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Oklahoma drivers pay an average of $1,123.61 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $93.63 per month. Oklahoma drivers pay about 6% less than the countrywide national average of $1,189.64.
The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.
In at-fault states, the driver who caused the accident pays for damages.
Drivers in Oklahoma are required to carry a minimum amount of liability coverage to legally drive.You may see it written as 25/50/25, but we’ll break down what that means.
Oklahoma requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.
This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.
Oklahoma requires drivers to carry $25,000 of property damage liability to legally drive. This is on the higher end of required property damage limits across the US, though a common requirement.
This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.
These state-mandated requirements are the lowest amount of coverage you need to legally drive in Oklahoma, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.
If you want to pay sub-$200 per month as a young driver, you’ll want a quote from Allstate.
However, for other ages, the cheapest company jumps back and forth between Allstate and Progressive. You may want a quote from both companies to find the best deal for you.
| Age | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| 16-24 | $138.90 | $199.96 | $203.98 | $196.31 |
| 25-34 | $119.07 | $133.62 | $139.44 | $144.73 |
| 35-44 | $119.12 | $114.36 | $130.06 | $156.29 |
| 45-54 | $123.51 | $114.48 | $122.59 | – |
Again, both men and women may fare the best with Allstate over other major companies serving Oklahoma.
You also can join Allstate’s Drivewise or rewards programs to save even further. Drivewise is a program that tracks your driving and rewards you if you’re a safe driver.
| Men | $110.82 | $143.31 | $143.56 | $160.40 |
|---|---|---|---|---|
| Women | $126.06 | $128.22 | $142.21 | $158.57 |
Allstate offers the best value across a variety of drivers, costing up to $42 per month less in some cases. We came to this conclusion based on sample car insurance quotes from Savvy.
| Company | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| Rate | $117.59 | $135.77 | $142.88 | $159.67 |
Oklahoma car insurance prices may stick close to the nation’s average. However, you may find a better deal by shopping around the many brand-name and regional companies that serve this state.
Check out our top choices that we vetted for coverage, discounts, perks and ratings. We looked at ratings from J.D. Power, Better Business Bureau, AM Best and the National Association of Insurance Commissioners.
Progressive
Finder score
We also like its user-friendly online tools like its pricing tool and mobile app. The Name Your Price tool lets you set a car insurance cost that fits your budget and then advises you on how much coverage you can get for that price. In addition, customers enjoy Progressive's insurance app, which garners 4.5 of 5 stars from app store reviews.
| Telematics | Snapshot |
|---|---|
| Gap insurance | loan/lease coverage |
| Telematics | Snapshot |
|---|---|
| Gap insurance | loan/lease coverage |
Nationwide
Finder score
For example, Nationwide claims that it can save around $40 per month over a traditional policy if you drive 500 miles that month. When you choose Nationwide, you're backed by a reputable brand with solid finances and claims history for peace of mind.
| Telematics | Yes |
|---|---|
| Gap insurance | Yes |
| Telematics | Yes |
|---|---|
| Gap insurance | Yes |
Shelter
Finder score
You won't have to sacrifice on coverage or discounts by going with Shelter. The company offers all the mainstays of national brands. It even includes roadside assistance and will replace your car with a new one if it totaled and if under a year old and 15,000 miles.
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is, the less you pay. And the riskier you are, the more you’ll pay. We’ll break down Oklahoma’s rating factors to keep in mind.
| Factor | How it affects your rates |
|---|---|
 Age | How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20s with drivers over 50 paying the least. |
 Gender | Oklahoma takes gender into account when determining your rates. On average, men in Oklahoma pay slightly less for car insurance than women. The average annual premium across all age categories for men is $1,513, while women pay an average of $1,528. |
 Location | Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates. When it comes to vehicle theft, Oklahoma is higher than the national average. For every 100,000 inhabitants, approximately 378 vehicles were stolen, according to Statista. The national average across the US is 246 cars for every 100,000 inhabitants. As for uninsured drivers, 13.4% of Oklahomans on the road are uninsured. That ranks the state 18th out of 50 states for uninsured drivers, according to Insurance Information Institute. |
 Vehicle and mileage | Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure. Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums. And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. According to the Bureau of Transportation, Oklahomans drive around 45 miles per day, which is over the national average of 36.1 miles per day. |
 Credit score | Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates. Oklahoma insurers charge the highest coverage rates for drivers with poor credit histories. Drivers with good credit scores pay an average monthly rate of $193 while drivers with poor credit pay an average of $208 monthly. That’s an average of $180 more per year. |
 Coverage | The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. If you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too. Higher deductibles mean lower monthly premiums. Low coverage costs in Oklahoma average to about $352 yearly, whereas high coverage can be anywhere around $1,496 on average. |
 Driving Record | The better your record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. A DUI in Oklahoma can increase your rate by an average of 44%. These types of violations typically stay on your record for about five years. Oklahoma drivers with a clean driving record pay approximately $1,979 annually — or $378 less per year on average — than Oklahoma drivers with one speeding violation. |
Oklahoma is one of a few states that don’t require an SR-22 after major violations. However, you can get other steep penalties for violations, such as getting your license suspended for six months to a year depending on your offense. Insurance companies consider you a higher risk if you have violations on your record. If so, expect to see higher premiums than the average driver in the state.
