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Best car insurance in Oklahoma for 2024

Geico, USAA and Progressive lead the pack as Oklahoma’s best car insurance providers.

Updated Jan 30, 2024
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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, $2,560 per year, with minimum coverage averaging $510. On average, U.S. drivers pay $2,545 per year for full car insurance coverage and $741 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.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,767
$346
4.4
Rating: 4.4 stars out of 5
$2,446
$422
4.3
Rating: 4.3 stars out of 5
$2,238
$409
4.2
Rating: 4.2 stars out of 5
$1,833
$345
3.8
Rating: 3.8 stars out of 5
$3,013
$733

Geico

Best for cheap rates

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$147/mo

Avg. full coverage premium

$1,767/yr

Customer satisfaction

819/1,000

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$204/mo

Avg. full coverage premium

$2,446/yr

Customer satisfaction

803/1,000

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$186/mo

Avg. full coverage premium

$2,238/yr

Customer satisfaction

833/1,000

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$153/mo

Avg. full coverage premium

$1,833/yr

Customer satisfaction

890/1,000

Farmers

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$251/mo

Avg. full coverage premium

$3,013/yr

Customer satisfaction

819/1,000

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

20.7K

ZIP codes examined

1.2M

quotes analyzed

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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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.

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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 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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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 $2,560 per year, which is comparable to the national average of $2,545. However, the state’s average minimum coverage rate is less than the national average. Nationally, a minimum coverage policy is $741 per year on average. In Oklahoma, this average is only $510. 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 $2,627 per year for full coverage and $697 for minimum. Similarly, Kansas’ average annual rates sit at $2,630 for full coverage and $631 for minimum coverage.

Although rates in Oklahoma are slightly lower than Kansas, Kansas and Oklahoma have similar tornado risk exposure and Oklahoma has a higher population density, which could lead to more claims.

City Avg. annual full coverage premium Avg. savings vs. state average

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.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Ashlyn Brooks

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute