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Cheap car insurance in Oklahoma

How to get the best car insurance in Oklahoma

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Oklahoma city at night

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How much is car insurance in Oklahoma?

Each state has its own driving laws and auto insurance requirements, and Oklahoma can be one of the priciest states for car insurance. Compare the state’s minimum coverage requirements, driving laws you should know about and how to get cheap car insurance in Oklahoma.

Oklahoma

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,500

Average annual car insurance cost

30

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Oklahoma car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$663,64824.0%
Farmers$304,30211.0%
Progressive$294,30910.6%
Geico$213,3287.7%
Allstate$201,1167.3%
USAA$183,7086.6%
Liberty Mutual$173,0236.2%
OK Farm Bureau$106,3283.8%
Shelter$97,0143.5%
AAA$91,8173.3%

How to get cheap car insurance in Oklahoma

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.

Average car insurance costs in Oklahoma

Depending on which city or town you live in, your monthly insurance costs can be affected by the place you call home. Factors include crime rates, climate, your commuting distance and average costs of living in your area. The average cost for car insurance in Oklahoma in 2017 was $123 per month, compared to $112 in Colorado and $97 in Illinois.

You tend to pay higher insurance costs to live and commute around a city like Tulsa or Oklahoma City than you would out in the country.

Cheapest car insurance in Oklahoma

Rates last updated September 2nd, 2019
Company Median annual rate Learn more
Allstate $685 Read review
USAA $858 Read review
State Farm $507 Read review
Geico $878 Read review
Shelter $574 Read review
Farmers $483 Read review
SafeAuto $478 Read review
Progressive $505 Read review
Average $621 Compare more reviews

Which city has the cheapest car insurance in Oklahoma?

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.

Car insurance quotes in Yukon

CompanyAnnual car insurance rate
Allstate$1570
Farmers$1448
Safe Auto$1541
Progressive$1969
Geico$2056

Car insurance quotes in Broken Arrow

CompanyAnnual car insurance rate
Allstate$1820
Farmers$1465
Safe Auto$1650
Progressive$2053
Geico$2360

Car insurance quotes in Oklahoma City

CompanyAnnual car insurance rate
Allstate$1756
Farmers$1506
Safe Auto$1747
Progressive$1928
Geico$2096

Car insurance quotes in Lawton

CompanyAnnual car insurance rate
Allstate$1574
Farmers$1122
Safe Auto$1354
Progressive$1797
Geico$1787

Car insurance quotes in Tulsa

CompanyAnnual car insurance rate
Allstate$1816
Farmers$1605
Safe Auto$1804
Progressive$2157
Geico$2222

Does my credit score affect my insurance rates in Oklahoma?

Yes, it can. While factoring a person’s credit score into their car insurance rates is banned in California, Massachusetts and Hawaii, insurers in the 47 other states — including Oklahoma — can use your credit score as an indication of risk.

Independent studies conducted by the University of Texas and the Federal Trade Commission suggest that drivers with higher credit scores are less likely to file claims with their car insurance provider. In most US states, providers can use this information to assess risk when insuring drivers. This means that a higher credit score could translate into lower monthly rates, and vice-versa.

Oklahoma minimum car insurance requirements

To legally drive in Oklahoma, you’ll need liability insurance that includes at least property damage and bodily injury liability. When shopping for car insurance, you’ll sometimes see this written as 25/50/25. When it comes to uninsured/underinsured motorists (UM/UIM) coverage, Oklahoma is an opt-out state. Oklahoma insurance companies are required to offer you UM/UIM insurance, and you must sign a waiver to opt out of carrying it.

  • $25,000 for injury or death to one person
  • $50,000 for injury or death to more than one person
  • $25,000 for damage to property

Can I get SR-22 insurance in Oklahoma?

Oklahoma is one of the few US states that doesn’t require SR-22 — a certificate that tells the state you have the minimum car insurance coverage required to get behind the wheel. Sometimes a state will require you to file this document after you’ve received a DUI, were ticketed for driving without insurance or accumulated so many points on your driving record. While Oklahoma doesn’t require it, you might need to keep your SR-22 insurance if you move here from a state that does require it.

Bottom line

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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Frequently asked questions about car insurance in Oklahoma

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