Cheapest Auto Insurance in Oklahoma (2025)

Full-coverage car insurance in Oklahoma costs an average of $173 per month, which is slightly lower than the national average of $184. A liability-only policy in the Sooner State costs $87 per month, which is a bit lower than the national average of $104.

Frequent severe weather may affect car insurance costs in Oklahoma, which is in Tornado Alley. Tornadoes can cause massive damage to vehicles, which can lead to higher rates.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Oklahoma.

3 of the cheapest car insurance companies in Oklahoma

State Farm, USAA, and Allstate are three of the cheapest insurers in Oklahoma.

Because rates vary by driver, you should always expand your search to compare quotes from multiple insurers. While these three insurers have the lowest average premiums in Oklahoma, that doesn’t guarantee they’ll have the cheapest rates for you. Consider your coverage needs, budget, and driving record when looking for the best coverage.

State Farm

USAA

Allstate

How to get the cheapest car insurance in Oklahoma

Car insurers consider several factors when setting your premium, including your age, gender, driving history, ZIP code, and credit history.

Here are a few tips for finding the cheapest car insurance in Oklahoma:

• Look for discounts. Insurers offer plenty of discounts, so make sure you know which ones you may qualify for. Common discounts include rewards for bundling coverages, remaining accident-free, and setting up auto pay.

• Raise your deductible. Increasing your deductible will lower your premium, but you’ll have to pay more in the event of an accident. Always set a deductible you can afford to pay if you need to file a claim.

• Shop around. Insurance companies assess your risk factors differently, so premium quotes can vary. Compare quotes from at least three different insurers, and make sure to look at the same coverage levels and deductibles.

Cheapest liability-only car insurance quotes in Oklahoma: State Farm

Oklahoma law requires all drivers to carry liability insurance. This coverage will pay for the other parties’ legal and medical bills related to injuries and damages when you cause a car accident, but it won’t cover your injuries and damages. Carrying liability-only coverage is a good idea if your vehicle is older and you’d replace it after an accident instead of having it repaired.

In Oklahoma, liability-only insurance costs an average of $87 per month. Here are the cheapest insurance companies in Oklahoma for liability-only coverage.

Cheapest full-coverage car insurance quotes in Oklahoma: State Farm

Full-coverage insurance includes liability, collision, and comprehensive insurance, protecting your assets and your vehicle. Collision insurance will cover the costs of repairing your vehicle after an accident or collision with an object. Comprehensive coverage protects against damage from perils such as severe weather, theft, vandalism, and more.

Full-coverage car insurance in Oklahoma costs $173 per month, on average.

The following insurers are the cheapest options for full-coverage insurance in Oklahoma.

Car insurance requirements in Oklahoma

Oklahoma drivers must carry a minimum amount of car insurance to drive legally in the state. The minimum liability requirements offer protection if you cause an accident that injures the other driver or causes property damage. You need to carry the following amounts of bodily injury and property damage liability in Oklahoma:3

Liability insurance doesn’t cover your vehicle or injuries, so you need to consider buying additional coverages to pay for your damages. Here’s a quick overview of some optional coverages you may want to add to your policy:

Cheapest car insurance in Oklahoma by driving record

Insurers consider your driving record when determining your premium. If you have incidents on your record, such as speeding tickets or at-fault accidents, you’ll pay more for coverage.

If you have a DUI charge on your record, you’ll pay a much higher premium due to the severity of the offense.2 

How much you pay will depend on the frequency and severity of your incidents. On average, Oklahoma drivers with an incident on their record pay $97 per month for liability-only insurance and $193 for full-coverage insurance.