The Best Car Insurance in Oklahoma

The most popular insurer in the country, State Farm, has agents in over 45 cities in Oklahoma. The company is known for its strong customer service and low rates — it has the cheapest rates for most drivers in Oklahoma after USAA, including for young drivers. You might also consider State Farm if you own a motorcycle, recreational vehicle (RV), or electric vehicle (EV).

Affordable Rates

State Farm offers some of the most affordable auto insurance rates on the market in Oklahoma, even for teens and certain high-risk categories. Its average full coverage rate is $1,629 per year, which is 24 percent cheaper than the state average and second only to USAA.

In addition, here’s a look at how State Farm’s rates compare to other providers in the state for teen drivers, who are generally very expensive to insure. For reference, the average annual premium for teens in Oklahoma is $6,118.

Discounts for Young Drivers

According to the most recent data from the National Highway Traffic Safety Administration, 13 percent of fatal crashes in Oklahoma involve young drivers, making it one of the most dangerous states for teen drivers in the country.²

State Farm offers coverage and discounts for young drivers that can lower insurance costs and keep teens safer on the road.

Motorcycle and RV Coverage

The U.S. Department of Transportation reports that 150,000 motorcycles are registered in Oklahoma.³ State Farm sells motorcycle insurance, which is typically less expensive than car insurance. It offers the following coverages:

• Bodily injury and property liability
• Medical expenses and personal injury protection (PIP)
• Collision and comprehensive
• Custom parts and equipment (including attached sidecars and protective gear)
• Emergency roadside services
• Trip interruption expenses

If you’re considering purchasing a motorcycle, State Farm has a tool to see how specific models may affect your insurance costs. State Farm offers insurance for the following motorcycle types:

• Classic motorcycles
• Custom motorcycles
• Factory-built motorcycles
• Mini bikes
• Motor scooters
• Trail bikes

If you enjoy traveling the outdoors in your camper or travel trailer — Oklahoma is home to seven national parks, 32 state parks, and numerous other outdoor recreation sites — you can also insure it with State Farm. RV insurance can cover:

• Injuries you or someone else sustains while towing the trailer (extended from towing vehicle liability coverage).
• Damage your camper sustains in an accident.
• Losses like theft, fire, or vandalism — even if the trailer is in storage.
• Roadside services if you break down while traveling with the trailer.

USAA is the fifth-largest auto insurer in the country and a great option for those who qualify for membership. In addition to strong customer service, extensive coverage options, and discounts, USAA offers a top-notch roadside assistance program and competitive rates for auto loans.

High-Quality Coverage for Military

Nationally, USAA offers some of the most competitive auto insurance rates, plus high-quality coverage and customer service, and Oklahoma is no exception. 

In addition to low prices, USAA customers report high levels of satisfaction with the insurer. In the 2024 J.D. Power Customer Satisfaction survey, USAA earned the highest ratings for the central U.S. region, which includes Oklahoma. With a score of 759 out of 1,000, it beat the second-highest rated insurer, Shelter, by over 80 points.

Lower-Than-Average Rates 

USAA is known for offering rates well below the national average, and it is our cheapest provider in Oklahoma. With full coverage policies costing around $1,270 a year or $106 a month, USAA costs over $800 less per year than the statewide average. 

After USAA, State Farm is our second-cheapest provider in Oklahoma, and our favorite for drivers on a budget who do not have any military affiliation.  

Safe Driving Benefits

Insurance companies consider safe drivers less of a risk to insure, which can translate into savings. USAA offers several discounts and perks for good driving in Oklahoma:

• SafePilot: When you enroll in USAA’s SafePilot program, you’ll save 10 percent right off the bat. You’ll install the SafePilot app on your phone, which tracks driving habits like acceleration, braking, and phone use while driving, a form of distracted driving. You can save up to 30 percent for safe driving.
• Accident forgiveness: If you maintain a record of no at-fault accidents for five years, your first at-fault accident won’t affect your premiums.
• Good driver: A clean driving record for five years will not only earn you accident forgiveness, you’ll also get a discount.
• Driver education: As long as you don’t have any accidents or convictions in the past three years, you can get a discount for completing an approved defensive driving or basic driver education course.

