Best Cheap Auto Insurance in Oklahoma City, Oklahoma (2025)

Nearly 700,000 people live in Oklahoma City, which is accessible via Interstates 35, 40, and 44. Oklahoma ranks eighth in traffic-related deaths, according to the Insurance Institute for Highway Safety (IIHS).1 Auto insurers may account for this risk by increasing rates in the state.

Oklahoma City residents may face higher rates than drivers elsewhere in Oklahoma because of a greater population density and traffic congestion. The Oklahoma City population per square mile is about 1,124 people.2 The average cost of car insurance in Oklahoma City is $106 per month for liability and $202 for full-coverage insurance, Insurify data shows.

State Farm offers the cheapest Oklahoma City car insurance, followed closely by Mercury and USAA. Here’s what you should know about finding a cheap auto insurance policy in Oklahoma City.

Best car insurance companies in Oklahoma City

You have several cheap car insurance options to choose from in Oklahoma City, the state’s largest city and its capital. Your coverage options and premium depend on factors like your driving history, vehicle type, and ZIP code. The best insurer for someone else may not work well for you, so you should consider all your options carefully.

“Auto insurance is the most competitive insurance product in the marketplace, and quotes can vary by hundreds of dollars between carriers,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. Comparing quotes from multiple insurers can help you find the cheapest coverage.

Here are three of the best auto insurers in Oklahoma City.

Best insurer for cheap rates: State Farm

Best insurer for drivers with an at-fault accident: Safeco

Best insurer for college students: Allstate

How to get the cheapest car insurance in Oklahoma City

Before you track down the cheapest Oklahoma City car insurance, you need to know what influences insurance costs. Insurers consider factors like your driving record, age, type of vehicle, policy type, coverage level, and credit history.

To find the most affordable car insurance in Oklahoma City, use the following tips:

• Consider raising your deductible. Setting a higher deductible for your comprehensive and collision coverages can lower your premium, but make sure you choose an amount you can afford to pay out of pocket if you need to file a claim. Liability does not have a deductible.

• Take advantage of available discounts. Many insurance companies offer discounts for things like bundling your policies, having a good driving record, or finishing an approved defensive driving course.

• Maintain a good credit score. Insurance companies use insurance-based credit scores to set rates, so maintaining good credit is important.

• Drive safely. A clean driving record without at-fault accidents or other moving violations can help you qualify for lower insurance rates.

• Compare insurance quotes. Each company may offer different rates and discounts, so check rates from at least three insurers to find the best deal.

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

Purchasing liability-only car insurance allows you to meet the state’s minimum-coverage requirements. Liability coverage pays for damages you might cause to others in an accident, such as medical expenses, lost wages, and repairing or replacing the other person’s property. It doesn’t cover you, your passengers, or your car.5

On average, Oklahoma City drivers pay $106 per month for liability insurance. But, State Farm offers the cheapest liability rates for $63 per month.

Here are the average rates from different insurance companies for minimum coverage in Oklahoma City.

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

“Full coverage provides drivers with a much greater level of financial protection than liability-only coverage,” says Friedlander. “It includes collision, which covers damage from striking another vehicle or object such as a tree or light pole, and comprehensive, which covers all non-collision incidents including theft, vandalism, fire, and weather hazards.”

Of course, the higher level of protection comes with higher premiums. Still, you may want to consider a full-coverage policy if you have a new or high-value vehicle. If you finance or lease your vehicle, your auto lender may even require you to purchase collision and comprehensive coverage.

In Oklahoma City, State Farm has the cheapest full-coverage rates for $99 per month.

Here are the cheapest auto insurers for full-coverage insurance in Oklahoma City.

Car insurance requirements in Oklahoma

Oklahoma law follows a fault system for car insurance. If you cause a car accident, you’re responsible for covering the damages. And Oklahoma drivers must carry a minimum amount of auto insurance, as shown in the table below. It’s important to note that the minimum requirements may not fully protect you if you’re in an accident.

The Oklahoma Insurance Department (OID) recommends that drivers in the state should increase coverage levels beyond the minimum requirements for better protection.6 You can find the specific minimum car insurance requirements in Oklahoma below:

For even more protection, ask your insurance company about these optional coverages:

Cheapest car insurance for drivers with an incident

An incident is an event or action that can affect your driving record, such as an at-fault accident, speeding ticket, DUI, or other moving violation. Insurance companies view incidents as indicators of higher risk, which often leads to you paying higher car insurance premiums.7

The amount of past incidents, severity of the offenses, and resulting claims can all influence just how much an offense increases your car insurance premium.

Cheapest car insurance for drivers with a speeding ticket: State Farm

One or more speeding tickets on your record can lead to higher rates. Insurance companies see speeding tickets as a sign of risky driving behavior, which increases your chances of having an accident. Shopping around can help you keep costs low, since the effect of a speeding ticket on your insurance costs varies by insurer.

Oklahoma City drivers with speeding tickets see average monthly rates of $131 for liability coverage, and $249 for full-coverage car insurance. Here are the cheapest monthly rates in Oklahoma City for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: State Farm

You can expect to pay a higher car insurance premium if you have an at-fault accident on your record. The severity of the accident and resulting damages can also affect your price increase. However, it’s important to note that the cheapest auto insurance rates for drivers with an at-fault accident can vary depending on your location, insurance company, and personal circumstances.

Overall, car insurance with an accident averages $192 per month for Oklahoma City drivers. But, State Farm offers the cheapest liability coverage for Oklahoma City drivers at $79.

Here are the cheapest monthly rates for Oklahoma City drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: State Farm

The consequences of driving under the influence or driving while impaired (DWI) are severe in Oklahoma. Convicted drivers typically face fines and fees of $10,000 or more, installation of an ignition locking device in their car for up to five ears, license revocation, and up to five years in jail.

If your driving record includes a DUI charge, you can face significantly higher auto insurance costs. Insurance companies view DUIs as an indicator of more risky behavior in the future. Because you pose a higher risk with a DUI, insurers will charge you more for coverage.

Some insurers may not want to provide you coverage due to your history, but you can look at insurance companies that specialize in coverage for high-risk drivers. If you can’t find an insurer to issue you a policy, the Oklahoma Automobile Insurance Plan is a state-bacled option that can connect you with a car insurance company.

The average cost of car insurance for Oklahoma City drivers with DUI convictions are $171 per month for liability-only coverage, and $325 for full coverage.

Cheapest car insurance for seniors: State Farm

Car insurance rates tend to decrease steadily over time for drivers between the ages of 35 and 70 as a result of drivers gaining more experience and establishing a solid driving record. Drivers older than 70 tend to pay more for car insurance than drivers in their 60s.

Senior drivers older than 70 may face age-related risk factors when driving, which auto insurers account for by increasing insurance rates slightly. For example, the fatal crash rate increases for drivers age 70 and older, according to the IIHS.8

OKC senior drivers pay a monthly average of $174 for full coverage and $106 for liability-only policies. Here are the cheapest auto insurers for senior drivers in Oklahoma City.

Cheapest car insurance for teens: State Farm

Teen car insurance rates cost much more than premiums for adults because young adults are high-risk drivers. Teenagers lack driving experience and have a greater likelihood of engaging in risky behavior behind the wheel, especially when multiple passengers are in the car.9

If you have a teenage driver in your family, here are some ways to help you lower their car insurance costs:

• Add them to your existing insurance policy (If they're under 18, they won't be able to buy a policy of their own without your written permission).

• Choose a safe car with high vehicle safety ratings for them to drive.

• Encourage them to maintain good grades for a good student discount.

• Ask about a student away at school discount for college students.

For teen drivers in Oklahoma City, the average cost of full coverage is $396 and $208 for liability coverage. But, OKC teens can find the cheapest coverage from State Farm for $124 per month.

The following companies offer the cheapest monthly car insurance rates for Oklahoma City teenagers:

Oklahoma City car insurance quotes by credit tier

Your credit history can affect more than your interest rate in Oklahoma City. Insurers in the city can use your credit-based insurance score as a factor when determining your premium.

Drivers with excellent and good credit history typically pay better rates than people with poor credit history. Here are the average full-coverage rates for car insurance in Oklahoma City by credit tier.

Is car insurance more expensive in Oklahoma City?

Oklahoma City drivers pay $154 per month for car insurance on average, which is more than the national average of $144 per month. However, your premiums can vary depending on which part of the city you live in. For instance, Stillwater or Enid drivers might have lower costs than someone in Beaverton or Muskogee.

Population density, traffic congestion, crime rates, and other local factors can all account for differences in the premium you receive in Oklahoma City. Severe weather conditions are another major factor that affects premiums in Oklahoma City and elsewhere in the state, due to how frequently Oklahoma faces threats of damage from tornadoes.

More cities in Oklahoma

Oklahoma City is the state’s largest city, but a few other cities have similar car insurance costs. For instance, Edmond drivers face similar average car insurance costs, while Broken Area drivers pay an average of 21% less than Oklahoma City.

On average, Oklahoma City drivers pay $202 per month for full-coverage car insurance. See how other cities in the state compare below.