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Best car insurance in Oklahoma for 2025
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Reviewed by
Edited by
Reviewed by
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, $2,749 per year, with minimum coverage averaging $565. On average, U.S. drivers pay $2,692 per year for full car insurance coverage and $808 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 2024 U.S. Auto Insurance Study, the best Oklahoma auto insurance might be found by getting quotes from Geico, USAA, Progressive, State Farm and Farmers.
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|---|---|---|---|---|---|---|---|
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4.3
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4.3
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$1,893
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$1,893
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$361
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$361
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||
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4.4
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4.4
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$2,476
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$2,476
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$508
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$508
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4.3
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4.3
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$2,790
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$2,790
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$503
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$503
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4.3
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4.3
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$1,797
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$1,797
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$360
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$360
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3.8
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3.8
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$3,414
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$3,414
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$930
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$930
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Geico
Best for low average rates
4.3
Avg. full coverage premium
$158/mo
Avg. full coverage premium
$1,893/yr
Customer satisfaction
622/1,000
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Why Geico made our list: Geico has a reputation for low rates and its Oklahoma averages are no exception to this, making it one of the cheapest companies on our list. 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. The company was also a winner in the 2025 Bankrate Awards, as Best Auto Insurance Company for High-Risk Drivers, so may be a good choice if you have a few marks on your driving record.
Who Geico may be good for: Oklahomans looking for the cheapest coverage possible may want to ask Geico for a quote. The company's low average rates and extensive discount list make it a good starting point for many looking for an affordable policy.
Read full Geico Insurance review
Progressive
Best for high-risk drivers
4.4
Avg. full coverage premium
$206/mo
Avg. full coverage premium
$2,476/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. Additionally, although Geico won our 2025 Bankrate Award for it, Progressive gets some high marks from us for high-risk drivers as well, mainly due to its three optional types of accident forgiveness, which can save you from an increase if you are involved in an accident that results in a claim to your policy. Although Progressive earns top marks from J.D. Power for its 2024 U.S. Insurance Digital Experience Study, it does not fare as well in its 2024 Auto Insurance Study or its 2024 U.S. Auto Claims Satisfaction Study, so if customer service is your top priority, there may be better alternatives.
Who Progressive may be good for: Drivers with a few dings on their driving records may find Progressive a good choice for its generous accident forgiveness options.
Read full Progressive Insurance review
State Farm
Best for digital tools
4.3
Avg. full coverage premium
$232/mo
Avg. full coverage premium
$2,790/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 2024 U.S. Insurance Digital Experience Study. 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 2025’s Bankrate Award for Best Auto Insurance for Safe Drivers due to its many programs and discounts aimed at those who keep safe on the road. If customer service is important to you, you may also be interested to know that State Farm came in above average in both J.D. Power studies for claims and customer satisfaction in 2024.
Who State Farm may be good for: Customers who want to manage their auto insurance policy on the go may want to give State Farm a try—especially if strong customer service and the option to talk to a local agent rank high on your list.
Read full State Farm Insurance review
USAA
Best for military-focused coverage
4.3
Avg. full coverage premium
$150/mo
Avg. full coverage premium
$1,797/yr
Customer satisfaction
759/1,000
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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. The company is also known for its customer service—just one reason we awarded it our top honor in the 2025 Bankrate Awards: Best Auto Insurance Company Overall (tied with Amica). J.D. Power agrees, and, although it can’t be officially ranked due to its eligibility restrictions, USAA cleaned up in terms of scoring in all three 2024 J.D. Power studies we looked at.
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
Farmers
Best for coverage add-ons
3.8
Avg. full coverage premium
$284/mo
Avg. full coverage premium
$3,414/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. 2024 J.D. Power scores indicate a mixed bag in customer satisfaction; Farmers was ranked above average for digital satisfaction and claims satisfaction, but slightly below average in terms of customer satisfaction in the Central region.
Who Farmers may be good for: Oklahoma drivers looking for robust coverage options and a face-to-face agent experience might want to consider contacting Farmers.
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 methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
How to find the best car insurance in Oklahoma
As an Oklahoma driver, you want a policy that abides by state insurance laws, but also one that includes the coverage you need to be protected from financial disaster following an accident. When looking for the best car insurance in Oklahoma, you'll want to consider the following factors to ensure that your coverage meets your needs at a price that is easy on your wallet.
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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.
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 $2,749 per year, which is comparable to the national average of $2,692. However, the state’s average minimum coverage rate is less than the national average. Nationally, a minimum coverage policy is $808 per year on average. In Oklahoma, this average is only $565. 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 a bit higher than surrounding states. Average rates in Texas are a little lower at $2,608 per year for full coverage and $739 for minimum. Similarly, Kansas’ average annual rates sit at $2,522 for full coverage and $582 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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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze May 2025 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 full coverage limits:
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
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
