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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average Oklahoma City driver pays $104 per month for state-minimum liability insurance coverage and $203 per month for a full-coverage policy, according to Compare.com data. Several insurers — including State Farm, USAA, and Allstate — have substantially cheaper average rates, but that’s not always the best gauge of what you’ll pay.
For example: You might pay more if you add options like medical payment coverage, but you could also pay less if you qualify for discounts for keeping your driving record clean or having a teen who gets good grades in school.
In the sections below, we’ll explain how and where you can find the lowest rates for car insurance in Oklahoma City, how much coverage you need, and a few of the best companies in OKC.
State Farm is the cheapest insurance company in the city, with an average rate of $34 per month.
Oklahoma requires drivers to have 25/50/25 car insurance minimums.
The Oklahoma Insurance Department (OID) recommends purchasing more than the state-minimum liability coverage if you can afford it.
Where you live plays a big role in determining your auto insurance costs. The table below shows the average rates for different policy types in Oklahoma City compared to the state and national averages, according to Compare.com data.
Location ▲▼ | Average Monthly Premium: Liability Insurance ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Oklahoma City | $104 | $203 | $153 |
| Oklahoma | $85 | $174 | $130 |
| National average | $107 | $197 | $152 |
On average, Oklahoma City drivers pay $104 per month for liability coverage and $203 for full coverage, according to our data.
Still, these are only averages, and your rate could be more or less depending on your unique driver profile. The best way to find the cheapest company for your unique profile is to compare quotes from multiple insurers.
With that in mind, let’s look at which companies are currently offering the lowest average premiums for Oklahoma City drivers.
Compare personalized quotes from Oklahoma’s top insurers.
Oklahoma City car insurance costs an average of $153 per month, according to Compare.com data. But you can save by comparing quotes and understanding available coverages.
The table below shows the five insurance companies offering the cheapest average monthly premiums for Oklahoma City drivers, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $34 |
| USAA | $43 |
| Allstate | $47 |
| GEICO | $68 |
| Mercury | $69 |
| Farmers | $72 |
| Root | $81 |
| National General | $89 |
| Progressive | $90 |
| CSAA | $92 |
| Safeco | $98 |
| Clearcover | $100 |
| Direct Auto | $102 |
| Shelter | $102 |
| The General | $112 |
| GAINSCO | $127 |
| Bristol West | $151 |
| Foremost | $162 |
| Liberty Mutual | $217 |
State Farm has the lowest average monthly premium, at $34, according to our data. But it’s important to check rates from other companies to find the one that’s most affordable for your unique profile.
Let’s dive deeper into three companies that offer the lowest rates in the city to see which is right for you.
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You need to meet the Oklahoma state insurance requirements, but you also need to find an insurance company that fulfills your own personal requirements. The best auto insurance company is the one that gets you the coverage you need for the lowest price.
We chose the three companies below based on a combination of average rates, available discounts, customer ratings and reviews, and coverage options in Oklahoma City.
Let’s look at which insurance companies are the best fit for several types of Oklahoma City drivers.
Average premium: $85 per month
Compare.com Rating: 4.90 out of 5
Discounts for teens and young drivers
Cheapest average rates in Oklahoma City
Financial strength rating of B (Fair)
Poor customer reviews
State Farm is a huge name in the insurance market and boasts the largest market share in the auto insurance industry, according to the National Association of Insurance Commissioners (NAIC). It also has some of the lowest rates in Oklahoma City for all age categories, according to our research.
These reasons, as well as a range of available age-related discounts, make State Farm a good choice for families of all ages.
Average premium: $74 per month
Compare.com Rating: 4.91 out of 5
Member discounts and perks
Military-focused coverages
Membership limited to military members and families
Limited available coverage options
USAA requires membership to enroll, and the bad news is that only military members and select family members qualify. The good news for enlisted people is that USAA understands your unique needs. For example, USAA may give you a discount of up to 60% when you leave your car in storage while on deployment. You can also get a discount if you garage your car on base.
Average premium: $101 per month
Compare.com Rating: 4.93 out of 5
Diverse coverage types available
Pay-per-mile policies available
Thousands of BBB complaints
Potential issues with Drivewise and Milewise mobile apps
These days, plenty of us work from home. And in this age of the gig economy, many others drive for rideshare companies. These two careers require different types of car insurance coverage, and Allstate delivers for both.
Its Ride for Hire program gives you the coverage you need while you’re picking up passengers as a rideshare driver. Or, if you work remotely, you save through Allstate’s Drivewise and Milewise programs, which base your rates on the number of miles you drive and other driving behaviors.
Compare personalized quotes from Oklahoma’s cheapest companies.
The cheapest car insurance policy you can buy is basic liability coverage that meets the Sooner State’s minimum requirements. Remember that liability coverage only pays for the damages and injuries you cause to another person or vehicle — you’ll pay an additional cost for optional coverages, such as uninsured motorists coverage or personal injury protection (PIP).
Here are some of the best car insurance rates for liability coverage in Oklahoma City, according to Compare.com data.
Many insurance experts — including the OID — recommend purchasing a policy with higher limits and additional coverages. With that in mind, let’s look at how much rates increase when you purchase a “full-coverage” policy.
Full-coverage car insurance is optional for Oklahoma City residents, but you should still consider it, especially if you own a high-value car or one you can’t afford to replace. While insurance companies don’t use the term “full coverage,” most people use it as a catchall for policies that include liability insurance, comprehensive coverage, and collision insurance.
Comprehensive coverage and collision coverage pay for damages to your car if you cause an accident. You might want a full-coverage policy if you rely on your car or want coverage if an event like a tornado or wildfire damages your car. Additionally, lenders and leasing companies require full-coverage insurance if you finance or lease your car.
The chart below lists the companies with the lowest average monthly premiums for full-coverage insurance in Oklahoma City, according to Compare.com data.
Keep in mind that several other factors beyond your coverage levels affect your monthly rates. Let’s take a closer look at one of the most important: your age.
Age is an uncontrollable rating factor for car insurance, but, thankfully, getting older has its perks. Premium rates are highest for young drivers, but middle-aged drivers receive substantial rate decreases around age 35, which drop again as you enter retirement years.
The table below shows how car insurance rates vary between age groups in Oklahoma City. It also highlights the cheapest insurer in the city for each age group.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $305 | State Farm | $65 |
| 40s | $142 | State Farm | $31 |
| Seniors | $115 | State Farm | $25 |
Teenage drivers are the most expensive age group to insure. Most insurance companies charge more for an auto insurance policy if you have a child younger than the age of 25 driving your vehicle. Alcohol is a factor in many teen crashes, but even sober teen drivers have a crash rate four times higher than adults older than the age of 20, according to the Insurance Institute for Highway Safety (IIHS).
Oklahoma City teens pay an average monthly rate of $305, according to our research. But you can find more affordable rates with State Farm. It offers teens the lowest average rates in Oklahoma City, at $65 per month.
Senior drivers receive some of the lowest rates available for car insurance, regardless of whether they’re retired or still working. Many older drivers spend less time on the road, and a recent IIHS study shows that crash rates for seniors are falling. All of these factors lead to lower rates.
Seniors in Oklahoma City pay $115 per month, on average, according to our data. State Farm offers drivers in their 60s the lowest average rates, at $25 per month.
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Safe drivers save money on car insurance, plain and simple. Insurance companies look at your driving record and set your rates partially based on how many driving infractions you have on your record. Infractions like driving over the speed limit, causing a car accident, and driving under the influence (DUI) almost always lead to a rate increase.
The chart below shows how rates change based on your driving record, as well as which companies offer the cheapest average rates to OKC drivers with various infractions, according to our data.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $153 | State Farm | $34 |
| Speeding ticket | $224 | State Farm | $45 |
| At-fault accident | $231 | State Farm | $47 |
| DUI | $261 | State Farm | $57 |
A speeding ticket or other traffic violation seems like a simple mistake, but it can cost you. The Oklahoma Highway Safety Office’s website reminds drivers that running late is no excuse to break the law. Fast driving increases the chances of a car accident, which is why a single speeding ticket raises the average car insurance rate by 27%, according to our data.
Oklahoma City drivers with a recent ticket pay around $224 per month on average, according to our data. State Farm offers the most affordable average monthly premiums for drivers with speeding tickets in Oklahoma City, at just $45.
When you cause a car accident, your insurance company pays for the damages — and it’ll raise your rates to reimburse itself the next time you renew your policy. Getting into a single at-fault accident increases the average rate by 34%, according to our data.
The average Oklahoma City driver pays $231 per month after an accident, according to our data. State Farm has the lowest average monthly rate for drivers who cause an accident in Oklahoma City, at $47.
If you drink and drive in Oklahoma, a judge will take your license away and require you to install an ignition interlock device on your vehicle. And your auto insurance premiums will jump along with the fees and fines that come with a DUI. Rates for DUI-convicted drivers go up by an average of 50%, according to our data.
We found that drivers with a DUI conviction pay around $261 per month for auto insurance in Oklahoma City. But State Farm charges the lowest average rates in the city for these drivers, at $57 per month.
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You need car insurance to drive in Oklahoma City, even if you don’t have a car. All Oklahoma residents with an active driver’s license must meet Oklahoma’s minimum requirements, which are 25/50/25:
$25,000 of bodily injury protection per person
$50,000 of bodily injury protection per accident
$25,000 of property damage protection
You must maintain these liability insurance limits in Oklahoma, but they might not cover the full cost of a car accident. That’s why the Oklahoma Insurance Department recommends you increase these amounts to 100/300/100.
Higher limits cost more, but the cheapest insurance policy isn’t always the best policy for your coverage needs. The good news is that you can often get higher limits for a similar cost to a state-minimum policy — if you know where to look. The best way to find affordable coverage is to compare quotes from as many companies as possible.
You can get cheap car insurance in Oklahoma City if you know where to look. For instance, all drivers, regardless of insurance company, are eligible for a three-year discount if they successfully complete an accident prevention course.
Consider these other ways to save from the Oklahoma Insurance Department:
Choose a higher deductible: Consider increasing your deductible amount (if you can afford the extra costs if you file a claim).
Maintain a clean driving record: Practice safe driving and avoid accidents and tickets to get the best rates.
Ask about discounts: Many insurers offer discounts for installing certain safety features in your car or going paperless.
Shop around: Compare quotes from several companies before signing up for a policy to know you’re getting the coverage you need for the best price.
Compare personalized quotes from the cheapest insurers in Oklahoma.
Check out the answers to these commonly asked questions to help you decide which car insurance policy in Oklahoma City is right for your needs.
State Farm has the cheapest car insurance in Oklahoma City, at an average of $34 per month, according to Compare.com data.
Car insurance in Oklahoma City costs $153 per month on average, according to Compare.com data. The average Oklahoma City driver pays $104 per month for liability insurance and $203 for full coverage. But your rate may be higher or lower, depending on your unique insurance profile.
It depends. One reason Oklahoma car insurance is so expensive is the state has a higher frequency of tornadoes and hail, which can damage vehicles and increase insurance claims.
The minimum-required car insurance in Oklahoma is $25,000 of bodily injury insurance per person and $50,000 per accident, as well as $25,000 of property damage insurance.
A police officer could arrest you, fine you more than $200, and the state could suspend your license if it catches you driving without insurance.
Sources:
NAIC, “2022 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide”, accessed November 21, 2024.
Oklahoma Highway Safety, “Speed”, accessed November 21, 2024.
Oklahoma Highway Safety, “Alcohol Impaired”, accessed November 21, 2024.
Oklahoma Insurance Department, “Auto Insurance: Common Myths”, accessed November 21, 2024.
Insurance Information Institute, “What determines the price of an auto insurance policy?”, accessed November 21, 2024.
Insurance Institute for Highway Safety, “Teenagers”, accessed November 21, 2024.
Insurance Institute for Highway Safety, “Older drivers”, accessed November 21, 2024.
Koco News 5, “Many Oklahomans experience 'sticker shock' after seeing latest homeowners, auto insurance policies”, accessed November 21, 2024.
The City of Oklahoma City, “Fines and Fees”, accessed November 21, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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