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With a population of just under four million spread over about 70,000 square miles, Oklahoma has a relatively low population density of 54.7 people per square mile. You might think that all of this wide open space for Oklahoma’s 2.5 million licensed drivers would help keep car insurance rates low. Surprisingly, Oklahoma has rates in our study that are considerably higher than a number of more densely populated states. 

While population density is definitely a factor, many other things can have an effect on car insurance, including state laws, crash rates, economic factors, frequency of severe weather, and the number of uninsured motorists. Some studies have found that as many as one in four Oklahoma drivers do not have car insurance, and that is a contributing factor to higher rates.

Still, our recent study found there are ways to save big by shopping around. We found representative rates with some companies to be much higher than others for our representative driver profiles, with some offering study rates that were twice as much as the cheapest companies. Depending on your age, driving record, credit score, and other factors, which company you choose could save you thousands of dollars.

Cheapest Car Insurance Companies in Oklahoma

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from nine largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

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To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here. 

How Much Does Car Insurance Cost in Oklahoma?

See the Cheapest Car Insurance Companies

Our study found an average annual car insurance cost of $1,295 in Oklahoma across all the insurers we analysed. USAA was cheapest overall, at $974. Geico proved next most affordable, at $1,139 on average, followed by State Farm, at $1,202. At the other end of the scale, Farmers had the most expensive study rate, at $1,573 – almost $600 more than the USAA average. Allstate was close behind, at $1,530, followed by Progressive at $1,350.

Oklahoma Car Insurance Rates by Age

Company

25-year-old female

25-year-old male

35-year-old female

35-year-old male

60-year-old female

60-year-old male

Allstate

$1,615

$1,694

$1,505

$1,512

$1,396

$1,459

Farmers

$1,719

$1,850

$1,523

$1,528

$1,361

$1,458

Geico

$1,075

$1,085

$1,092

$1,170

$1,145

$1,264

Progressive

$1,596

$1,633

$1,334

$1,251

$1,101

$1,186

State Farm

$1,223

$1,361

$1,222

$1,222

$1,092

$1,092

USAA

$1,108

$1,209

$901

$902

$856

$866

Age proved to be a big factor in Oklahoma car insurance study rates, with our younger driver profiles paying as much as $450 more annually than older ones, depending on the insurer. Our study found the cost for a 25-year-old male profile was $1,633 per year with Progressive, and $1,850 with Farmers. For our 60-year old male profile, the annual study cost was $1,186 with Progressive, and $1,458 with Farmers.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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Oklahoma Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,530

$1,715

$2,219

Farmers

$1,573

$1,874

$2,377

Geico

$1,139

$1,415

$1,692

Progressive

$1,350

$1,749

$2,391

State Farm

$1,202

$1,481

$2,285

USAA

$974

$1,112

$1,708

We found that credit score can have a bigger impact on car insurance rates than age. The driver profile with good credit would pay as little as $1,202 annually with State Farm according to our study, but that jumped to $2,285 with poor credit – difference of more than $1,000. With Progressive, we saw a similar increase. Study premiums went from $1,350 for profiles with good credit to $2,391 with poor credit. Even representative rates with USAA, often the bargain of the bunch, went from $974 to almost double that, or $1,708 for a profile with poor credit. Remember that USAA is only available to active U.S. military personnel, veterans, and their families. 

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Oklahoma Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,530

$1,675

$1,935

$1,941

Farmers

$1,573

$2,016

$2,214

$2,132

Geico

$1,139

$1,583

$1,891

$2,064

Progressive

$1,350

$1,940

$2,615

$1,655

State Farm

$1,202

$1,280

$1,358

$1,280

USAA

$974

$1,223

$1,380

$1,769

Maintaining a clean driving record proved to be a big help in keeping rates down with all the insurers in our study. One crash raised study rates offered by Progressive by more than $1,200 in our analysis, going from $1,350 annually to $2,615. With Geico, the difference was more than $750, going from $1,139 to $1,891. State Farm proved the most forgiving for our driver profiles with one crash on their record, going up only by about $155 per year – from $1,202 to $1,358. 

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Oklahoma Car Insurance Rates by City

City

Average Rate

Broken Arrow

$1,382

Edmond

$1,312

Enid

$1,193

Lawton

$1,193

Midwest City

$1,412

Norman

$1,328

Oklahoma City

$1,434

Owasso

$1,259

Stillwater

$1,220

Tulsa

$1,485

Larger cities including Tulsa and Oklahoma City were the costliest, with average rates in our analysis of $1,485 and $1,434, respectively. Midwest City was the next most expensive at $1,412, followed by Broken Arrow at $1,382. 

Enid and Lawton had the cheapest study rates, both at $1,193. Stillwater was next at $1,220. The remaining communities all fell somewhere in between, without a lot of cost difference between them. 

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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Oklahoma Auto Insurance Minimum Coverage Requirements

Oklahoma requires all drivers to carry three types of liability coverage, and proof of insurance must be carried in the vehicle at all times. Minimum coverage amounts are as follows: 

  • $25,000 bodily injury per person, to go toward the cost of medical costs for others in your vehicle.
  • $50,000 bodily injury, to go toward the medical costs of all others involved in a crash when you are at fault. 
  • $25,000 property damage liability, to pay for damage to the vehicle or belongings of others following a collision when you are at fault.

Uninsured motorist coverage is not required, but insurance companies are required to offer it with every policy. It would be well worth considering, because you could be left with no coverage if you’re involved in a crash caused by another driver who has no insurance. 

Regardless of whether you choose to buy any of the available optional coverages, it would be a good idea to consider liability protection beyond the minimums required in Oklahoma. Our study found the difference between minimum and high coverage limits to be only about $200 per year with most insurers. With medical costs as high as they are, even a brief hospital visit could quickly rack up bills in the tens of thousands of dollars. That could make that $200 seem like a bargain.

Cheapest Car Insurance in Oklahoma

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Young Adult Drivers

GEICO

Married Adult Drivers

GEICO

Senior Drivers

State Farm

Drivers with Good Credit

GEICO

Drivers with Poor Credit

GEICO

Drivers with a Clean Record

GEICO

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

GEICO

High-mileage Drivers

GEICO

Drivers with Low Coverage

GEICO

Drivers with High Coverage

GEICO

Drivers with Used Cars

GEICO

Drivers with New Cars

GEICO

We found that some companies are cheaper than others overall, but the best choice for you will likely vary depending on your specific circumstances. By starting with the companies we found to be the cheapest overall, you’ll be off to a good start. Then narrow your choices based on those insurers we found had the best rates for driver profiles that match your own.

Our study found that USAA, Geico, and State Farm had the lowest overall rates for our driver profiles in Oklahoma, at $974, $1,139, and $1,202, respectively. 

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Oklahoma 

Car insurance rates can vary within a state based on a variety of factors, from frequency of accidents in a given area to population density, crime rates and likelihood of theft or vandalism. Urban areas with more crime, vehicles and traffic tend to have more insurance claims than suburban or rural areas, and thus higher rates. 

That said, we saw less of a difference in auto insurance study rates across Oklahoma than we’ve seen in some other states, with a difference of less than $300 between all the communities and towns we sampled. All had average study rates between about $1,200 and $1,500.

How to Get the Cheapest Car Insurance in Oklahoma

Finding the cheapest car insurance for you starts with comparing rates from different companies for your age, credit history, and driving record. From there, you’ll need to fine tune the process with quotes for the specific car you drive, whether you’re financing or not, where you live, and how much you travel every year.

Students who maintain good grades may be eligible for reduced rates, or parents may get a break if young drivers are away at school. Many insurers now offer discounted rates for drivers willing to install a device that tracks their behavior behind the wheel. 

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Some insurance companies may offer discounts for members of certain credit unions, auto clubs, or other organizations. Even keeping your car in a garage can lower your rates. 

Another easy way to lower premiums is by opting for a higher deductible, which is the amount you pay for expenses after a crash before your insurance kicks in. Consider eliminating collision or comprehensive coverage if you have an older car that might not be worth repairing after even a fender bender, and always review your options and get competitive quotes once a year. You may be able to save as circumstances change, your car ages, and your financial situation and driving record improve. Always ask your insurance agent what discounts you might be eligible for, or check company websites for more details.

Important Laws Around Auto Insurance in Oklahoma

Oklahoma is an at-fault state, meaning that the driver deemed responsible for a crash is responsible for all damages. This includes cost of injuries, loss of employment, vehicle and other property damage, and potentially even a rental car for the driver not at fault while their vehicle is being repaired. 

Proof of insurance must be carried in the vehicle, and penalties for not having insurance are severe. A first offense carries a penalty of $250, along with a $275 license reinstatement fee. Penalties can also include 30 days in jail. 

A law enacted in 2013 allows police officers to seize license plates from an uninsured vehicle, and either issue temporary plates and insurance good for 10 days or impound the vehicle. The cost for this is added to any other fines or penalties assessed for not having insurance. 

Oklahoma Driving Laws and Punishments

The use of any hand-held electronic device for texting while driving is illegal in Oklahoma, and a first offense carries a $100 fine. The law does allow for exceptions in the case of an emergency, including law enforcement, an emergency response operator, the fire department, or an ambulance. 

Oklahoma has tough laws against drinking and driving, and the legal limit for drivers 21 or older is a blood alcohol content is 0.08%. Drivers under the age of 21 or subject to arrest for operating a motor vehicle with any amount of alcohol in their system. 

A first offense can result in a fine of up to $1,000, loss of license for 180 days, ten days to one year in jail, and use of an ignition interlock for 18 months.

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For a second offense, drivers are subject to fines up to $2,500, a jail term of one to five years, loss of license for one year, and use of an ignition interlock for four years. 

A third offense carries a fine of up to $5,000, one to ten years in jail, loss of license for three years, and use of an ignition interlock for five years. 

Refusal to take a roadside sobriety test can result in immediate loss of license. Penalties are stricter for drivers with children in the car. 

Oklahoma Car Insurance FAQs

Is Car Insurance Required in Oklahoma?

Yes, with the following minimums: 

  • $25,000 bodily injury liability for those in your car. 
  • $50,000 bodily injury liability for all others involved in a crash when you are at fault. 
  • $25,000 property damage liability. 

Which Cars Are Required To Be Insured in Oklahoma?

All vehicles operated on roads in Oklahoma must be insured and registered.

What Happens if My Car Is Not Properly Insured in Oklahoma?

A first offense carries a penalty of $250, along with a $275 license reinstatement fee. Penalties can also include 30 days in jail.

Is Oklahoma a No-Fault State?

No, drivers deemed to be at fault in a crash are responsible for all damages. 

Do I Need Uninsured Motorist Coverage in Oklahoma?

No, uninsured motorist insurance is not required in Oklahoma, but insurance providers are required to offer it with every policy. 

Is Liability Insurance Required in Oklahoma?

Yes, liability insurance is required for both injury and property damage. 

Does Oklahoma Accept Digital Insurance Cards?

Yes, digital insurance cards are accepted in Oklahoma.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Car Insurance Hub | Best Car Insurance Companies | Cheapest Car Insurance Companies

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.