The Cheapest Car Insurance in Oklahoma for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Oklahoma for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Oklahoma isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Oklahoma is $1,965 per year, or about $164 per month, according to NerdWallet’s analysis. Minimum coverage in Oklahoma is $472 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Oklahoma at $247 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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Cheapest car insurance company overall in Oklahoma

$75/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$21/month

4.5

NerdWallet rating 

Cheapest for young drivers

$117/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$75/month

4.5

NerdWallet rating 

If you're looking for the cheapest car insurance in your town, NerdWallet analyzed auto insurance rates in some of the largest Oklahoma cities, including:

How we chose the cheapest companies in Oklahoma

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in Oklahoma and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Oklahoma. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Oklahoma for 20-year-olds

Drivers in Oklahoma with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $1,401 per year, or about $117 per month.

  2. American Farmers & Ranchers: $2,128 per year, or about $177 per month.

  3. State Farm: $2,602 per year, or about $217 per month.

  4. Shelter: $2,961 per year, or about $247 per month.

  5. Farmers: $3,365 per year, or about $280 per month.

Cheapest minimum coverage car insurance in Oklahoma for 20-year-olds

Drivers in Oklahoma who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $405 per year, or about $34 per month.

  2. American Farmers & Ranchers: $532 per year, or about $44 per month.

  3. State Farm: $621 per year, or about $52 per month.

  4. Allstate: $827 per year, or about $69 per month.

  5. Shelter: $972 per year, or about $81 per month.

Cheapest auto insurance in Oklahoma for 20-year-olds with poor credit

Drivers with poor credit in Oklahoma should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $563 per year, or about $47 per month.

  2. American Farmers & Ranchers: $826 per year, or about $69 per month.

  3. Allstate: $1,029 per year, or about $86 per month.

  4. Oklahoma Farm Bureau: $1,147 per year, or about $96 per month.

  5. Equity: $1,153 per year, or about $96 per month.

Cheapest auto insurance in Oklahoma for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Oklahoma, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $641 per year, or about $53 per month.

  2. State Farm: $826 per year, or about $69 per month.

  3. American Farmers & Ranchers: $960 per year, or about $80 per month.

  4. Allstate: $1,103 per year, or about $92 per month.

  5. Equity: $1,287 per year, or about $107 per month.

Cheapest auto insurance in Oklahoma for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Geico: $763 per year, or about $64 per month.

  2. State Farm: $996 per year, or about $83 per month.

  3. Progressive: $1,089 per year, or about $91 per month.

  4. Allstate: $1,090 per year, or about $91 per month.

  5. American Farmers & Ranchers: $1,164 per year, or about $97 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Oklahoma for 30-year-olds

Drivers in Oklahoma with clean driving records may get the lowest rates from these companies:

  1. Geico: $901 per year, or about $75 per month.

  2. State Farm: $1,525 per year, or about $127 per month.

  3. American Farmers & Ranchers: $1,562 per year, or about $130 per month.

  4. Farmers: $1,618 per year, or about $135 per month.

  5. Mercury: $1,708 per year, or about $142 per month.

Cheapest minimum coverage car insurance in Oklahoma for 30-year-olds

Drivers in Oklahoma who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $249 per year, or about $21 per month.

  2. State Farm: $273 per year, or about $23 per month.

  3. American Farmers & Ranchers: $323 per year, or about $27 per month.

  4. Mercury: $442 per year, or about $37 per month.

  5. Oklahoma Farm Bureau: $448 per year, or about $37 per month.

Cheapest auto insurance in Oklahoma for 30-year-olds with poor credit

Drivers with poor credit in Oklahoma should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,327 per year, or about $111 per month.

  2. Oklahoma Farm Bureau: $1,966 per year, or about $164 per month.

  3. American Farmers & Ranchers: $2,435 per year, or about $203 per month.

  4. Equity: $2,439 per year, or about $203 per month.

  5. Mercury: $2,555 per year, or about $213 per month.

Cheapest auto insurance in Oklahoma for 30-year-old drivers with one at-fault crash

For drivers in Oklahoma with a recent accident, here are the lowest average rate options for full coverage:

  1. Geico: $1,577 per year, or about $131 per month.

  2. State Farm: $1,847 per year, or about $154 per month.

  3. Oklahoma Farm Bureau: $1,918 per year, or about $160 per month.

  4. Farmers: $2,244 per year, or about $187 per month.

  5. Equity: $2,627 per year, or about $219 per month.

Cheapest auto insurance in Oklahoma for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Geico: $1,649 per year, or about $137 per month.

  2. State Farm: $2,032 per year, or about $169 per month.

  3. Farmers: $2,126 per year, or about $177 per month.

  4. Mercury: $2,276 per year, or about $190 per month.

  5. Progressive: $2,320 per year, or about $193 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Oklahoma for 40-year-olds

Drivers in Oklahoma with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $899 per year, or about $75 per month.

  2. Shelter: $1,386 per year, or about $116 per month.

  3. State Farm: $1,488 per year, or about $124 per month.

  4. American Farmers & Ranchers: $1,562 per year, or about $130 per month.

  5. Mercury: $1,571 per year, or about $131 per month.

Cheapest minimum coverage car insurance in Oklahoma for 40-year-olds

Drivers in Oklahoma who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $247 per year, or about $21 per month.

  2. State Farm: $275 per year, or about $23 per month.

  3. American Farmers & Ranchers: $323 per year, or about $27 per month.

  4. Shelter: $405 per year, or about $34 per month.

  5. Mercury: $439 per year, or about $37 per month.

Cheapest auto insurance in Oklahoma for 40-year-olds with poor credit

Drivers with poor credit in Oklahoma can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,324 per year, or about $110 per month.

