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Best car insurance in Oklahoma for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Oklahoma
Bankrate took a close look at average premiums provided by data analytics company Quadrant Information Services to find the best car insurance companies in Oklahoma. Our research found that a full coverage policy in Oklahoma costs, on average, $2,713 per year, with minimum coverage averaging $537. On average, U.S. drivers pay $2,388 per year for full car insurance coverage and $664 per year for minimum coverage.
However, buying the best car insurance is typically about more than finding the cheapest rates. According to our proprietary Bankrate Scoring method, which includes results from the J.D. Power 2023 U.S. Auto Insurance Study, the best Oklahoma auto insurance might be found by getting quotes from Geico, USAA, Progressive, State Farm and Farmers.
|
|
|
|
---|---|---|---|
4.4
|
$1,900
|
$345
|
|
4.4
|
$2,556
|
$448
|
|
4.3
|
$2,523
|
$459
|
|
4.2
|
$1,791
|
$356
|
|
3.8
|
$3,459
|
$863
|
Geico
Best for cheap rates
4.4
4.4
Avg. full coverage premium
$158/mo
Avg. full coverage premium
$1,900/yr
Customer satisfaction
622/1,000
-
Why Geico made our list: Geico’s average full-coverage premium in Oklahoma is nearly 50 percent below the state average, making it one of the cheapest companies available. On top of this already low average premium, Geico also has an extensive list of potential discounts that might help further lower your rate. Although military members and government employees could earn the company’s Eagle discount, the company doesn’t have eligibility restrictions like military-focused USAA. Civilians might qualify for other savings opportunities, too, like the defensive driving or affiliation (which offers savings if you are a part of certain organizations) discounts or Drive Easy, Geico’s telematics program. These factors and more helped Geico tie for the Best Overall Auto Insurance Company 2024 Bankrate Award.
Read full Geico Insurance review
Progressive
4.4
4.4
Avg. full coverage premium
$213/mo
Avg. full coverage premium
$2,556/yr
Customer satisfaction
638/1,000
-
Why Progressive made our list: Although Progressive’s average rate in Oklahoma is only slightly below the state average, getting a quote from the company may be worth it for drivers looking for a streamlined car insurance shopping experience. Not only will Progressive’s Name Your Price tool curate a coverage package based on your desired budget, but the company will also present you rates from its competitors to help you compare. When it comes to coverage add-ons, Progressive offers not one but three types of accident forgiveness, helping this insurer stand out from the competition. For that reason, Progressive won Best Auto Insurance Company for High-Risk Drivers in our 2024 Bankrate Awards.
Read full Progressive Insurance review
State Farm
4.3
4.3
Avg. full coverage premium
$210/mo
Avg. full coverage premium
$2,523/yr
Customer satisfaction
647/1,000
-
Why State Farm made our list: State Farm may be known for its expansive network of neighborhood agencies, but it also scored highly in the service category in the J.D. Power 2023 U.S. Insurance Digital Experience Study. This score indicates that State Farm policyholders are typically happy with the company’s online policy portal and mobile app (which is also highly rated on the App Store and Google Play). Unlike some companies' mobile tools, State Farm’s app allows you to make policy changes as well as make payments and track claims. It’s also worth mentioning that State Farm won 2023’s Bankrate Award for Best Auto Insurance for High-Risk Drivers due to its tendency to offer lower-than-average rates for those with a single at-fault accident or speeding ticket on their records.
Read full State Farm Insurance review
USAA
4.2
4.2
Avg. full coverage premium
$149/mo
Avg. full coverage premium
$1,791/yr
Customer satisfaction
759/1,000
-
Why USAA made our list: There are six military bases in Oklahoma, which means that USAA could be a good choice for a significant subset of the state’s population. This is because USAA is only available to active-duty members of the U.S. military, veterans and their qualifying family members. Eligible Oklahomans might enjoy top-notch customer service and unique, military-focused savings such as the military on-base discount or a discount for storing your vehicle (perhaps during deployment or training). Considering that USAA already offers lower-than-average rates in Oklahoma, these discounts could really add up.
Read full USAA Insurance review
Farmers
3.8
3.8
Avg. full coverage premium
$288/mo
Avg. full coverage premium
$3,459/yr
Customer satisfaction
622/1,000
-
Why Farmers made our list: Drivers looking for auto insurance in Oklahoma with an extensive list of coverage add-ons may want to request a quote from Farmers. Along with some of the more standard coverage options like emergency road service and rental reimbursement, you could add coverage for loss of use, which could pay you a flat sum to use for public transportation when your car is repaired after a claim. Spare parts coverage is also available, which provides reimbursement for spare parts (up to $750) if yours are damaged or destroyed due to a claim. Typically, car insurance companies use after-market parts to repair your vehicle after a claim, but with Farmers’ original equipment manufacturer (OEM) coverage, the company will cover the additional cost of using factory-original parts instead.
Read full Farmers Insurance review
How Bankrate chose the best car insurance companies in Oklahoma
Each year, Bankrate finds the best auto insurance in Oklahoma by conducting a holistic review of the largest insurance companies by market share that operate in the state. Outside of studying average premiums provided by Quadrant Information Services, we also evaluate metrics like customer satisfaction, financial strength, discount availability and coverage options. Our editorial team then converts this data into a Bankrate Score, with 5 being the highest possible score. With this, we hope to give our readers an easy way to assess insurance companies as they shop for new quotes.
Why you can trust Bankrate
Read our full methodologyTo help Oklahoma drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Oklahoma
Maintaining car insurance will not only ensure you are abiding by Oklahoma insurance laws, but finding a quality policy may also provide valuable financial protection in the event of a covered claim. The best car insurance in Oklahoma will depend on individual rating factors, such as age, driving record, ZIP code and coverage preferences. However, the following steps may help you determine the best car insurance provider for you.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Oklahoma?
Average car insurance rates vary by state. The average cost of full coverage car insurance in Oklahoma is $2,713 per year, which is comparable to the national average of $2,388. However, the state’s average minimum coverage rate is less than the national average. Nationally, a minimum coverage policy is $664 per year on average. In Oklahoma, this average is only $537. These rates are sourced from Quadrant Information Services, but your rates will likely vary based on your personal rating factors.
Oklahoma's average car insurance rates are lower than surrounding states. Average rates in Texas are a little higher at $2,429 per year for full coverage and $696 for minimum. Similarly, Kansas’ average annual rates sit at $2,528 for full coverage and $590 for minimum coverage. Kansas and Oklahoma have similar tornado risk exposure and Oklahoma has a higher population density, which could lead to more claims.
Estimate your car insurance cost in Oklahoma
Researching average car insurance rates provides a baseline for evaluating your own premium, but your own rates may vary from these averages based on factors like your age, driving record, ZIP code, vehicle type and more. Comparing personalized estimates below may give you a more accurate understanding of what you could pay for coverage in Oklahoma.
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.