Best Car Insurance in Oklahoma for 2025 [Check Out the Top 10 Companies]
State Farm, Geico, and Progressive are the best car insurance in Oklahoma, with rates from $29 monthly. State Farm is the top choice for overall coverage, with a 17% bundling discount. See how top providers like Geico provide an A++ rating for claim handling, and Progressive helps drivers with flexible options.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Mar 13, 2025
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17,760 reviewsCompany Facts
Full Coverage in Oklahoma
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
19,116 reviewsCompany Facts
Full Coverage in Oklahoma
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage in Oklahoma
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsState Farm, Geico, and Progressive provide the best car insurance in Oklahoma, with full coverage monthly rates starting as low as $29 from State Farm.
To discover great deals, refer to our car insurance guide, highlighting top providers like State Farm, known for their comprehensive coverage and exceptional customer service. Consider Geico’s affordable premium with a monthly rate of $35 and customizable policies offered by Progressive.
Our Top 10 Company Picks: Best Car Insurance in Oklahoma
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Overall Coverage | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Flexible Options | Progressive |
 | #4 | 10% | A++ | Military Families | USAA |
 | #5 | 20% | A | Customizable Policies | Farmers |
 | #6 | 25% | A+ | Accident Forgiveness | Allstate |
 | #7 | 25% | A | New Car Owners | Liberty Mutual |
 | #8 | 13% | A++ | Green Vehicles | Travelers |
 | #9 | 20% | A+ | Safe Drivers | Nationwide |
 | #10 | 25% | A | Customer Service | American Family |
Finding the best car insurance companies in Oklahoma can be challenging due to the limited options available. Fortunately, by simply entering your ZIP code, you can discover more affordable insurance rates in the state.
- State Farm offers cheap premium for drivers, with a monthly rate of $29
- Geico and Progressive both offer extensive discount opportunities
- Geico earns an A++ rating for its excellent claim handling and services
#1 – Stare Farm: Overall Top Pick
Pros
- Affordable Prices – Customers can enjoy the offers of State Farm with full coverage for as low as $29 per month.
- Generous Discounts – State Farm offers policyholders up to 17% savings through bundling home and auto insurance.
- Exceptional Customer Service – State Farm maintains the title of high satisfaction ratings, proving its strong customer support.
Cons
- Limited Online Tools – State Farm lacks advanced digital features and online policy management options. Check our “State Farm car insurance review” for better options.
- Drivers Face Higher Rates – Rates can be higher for high-risk drivers than other best car insurance companies.
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#2 – Geico: Best for Affordable Rates
Pros
- Low Premiums – Geico offers customers some of the cheapest car insurance rates at $35 monthly. Don’t hesitate to check other deals with our “Geico car insurance review“.
- Superior Claims Handling – Geico is known for its efficient claims process for having a rating of A++ from A.M. Best.
- Easy-to-Use App – Its app allows customers to easily manage policies, pay bills, and file claims directly from their phones.
Cons
- Limited Local Agents – Geico mainly works online, so there aren’t as many local representatives to help with your concerns.
- Fewer Customization Options – Geico’s policy add-ons are more limited than those of other big insurance companies.
#3 – Progressive: Best for Flexible Coverage
Pros
- Unique Pricing Tool – Progressive has a Name Your Price® tool that lets customers find coverage that fits their budget.
- Lots of Discounts – Progressive provides multiple discounts, including multi-policy, good driver, and Snapshot® usage-based savings.
- Strong Digital Experience – It provides highly-rated mobile apps and online tools for smooth and fast transactions. Try the app from our “Progressive car insurance review” to experience advanced tech.
Cons
- Customer Service Complaints – There are reports about mixed experiences with claims processing and responsiveness.
- Digital Interaction – Unlike other big insurance companies, Progressive relies heavily on online services rather than in-person agents.
#4 – USAA: Best for Military Benefits
Pros
- Customer Support – Leading providers like USAA are recognized for their excellent customer service and consistently receive top ratings.
- Competitive Rates – Customers highly picked USAA for its cheapest rate, starting as low as %22 per month. To explore more deals, visit our “USAA car insurance review. “
- Financial Stability – USAA ensures claim payout reliability, maintaining its superior financial ratings.
Cons
- Limited Offers – Some USAA offers are available exclusively for active military members, veterans, and their families.
- Few USAA Branches – USAA has few physical branches as it operates only online interaction and by phone.
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#5 – Farmers: Best for Customizable Policies
Pros
- Customizable Options for Drivers – Customers can enjoy a variety of policy add-ons, like accident waivers and replacement options.
- Highly Rated Service – Farmers provides fast transaction with their responsive claims handling and personalized support from agents.
- Innovative Usage Programs – Safe drivers can receive discounts on insurance premiums through an app that offers rewards.
Cons
- Unavailability in Some Areas – The coverage options offered by Farmers are limited in some states.
- Discount Eligibility – Strict eligibility requirements make it harder for some drivers to get discounts. Check more discounts with our “Farmers car insurance review“.
#6 – Allstate: Best for Accident Forgiveness
Pros
- Unique Perks – Allstate offers extensive add-ons like accident forgiveness, new car replacement, and rideshare insurance. See more unique offers with our “Allstate car insurance review“.
- Multiple Discount Programs – Drivers can save in Allstate with a 25% bundling discount, safe driving, and multi-policy discounts.
