Cheapest car insurance quotes in Oklahoma
Convenient as it would be, there’s no car insurance provider that offers the cheapest rates for everyone in Oklahoma. While many will evaluate common factors—like your driving history, location, and demographics—each provider uses its own methodology to determine the cost of your premium.
What this means: Your best bet at finding cheap car insurance in Oklahoma is to compare multiple quotes from multiple providers. Jerry Insurance Agency allows you to do this quickly and easily—all in one place.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Mercury | $162 | Rhoda, 28, Shawnee, OK | Chevrolet Malibu 1LT | State Minimum | Yes |
| Progressive | $91 | Beulah, 38, Oklahoma City, OK | Honda Accord SE | State Minimum | No |
| Progressive | $117 | Isabella, 31, Oklahoma City, OK | Mitsubishi Outlander Sport ES | State Minimum | Yes |
| Root | $158 | Bernice, 29, Tulsa, OK | Nissan Rogue Select S | State Minimum | No |
| Progressive | $109 | Sue, 30, Oklahoma City, OK | Nissan Sentra S | State Minimum | No |
Cheapest car insurance companies in Oklahoma
To find out what car insurance companies offer the lowest rates in Oklahoma, Jerry conducted the nation’s largest insurance shopping survey.
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Farmers | October 26, 2024 | 5 | “Great quick service I had insurance for 8 years at my previous company and check rates every year no one could beat m…(read more)” -Isaac |
| The General | October 26, 2024 | 4 | “I have had this insurance and it’s been pretty simple steps to get the insurance. I received my insurance in a couple…(read more)” -Nicholas |
| Allstate | October 25, 2024 | 5 | “Allstate is a great company and I love the different discounts they give you to help you keep rates low..” -Tom |
| Bristol West | October 22, 2024 | 3 | “First time client insured by this company a few days ago. Agreed to insure me when nobody else would. Thank you” -Hester |
| AAA | October 22, 2024 | 3 | “I haven’t had a problem after I made my first payment but before hand their “final” price changed a day before my fir…(read more)” -Eula |
How we gathered this data
Jerry conducted one of the largest car insurance surveys in the U.S., gathering insights from 45,000 policyholders across all 50 states over 24 months. These policyholders, insured by 87 different companies, shared their experiences to help us assess satisfaction in key areas: policy cost, customer service, buying and renewal processes, and claims handling. All scores reflect feedback from real customers.
The results: There’s no singular car insurance provider that offers the cheapest rates for every driver.
Progressive, Nationwide, and Travelers are all popular options among Oklahoma drivers, but the best car insurance company for you will depend on your budget as well as what you’re looking for in a policy and provider.
Using a car insurance comparison app or website makes finding cheap auto insurance a quick and easy process. As a licensed insurance agency, Jerry allows you to gather and compare car insurance quotes—and if you find the right policy at the right price, they’ll even help you make the transition to your new provider.
Minimum car insurance requirements for liability and full coverage in Oklahoma
Like most states, Oklahoma law requires drivers to have a minimum amount of car insurance in place before they can legally drive. Depending on your coverage needs, it’s possible you could also benefit from full coverage or additional coverage types.
Cheapest minimum liability coverage in Oklahoma
In Oklahoma, drivers must carry liability insurance that consists of at least:
- Bodily injury liability coverage: $25,000 per person, $50,000 per accident
- Property damage liability coverage: $25,000 per accident1
This minimum required coverage is often referred to as 25/50/25.
Do you need more than the minimum liability insurance coverage in Oklahoma?
Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.
The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.
The Oklahoma Insurance Department notes that for better financial protection, it’s generally recommended that drivers carry 100/300/100. That would equate to:
- Bodily injury liability: $100,000 per person, $300,000 per accident
Cheapest full coverage Oklahoma auto insurance quotes
If you want your car insurance policy to cover damages to your own vehicle, you’ll want to have full coverage.
Full coverage includes comprehensive and collision coverage. Collision coverage will pay for repairs or replacements after an accident, while comprehensive coverage covers a range of other types of events, such as theft, fire, vandalism, or severe weather.
