Skip to Main Content

Best cheap car insurance in Oklahoma City

Oklahoma City, Oklahoma, City View
Walter Bibikow/Getty Images
Oklahoma City, Oklahoma, City View
Walter Bibikow/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

ON THIS PAGE Jump to Open page navigation

In Oklahoma City, the average rate for minimum coverage car insurance is $543 per year and $2,084 per year for full coverage. While this is well above the national average, these rates can vary greatly between different carriers.

The cheapest car insurance company in Oklahoma City is Geico, according to Bankrate’s 2021 study of quoted annual premiums. With so many carriers to choose from, it can be difficult to know which car insurance company is the cheapest and the best. To get a well-rounded look at each company, we considered factors like average price, available discounts, customer service, claims handling and bundling options.

Best cheap car insurance companies in Oklahoma City

Geico, Progressive, State Farm and Shelter all provide the cheapest car insurance rates in Oklahoma City, according to rate data analyzed from Quadrant Information Services. A Bankrate score was assigned to each provider based on information such as customer satisfaction, financial strength ratings and coverage options. The scale of 5.0 provides a wider view of each provider instead of focusing on cheap rates alone.

You should consider regularly reviewing your insurance coverage to ensure you are getting the best rate and have the right coverage to meet your individual needs as a driver in Oklahoma City. Even if you are already insured with one carrier, it never hurts to get a quote from another company to compare. Based on the different savings options available along with how each company handles claims and interacts with their customers, here is a breakdown of our picks for the best car insurance companies in Oklahoma City.

Insurance company Bankrate Score J.D. Power customer satisfaction score
Central region
Average annual premium for full coverage Average annual premium for minimum coverage
Geico 4.7 845/1,000 $1,054 $327
Progressive 4.4 837/1,000 $1,584 $504
State Farm 4.7 847/1,000 $1,795 $457
Shelter 3.2 856/1,000 $2,974 $871


Geico is the cheapest car insurance company in Oklahoma City according to Bankrate analysis. It could also be a great choice if you prefer to handle all your transactions electronically. From getting a quote to insuring a new vehicle, you can go through the whole process online in minutes. However, there are also local agents if you prefer face-to-face service. Geico offers 24/7/365 service and a user-friendly mobile app where customers can pay, file claims and even access their ID cards. Geico also offers a variety of discounts to Oklahoma City drivers, including specific employer discounts, good driver discounts, military discounts, multi-vehicle discounts and more, although its coverage options may be more limited compared to other providers.

Learn more: Geico Insurance review


Progressive offers the second-cheapest average rates for full coverage on our list. Although it does not score as highly with J.D. Power as other providers on our list, there are dozens of local agents so you can easily sit down with someone to discuss your personalized insurance needs. You can also access policy information online or via the company’s mobile app. Progressive provides a host of potential discounts, including its Snapshot® telematics program. Progressive also makes shopping for coverage easy by providing competitor rates as well as the Name Your Price® Tool that lets you specify what amount you want to pay and then shows you what coverage is available in your price range.

Learn more: Progressive Insurance review

State Farm

State Farm is not only one of the cheapest car insurance companies in Oklahoma City on our list, it also has the highest score with J.D. Power compared to other providers we reviewed. State Farm offers a huge local network of over 19,000 agents, or you can obtain and manage your policy via the customer service hotline, mobile app or online. While it does not offer as many discounts compared to other insurance providers on the list, it does maintain a Superior A++ Rating with A.M. Best.

Learn more: State Farm Insurance review


Ranked highly with J.D. Power for customer satisfaction in the Central region, Shelter Insurance is only available in select states. Despite being on the higher end of the price scale, you can get a lot for your money with the company’s additional coverage options, including comprehensive roadside assistance, new car replacement, disability income coverage, gap insurance and loss of use coverage. Plus, there are a variety of potential discounts available for being a good driver, a good student and even for completing safety courses. You can choose from over 30 local agents who can help you select coverage, pay your premiums, and file claims, but at this time you can not file a claim via the mobile app.

Learn more: Shelter Insurance review

How to get and keep the cheapest car insurance in Oklahoma City

Not only do you want to find the cheapest car insurance companies for your budget, but you want to maintain your competitive rates too. Keep this in mind as you are managing your auto insurance policy:

  • Shop multiple insurance providers. When you compare multiple providers, you not only see which ones offer the cheapest rates for you, but you also get a better idea of which provider may be easier to work with. This includes the digital experience, such as through the app or website, for tasks such as paying premiums and filing claims.
  • Adjust coverage as your vehicle ages. While you probably want to consider purchasing more than the minimum required coverage for the most financial protection, this doesn’t mean you should pay for too much insurance either. As your vehicle ages, regularly review your coverage with your insurance agent to evaluate your coverage options and policy limits to ensure you are getting the best price for what you need.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor