Best car insurance in Oklahoma in 2023

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 win the Best Budget Auto Insurance Company Bankrate Award in 2023. 

Who Geico may be good for: Oklahomans who prefer to do business over the phone or online and prioritize inexpensive yet basic coverage might want to consider contacting Geico for a quote.  

Read full Geico Insurance review

Why USAA made our list: There are six military bases in Oklahoma, which means that USAA could be a good choice for a significant subsect 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. 

Who USAA may be good for: Eligible drivers might want to check out USAA if they’re interested in doing business with a company in tune with the unique needs of military personnel.  

Read full USAA Insurance review

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. 

Who Progressive may be good for: Oklahomans new to car insurance might find Progressive’s quoting process easy, helpful and quick, as long as they don’t mind paying a little extra for the convenience. 

Read full Progressive Insurance review

Why State Farm made our list: State Farm (the largest auto insurance company by market share) may be known for its expansive network of neighborhood agencies, but it also earned second place in the service category in the J.D. Power 2022 U.S. Insurance Digital Experience Study. This score likely indicates that State Farm policyholders are 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 company’s 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. 

Who State Farm may be good for: This carrier could be an excellent choice for drivers of all types, but especially so for those who like to take a hands-on approach to policy management by using a mobile app. 

Read full State Farm Insurance review

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. 

Who Farmers may be good for: Oklahoma drivers looking for robust coverage options and enjoy working face-to-face with their agent rather than digitally via mobile app might want to consider contacting Farmers.  

Read full Farmers Insurance review