If your car is financed: Your lender will likely require you to have full coverage until your loan is paid off. In fact, many lenders and dealers will need proof of coverage before completing a vehicle sale.
Here’s what Oklahoma drivers have found for full coverage insurance rates with Jerry.
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | Mercury | $162 | Rhoda, 28, Shawnee, OK | Chevrolet Malibu 1LT |
| State Minimum | No | Progressive | $91 | Beulah, 38, Oklahoma City, OK | Honda Accord SE |
| State Minimum | Yes | Progressive | $117 | Isabella, 31, Oklahoma City, OK | Mitsubishi Outlander Sport ES |
| State Minimum | No | Root | $158 | Bernice, 29, Tulsa, OK | Nissan Rogue Select S |
| State Minimum | No | Progressive | $109 | Sue, 30, Oklahoma City, OK | Nissan Sentra S |
Average rates for minimum liability coverage and full coverage car insurance in Oklahoma
The numbers from Jerry’s study show that the average cost for minimum liability coverage in Oklahoma is about $1,324 per year or $110 per month. The average cost for full coverage car insurance is about $2,304 per year or $194 per month.
Keep in mind: Average insurance costs can serve as a helpful starting point for estimating your own insurance costs, but your premium could look different from the ones shown here.
This is due to the myriad factors that insurers use to determine your rates, like:
- The type of car you drive
- Where your vehicle is kept
- Your driving record
- Your demographics
Oklahoma car insurance: Additional Coverages
In addition to liability, collision, and comprehensive insurance, there are plenty of additional car insurance coverage types you can consider adding to your policy in Oklahoma:
- Medical payments (MedPay)
- Uninsured motorist / underinsured motorist
- Towing and labor
- Rental reimbursement coverage
If you’re currently paying off a car loan: Consider gap insurance if you don’t already have it. If your vehicle ends up totaled and your loan balance is greater than your car’s value, gap insurance can help you cover the difference.
If you don’t own a car but routinely borrow someone else’s: Consider a non-owner car insurance policy. This will set you up with liability coverage, but it won’t protect the vehicle you’re driving—the owner’s car insurance policy would need to cover it.
Learn more: Types of insurance
Car insurance premium by rating factors
Oklahoma auto insurance companies evaluate various factors to determine your premium cost, including:
- The vehicle you drive: Collision and comprehensive coverage will usually cost more for newer and high-value vehicles.
- How you use your car: Car insurance will typically cost more for a daily commuter vehicle than one that’s only used occasionally.
- Your driving record and claims history: Expect to pay more for insurance if you’ve had accidents or violations.
- Where you keep your car: Insurers will consider your area’s population density, accident and crime rates, and severe weather trends when weighing risks.
How to find cheap Oklahoma car insurance if you’re a high-risk driver
Your driving history will play a significant role in determining what you pay for your auto insurance policy. Numerous or severe violations can often leave you with a more expensive auto insurance premium.
Cheapest car insurance for Oklahoma drivers with a speeding ticket
Speeding tickets will almost always impact your insurance rates—but the severity of the violation will determine by how much. For example, a speeding ticket for 3 mph over the speed limit likely wouldn’t have the same effect as one for 25 mph over the speed limit.
Here’s a look at what Jerry users have paid for insurance with varying speeding tickets on their records.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding Violation-Major | Root | $259 | Jeffery, 28, Oklahoma City, OK | State Minimum | No |
| Speeding 1-5 | Root | $191 | Joseph, 30, Moore, OK | State Minimum | No |
| Speeding 1-5 | Progressive | $188 | Jean, 37, Ardmore, OK | State Minimum | Yes |
| Speeding Violation-Minor | National General | $56 | Lilly, 39, Stillwater, OK | State Minimum | No |
| Speeding 1-5 | Mercury | $96 | Helen, 31, Norman, OK | State Minimum | No |
How to find cheap Oklahoma auto insurance after a DUI
A DUI conviction in Oklahoma comes with some of the steepest car insurance rate increases.
To compensate, you can gather quotes and compare rates to find the most affordable car insurance option after a DUI violation.