The point of car insurance is to protect you financially if you have major accident-related expenses. However, Oklahoma’s car insurance requirements don’t cover some common accidents. Think about boosting your policy with these additions.
If you hit another car, Oklahoma’s required liability insurance should work for minor damage, but it may not be enough for serious injuries or going to court. You can’t control how serious the car damage or injuries are in a car accident. Protect yourself from all the possibilities by asking your insurance agent about the right liability limits for you.
Oklahomans roam across more miles than the average US driver, and more driving means that you have a higher chance of getting in an accident. If you’re the cause of the accident, you’d need collision coverage if you want insurance to pay for your car’s repairs.
Since most drivers in the state pay nearly $30 per month based on NAIC averages, you can get a lot of value from adding collision coverage. For example, let’s say that you wreck your car and need $1,500 for repairs. You’d have to save your monthly premium for over four years to recoup costs if you paid out of pocket. Opt for collision coverage rather than saving for years on end.
Consider this coverage if . . .
Since Oklahoma owners get their cars stolen over 1.5 times more than in other states, you may want comprehensive coverage to recover if this scenario happens to you. Plus, this coverage protects you against many damages outside of vehicle collisions, including theft, vandalism, severe weather, icy roads or rocks cracking your windshield.
Consider this coverage if . . .
We’ve pulled the top 10 companies by market share that offer coverage in Oklahoma according to S&P Global. Compare top companies by three major rating agencies along with our overall score.
| Provider | BBB Rating | JD Power Rating | NAIC complaint ratio | National market share % | Finder score | Go to site |
|---|---|---|---|---|---|---|
State Farm | A+ | 847/1000 | 1.93 | 16.2 | ★★★★★ 4/5 | |
Geico | A+ | 832/1000 | 1.42 | 13.6 | ★★★★★ 4/5 | |
Progressive | A+ | 830/1000 | 1.05 | 13.3 | ★★★★★ 4/5 | Get Quotes |
Allstate | A+ | 827/1000 | 2.71 | 10.4 | ★★★★★ 4/5 | |
USAA | A+ | 884/1000 | 1.9 | 6.3 | ★★★★★ 4/5 | Get Quotes |
Farmers | A- | 820/1000 | 1.64 | 4.9 | ★★★★★ 4/5 | |
Liberty Mutual | A+ | 827/1000 | 2.2 | 4.7 | ★★★★★ 4/5 ; | Get Quotes |
Nationwide | A+ | 814/1000 | 2.08 | 2.3 | ★★★★★ 4/5 | |
Travelers | A+ | 820/1000 | 3.28 | 2 | ★★★★★ 4/5 | |
CSAA Insurance Exchange | A- | 816/1000 | 0.91 | 1.1 | ★★★★★ 4/5 |
With so many car insurance providers offering many options, it’s hard to narrow down what you might need. That’s before you add in your specific driver history, vehicle and state.
Generally, Oklahoma is among the top 15 most expensive states to insure your car. To find the cheapest car insurance, find a provider that can offer you the best deal for you. And if you don’t have a clean record, look into providers that specialize in high-risk drivers, like The General or Direct Auto.
Looking for ways to save money on your auto insurance in Pennsylvania? No matter what state you’re in, read our general tips to lower your car insurance rates and get a better value out of your coverage in our comprehensive guide to car insurance.
Of Oklahoma’s largest cities, Lawton has the cheapest rates and Broken Arrow has the most expensive car insurance rates. Broken Arrow drivers could face rates 2 times more than Lawton drivers.
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1570 |
| Farmers | $1448 |
| Safe Auto | $1541 |
| Progressive | $1969 |
| Geico | $2056 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1820 |
| Farmers | $1465 |
| Safe Auto | $1650 |
| Progressive | $2053 |
| Geico | $2360 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1756 |
| Farmers | $1506 |
| Safe Auto | $1747 |
| Progressive | $1928 |
| Geico | $2096 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1574 |
| Farmers | $1122 |
| Safe Auto | $1354 |
| Progressive | $1797 |
| Geico | $1787 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1816 |
| Farmers | $1605 |
| Safe Auto | $1804 |
| Progressive | $2157 |
| Geico | $2222 |
Oklahoma is an at-fault state, which means that the driver who caused the car accident pays for the damage. Your insurance company and legal authorities will determine who’s at fault, based on the accident details.
However, Oklahoma also looks at whether both drivers are partially at fault under its modified comparative fault law, according to the legal website Nolo. Under this law, drivers can get reimbursed for their damages as long as they don’t share more of the fault than other drivers.
For example, if you’re 80% at fault for an accident, your insurance will pay for the other driver’s damages. However, since you’re more at fault than the other driver, that driver isn’t required to pay for your damages.
Although you’ll find alternative options to car insurance in Oklahoma, it’s usually a good idea to carry a personal policy. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.
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