Compare Cheap Auto Insurance in Oklahoma

For drivers who are affiliated with the military, USAA has the cheapest full coverage rates in Oklahoma at $1,704 annually, on average. That’s 63 percent below the state average. Progressive has the cheapest rates for non-military drivers, with an average annual premium of $2,045 — 26 percent cheaper than the state average.

USAA and Progressive also have the best average rates for minimum coverage at $400 per year and $476 per year, respectively. Both rates are well below the state average of $710. State Farm and GEICO also offer below-average rates for minimum coverage.

USAA and GEICO offer the cheapest auto insurance rates for households with teens in Oklahoma. USAA’s average annual premium of $4,272 is well below the state average of $5,822, but it is only available to military members, veterans and their spouses and children. GEICO also offers competitive rates for non-military teen drivers at $5,328 annually, which is 9 percent below the state average.

USAA is the cheapest option for auto insurance for drivers with a speeding ticket in Oklahoma, with an average of $1,791 annually. Progressive and State Farm are next-cheapest.

For drivers with an at-fault accident in Oklahoma, USAA has the cheapest rates for military-affiliated drivers and their families at $2,393 per year, which is 28 percent lower than the state average. State Farm has similarly affordable rates, with an average annual premium of $2,453.

Progressive offers the lowest rates for Oklahoma drivers with a DUI — it was named the best auto insurance provider for drivers with a DUI in our recent rankings. In Oklahoma, it has an average annual premium of $2,076, which is 44 percent lower than the state average. USAA and State Farm also offer competitive rates.

USAA offers the cheapest auto insurance, on average, for military-affiliated drivers in Oklahoma with low credit. Its average annual premium of $2,729 is 33 percent below the state average. Progressive and GEICO also have affordable rates in the category at $2,737 per year and $3,070 per year, respectively.

Shelter tends to have rates that are more or less in line with the state average for most driver profiles — in other words, it’s not the cheapest — but it has better customer service ratings than most competitors. It’s worth taking this into account when shopping around for car insurance. USAA and State Farm also rank well in terms of customer satisfaction.

Oklahoma Farm Bureau is too small to be rated by most third parties, but according to the National Association of Insurance Commissioners (NAIC), the company receives fewer than average customer complaints¹. In general, Farm Bureau affiliates tend to be well-rated for service.

1. Maintain a clean record: A violation on your record, even just a speeding ticket, will cause your premiums to increase. To keep your rates as low as possible, drive safely and do your best to avoid speeding, at-fault accidents and other violations.
2. Bundle policies: Most providers offer a bundling discount for getting more than one insurance policy with them. It’s usually around 25 percent off both policies, but it can be higher or lower depending on the provider. If you need another policy type, such as home or renters, get quotes for these as well when you shop around for car insurance so you can compare discounts.
3. Increase deductibles: If you have full coverage, you’ll have separate deductibles for comprehensive and collision coverage. The deductible is the amount you pay out of pocket before insurance kicks in, so the lower the deductible, the more risk the insurer is taking on. Choosing no deductible will lead to a higher premium; increasing one or both deductibles can lower it. The maximum deductible is usually $2,000, but it can vary. Just make sure you can afford to pay it in case of a claim. If you’re unsure, a deductible of $1,000 usually strikes a good balance.
4. Improve your credit: In Oklahoma, having a poor credit history can raise your rates by an average of 59 percent per year, which is significant. Working to improve your credit by making on-time payments and paying off debt can help you lower your insurance premiums over time.

The average cost of auto insurance can vary widely based on where you live, including within a state. Oklahoma City has the most expensive rates in the state at $2,881 per year, which is 4 percent higher than the state average. Meanwhile, Norman has lower rates at $2,693 per year on average.

Oklahoma state law requires drivers to carry auto insurance with the following minimum limits:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident

These limits are pretty standard when compared to other states, but that doesn’t mean they’re sufficient. We recommend increasing your limits for more robust financial protection and opting for full coverage if you want to cover damage to your own vehicle as well.

We analyze average auto insurance premiums in Oklahoma for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible