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Last updated: October 30, 2025Best Cheap Car Insurance in Oklahoma City
State Farm, USAA, Allstate, Progressive, and Shelter are our top picks for car insurance in Oklahoma City.
Best Value
Editor's Rating:
4.9/5
4.9/5
Average Cost in Oklahoma City
- Full Coverage Monthly: $152
- Minimum Coverage Monthly: $46
Best for Military and Veterans
Editor's Rating:5/5
5/5
Average Cost in Oklahoma City
- Full Coverage Monthly: $139
- Minimum Coverage Monthly: $55
Best for Bundling
Editor's Rating:4.4/5
4.4/5
Average Cost in Oklahoma City
- Full Coverage Monthly: $255
- Minimum Coverage Monthly: $64
Key Takeaways
- Car insurance in Oklahoma City costs more than the statewide average. Full coverage costs $2,282, and minimum coverage costs $783.
- State Farm and USAA offer some of the lowest rates in Oklahoma City for both full and minimum coverage.
- Premiums vary depending on your driving history, vehicle, and exact location. For the most accurate rates, get quotes directly from the provider.
Our Top Picks for the Best Cheap Auto Insurance in Oklahoma City
- Best Value: State Farm
- Best for Military Members and Veterans: USAA
- Best for Bundling: Allstate
- Best with a DUI: Progressive
- Best for Customer Service: Shelter
Compare the Best Cheap Auto Insurance in Oklahoma City
| Company | Full coverage annual average | Minimum coverage annual average | Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $1,828 | $551 | Above average |
| USAA | $1,671 | $656 | Above average |
| Allstate | $3,055 | $772 | Below average |
| Progressive | $2,306 | $928 | Below average |
| Shelter | $3,287 | $645 (Oklahoma average) | Above average |
| Oklahoma City | $2,282 | $783 |
|
Detailed List of Cheap Providers in Oklahoma City
1. State Farm - Best Value
4.9
Editor's Rating:
- Average Rate for Minimum Coverage
- $54 mo.
- Average Rate for Full Coverage
- $169 mo.
- Cheap Oklahoma City rates
- Strong customer satisfaction
- Low rates for Oklahoma drivers with an at-fault accident
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm offers the lowest minimum coverage rates in Oklahoma City and the second-lowest full coverage rates. Its claims and customer satisfaction scores are higher than average in the Central region, and it’s known nationwide for offering a high standard of customer service—that’s why we named it the best cheap widely available provider in Oklahoma.
Who it’s best for
State Farm is a great option if you’re looking for a major provider offering high-quality, good-value service. It also offers the lowest rates for drivers with an at-fault accident on their record in Oklahoma—$1,826, 30 percent lower than the statewide average of $2,634.
State Farm Oklahoma City Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $152 | $46 |
| Annually | $1,828 | $551 |
| Difference from Oklahoma City average | -20% | -30% |
2. USAA - Best for Military Members and Veterans
5
Editor's Rating:
- Average Rate for Minimum Coverage
- $36 mo.
- Average Rate for Full Coverage
- $128 mo.
- Low rates for military members and their families
- Excellent customer service
- Good rates for high-risk drivers
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA offers the cheapest full coverage rates and the second cheapest minimum coverage rates in Oklahoma City. It fares well in both J.D. Power’s claims and customer satisfaction surveys, though it’s technically ineligible thanks to its limited availability—USAA is available only to military members, veterans, and their immediate families. It’s known nationwide for offering lower-than-average rates and a high level of customer service.
Who it’s best for
Due to its availability, USAA is best for military members, veterans, and their families seeking the lowest rates. It’s also a good option for high-risk drivers—it offers the lowest rates for policies with teens, drivers with low credit, and those with a speeding ticket in Oklahoma.
USAA Oklahoma City Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $139 | $55 |
| Annually | $1,671 | $656 |
| Difference from Oklahoma City average | -27% | -16% |
3. Allstate - Best for Bundling
4.4
Editor's Rating:
- Average Rate for Minimum Coverage
- $69 mo.
- Average Rate for Full Coverage
- $243 mo.
- Bundling discounts with multiple policies
- Offers accident forgiveness
- Offers gap insurance
- Telematics needed for best savings
- Mixed claims reviews
Why we chose it
Allstate’s average minimum coverage rates in Oklahoma are 16 percent lower than the statewide average. Though its full coverage rates are higher than the citywide average, customers looking for both car and home insurance can save up to 25 percent by bundling with Allstate. It’s one of the largest nationally available car insurance providers.
Who it’s best for
Allstate is best for those looking to save by bundling multiple insurance policies. Given its low minimum coverage rates, it’s also a good option for those looking for lower limits auto insurance—though we usually recommend opting for higher than minimum coverage. It also offers gap insurance, making it a great choice for drivers with financed new cars or leased vehicles.
Allstate Oklahoma City Pricing
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $255 | $64 |
| Annually | $3,055 | $772 |
| Difference from Oklahoma City average | +34% | -1% |
4. Progressive - Best with a DUI
4.7
Editor's Rating:
- Average Rate for Minimum Coverage
- $59 mo.
- Average Rate for Full Coverage
- $172 mo.
- Low DUI rates in Oklahoma
- Offers usage-based insurance
- Low full and minimum coverage rates
- Mixed reviews for customer service
- Gap insurance won’t necessarily cover full amount owed
Why we chose it
Progressive is the cheapest insurer for drivers with a DUI in Oklahoma—typically, drivers with a DUI can expect their car insurance premiums to increase by about 83 percent. Progressive’s average DUI rate in Oklahoma is $2,082 annually—36 percent lower than the statewide average DUI rate ($3,232).
>>Related: Learn more about how Progressive compares with State Farm.
Who it’s best for
Progressive is a great option for drivers with a DUI looking for the lowest possible rates. Its highly-rated commercial insurance makes it a good option for those who need vehicle insurance as part of their business, and its usage-based insurance, Progressive Snapshot, makes it a great choice for those who drive less often or always practice safe driving habits.
Progressive Oklahoma City Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $192 | $77 |
| Annually | $2,306 | $928 |
| Difference from Oklahoma City average | +1% | +18% |
5. Shelter - Best for Customer Service
4.2
Editor's Rating:
- #1 in the Central region according to J.D. Power
- Widely available local agents
- Good claims process
- Limited states
- Agent-only
- Modest digital tools
Why we chose it
Shelter has the highest J.D. Power customer satisfaction scores in the Central region (aside from USAA, which does not technically qualify for the study). It’s also the only one of our Oklahoma City providers to have an NAIC Complaint Index Score below 1 (meaning it receives fewer complaints than average). Though it’s not included in the J.D. Power Claims handling survey, it was awarded a B from the CRASH Network Insurer Report Card, suggesting it offers a good service when it comes to filing claims.
Who it’s best for
Shelter’s Oklahoma City full coverage rates are higher than the statewide average—still, its excellent customer service scores make it an excellent choice for drivers who prioritize a high standard of customer care over finding the absolute lowest rates.
Shelter Oklahoma City Pricing
| Shelter | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $274 | $54 (Oklahoma state average) |
| Annually | $3,287 | $645 (Oklahoma state average) |
| Difference from Oklahoma City average | +44% | -5% (Difference from Oklahoma minimum coverage average) |
Oklahoma City Best Cheap Picks – Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Central1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| State Farm | 664 | C- | 716 | 2.13 |
| USAA | 719 | D+ | 741 | 1.31 |
| Allstate | 644 | D | 693 | 4.06 |
| Progressive | 637 | C | 673 | 2.51 |
| Shelter | 673 | B | Not rated | 0.99 |
| Average | 649 (out of 1,000) | C- | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Oklahoma City
USAA offers the cheapest full coverage rates in Oklahoma City, with an average annual cost of $1,671 and a monthly cost of $139. State Farm and GEICO offer the next cheapest rates, with respective annual costs of $1,828 and $2,120.
Cheapest Minimum Coverage Car Insurance in Oklahoma City
| Company | Annual Oklahoma City Average | Monthly Oklahoma City Average |
|---|---|---|
| State Farm | $551 | $49 |
| USAA | $656 | $55 |
| Mercury | $669 | $56 |
| Allstate | $772 | $64 |
| Progressive | $928 | $77 |
| GEICO | $997 | $81 |
| Farmers | $1,236 | $103 |
| Oklahoma City average | $783 | $65 |
| Oklahoma average | $679 | $57 |
| U.S. average | $635 | $53 |
How Many Car Accidents Happen in Oklahoma City?
In 2021 (the most recent data available), Oklahoma City experienced a total of 1,700 car accidents, fatal, serious, and minor crashes.5 In the same year, 99 of these crashes were fatal—this is 13 percent, or just over one in 10, of the total number of road fatalities in the state of Oklahoma (762).
Downtown Oklahoma City, I-44 and the Northwest Expressway, and South Oklahoma City around the airport are some of the most dangerous places to drive.
| Area | Key Roads | Risk Factors |
|---|---|---|
| Downtown OKC | I-40, I-235, I-35 | Congestion, merges, high volume |
| I-44 / NW Expressway | I-44, NW Expressway, Penn | Complex interchanges |
| South OKC / Airport | I-44, I-240, SW 44th–89th | Freight + commuter mix |
Minimum Auto Insurance Requirements in Oklahoma City
Drivers are required to purchase certain auto insurance to drive legally in Oklahoma City. Legal auto insurance minimum requirements vary by state. In Oklahoma, these legal limits are:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident6
Though these amounts represent the legal minimum limits, they’re unlikely to provide adequate coverage if you’re ever involved in a serious accident. We recommend adding additional coverage, or opting for full coverage.
FYI:
Oklahoma is an at-fault state (or “tort” state), meaning the driver responsible for causing the accident is also responsible for covering the cost of the accident.
Frequently Asked Questions
On average, car insurance costs $179 per month for full coverage and $57 for minimum coverage. Depending on your provider and coverage type, insurance for someone with a clean driving record in Oklahoma can cost as much as $3,041 and as little as $362.
In Oklahoma, minimum coverage limits are $25,000 per person/$50,000 per accident for bodily injury liability, and $25,000 for property damage.
Progressive offers auto insurance policies in Oklahoma. Its full and minimum coverage rates are lower than the statewide average, and it also offers the lowest available rates on average for drivers with a DUI in the state.
The exact cost of auto insurance varies significantly based on your vehicle, age, driving history, and other factors. On average, however, Wyoming offers the lowest car insurance rates in the U.S. Its average full coverage policy cost is $1,211 annually or $101 a month, and its average minimum coverage cost is $343.
Methodology
At Autoinsurance.com we take four key factors into account when reviewing our best providers:
- Price (40%): We reviewed average full and minimum coverage costs in Oklahoma City based on drivers with clean records and good credit. Our full coverage averages use the following limits:
-
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Medical payments: $5,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): We favor providers that offer transparent, efficient, and prompt claims processes. We also value clear, consistent communication and timely payment resolution. We review sources such as the CRASH Network Insurer Report Card, J.D. Power’s Claims Satisfaction Report, and financial strength sources such as AM Best. When available, we also consider real-life experiences.
- Customer Experience (25%): We review the customer journey from getting a quote to purchasing and managing a policy. We review the quality and ease of interactions online and with in–person agents. We base our assessments on sources such as J.D. Power’s studies, BBB ratings, app store reviews, and the NAIC complaint index.
- Coverage Options (10%): We consider the coverage offerings of each of our providers. We favor providers who offer additional coverage types such as gap coverage, accident forgiveness, and rideshare coverage.
Learn more about our ratings and methodology.
Sources
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmOHSO Interactive Crash Maps. Oklahoma Highway Safety. (2025).
https://okdpswf.maps.arcgis.com/apps/MapSeries/index.html?appid=bbceac52ab4644cb8e9d9753bfd8f137Auto Insurance: Common Myths. Oklahoma Insurance Department. (2025).
https://www.oid.ok.gov/auto-insurance-common-myths/
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