Cheap Car Insurance in Oklahoma City (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 5, 2025
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Cheap Car Insurance in Oklahoma City (July 2025)

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The drive through Oklahoma City and the nearby rolling hills can be smooth and scenic, but with the potential for high winds and occasional tornadoes, a dependable insurance policy is essential.

It’s wise to compare car insurance from multiple companies to find the one that can get you the most affordable coverage, but it can be hard to know what to expect when you’re shopping for car insurance.

We’ve gathered data from real Jerry customers in Oklahoma City to help show you how local drivers’ quotes can vary by their age, credit scores and driving records.

More: Best car insurance in Oklahoma

Cheapest minimum coverage insurance in Oklahoma City

Oklahoma requires you to have a $25,000/$50,000/$25,000 policy:

  • $25,000 in bodily injury coverage per person.
  • $50,000 in bodily injury coverage per accident.
  • $25,000 in property damage per accident.

Here are the cheapest rates for minimum coverage in Oklahoma City, based on real quotes from Jerry customers.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$34 $404 Progressive 42 May 27, 2025 Oklahoma City, OK 73107
$35 $418 Progressive 25 February 2, 2025 Oklahoma City, OK 73159
$36 $426 Progressive 32 January 11, 2025 Oklahoma City, OK 73108
$37 $438 Mercury 33 May 26, 2025 Oklahoma City, OK 73130
$38 $454 Progressive 79 November 27, 2024 Oklahoma City, OK 73170
$42 $498 Progressive 43 April 20, 2025 Oklahoma City, OK 73112
$42 $506 Progressive 50 March 26, 2025 Oklahoma City, OK 73118
$43 $520 Progressive 56 March 5, 2025 Oklahoma City, OK 73127
$44 $526 Mercury 62 August 5, 2024 Oklahoma City, OK 73111
$44 $528 Progressive 60 October 23, 2024 Oklahoma City, OK 73132
Last Updated Jul 5, 2025

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.

More: Cheapest car insurance in Oklahoma

Cheapest full coverage insurance in Oklahoma City

Full coverage consists of collision and comprehensive coverage. Collision insurance pays for damages to your vehicle after an accident, regardless of who’s at fault, while comprehensive coverage pays for non-collision-related damages, including those caused by natural disasters.

The state’s insurance department has highlighted wind and hail damage as a threat to Oklahomans’ vehicles. Collision coverage would likely not protect your vehicle from damage caused by weather, but comprehensive coverage may protect you in the event of any body, windshield and interior damage.

COMPARE AFFORDABLE CAR INSURANCE POLICIES WITH JERRY

Here are the cheapest quotes for full coverage in Oklahoma City, based on real quotes from Jerry customers.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$34 $404 Progressive 42 May 27, 2025 Oklahoma City, OK 73107
$38 $454 Progressive 79 November 27, 2024 Oklahoma City, OK 73170
$42 $498 Progressive 43 April 20, 2025 Oklahoma City, OK 73112
$43 $516 Progressive 36 March 24, 2025 Oklahoma City, OK 73179
$43 $520 Progressive 56 March 5, 2025 Oklahoma City, OK 73127
$44 $528 Progressive 60 October 23, 2024 Oklahoma City, OK 73132
$47 $568 Progressive 30 April 17, 2025 Oklahoma City, OK 73114
$49 $592 Progressive 27 April 16, 2024 Oklahoma City, OK 73110
$53 $640 Progressive 78 November 1, 2024 Oklahoma City, OK 73117
$54 $652 Progressive 65 October 20, 2024 Oklahoma City, OK 73112
Last Updated Jul 5, 2025

More: Best car insurance companies

Cheapest car insurance for young drivers in Oklahoma City (18-29 years old)

