Key Takeaways

• Aspen, Assurance America and Progressive offer some of the cheapest car insurance in Oklahoma.
• The average cost of minimum coverage in Oklahoma is around $100 per month.
• Compare quotes from multiple insurers to find cheap car insurance in Oklahoma.

You may find cheap car insurance in Oklahoma from insurers like Aspen, Assurance America and Progressive. These companies are among the most affordable options in the state, according to real quotes for Jerry customers.

Here are more cheap insurers for both minimum and full coverage, plus by age, driving history and credit score.

Cheap liability car insurance in Oklahoma

In Oklahoma, a minimum liability insurance policy keeps you legally insured on the road. It helps pay for harm you may cause to other people or their property, but won’t assist in repairing your own vehicle. It’s often chosen by those with older vehicles or limited budgets.

Here are the most affordable car insurance companies in Oklahoma for minimum coverage policies, according to real quotes for Jerry customers. Getting a range of quotes can help Oklahoma drivers find coverage that meets their needs without going over budget.

Car insurance requirements in Oklahoma

Oklahoma’s car insurance requirements are:

• $25,000 in bodily injury liability per person.
• $50,000 in bodily injury liability per accident.
• $25,000 in property damage liability per accident.
• Drivers must also be offered $25,000 per person and $50,000 per accident for uninsured motorist coverage, but you can reject these coverages.

Cheap full coverage car insurance in Oklahoma

Looking for affordable full coverage auto insurance in Oklahoma involves selecting a plan that doesn’t sacrifice important protections. Full coverage usually includes liability, collision and comprehensive insurance which can safeguard against things like weather damage, theft, road accidents and animal collisions. If your vehicle is expensive or hard to replace, full coverage is usually advisable.

These are the cheapest car insurance companies in Oklahoma for full coverage, according to Jerry’s data.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

• 35-45 years old.
• Clean driving record.
• $50,000 in bodily injury liability, per person.
• $100,000 in bodily injury liability, per accident.
• $1,000 deductible for comprehensive and collision insurance.

Average car insurance costs for young drivers in Oklahoma

In Oklahoma, insurance companies see young drivers as high-risk largely because of their inexperience and accident rates. Even without any claims, this group pays more due to general risk assessment models but rates begin to improve after a few years of safe driving history. Oklahoma teens can reduce costs with driver’s ed courses and safe-driving incentives from insurers.

Below are the average costs of car insurance in Oklahoma for drivers between 18 and 24.

Cheap liability car insurance in Oklahoma for a 20-year-old

A 20-year-old in Oklahoma may pick liability-only coverage to avoid the steep costs of full insurance. This is ideal when their car is worth less than the added premiums of extra protection but ensures compliance with state laws.

These are the cheapest car insurance companies in Oklahoma for 20-year-olds with minimum coverage, according to Jerry’s data.

Cheap full coverage in Oklahoma for a 20-year-old

A 20-year-old in Oklahoma may consider full coverage to guard against storm damage, theft or accidents. When driving is essential to daily life, protecting their vehicle becomes more important and full coverage reduces the risk of financial disruption from unexpected incidents.

These are the cheapest car insurance companies in Oklahoma for 20-year-olds with full coverage, according to Jerry’s data.

Average auto insurance costs for mature drivers in Oklahoma (25-54)

In Oklahoma, insurance companies often offer better rates to experienced drivers due to their low claim frequency. Years of safely navigating city streets and rural highways demonstrate dependable habits and these patterns allow providers to lower premiums without increasing risk.

Below are the average costs of car insurance for drivers in Oklahoma between the ages of 25 to 54.

Cheapest liability car insurance in Oklahoma for a 35-year-old

In Oklahoma, a 35-year-old may prefer liability-only coverage if they’re confident in their driving skills and own an older car. They might not see the value in paying extra for coverage they’re unlikely to use. This decision keeps things simple while remaining compliant and can be a good match for drivers with a long history of safe habits.

These are the cheapest car insurance companies in Oklahoma for 35-year-olds with minimum coverage, according to Jerry’s data.

Cheapest full coverage in Oklahoma for a 35-year-old

A 35-year-old may opt for full coverage to stay protected from weather damage and driving hazards. This kind of insurance offers a cushion during times of sudden loss or accidents. Drivers often appreciate the financial backup it provides after severe storms and it is a reliable option for those managing day-to-day travel risks.

Here are the most affordable insurers in Oklahoma for 35-year-olds with full coverage policies, according to real car insurance quotes for Jerry customers.

