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Best car insurance in Oklahoma in 2023

Updated Sep 13, 2023
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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, $1,988 per year, with minimum coverage averaging $406.

However, buying the best car insurance is typically about more than finding the cheapest rates. According to our proprietary Bankrate Scoring method, results from the J.D. Power 2022 U.S. Auto Insurance Study and other important factors, our findings show that the best Oklahoma auto insurance might be found by getting quotes from Geico, USAA, Progressive, State Farm and Farmers.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Central region)
847
/1,000
Average monthly full coverage premium
$84
Average annual full coverage premium
$1,003
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly full coverage premium
$114
Average annual full coverage premium
$1,372
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
820
/1,000
Average monthly full coverage premium
$159
Average annual full coverage premium
$1,905
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
843
/1,000
Average monthly full coverage premium
$132
Average annual full coverage premium
$1,580
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
828
/1,000
Average monthly full coverage premium
$113
Average annual full coverage premium
$1,350
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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.

USAA not officially ranked by J.D. Power due to eligibility restrictions

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Central region)
847
/1,000
Average monthly minimum coverage premium
$20
Average annual minimum coverage premium
$240
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$271
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
820
/1,000
Average monthly minimum coverage premium
$38
Average annual minimum coverage premium
$450
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
843
/1,000
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$271
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
828
/1,000
Average monthly minimum coverage premium
$28
Average annual minimum coverage premium
$337
Powered by Coverage.com (NPN: 19966249)
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.

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.

USAA not officially ranked by J.D. Power due to eligibility restrictions

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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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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Insurance Disclosure

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 for cheap rates

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 847/1,000 AM Best: A++

Average annual premium

$ 1,003 for full coverage
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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

Best for military-focused discounts

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 879/1,000 AM Best: A++

Average annual premium

$ 1,372 for full coverage
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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 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

Best for a quick and easy shopping experience

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 820/1,000 AM Best: A+

Average annual premium

$ 1,905 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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

Best for online policy management

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 843/1,000 AM Best: A++

Average annual premium

$ 1,580 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

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

Best for a robust suite of coverage options

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 828/1,000 AM Best: A

Average annual premium

$ 1,350 for full coverage
Get a quote

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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

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.

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 $1,998 per year, which comes in $16 lower than the national average of $2,014. Although full coverage in Oklahoma is close to the national average, the state’s average minimum coverage rate is much lower. Nationally, the average annual premium for a minimum coverage policy is $622. In Oklahoma, this average is only $406. These rates are 2023 quoted annual premiums from Quadrant Information Services. Actual rates will vary based on individual providers and drivers.

Compared to nearby states, average Oklahoma car insurance rates are somewhere in the middle. For instance, average rates in Texas ($2,019 per year for full coverage and $565 for minimum) are a little higher than in Oklahoma. These higher rates could be because Texas has more urban areas than Oklahoma, leading to increased accident frequency or theft and vandalism. Texas also tops the list of states for tornado activity and is prone to a variety of severe weather events that can cause traffic accidents.

However, compared to Kansas (with average annual rates of $1,878 for full coverage and $416 for minimum), Oklahoma is slightly more expensive. Kansas and Oklahoma have a similar risk of tornadoes, but Oklahoma has a higher population density, which could lead to more claims.

Average annual premium for full coverage in Oklahoma Average annual premium for minimum coverage in Oklahoma
$1,998 $406

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.

Consider minimum insurance requirements in Oklahoma

Every state except Virginia and New Hampshire requires drivers to have at least minimum liability insurance. Most insurance experts recommend carrying more than the minimum requirement for a greater level of financial protection. However, you may want to reference these requirements on the Oklahoma Insurance Department website or research Oklahoma’s insurance laws so you’re aware of how Oklahoma’s requirements compare to other states.

Consider lender requirements

Lenders and lienholders often require full coverage insurance for financed or leased vehicles. If the car is involved in an accident, they want to be sure funds are available to repair or replace it. Gap insurance, a coverage type that pays the difference between what the car is worth and what you owe on it, may be required. However, even without a requirement, drivers may want to consider the coverage to avoid having to make up the difference out of pocket.

Consider your individual needs

The best way to evaluate your needs is to look at your current circumstances and your driving record and research the top car insurance companies. For example, if you were involved in several accidents in the past (even if they were no-fault accidents), you may consider looking for a car insurance company that offers accident forgiveness. If you’re adding a teen driver to your car insurance policy, you may want to search for a car insurance company with competitive student discounts.

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Written by
Carol Pope
Former Writer, Insurance

Carol Pope is a former insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

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