Cheapest car insurance quotes in Oklahoma

Convenient as it would be, there’s no car insurance provider that offers the cheapest rates for everyone in Oklahoma. While many will evaluate common factors—like your driving history, location, and demographics—each provider uses its own methodology to determine the cost of your premium.

What this means: Your best bet at finding cheap car insurance in Oklahoma is to compare multiple quotes from multiple providers. Jerry Insurance Agency allows you to do this quickly and easily—all in one place.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage
National General	$418	Viola, 26, Prague, OK	Mitsubishi Mirage G4 Black Edit	State Minimum	Yes
Gainsco	$148	Phoebe, 48, Norman, OK	Ford Edge Sel	State Minimum	No
Safeco	$82	Louis, 40, Ardmore, OK	Toyota Camry Le	State Minimum	No
The General	$118	Frederick, 33, Prague, OK	Jeep Compass Sport	State Minimum	Yes
Progressive	$140	Landon, 33, Tulsa, OK	Chevrolet Equinox Lt	State Minimum	Yes

Last Updated Jan, 2025

Cheapest car insurance companies in Oklahoma

To find out what car insurance companies offer the lowest rates in Oklahoma, Jerry conducted the nation’s largest insurance shopping survey.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Farmers	October 26, 2024	5	“Great quick service I had insurance for 8 years at my previous company and check rates every year no one could beat m…(read more)” -Isaac
The General	October 26, 2024	4	“I have had this insurance and it’s been pretty simple steps to get the insurance. I received my insurance in a couple…(read more)” -Nicholas
Allstate	October 25, 2024	5	“Allstate is a great company and I love the different discounts they give you to help you keep rates low..” -Tom
Bristol West	October 22, 2024	3	“First time client insured by this company a few days ago. Agreed to insure me when nobody else would. Thank you” -Hester
AAA	October 22, 2024	3	“I haven’t had a problem after I made my first payment but before hand their “final” price changed a day before my fir…(read more)” -Eula

The results: There’s no singular car insurance provider that offers the cheapest rates for every driver.

Progressive, Nationwide, and Travelers are all popular options among Oklahoma drivers, but the best car insurance company for you will depend on your budget as well as what you’re looking for in a policy and provider.

Using a car insurance comparison app or website makes finding cheap auto insurance a quick and easy process. As a licensed insurance agency, Jerry allows you to gather and compare car insurance quotes—and if you find the right policy at the right price, they’ll even help you make the transition to your new provider.

Minimum car insurance requirements for liability and full coverage in Oklahoma

Like most states, Oklahoma law requires drivers to have a minimum amount of car insurance in place before they can legally drive. Depending on your coverage needs, it’s possible you could also benefit from full coverage or additional coverage types.

Cheapest minimum liability coverage in Oklahoma

In Oklahoma, drivers must carry liability insurance that consists of at least:

• Bodily injury liability coverage: $25,000 per person, $50,000 per accident
• Property damage liability coverage: $25,000 per accident1

This minimum required coverage is often referred to as 25/50/25.

Do you need more than the minimum liability insurance coverage in Oklahoma?

Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.

The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.

The Oklahoma Insurance Department notes that for better financial protection, it’s generally recommended that drivers carry 100/300/100. That would equate to:

• Bodily injury liability: $100,000 per person, $300,000 per accident

Cheapest full coverage Oklahoma auto insurance quotes

If you want your car insurance policy to cover damages to your own vehicle, you’ll want to have full coverage.

Full coverage includes comprehensive and collision coverage. Collision coverage will pay for repairs or replacements after an accident, while comprehensive coverage covers a range of other types of events, such as theft, fire, vandalism, or severe weather.

If your car is financed: Your lender will likely require you to have full coverage until your loan is paid off. In fact, many lenders and dealers will need proof of coverage before completing a vehicle sale.

Here’s what Oklahoma drivers have found for full coverage insurance rates with Jerry.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car
State Minimum	Yes	National General	$418	Viola, 26, Prague, OK	Mitsubishi Mirage G4 Black Edit
State Minimum	No	Gainsco	$148	Phoebe, 48, Norman, OK	Ford Edge Sel
State Minimum	No	Safeco	$82	Louis, 40, Ardmore, OK	Toyota Camry Le
State Minimum	Yes	The General	$118	Frederick, 33, Prague, OK	Jeep Compass Sport
State Minimum	Yes	Progressive	$140	Landon, 33, Tulsa, OK	Chevrolet Equinox Lt

Last Updated Jan, 2025

Average rates for minimum liability coverage and full coverage car insurance in Oklahoma

The numbers from Jerry’s study show that the average cost for minimum liability coverage in Oklahoma is about $1,324 per year or $110 per month. The average cost for full coverage car insurance is about $2,304 per year or $194 per month.

Keep in mind: Average insurance costs can serve as a helpful starting point for estimating your own insurance costs, but your premium could look different from the ones shown here.

This is due to the myriad factors that insurers use to determine your rates, like:

• The type of car you drive
• Where your vehicle is kept
• Your driving record
• Your demographics

Oklahoma car insurance: Additional Coverages

In addition to liability, collision, and comprehensive insurance, there are plenty of additional car insurance coverage types you can consider adding to your policy in Oklahoma:

• Medical payments (MedPay)
• Uninsured motorist / underinsured motorist
• Towing and labor
• Rental reimbursement coverage

If you’re currently paying off a car loan: Consider gap insurance if you don’t already have it. If your vehicle ends up totaled and your loan balance is greater than your car’s value, gap insurance can help you cover the difference.

If you don’t own a car but routinely borrow someone else’s: Consider a non-owner car insurance policy. This will set you up with liability coverage, but it won’t protect the vehicle you’re driving—the owner’s car insurance policy would need to cover it.

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Learn more: Types of insurance

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Car insurance premium by rating factors

Oklahoma auto insurance companies evaluate various factors to determine your premium cost, including:

• The vehicle you drive: Collision and comprehensive coverage will usually cost more for newer and high-value vehicles.
• How you use your car: Car insurance will typically cost more for a daily commuter vehicle than one that’s only used occasionally.
• Your driving record and claims history: Expect to pay more for insurance if you’ve had accidents or violations.
• Where you keep your car: Insurers will consider your area’s population density, accident and crime rates, and severe weather trends when weighing risks.

How to find cheap Oklahoma car insurance if you’re a high-risk driver

Your driving history will play a significant role in determining what you pay for your auto insurance policy. Numerous or severe violations can often leave you with a more expensive auto insurance premium.

Cheapest car insurance for Oklahoma drivers with a speeding ticket

Speeding tickets will almost always impact your insurance rates—but the severity of the violation will determine by how much. For example, a speeding ticket for 3 mph over the speed limit likely wouldn’t have the same effect as one for 25 mph over the speed limit.

Here’s a look at what Jerry users have paid for insurance with varying speeding tickets on their records.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Speeding Violation-Minor	National General	$76	Mattie, 28, Afton, OK	State Minimum	No
Speeding Violation-Major	Progressive	$141	Clarence, 46, Oklahoma City, OK	State Minimum	No
Speeding Violation-Major	Bristol West	$189	Lois, 24, Oklahoma City, OK	State Minimum	Yes
Speeding 1-5	Safeco	$82	Roger, 40, Ardmore, OK	State Minimum	No
Speeding 16-20	Progressive	$216	Lura, 24, Oklahoma City, OK	State Minimum	No

Last Updated Jan 22, 2025

How to find cheap Oklahoma auto insurance after a DUI

A DUI conviction in Oklahoma comes with some of the steepest car insurance rate increases.

To compensate, you can gather quotes and compare rates to find the most affordable car insurance option after a DUI violation.

Oklahoma SR-22 insurance

If you’ve had a serious violation on your driving record, like reckless driving or a DUI, you might be subject to an SR-22 filing requirement.

An SR-22 certificate, which your car insurance files on your behalf, shows that you have the necessary amount of coverage required in Oklahoma.

Cheapest Oklahoma auto Insurance after an at-fault accident

Accidents—and especially at-fault accidents—can greatly affect your car insurance rate.

Insurers will look at your accident and claims history to determine your level of risk for the future.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
At Fault With No Injury	National General	$154	Bernice, 48, Duncan, OK	State Minimum	Yes
At Fault With No Injury	Gainsco	$75	Winifred, 34, Stillwater, OK	State Minimum	No
At Fault With No Injury	Mercury	$65	Curtis, 26, Vian, OK	State Minimum	No
Not At Fault	National General	$316	Lou, 29, Macomb, OK	State Minimum	Yes
At Fault With No Injury	Progressive	$621	Nina, 27, Sand Springs, OK	100/300	Yes

Last Updated Jan 22, 2025

Cheapest auto insurance after other violations in Oklahoma

From careless driving to failure to yield, there are all sorts of driving violations that will affect your car insurance rates in Oklahoma, with different offenses carrying different weights.

But with or without violations on your driving record, shopping around for quotes still increases the odds of finding the cheapest option for you.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Other Minor	Mercury	$103	Daisy, 29, Tulsa, OK	State Minimum	Yes
Operating Vehicle without Permission	Progressive	$140	Cynthia, 33, Tulsa, OK	State Minimum	Yes
Other Minor	Gainsco	$278	Harriet, 26, Sand Springs, OK	State Minimum	Yes
Other Minor	Progressive	$44	Alfred, 48, Woodward, OK	State Minimum	No
Unsafe Operation of a Motor Vehicle	Progressive	$36	Leah, 29, Dewey, OK	State Minimum	No

Last Updated Jan 22, 2025

• Is Oklahoma an at-fault state?

  Oklahoma is an at-fault state: This means that the party determined to be at fault in a collision will be financially responsible for any resulting injuries or property damage.

Cheapest Oklahoma auto insurance based on insurance history

Yet another factor that affects your car insurance premium is your insurance history.

Insurers ideally want to see policyholders that have held continuous coverage. Having a past lapse in your car insurance coverage could deem you a higher risk and leave you with a more expensive premium.

Once you have a policy in place, this means making on-time payments is of utmost importance. Luckily, Jerry can send you payment reminders to help you keep your coverage in good standing.

Lapse or no lapse in your insurance history, Jerry can still help you search for savings on your next car insurance policy.

Cheapest car insurance for drivers with poor credit

In the state of Oklahoma, drivers who have poor credit will often have higher auto insurance costs than those with good credit.

This is because drivers with poor credit are considered more likely to file claims.

Taking steps to improve your credit history can help you save on car insurance in the long run.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage
660-750	National General	$418	Lettie, 26, Prague, OK	Mitsubishi Mirage G4 Black Edit	State Minimum	Yes
550-659	Gainsco	$148	Dale, 48, Norman, OK	Ford Edge Sel	State Minimum	No
660-750	Safeco	$82	Georgie, 40, Ardmore, OK	Toyota Camry Le	State Minimum	No
660-750	The General	$118	Rachel, 33, Prague, OK	Jeep Compass Sport	State Minimum	Yes
<550	Progressive	$140	Virginia, 33, Tulsa, OK	Chevrolet Equinox Lt	State Minimum	Yes

Last Updated Jan, 2025

Cheapest Oklahoma car insurance by age

In Oklahoma, young drivers and those who have yet to earn a full license can expect to pay the highest car insurance rates since they’re still gaining experience behind the wheel.

Cheapest Oklahoma car insurance for young drivers

On average, teen drivers pay more for car insurance than any other age group.

Because they are statistically at a high risk of experiencing car accidents, which makes a full coverage policy worth considering for teen drivers—especially those driving newer or more valuable vehicles.

To save even more: Be sure to look into good student, safe driver, and safety course discounts offered by providers when shopping around.

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Learn more: The best cheap car insurance for teens

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Cheapest Oklahoma car insurance for senior drivers

Due to an increased accident risk, and the risk for more severe injuries if a collision occurs, drivers tend to see their car insurance rates rise by their mid-seventies.

How to find car insurance discounts in Oklahoma for your motor vehicle

The type of vehicle you drive will have a notable impact on your premium. Insurers will consider your vehicle’s value, risk for theft or damage, safety, and potential repair and replacement costs to determine your rate.

Popular vehicle models in Oklahoma include:

• Ford F-150
• Honda Accord
• Honda Civic
• Chevrolet Silverado 1500
• Ram 1500
• GMC Sierra
• Jeep Cherokee

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Ford F-150	National General	$154	Bernice, 48, Duncan, OK	State Minimum	Yes
Honda Civic Ex	Gainsco	$75	Winifred, 34, Stillwater, OK	State Minimum	No
Ford F-150	Progressive	$173	Curtis, 38, Salina, OK	50/100	Yes
Ram 1500 Classic Slt	Bristol West	$537	Elmer, 23, Roff, OK	State Minimum	Yes
Honda Civic	Progressive	$78	Luis, 21, Tecumseh, OK	State Minimum	No

Last Updated Jan 22, 2025

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Learn more: How to get car insurance before buying a car

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Is it cheaper to insure a new car or a used car?

While it depends on the models in question, new cars are often more expensive to insure than older ones.

In Oklahoma, the average cost for full coverage on a car older than 10 years old is $1,406, while insuring a car less than four years old costs an average of $1,932.

How to find cheap car insurance in Oklahoma in your city

Your vehicle’s primary location determines what sorts of risks it will be exposed to, and as a result, what you’ll pay for car insurance.

Insurance providers will consider your city’s population density, crime rates, accident rates, and local weather trends when calculating your premium.

Oklahoma City residents might see different rates than Tulsa residents. Even within the same city, you might see premiums vary from zip code to zip code.

Take a look at what Oklahoma drivers pay for car insurance across the state.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage
Healdton, OK	Caleb	Progressive	$322	Chevrolet Silverado C1500	State Minimum	No
Tecumseh, OK	Frederick	Progressive	$78	Honda Civic	State Minimum	No
Sand Springs, OK	Elmer	Gainsco	$278	Ford Fusion Se	State Minimum	Yes
Wagoner, OK	Jim	The General	$127	Toyota Corolla L	State Minimum	Yes

Last Updated Jan, 2025

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How to lower the cost of car insurance in Oklahoma

Car insurance may not be cheap, but there are plenty of ways to find savings.

Here are some recommendations from Jerry’s team of licensed insurance agents to reduce your Oklahoma car insurance costs:

Shop around and seek out multiple quotes.

1. Bundle your car insurance with another policy, like your home or renters insurance, to qualify for a discount.
2. Find out what other insurance discounts your car insurance provider offers. Good student discounts, safe driver discounts, responsible payer discounts, and low mileage discounts are all common ways to save.
3. Raise the deductible on your comprehensive and collision coverage (if you can afford the out-of-pocket cost).
4. Build your credit score.
5. Consider dropping collision and comprehensive coverage on older or low-value cars.
6. Take an approved defensive driving course.

Why is car insurance so expensive in Oklahoma?

Some factors that determine your car insurance costs aren’t in your control. Your Oklahoma car insurance may be more expensive due to:

• High population density cities
• Uninsured drivers
• Rising healthcare costs
• Rising repair costs
• Severe weather risks