Average car insurance costs for older drivers in Oklahoma (55+)

Oklahoma drivers aged 55 and up may face higher auto insurance costs as insurers take into account slower reflexes and longer recovery times. Even the most careful drivers aren’t immune to changes in physical ability and insurance pricing adjusts to reflect those evolving realities.

Below are the average costs of car insurance for drivers in Oklahoma 55 and older.

Cheapest liability car insurance in Oklahoma for a 65-year-old

In Oklahoma, seniors might opt for liability-only car insurance if their driving is mostly limited to local roads. A lower-value vehicle that’s no longer under a loan may not benefit from full coverage. This choice delivers essential protection without unnecessary extras and it’s a fitting solution for drivers who prioritize simplicity and affordability.

Here are the most affordable insurers in Oklahoma for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Cheapest full coverage in Oklahoma for a 65-year-old

In Oklahoma, older drivers often select full coverage to defend against accidents and weather-related damage. Maintaining financial stability by preventing costly repairs can be a top priority. Seniors frequently depend on their cars for essential travel and social activities, making thorough insurance coverage important to some.

These are the cheapest car insurance companies in Oklahoma for 65-year-olds with full coverage, according to Jerry’s data.

Cheapest car insurance in Oklahoma by driving history

Insurance companies in Oklahoma rely on your driving history to make informed policy decisions. A record that shows frequent incidents may suggest carelessness or lack of caution. This affects not only your premiums but also your policy structure.

Cheap car insurance for drivers with clean records in Oklahoma

A clean driving record in Oklahoma can lead to better and more affordable insurance approval. It demonstrates that you are a reliable and low-risk driver and insurers often reward this with broader plan options.

Here are the most affordable insurers in Oklahoma for those with clean driving records, according to real quotes for Jerry customers.

Cheapest car insurance with a speeding ticket in Oklahoma

Speeding tickets in Oklahoma can affect how insurers view your likelihood of filing a claim. Even one violation indicates a moment of poor judgment and this may result in premium changes or coverage adjustments.

These are the cheapest car insurance companies in Oklahoma for drivers with a speeding ticket, according to Jerry’s data. Keep in mind that other citations may affect your rates as well.

Cheapest car insurance after an at-fault accident with no injury in Oklahoma

At-fault property damage incidents in Oklahoma, even with no injuries, carry weight in insurance reviews. They show lapses in control that can have financial consequences and insurers may respond by raising rates or tightening terms. These events remain on your record for some time and can alter the rates that are available.

Below are the cheapest auto insurers in Oklahoma for people with an at-fault accident with no injury on their driving record.

Cheapest auto insurance after an at-fault accident with injury in Oklahoma

Causing an injury in a traffic accident can significantly change your insurance profile. These incidents suggest higher long-term costs for insurers and you may face stricter policy terms as a result. They are treated as serious events with ongoing consequences when it comes to your insurance.

These are the cheapest car insurance companies in Oklahoma for drivers with an at-fault accident with injury, according to Jerry’s data.

Cheapest car insurance with a DUI in Oklahoma

A DUI in Oklahoma is viewed as a serious infraction with lasting effects as it signals a disregard for road safety, prompting insurers to adjust coverage. You are likely to see higher rates and fewer options.

Here are the most affordable insurers in Oklahoma for those with a DUI, according to real quotes for Jerry customers.

Average auto insurance costs for Oklahoma drivers with other violations

Violations like carless driving or failing to yield may gradually increase your insurance costs. Insurers look for signs of unreliable driving and each recorded offense shapes your long-term profile.

Below are average car insurance costs in Oklahoma for other driving violations.

Cheapest auto insurance for low credit scores in Oklahoma

In Oklahoma, a low credit score may impact how insurers assess your reliability as a customer. It’s often viewed as part of your risk profile and this can affect both cost and coverage structure. The better your credit, the more favorable your terms may be.

These are the cheapest car insurance companies in Oklahoma for drivers with a credit score below 550.

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Learn more: How a credit-based insurance score works

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How to find cheap car insurance in Oklahoma

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

• Ask your insurer about discounts you qualify for.
• Install a telematics app on your phone. 
• Improve your credit score.
• Pay your policy in full.
• Bundle your home and car insurance policies with the same company. 

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Learn more: Best car insurance companies

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Factors that affect car insurance costs in Oklahoma

How much you pay for coverage depends on a variety of factors, including your:

• ZIP code.
• Driving history.
• Vehicle’s year, make, and model.
• Claims history.
• Car usage and miles driven.
• Deductible amount.

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Learn more: How car insurance rates are calculated

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Cheapest car insurance data methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

On this page

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes