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Last updated: July 7, 2023
The Best Car Insurance in Oklahoma
We rounded up the top auto insurance providers in the state of Oklahoma.
Best Overall Auto Insurance Company in Oklahoma
Allstate is one of the most popular auto insurers in Oklahoma. It offers a good bundling discount, robust coverage options and a pay-per-mile option you won’t find everywhere.
Best Auto Insurance for Military and Veterans in Oklahoma
If you are eligible, USAA is an excellent choice for auto insurance. It claims its customers save an average of $725 annually ($60 monthly) when they switch from other insurers.
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Like most states, Oklahoma requires its 2.5 million licensed drivers to carry at least bodily injury and property damage liability coverage. Purchasing the best insurance policy for you matters, as Oklahomans drive more than most. The state ranks in the top third of annual miles-driven per capita, with the average Oklahoman racking up 11,196 miles per year, according to the United States Department of Transportation.
Data from the National Association of Insurance Commissioners (NAIC) shows the annual average rate of auto insurance in Oklahoma is $908.95, which is 18 percent less than the national average. But the exact amount you’ll pay depends on a number of factors, such as how much coverage you need, your ZIP code, the number of speeding tickets and what discounts you qualify for. We’ve identified the top providers in Oklahoma to help you find the best insurer for your needs.
Summary of the Best Auto Insurance in Oklahoma
- 1.
Best Auto Insurance in Oklahoma Overall: Allstate
- 2.
Best Auto Insurance for Military and Veterans in Oklahoma: USAA
- 3.
Best Auto Insurance for Coverage Options in Oklahoma: Farmers
- 4.
Best Auto Insurance for Young Drivers in Oklahoma: State Farm
Comparison of the Best Auto Insurance in Oklahoma
| Insurance company | Maximum discount for tracking driving habits | Pay-per-mile available in Oklahoma | Bundling discount | J.D. Power regional overall customer satisfaction score (out of 1,000)1 | Review |
|---|---|---|---|---|---|
| Allstate | 40% | Yes | 11% | 816 | Allstate review |
| USAA | 30% | No | 10% | 879 | USAA review |
| Farmers | 15% | No | Not specified | 828 | Farmers review |
| State Farm | 30% | No | Up to $1,127 | 843 | State Farm review |
Detailed List of the Best Auto Insurance in Oklahoma
1. Best Auto Insurance in Oklahoma Overall - Allstate
What We Like Most:
- Three ways to earn a student discount
- Pay-per-mile option for drivers with low mileage
- No waiting period to purchase accident forgiveness
With more than 40 locations in Oklahoma, Allstate is a strong choice no matter where you live in the state. The company holds an A+ rating for financial strength from AM Best, meaning you can count on its ability to pay for a claim.2 It offers a number of coverage options, including some you won’t find everywhere, such as rideshare coverage and new car replacement.
Who It's Best For
- Homeowners
- Families with student drivers
- Drivers seeking extensive coverage options
- People looking for pay-per-mile plans
Who It's Not Best For
- Customers looking for the absolute cheapest auto insurance
Bundling Savings
In terms of extreme weather, Oklahoma is known for tornadoes. Due to its proximity to “tornado alley,” state capital Oklahoma City is especially prone. Tornadoes can cause wind and water damage to your home or vehicle from the wind itself or related events like fallen trees.
Insurance can help pay for damage to your home or vehicle due to tornadoes or other extreme weather. To ensure protection from tornadoes, confirm that your policy covers windstorm damage.
In Oklahoma, Allstate customers save an average of 11 percent for bundling home and auto insurance. In addition, you can save on auto insurance with discounts for the following:
- Driving a vehicle equipped with antilock brakes and/or an antitheft device
- Driving a new car (current model year or one prior)
- Setting up automatic withdrawals for your premiums or paying in full
- Going paperless
- Signing your policy at least seven days before it goes into effect
- Being a responsible payer (no cancellation notice for nonpayment in the last year)
- Driving safely (Allstate issues a credit automatically for every six months you drive without an accident)
Multiple Student Discounts
Oklahoma is home to major universities like the University of Oklahoma, University of Tulsa and Oklahoma State University. Whether you’re a college student, high school student or nontraditional student, Allstate has ways to earn its student discount.
To qualify for Allstate’s student discount, a driver must be unmarried, be under the age of 25 and fulfill any one of the following criteria:
- Attend school full-time and maintain at least a 2.7 GPA (B-minus average)
- Complete the online teenSMART driver education program successfully
- Attend school at least 100 miles away from where the car is garaged
Additionally, students who drive infrequently may benefit from Allstate’s pay-per-mile program, Milewise. Milewise is available in 21 states, including Oklahoma. You pay a daily base rate and an additional rate per mile driven, tracked by the Allstate app and a Milewise device you install on your car.
Robust Coverage Options
As a major insurer, Allstate offers the following standard auto insurance coverages:
| Coverage | Limits |
|---|---|
| Bodily injury liability coverage per person and per accident | $25,000/$50,000 |
| Property damage liability | $25,000 |
| Uninsured/underinsured motorist (UIM) | Not part of Oklahoma’s car insurance requirements |
| Personal injury protection (PIP) | Not part of Oklahoma’s car insurance requirements |
| Medical expenses | Not part of Oklahoma’s car insurance requirements |
| Comprehensive and collision | Not part of Oklahoma’s car insurance requirements |
While Oklahoma only requires liability coverage, how much insurance you need depends on a number of factors. For example, some lenders require you to carry additional coverages like comprehensive and collision if you are leasing or financing your vehicle. And while the state doesn’t require drivers to carry UIM coverage, it’s often a good idea. The Insurance Research Council estimates that 13 percent of drivers in Oklahoma are uninsured, which is about the same as the national average.3
In addition to full coverage car insurance, which includes the minimum insurance requirements in Oklahoma, Allstate offers some extra coverages that prove useful, including:
- Roadside coverage: Roadside assistance covers lockouts, fuel delivery, towing, tire changes and jump-starts.
- Rideshare coverage: If you drive for Uber, Lyft or another service, rideshare coverage protects you when the app is on and you’re waiting for a passenger assignment or driving to pick up a passenger. Your transportation network’s coverage only applies when a passenger is in the car, while your personal auto policy won’t cover any time you spend with your rideshare app active.
- Rental reimbursement coverage: Rental coverage pays for the cost of a rental car or other transportation expenses while your vehicle is in the shop due to an insured loss.
- Classic car coverage: Classic car coverage covers regular, modern and antique classics, vehicles under restoration, modified vehicles, custom builds and more.
- Mexico insurance: If you’re traveling to Mexico, Allstate offers coverage that’s valid across the border.
2. Best Auto Insurance for Military and Veterans in Oklahoma - USAA
What We Like Most:
- Cheapest rates for teens on a family policy or on their own
- Special discount for teens transitioning off their parents’ policy
- Strong customer service and claims process
USAA is the fifth-largest auto insurer in the country and a great option for those who qualify for membership. The company reports the average monthly cost for auto policies issued in Oklahoma in 2022 was $166.4 You may pay more or less, depending on the coverage you choose. In addition to strong customer service, extensive coverage options and discounts, USAA offers a top-notch roadside assistance program as well as competitive rates for auto loans.
Who It's Best For
- Military members, veterans and their families
- Drivers with good records
- Customers seeking numerous discount options
- Troops storing their cars while deployed
Who It's Not Best For
- People not affiliated with the U.S. military
- Drivers who need gap insurance and didn’t finance with USAA
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.
FACT:
Oklahoma is home to 21,000 active-duty troops and nearly 300,000 veterans.5
In addition to low prices, USAA customers report high levels of satisfaction with the insurer. In a J.D. Power survey, USAA ranked the highest in customer satisfaction for the central U.S. region, which includes Oklahoma. With a score of 879 out of 1,000, it beat the next-ranked insurer, Shelter, by over 10 points.
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.
Numerous Ways to Save
USAA offers competitive baseline auto insurance rates and you can save even more by applying discounts. 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.
- Multivehicle: 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.
3. Best Auto Insurance for Coverage Options in Oklahoma - Farmers
What We Like Most:
- Keeps rates low after one accident
- Rental coverage available if your car is out of commission
- More coverage options for damaged parts
With 12.6 million auto policies written, Farmers is the smallest provider of our top four picks but still a major insurer nationally. Founded in 1928, it is one of the oldest insurance companies in the country. The NAIC gave Farmers a score of 0.79 on its Customer Complaint Index, meaning the company receives fewer customer complaints than competitors.6 Though Farmers’ rates tend to be higher than average nationally, its rates in Oklahoma are competitive and it offers an array of policy options.
