Cheapest Auto Insurance in Oklahoma (2025)
State Farm has the cheapest liability insurance in Oklahoma, with a monthly rate of $41.
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Full-coverage car insurance in Oklahoma costs an average of $164 per month, which is slightly lower than the national average of $177. A liability-only policy in the Sooner State costs $83 per month, which is a bit lower than the national average of $100.
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.
Quick Facts
State Farm, USAA, and Mercury are the cheapest insurers in Oklahoma.
Oklahoma is an at-fault state, which means a driver responsible for an accident must cover the other party’s resulting damage and injury.
The overall average cost of car insurance in Oklahoma is $124 per month.
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.
Find Cheap Car Insurance in Oklahoma
Liability quotes in Oklahoma start at $41 per month
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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 $83 per month. Here are the cheapest insurance companies in Oklahoma for liability-only coverage.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $41 |
| USAA | $51 |
| Allstate | $56 |
| Mercury | $56 |
| National General | $68 |
| Root | $76 |
| The General | $78 |
| Safeco | $79 |
| Farmers | $86 |
| GEICO | $92 |
| CSAA | $100 |
| Direct Auto | $100 |
| Bristol West | $101 |
| GAINSCO | $108 |
| Shelter | $121 |
| Liberty Mutual | $174 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $164 per month, on average.
The following insurers are the cheapest options for full-coverage insurance in Oklahoma.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $75 |
| USAA | $94 |
| Allstate | $103 |
| Progressive | $135 |
| Root | $139 |
| Mercury | $142 |
| National General | $145 |
| CSAA | $158 |
| Farmers | $159 |
| GEICO | $159 |
| Safeco | $162 |
| The General | $172 |
| Direct Auto | $185 |
| Shelter | $223 |
| Bristol West | $240 |
| Liberty Mutual | $256 |
| GAINSCO | $286 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your age plays a role in how much you pay for car insurance.
Teen drivers pay some of the highest premiums for car insurance due to their lack of driving experience. Statistics show that teenagers have a higher likelihood of having an accident and filing a claim than older drivers.
Senior drivers pay a bit more for car insurance once they move into their 70s due to age-related risk factors, such as vision and hearing loss, slowing reflexes, and other health or medication issues.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $163 $322 Adult drivers $85 $168 Senior drivers $70 $138 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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:[?]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
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.[?]
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 $98 per month for liability-only insurance and $194 for full-coverage insurance.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| State Farm | $52 | $54 | $63 |
| USAA | $65 | $68 | $79 |
| Allstate | $72 | $74 | $86 |
| Mercury | $78 | $84 | $90 |
| National General | $85 | $90 | $105 |
| Root | $101 | $100 | $116 |
| The General | $104 | $108 | $120 |
| Safeco | $104 | $111 | $129 |
| Farmers | $109 | $114 | $132 |
| GEICO | $120 | $118 | $139 |
| CSAA | $126 | $142 | $154 |
| Direct Auto | $126 | $137 | $154 |
| Bristol West | $127 | $133 | $156 |
| GAINSCO | $130 | $140 | $166 |
| Shelter | $160 | $161 | $185 |
| Liberty Mutual | $221 | $233 | $268 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Oklahoma
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Your ZIP code can affect how much you pay for car insurance. Check out average liability and full-coverage quotes for different Oklahoma cities in the table below.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageBartlesville $68 $154 Enid $73 $145 Stillwater $75 $171 Ardmore $76 $151 Ponca City $77 $146 Muskogee $78 $156 Lawton $80 $156 Norman $95 $173 Tulsa $99 $184 Oklahoma City $105 $191 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Oklahoma car insurance FAQs
Before you start shopping for auto coverage, you should determine how much insurance you need. The following information can help you navigate the process of finding cheap coverage in Oklahoma.
The overall cost of car insurance in Oklahoma is $124 per month. Drivers in the state pay $83 for liability insurance and $164 for full-coverage insurance, on average. Ultimately, your premium will depend on your driving record, age, ZIP code, and more.
State Farm has the cheapest liability car insurance in Oklahoma, with a monthly cost of $41. The second-cheapest insurer in the state, USAA, has a rate of $51 per month. With a cost of $56, Mercury is another cheap car insurance option. The best way to find cheap coverage is to compare quotes from multiple insurers at once.
With a high Insurify Quality (IQ) Score of 9.3 out of 10, an AM Best financial strength rating of A++ (Superior), and customizable coverage options, State Farm is the best car insurance company in Oklahoma. Drivers pay $41 per month for liability insurance and $75 for full-coverage insurance from State Farm in Oklahoma, on average. Other top insurers include Allstate and USAA.
Oklahoma drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
No. Oklahoma is an at-fault state. This means that the driver who causes an accident must cover the other driver’s resulting medical expenses and vehicle repairs.
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