Oklahoma SR-22 insurance
If you’ve had a serious violation on your driving record, like reckless driving or a DUI, you might be subject to an SR-22 filing requirement.
An SR-22 certificate, which your car insurance files on your behalf, shows that you have the necessary amount of coverage required in Oklahoma.
Cheapest Oklahoma auto Insurance after an at-fault accident
Accidents—and especially at-fault accidents—can greatly affect your car insurance rate.
Insurers will look at your accident and claims history to determine your level of risk for the future.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Mercury | $271 | Curtis, 33, Fairview, OK | State Minimum | Yes |
| At Fault With No Injury | Progressive | $151 | Maud, 42, Bristow, OK | 50/100 | Yes |
| At Fault With No Injury | Mercury | $141 | Kenneth, 33, Oklahoma City, OK | State Minimum | Yes |
| At Fault With No Injury | Mercury | $177 | Tom, 62, Anadarko, OK | 50/100 | Yes |
| Not At Fault | Root | $349 | Bobby, 64, Norman, OK | 50/100 | Yes |
Cheapest auto insurance after other violations in Oklahoma
From careless driving to failure to yield, there are all sorts of driving violations that will affect your car insurance rates in Oklahoma, with different offenses carrying different weights.
But with or without violations on your driving record, shopping around for quotes still increases the odds of finding the cheapest option for you.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Minor | Progressive | $70 | Jeanette, 48, Oklahoma City, OK | State Minimum | No |
| Other Minor | National General | $70 | Kathryn, 37, Coweta, OK | State Minimum | No |
| Failure to Obey Signal | Progressive | $173 | Franklin, 49, Oklahoma City, OK | State Minimum | Yes |
| Other Minor | Progressive | $403 | Ian, 25, Oklahoma City, OK | 50/100 | Yes |
| Failure to Obey Signal | Mercury | $180 | Jean, 44, Norman, OK | State Minimum | Yes |
-
Is Oklahoma an at-fault state?
Cheapest Oklahoma auto insurance based on insurance history
Yet another factor that affects your car insurance premium is your insurance history.
Insurers ideally want to see policyholders that have held continuous coverage. Having a past lapse in your car insurance coverage could deem you a higher risk and leave you with a more expensive premium.
Once you have a policy in place, this means making on-time payments is of utmost importance. Luckily, Jerry can send you payment reminders to help you keep your coverage in good standing.
Lapse or no lapse in your insurance history, Jerry can still help you search for savings on your next car insurance policy.
Cheapest car insurance for drivers with poor credit
In the state of Oklahoma, drivers who have poor credit will often have higher auto insurance costs than those with good credit.
This is because drivers with poor credit are considered more likely to file claims.
Taking steps to improve your credit history can help you save on car insurance in the long run.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 750+ | Mercury | $177 | Christopher, 62, Anadarko, OK | Dodge RAM 1500 SLT | 50/100 | Yes |
| <550 | Progressive | $134 | Mina, 35, Durant, OK | Ford Expedition LTD | State Minimum | Yes |
| 550-659 | Root | $349 | James, 64, Norman, OK | Hyundai Santa FE Sport | 50/100 | Yes |
| 550-659 | The General | $44 | Brett, 59, Stroud, OK | GMC Yukon Denali | State Minimum | No |
| 550-659 | Mercury | $316 | Lawrence, 29, Tuttle, OK | Chevrolet Colorado LT | State Minimum | Yes |
Cheapest Oklahoma car insurance by age
In Oklahoma, young drivers and those who have yet to earn a full license can expect to pay the highest car insurance rates since they’re still gaining experience behind the wheel.
Cheapest Oklahoma car insurance for young drivers
On average, teen drivers pay more for car insurance than any other age group.
Because they are statistically at a high risk of experiencing car accidents, which makes a full coverage policy worth considering for teen drivers—especially those driving newer or more valuable vehicles.
To save even more: Be sure to look into good student, safe driver, and safety course discounts offered by providers when shopping around.
Learn more: The best cheap car insurance for teens
Cheapest Oklahoma car insurance for senior drivers
Due to an increased accident risk, and the risk for more severe injuries if a collision occurs, drivers tend to see their car insurance rates rise by their mid-seventies.
How to find car insurance discounts in Oklahoma for your motor vehicle
The type of vehicle you drive will have a notable impact on your premium. Insurers will consider your vehicle’s value, risk for theft or damage, safety, and potential repair and replacement costs to determine your rate.
Popular vehicle models in Oklahoma include:
- Ford F-150
- Honda Accord
- Honda Civic
- Chevrolet Silverado 1500
- Ram 1500
- GMC Sierra
- Jeep Cherokee
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Honda Civic Sport | Mercury | $52 | Stella, 37, Lawton, OK | State Minimum | No |
| Honda Civic EX | Safeco | $238 | Brett, 31, Tulsa, OK | State Minimum | Yes |
| Honda Civic Sport | Progressive | $92 | Harry, 67, Norman, OK | State Minimum | Yes |
| National General | $243 | Cora, 34, Oklahoma City, OK | State Minimum | Yes | |
| Honda Accord Touring | Progressive | $59 | Henrietta, 35, Oklahoma City, OK | State Minimum | No |
Learn more: How to get car insurance before buying a car
Is it cheaper to insure a new car or a used car?
While it depends on the models in question, new cars are often more expensive to insure than older ones.
In Oklahoma, the average cost for full coverage on a car older than 10 years old is $1,406, while insuring a car less than four years old costs an average of $1,932.
How to find cheap car insurance in Oklahoma in your city
Your vehicle’s primary location determines what sorts of risks it will be exposed to, and as a result, what you’ll pay for car insurance.
Insurance providers will consider your city’s population density, crime rates, accident rates, and local weather trends when calculating your premium.
Oklahoma City residents might see different rates than Tulsa residents. Even within the same city, you might see premiums vary from zip code to zip code.
Take a look at what Oklahoma drivers pay for car insurance across the state.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Crescent, OK | Mason | The General | $164 | State Minimum | Yes | |
| Oklahoma City, OK | Marcus | Progressive | $93 | Chevrolet Sonic LS | State Minimum | No |
| Tulsa, OK | Ruby | Progressive | $47 | NISSAN ROGUE SV | State Minimum | Yes |
| Norman, OK | Sophie | Mercury | $96 | KIA Sorento L | State Minimum | No |
How to lower the cost of car insurance in Oklahoma
Car insurance may not be cheap, but there are plenty of ways to find savings.
Here are some recommendations from Jerry’s team of licensed insurance agents to reduce your Oklahoma car insurance costs:
Shop around and seek out multiple quotes.
- Bundle your car insurance with another policy, like your home or renters insurance, to qualify for a discount.
- Find out what other insurance discounts your car insurance provider offers. Good student discounts, safe driver discounts, responsible payer discounts, and low mileage discounts are all common ways to save.
- Raise the deductible on your comprehensive and collision coverage (if you can afford the out-of-pocket cost).
- Build your credit score.
- Consider dropping collision and comprehensive coverage on older or low-value cars.
- Take an approved defensive driving course.
Why is car insurance so expensive in Oklahoma?
Some factors that determine your car insurance costs aren’t in your control. Your Oklahoma car insurance may be more expensive due to:
- High population density cities
- Uninsured drivers
- Rising healthcare costs
- Rising repair costs
- Severe weather risks
FAQ
-
How much is car insurance in Oklahoma?
-
Can you get car insurance without a license in Oklahoma?
-
Is car insurance mandatory in Oklahoma?
-
How does credit score affect car insurance premiums in Oklahoma?
-
What is the penalty for not having car insurance in Oklahoma?
-
How long can you drive without insurance after buying a car in Oklahoma?
-
How much is car insurance per month in Oklahoma?
-
What is the cheapest car insurance in Oklahoma?
-
What is the lowest liability coverage in Oklahoma?
-
What are the car insurance requirements in Oklahoma?
-
Do you need insurance to register a car in Oklahoma?
-
Do you have to carry proof of insurance in Oklahoma?
-
Does insurance follow the car or the driver in Oklahoma?
-
Does Oklahoma require uninsured motorist coverage?
-
Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