Who It's Best For
- Customers seeking coverage options and add-ons not available elsewhere
- People who want declining deductibles
- Classic car owners
- Rideshare drivers
Who It's Not Best For
- Drivers seeking pay-per-mile plans
- Drivers with DUIs
Customizable Add-Ons
In addition to standard offerings, Farmers has options you won’t find with every other insurer,
| Policy add-on | Details |
|---|---|
| Declining deductible | Reduce your collision deductible by $50 (6-month renewal) or $100 (annual renewal) as long as you stay claims-free. After 3 years without a claim, you get this benefit without an additional charge. |
| Enhanced roadside assistance | In addition to standard 24/7 roadside coverage, such as jump-starts, lockouts and towing, you get the following benefits:
|
| Vehicle replacement | In the event of a total loss, Farmers will replace your vehicle with a newer one:
|
| Glass deductible | Reduce your deductible to $100 for glass damage and pay no deductible for chip repairs that don’t require glass replacement. |
| Accident forgiveness | If you are at fault for an accident, Farmers will not increase your premiums. You can use this benefit once every 3 years. After 3 years without an at-fault accident, you get this benefit without an additional charge. |
| Rental and alternative transportation | When purchasing this add-on, you get to choose between the following options:
|
| New original parts | If available, Farmers will pay for new parts from the original equipment manufacturer (rather than aftermarket parts) in the event of a covered loss. |
| Customized equipment | In the event of a covered loss, Farmers pays to repair or replace permanently installed aftermarket equipment (e.g., suspension upgrades, custom stereos). The customizations must be over $1,000 to qualify. |
| Rideshare and food delivery | Rideshare and food delivery companies’ insurance policies only offer liability coverage and do not protect you in the period when you’ve turned on the app but haven’t yet picked up a rider. Farmers extends the coverage of your personal policy to protect you when the rideshare company doesn’t. |
TIP:
Lyft drivers in Ardmore and Woodward, Oklahoma, must drive vehicles with model years of 2013 or newer. In all other Oklahoma cities, vehicles must be model years 2007 or newer.7
Numerous Discounts
Farmers customers in Oklahoma are eligible for a number of discounts, including the following:
- Use the Signal app to track driving habits, with an additional young driver discount available for drivers aged 24 and younger
- Remain accident-free for five years
- Be an active-duty, active reserves, retired or honorably discharged military veteran
- Attend school more than 100 miles away from where the car is garaged
- Maintain a 3.0 GPA or higher
- Insure multiple vehicles with Farmers or bundle auto with another policy, like home or renters insurance
- Pay on time, automatically or in full
- Enroll in paperless billing
- Install a Farmers-approved device to track a stolen vehicle
- Be an employee, member or retiree of certain businesses, occupational groups or professional associations
- Share a car in a household with at least one unmarried driver up to age 20
- Be a driver under age 25 living with a parent or grandparent who has held a Farmers auto policy for at least 12 months
- Be a driver under age 29 splitting from an existing household policy on which you’ve been an active driver for at least 12 months
- Own a home, whether you insure it with Farmers or another company
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:
| Coverage | Details |
|---|---|
| Guaranteed/agreed value | Unlike regular vehicles, classic cars appreciate in value over time. Farmers works with you to agree on the value for the vehicle you’ll receive in the event of a total loss. |
| Original parts replacement and spare parts | Your policy can specify original replacement parts, including rare parts. With spare parts coverage, you can get up to $750 in spare parts at no additional cost. |
| Special coverage arrangements | If you want to take your car to a show abroad, you can get special coverage arrangements to ensure it’s protected outside the country. |
| Towing and roadside assistance | Your policy can include 24/7 road service in the event of a breakdown. |
| Full windshield and safety glass coverage | If your classic car’s windshield sustains a chip or crack, this coverage allows you to have it fixed or replaced without paying a deductible. |
| Multivehicle discount | If you own multiple classic cars, as many collectors do, you can get a discount by insuring them together. |
4. Best Auto Insurance for Young Drivers in Oklahoma - State Farm
What We Like Most:
- Multiple discounts for safe driving, including one specifically for young drivers
- Local agents
- Discounts for multiple cars
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 and it’s a particularly good choice for younger drivers. You might also consider State Farm if you own a motorcycle, recreational vehicle (RV) or electric vehicle (EV).
Who It's Best For
- Families with young drivers
- Motorcycle drivers
- RV owners
- EV owners
Who It's Not Best For
- Military members and their families
- High-risk drivers
Discounts for Young Drivers
The cost of insuring teen and young drivers is higher than for adults. According to the most recent data from the National Highway Traffic Safety Administration, 9 percent of fatal crashes in Oklahoma involve young drivers, making it one of the most dangerous states for teen drivers in the country.8
State Farm offers coverage and discounts for young drivers that can lower insurance costs and keep teens safer on the road.
| Discount | Maximum age | Maximum savings | Details |
|---|---|---|---|
| Steer Clear | 25 | 15% | Young drivers with no at-fault accidents or moving violations in the past 3 years can complete a special safe driving program to earn the discount. |
| Drive Safe & Save | Not restricted | 30% | Use your smartphone to track driving habits like braking, acceleration, phone use and night-time driving and earn a discount for safe driving. |
| Good student | 25 | 25% | Students with a 3.0 GPA (B average) or higher get a discount, which lasts even after college graduation. |
| Driver training | 21 | Not specified | Young drivers earn this discount for completing an approved driver education course. A licensed instructor must teach the course and it must involve both classroom instruction and driving experience (either real or simulated). |
| Defensive driver | Not restricted | 5% | Drivers who complete a defensive driver class involving at least 6 hours of instruction get a discount. You must have completed the course within the past 3 years and not as a requirement for a DUI or similar offense. |
Motorcycle Insurance
The U.S. Department of Transportation reports that 130,000 motorcycles are registered in Oklahoma.9 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
RV Coverage
Oklahoma is home to seven national parks, 32 state parks and numerous other outdoor recreation sites. If you enjoy traveling the outdoors in your camper or travel trailer, you can 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.
Methodology
We take a multipronged approach to pick the top insurance companies for customers in Oklahoma:
- Proprietary data: With two decades in the business, AutoInsurance.com has collected millions of data points on insurance providers across each state, including Oklahoma. We use that data to identify the top companies in Oklahoma.
- Public information: We look at third-party reports from organizations like S&P Global, the NAIC, AM Best, Moody’s, J.D. Power, Better Business Bureau and others for qualities like customer service and financial strength.
- Institutional knowledge: Our team holds extensive experience in the auto insurance industry. At the helm is Paul Ford, president of insurance services at Centerfield, AutoInsurance.com’s parent company. Paul’s past experience includes time at Bankrate, Capital One Insurance Services, Datalot and elsewhere. His expertise informs and guides our research and recommendations.
Frequently Asked Questions
Is Oklahoma a no-fault state?
No, Oklahoma is not a no-fault state. Oklahoma is an at-fault state, meaning the at-fault driver’s insurance company is primarily responsible for paying for damages and costs associated with an accident.
What is the penalty for not having car insurance in Oklahoma?
In Oklahoma, the penalty for driving without car insurance is a $250 fine. You also face misdemeanor charges and license suspension until you provide proof of insurance. When you reinstate your license, you’ll have to pay up to $600 in fees.
What happens if the person at-fault in an accident has no insurance in Oklahoma?
If the at-fault party in an accident does not have insurance in Oklahoma, the other party is first covered under uninsured/underinsured motorist, medical payments and collision coverage if they opted to have it. If the other party does not hold these coverages, they can file a lawsuit against the at-fault party for their losses.
Can you self-insure your car in Oklahoma?
You can only self-insure your car in Oklahoma if you own a fleet of vehicles (25 or more). Otherwise, you must carry liability insurance to register or drive a vehicle in Oklahoma.
Citations
Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).
https://www.jdpower.com/business/press-releases/2022-us-auto-insurance-studySearch for a Rating. AM Best. (2023).
https://ratings.ambest.com/One in Eight Drivers Uninsured: $13 Billion Spent in 2016 to Protect Against Uninsured and Underinsured Drivers. Insurance Research Council. (2021, Mar 22).
https://www.insurance-research.org/sites/default/files/downloads/UM%20NR%20032221.pdfOklahoma Car Insurance. USAA. (2023).
https://www.usaa.com/inet/wc/oklahoma-car-insurance?akredirect=trueNational Center for Veterans Analysis and Statistics. U.S. Department of Veterans Affairs. (2023).
https://www.va.gov/vetdata/veteran_population.aspFarmers Ins Co Inc National Complaint Index Report. National Association of Insurance Commissioners. (2023).
https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=21628&:refreshOklahoma Driver Information. Lyft. (2023).
https://help.lyft.com/hc/en-us/all/articles/115013083488-Oklahoma-Driver-InformationFatality and Injury Reporting System Tool (FIRST). National Highway Traffic Safety Administration. (2023).
https://cdan.dot.gov/queryHighway Statistics Series: State Statistical Abstracts. U.S. Department of Transportation. (2023).
https://explore.dot.gov/views/StateStatisticalAbstracts
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