In addition to safe driving discounts, the following are available to USAA customers in Oklahoma:

• Bundle: Save up to 10 percent when you insure both your home and vehicle with USAA, whether you own a house or condo, or you rent.
• Multi-vehicle: If you insure two or more vehicles with USAA, you get a discount.
• Garage vehicle on base: Located less than 10 miles from downtown Oklahoma City, the Tinker Air Force Base is one of the largest in the country. If you garage your car there or at any other military base, you’ll save 15 percent on your comprehensive coverage premiums.
• Storing vehicle: If you store your vehicle in a secure location due to deployment or another reason, you can save up to 60 percent. 
• New vehicle: You get a discount on insurance for purchasing a new vehicle, and you may find additional savings by financing with a USAA auto loan.
• Good student: Drivers under age 25 who maintain at least a 3.0 GPA (B average), made the honor roll or dean’s list, or rank in the top 20 percent of their class, save on premiums.

Progressive is one of the most popular auto insurance providers in the U.S. and is known for offering competitive rates for drivers with a DUI on their record. Oklahoma is one of the states with the most drunk drivers involved in fatal crashes per 100,000 licensed drivers,^5,6 so Progressive may be an appealing option to many drivers in the state. It also offers optional rideshare coverage, which extends existing auto insurance coverage into (some, but not all) of the periods someone is operating as a rideshare driver.

Savings for Drivers With DUIs

Progressive offers the cheapest rates in Oklahoma for drivers with DUIs at $2,082 per year on average, even less than USAA and 36 percent below the state average. Drivers with a DUI on their record pay more for car insurance than those with clean records, as insurers consider them a higher risk. 

Along with its affordable rates, Progressive provides several other ways to help drivers save money on their auto insurance policies: 

• Compare auto rates: Progressive’s comparison tool allows prospective customers to compare a range of coverages offered by Progressive, as well as its competitors. To use this tool, you will first need to get a quote from Progressive. 

• Name your price tool: Progressive’s name your price tool can save its customers time. Rather than sorting through multiple discounts and calculating rates, customers can determine the amount they would like to pay for their policy, and Progressive will then show the coverage types available within that budget. Drivers will need to get a quote from Progressive before they can use this tool. 
• Deductible Savings Bank: Progressive offers its customers $50 savings from their comprehensive or collision deductible for every policy period they do not file a claim. Customers who opt in to this coverage will have a slight extra cost added to their premiums. 

Coverage for Rideshare Drivers

For the rideshare drivers in Oklahoma, Progressive offers rideshare coverage as an optional add-on to its auto insurance policies. 

Rideshare coverage works by providing coverage during the “gap” period, which often occurs for rideshare drivers. This is the period between when your normal auto insurance coverage ends (usually when waiting to match with a rider) and when your rideshare company coverage begins (usually when the trip is accepted and you are transporting a rider). Progressive’s rideshare coverage works by extending your personal coverage into the rideshare period. 

During the period your rideshare app is on, and you are waiting to match with a rider, Progressive’s rideshare coverage extends the following coverage types, provided you have already purchased them in your existing Progressive auto insurance policy:

• Bodily injury and property damage — this is also sometimes covered by your rideshare company, but the limits may be lower
• Comprehensive
• Collision 
• Uninsured/underinsured motorist coverage 
• Personal injury protection (PIP) 
• Roadside protection and trip interruption 
• Medical payments coverage
• Rental car reimbursement

During the period when you’re transporting a rider after accepting a trip, Progressive’s rideshare coverage extends roadside trip protection and rental car reimbursement. Often, your rideshare company will provide bodily injury protection, comprehensive, collision, and uninsured/underinsured motorist coverage during this period. 

Highly-Rated Digital Tools

The Progressive app allows customers to view their policy information, access their ID cards, pay bills, report a claim, request roadside assistance, and explore other Progressive products. Progressive has a highly-rated app, with a rating of 4.8 out of 5 stars on the App Store and 4.6 out of 5 stars on the Google Play Store.

It also earned a top-five spot in J.D. Power’s 2025 Digital Experience Study in the service category with a score of 715 out of 1,000,⁸ indicating that existing customers are very satisfied with the ease of use and functionality of Progressive’s digital tools.