  2. Oklahoma Farm Bureau: $1,966 per year, or about $164 per month.

  3. Equity: $2,333 per year, or about $194 per month.

  4. Mercury: $2,338 per year, or about $195 per month.

  5. Shelter: $2,352 per year, or about $196 per month.

Cheapest auto insurance in Oklahoma for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Oklahoma, here are the companies with the lowest average rates for full coverage:

  1. Geico: $1,561 per year, or about $130 per month.

  2. State Farm: $1,781 per year, or about $148 per month.

  3. Oklahoma Farm Bureau: $1,918 per year, or about $160 per month.

  4. Farmers: $2,291 per year, or about $191 per month.

  5. Shelter: $2,320 per year, or about $193 per month.

Cheapest auto insurance in Oklahoma for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Geico: $1,724 per year, or about $144 per month.

  2. State Farm: $1,997 per year, or about $166 per month.

  3. Mercury: $2,123 per year, or about $177 per month.

  4. Farmers: $2,169 per year, or about $181 per month.

  5. Progressive: $2,192 per year, or about $183 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Oklahoma for 50-year-olds

Drivers in Oklahoma with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $911 per year, or about $76 per month.

  2. Shelter: $1,178 per year, or about $98 per month.

  3. Mercury: $1,397 per year, or about $116 per month.

  4. State Farm: $1,445 per year, or about $120 per month.

  5. Farmers: $1,540 per year, or about $128 per month.

Cheapest minimum coverage car insurance in Oklahoma for 50-year-olds

Drivers in Oklahoma who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $252 per year, or about $21 per month.

  2. State Farm: $273 per year, or about $23 per month.

  3. American Farmers & Ranchers: $316 per year, or about $26 per month.

  4. Shelter: $334 per year, or about $28 per month.

  5. Mercury: $362 per year, or about $30 per month.

Cheapest auto insurance in Oklahoma for 50-year-olds with poor credit

Drivers with poor credit in Oklahoma can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,341 per year, or about $112 per month.

  2. Oklahoma Farm Bureau: $1,829 per year, or about $152 per month.

  3. Shelter: $2,002 per year, or about $167 per month.

  4. Mercury: $2,053 per year, or about $171 per month.

  5. Equity: $2,217 per year, or about $185 per month.

Cheapest auto insurance in Oklahoma for 50-year-old drivers with one at-fault crash

For drivers living in Oklahoma with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. State Farm: $1,743 per year, or about $145 per month.

  2. Oklahoma Farm Bureau: $1,781 per year, or about $148 per month.

  3. Geico: $1,783 per year, or about $149 per month.

  4. Shelter: $1,958 per year, or about $163 per month.

  5. Farmers: $2,229 per year, or about $186 per month.

Cheapest auto insurance in Oklahoma for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Geico: $1,826 per year, or about $152 per month.

  2. Shelter: $1,927 per year, or about $161 per month.

  3. State Farm: $1,942 per year, or about $162 per month.

  4. Mercury: $1,961 per year, or about $163 per month.

  5. Progressive: $2,012 per year, or about $168 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Oklahoma for 60-year-olds

Drivers in Oklahoma with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $952 per year, or about $79 per month.

  2. Shelter: $1,178 per year, or about $98 per month.

  3. Farmers: $1,363 per year, or about $114 per month.

  4. State Farm: $1,369 per year, or about $114 per month.

  5. Mercury: $1,407 per year, or about $117 per month.

Cheapest minimum coverage car insurance in Oklahoma for 60-year-olds

Drivers in Oklahoma who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. State Farm: $259 per year, or about $22 per month.

  2. Geico: $268 per year, or about $22 per month.

  3. American Farmers & Ranchers: $316 per year, or about $26 per month.

  4. Shelter: $334 per year, or about $28 per month.

  5. Mercury: $374 per year, or about $31 per month.

Cheapest auto insurance in Oklahoma for 60-year-olds with poor credit

Drivers with poor credit in Oklahoma can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,406 per year, or about $117 per month.

  2. Oklahoma Farm Bureau: $1,742 per year, or about $145 per month.

  3. Shelter: $2,002 per year, or about $167 per month.

  4. Mercury: $2,068 per year, or about $172 per month.

  5. Equity: $2,185 per year, or about $182 per month.

Cheapest auto insurance in Oklahoma for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Oklahoma, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $1,663 per year, or about $139 per month.

  2. Oklahoma Farm Bureau: $1,701 per year, or about $142 per month.

  3. Geico: $1,894 per year, or about $158 per month.

  4. Shelter: $1,958 per year, or about $163 per month.

  5. Farmers: $2,027 per year, or about $169 per month.

Cheapest auto insurance in Oklahoma for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Geico: $1,777 per year, or about $148 per month.

  2. State Farm: $1,838 per year, or about $153 per month.

  3. Farmers: $1,913 per year, or about $159 per month.

  4. Progressive: $1,919 per year, or about $160 per month.

  5. Shelter: $1,927 per year, or about $161 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for all 48 driver profiles we examined.

Minimum required auto insurance in Oklahoma

Oklahoma car insurance policies must include liability insurance, which helps pay for others' property repairs or injury treatment if you cause an accident.

The minimum amounts your policy must include are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per incident.

  • $25,000 property damage liability per incident.

While this is enough to drive legally, you may want more than the bare minimum. Check out NerdWallet's guide to minimum car insurance requirements by state for details on other coverages you can add and how their limits work.

Alternative car insurance in Oklahoma

If poor credit, a spotty driving record or other factors are preventing you from getting auto insurance on the voluntary market, you may qualify for coverage through the Oklahoma Automobile Insurance Plan.

NerdWallet can also help you find cheap car insurance in Oklahoma. Use our car insurance comparison tool to see rates from top companies.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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