Younger drivers in Oklahoma City may pay higher rates than older drivers, but they still may be able to get affordable insurance. It pays to compare quotes from multiple insurers to find the best rate. Here are the cheapest quotes young Jerry customers in Oklahoma City have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$35 $418 Progressive 25 No February 2, 2025 Oklahoma City, OK 73159
$48 $574 Progressive 29 No May 11, 2025 Oklahoma City, OK 73115
$49 $592 Progressive 27 Yes April 16, 2024 Oklahoma City, OK 73110
$56 $676 National General 26 No April 4, 2025 Oklahoma City, OK 73122
$59 $702 Progressive 26 No February 19, 2025 Oklahoma City, OK 73139
Last Updated Jul 5, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Oklahoma City (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$34 $404 Progressive 42 Yes May 27, 2025 Oklahoma City, OK 73107
$36 $426 Progressive 32 No January 11, 2025 Oklahoma City, OK 73108
$37 $438 Mercury 33 No May 26, 2025 Oklahoma City, OK 73130
$42 $498 Progressive 43 Yes April 20, 2025 Oklahoma City, OK 73112
$42 $506 Progressive 50 No March 26, 2025 Oklahoma City, OK 73118
Last Updated Jul 6, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$38 $454 Progressive 79 Yes November 27, 2024 Oklahoma City, OK 73170
$43 $520 Progressive 56 Yes March 5, 2025 Oklahoma City, OK 73127
$44 $526 Mercury 62 No August 5, 2024 Oklahoma City, OK 73111
$44 $528 Progressive 60 Yes October 23, 2024 Oklahoma City, OK 73132
$50 $600 Mercury 55 No February 5, 2025 Oklahoma City, OK 73134
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with clean records in Oklahoma City

Drivers in Oklahoma City with a no claims or traffic violations tend to get lower rates than those with less-than-perfect records. Here are the cheapest quotes that Oklahoma City Jerry customers with clean records have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$36 $426 Progressive 32 January 11, 2025 No Oklahoma City, OK 73108
$38 $454 Progressive 79 November 27, 2024 Yes Oklahoma City, OK 73170
$42 $498 Progressive 43 April 20, 2025 Yes Oklahoma City, OK 73112
$42 $506 Progressive 50 March 26, 2025 No Oklahoma City, OK 73118
$44 $526 Mercury 62 August 5, 2024 No Oklahoma City, OK 73111
$45 $536 Progressive 45 March 2, 2025 No Oklahoma City, OK 73159
$47 $568 Progressive 30 April 17, 2025 Yes Oklahoma City, OK 73114
$48 $574 Progressive 29 May 11, 2025 No Oklahoma City, OK 73115
$48 $578 Progressive 34 April 2, 2025 No Oklahoma City, OK 73112
$50 $600 Mercury 55 February 5, 2025 No Oklahoma City, OK 73134
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with low credit scores in Oklahoma City

A low credit score could lead to higher insurance costs. Here are some of the cheapest rates for drivers with low scores in Oklahoma City, based on data from real Jerry customers.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $37 $438 Mercury 33 May 26, 2025 Oklahoma City, OK 73130
<550 $42 $498 Progressive 43 April 20, 2025 Oklahoma City, OK 73112
<550 $56 $670 Progressive 61 January 18, 2025 Oklahoma City, OK 73109
<550 $59 $710 Progressive 35 April 25, 2025 Oklahoma City, OK 73142
<550 $63 $756 Progressive 54 April 4, 2025 Oklahoma City, OK 73112
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with at-fault accidents in Oklahoma City

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $34 $404 Progressive 42 Yes May 27, 2025 Oklahoma City, OK 73107
At Fault With No Injury $37 $438 Mercury 33 No May 26, 2025 Oklahoma City, OK 73130
At Fault With No Injury $44 $528 Progressive 60 Yes October 23, 2024 Oklahoma City, OK 73132
At Fault With No Injury $56 $676 National General 26 No April 4, 2025 Oklahoma City, OK 73122
At Fault With No Injury $59 $706 Progressive 43 No July 23, 2024 Oklahoma City, OK 73150
Last Updated Jul 5, 2025

More: What is an at-fault accident?

Cheapest car insurance for drivers with speeding tickets in Oklahoma City

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $35 $418 Progressive 25 February 2, 2025 Oklahoma City, OK 73159
Speeding under 15 $43 $516 Progressive 36 March 24, 2025 Oklahoma City, OK 73179
Speeding under 15 $63 $756 Progressive 23 June 10, 2025 Oklahoma City, OK 73134
Speeding under 15 $63 $758 Progressive 28 March 12, 2025 Oklahoma City, OK 73170
Speeding under 15 $67 $808 Assurance America 30 June 27, 2025 Oklahoma City, OK 73107
Last Updated Jul 2, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.