Shelter Insurance was founded in 1946 and is headquartered in Columbia, Missouri. It operates in 15 states, including Oklahoma, and underwrites policies for auto, property, business, farm, life, and more. Its rates in Oklahoma tend to be right around the average, but it beats out competitors when it comes to customer satisfaction. Shelter does not allow for online purchasing, so you’ll need to get in touch with a local agent.

Excellent Customer Service in Oklahoma

Regional providers tend to have high customer satisfaction ratings as they are specialized for the local market and generally rely on agents for personalized service, and this is the case for Shelter. It ranked first in J.D. Power’s 2024 Auto Insurance Study for the Central region, which includes Oklahoma, with a score of 677. Technically, only USAA received a higher score, but it’s not officially ranked because it doesn’t meet the study’s eligibility criteria.

In addition, it received a rating of B- from the CRASH Network,⁹ just missing the Honor Roll and ranking 34 out of 97 insurers. This study looks at auto shops’ experience working with insurers, and a high rating means that claims are managed seamlessly, leading to a better experience for the policyholder.

Shelter also has an NAIC Complaint Index of 0.98 as of 2024,¹⁰ meaning it receives slightly fewer complaints than expected in the market.

Strong Coverage Options

One benefit of Shelter is that it includes new car replacement coverage automatically on all auto policies, in addition to the standard bodily injury and property damage liability coverages. Shelter’s new car replacement will pay for a new car of the same year, make, and model if yours is totaled less than a year after you bought it and has fewer than 15,000 miles.

In addition to the included coverages, here are the optional coverages that Shelter offers to help you customize your policy to your needs:

• Comprehensive coverage
• Collision coverage
• Medical payments
• Personal injury protection (PIP)
• Uninsured/underinsured motorist
• Temporary transportation coverage
• Roadside assistance
• Accidental death
• Disability income coverage
• Gap insurance
• Loss of use

Auto Insurance for Oklahoma Small Businesses

If you use your vehicle for your business, you’ll need special business auto insurance to cover it, which Shelter offers. If you have business-use cars, SUVs, light trucks, or vans, Shelter provides the following optional coverages:

If you use box trucks, semi-tractor trailers, farm vehicles, or other larger trucks for your business, Shelter also offers optional commercial auto coverages. These include Employers’ Non-Ownership Liability and Hired Automobile, which are the same as above, as well as Audio/Visual Equipment, which covers the accidental loss of audio or visual equipment that receives or transmits audio, visual, or data signals and isn’t designed solely for sound reproduction.

With 12.6 million auto policies written, Farmers is one of the smaller providers out of our top picks, but is still a major insurer nationally. Founded in 1928, it is one of the oldest insurance companies in the country. Though Farmers’ rates tend to be higher than average, it offers an array of policy options.

Customizable Add-Ons

In addition to standard offerings, Farmers has options you won’t find with every other insurer.

Numerous Discounts

Farmers customers in Oklahoma are eligible for a number of discounts, including the following:

• Signal telematics program, which tracks driving habits, with an additional young driver discount available for drivers aged 24 and younger
• Discount for being accident-free for five years
• Military discount for active-duty, active reserves, retired, or honorably discharged military veterans
• Distant student discount
• Good student discount
• Multi-vehicle discount
• Bundling discount
• Loyalty discount for policies that renew with no more than one at-fault accident in the 12 months before the renewal date
• Pay in full and autopay discounts
• Good payer discount for not having any late billing fees in the 12 months before renewal
• Paperless billing discount
• Having a Farmers-approved device to track a stolen vehicle
• Affinity discount for members or retirees of certain businesses, occupational groups, or professional associations
• Youthful driver discount for drivers under age 25 living with a parent or grandparent who has held a Farmers auto policy for at least 12 months
• Shared family car discount for households with only one driver age 20 or younger and more active drivers than vehicles
• “On your own” discount for drivers under age 29 splitting from an existing household policy on which you’ve been an active driver for at least 12 months
• Homeowner discount

Classic Car Insurance

The iconic Route 66 passes directly through Oklahoma and Oklahoma City. If you have a collectible, exotic, antique, or another type of classic vehicle that you enjoy taking for scenic pleasure rides, to auto shows, or around your neighborhood, Farmers offers special coverage and discounts. These include: