklahoma, drivers must maintain at least the following auto insurance minimums:

• $25,000 in bodily injury protection per person
• $50,000 in bodily injury protection per accident
• $25,000 property damage protection

How to choose a car insurance provider in Oklahoma

When you’re looking for a new car insurance provider, keep a few things in mind to help you get the best insurance at the best price:

• Check financial stability: Before starting a new car insurance policy, check a company’s ability to pay claims on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Oklahoma Department of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in Oklahoma.
• Check pricing and discounts: Get quotes from at least three companies to compare pricing. Double-check that you received every discount you qualify for and that the policy amounts and coverage options are similar for an accurate comparison.
• Customer service: As you research, pay attention to customer reviews and look for a company that is easy to work with, handles claims quickly, and is good at answering questions.

How much does car insurance cost in Oklahoma?

The average cost of car insurance in Oklahoma is $1,610 for full coverage and $530 a year for minimum coverage. Drivers in Edmond tend to pay the most for car insurance, an average of $2,071 annually. Those in Lawton will likely spend the least, with a yearly average of $1,827.

Oklahoma car insurance rates by city

Oklahoma insurance premiums cost an average of $1,610 a year, compared to the national average of $1,582. If your city has a higher population, you may see even higher insurance rates since more people on the road can increase the probability of accidents.

Oklahoma City, for example, has a population of 687,725, and residents pay an average of $1,995 yearly for car insurance. Norman, home to the University of Oklahoma, only has a population of 128,097, and residents spend an average of $1,864 annually.

City	Avg. annual full-coverage premium
Edmond	$2,071/year
Oklahoma City	$1,995/year
Tulsa	$1,965/year
Broken Arrow	$1,915/year
Norman	$1,864/year
Lawton	$1,827/year

Methodology

FAQs about car insurance costs in Oklahoma