- Drive Wise Program – This program rewards safe driving, which is excellent for drivers who want to save money with the best car insurance companies.
Cons
- Mixed Customer Reports – While some customers are satisfied with the Allstate services, others report inconsistent claims experiences.
- Drivewise Savings Vary – The potential discount of Drivewise depends on driving habits and may not always lead to significant savings.
#7 – Liberty Mutual: Best for New Car Owners
Pros
- Customizable Coverage – Drivers can customize their policies with added features like accident forgiveness and new car replacements.
- RightTrack Telematics Discount – Safe drivers can save up to 30% with the new Liberty Mutual’s RightTrack program.
- 24/7 Claims Assistance – Liberty Mutual provides round-the-clock customer support for claims and roadside assistance.
Cons
- Mixed Customer Satisfaction – Some policyholders report Liberty Mutual delays and inconvenience with claims. Check these statements through our “Liberty Mutual car insurance review“.
- Program Limitations – Not all drivers can guarantee maximum savings, and some find telematics tracking uncomfortable.
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#8 – Travelers: Best for Green Vehicles
Pros
- Discount Programs – Customers can save with multi-policy, safe driver, and hybrid/electric vehicle discounts.
- Financial Strength – Travelers is a financially secure and reliable provider receiving an A++ rating from A.M. Best.
- IntelliDrive Telematics System – Travelers offers safe drivers with discounts of up to 30% through the IntelliDrive program.
Cons
- Higher Rates – Top providers like Travelers offer more expensive full coverage but can still provide good value. For more details, check this guide, “How Much Insurance Do I Need for my Car?“
- Limitations on Certain Coverages – Customers may not enjoy some discounts as they are limited to specific regions.
#9 – Nationwide: Best for Safe Drivers
Pros
- Special Perks – Nationwide offers drivers added features like vanishing deductible and total loss deductible waiver. Curious enough, check our “Nationwide car insurance review” for more information.
- Vast Discount Opportunities – Customers can save from Nationwide with their offers of 20% bundling, innovative ride telematics, and good student discounts.
- Excellent Customer Satisfaction – Nationwide receives positive feedback from customers with its fast claims process and responsive service.
Cons
- Limited Availability – Some specialized coverage options and discounts may not be accessible to some drivers.
- Increased Rates – Drivers who don’t meet the safe driving criteria provided by Nationwide may receive higher premiums with SmartRide.
#10 – American Family: Best for Customer Service
Pros
- Complete Coverage – The American Family offers many policies, including no-penalty accident coverage and diminishing deductibles.
- Generous Offers – Customers can save in American Family through bundling, loyalty discounts, and the KnowYourDrive telematics program.
- Flexible Local Agents – American Family receives high ratings for personalized customer service and claims handling.
Cons
- Access Barriers – American Family deals like competitive rates, and drivers cannot avail coverage as these are unavailable in all states.
- Expensive Premiums – Rates may be higher than budget insurers, especially for high-risk drivers. Check this comparison in our “American Family and State Farm review” for better deals.
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Cheapest Companies in Oklahoma
Where can you get the best rates? Well, we took some of the cheapest companies in Oklahoma and compared them against the state average.
Oklahoma Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $45 | $135 |
| $38 | $118 |
| $44 | $136 |
| $35 | $109 |
| $60 | $184 |
| $40 | $122 |
| $36 | $110 |
| $29 | $91 |
| $34 | $105 |
| $22 | $68 |
State Farm and USAA were by far the cheapest when comparing their rates to the state averages.
Read more: How Much Insurance Do I Need for My Car?
Best Car Insurance Companies in Oklahoma
Since you need to buy insurance, it’s best to do so from a reputable company. We are going to look at the biggest insurance companies in Oklahoma.
Car Insurance Discounts From the Top Providers in Oklahoma
| Insurance Company | Available Discounts |
|---|---|
| Anti-theft, early signing, multiple policies, responsible payer, pay-in-full, safe driver, senior, student away from home, new car, vehicle safety, paperless billing, claim-free, loyalty |
| Multi-policy, loyalty, auto-pay, safe driving, good student, vehicle safety, low mileage, early signing, accident-free, bundle with home insurance, paperless, hybrid/electric vehicle |
| Multi-car, anti-theft, full-payment, bundling, good student, home ownership, business insurance, loyalty, continuous coverage, paid-in-full, early signing |
| Defensive driving, military, good student, vehicle safety, federal employee, multi-vehicle, emergency deployment, membership affiliation, safe driving, low mileage |
| Multi-car, new car replacement, good student, homeowner, low mileage, early signing, pay-in-full, accident-free, paperless, bundled discounts, responsible payer |
| SmartRide, multi-policy, good student, defensive driving, family plan, accident-free, paperless, low mileage, home and auto bundle, loyalty |
| Snapshot, multi-car, continuous coverage, homeowner, online quote, good student, loyalty, bundling, safe driving, paid-in-full, paperless |
| Multi-policy, safe driving, good student, accident-free, vehicle safety, home ownership, defensive driving, low mileage, paid-in-full, new car |
| Hybrid/electric, continuous coverage, multi-policy, safe driver, new car, paid-in-full, responsible payer, loyalty, home and auto bundle |
| Military, good student, safe driving, vehicle storage, multi-policy, annual payment, defensive driving, low mileage, claim-free, loyalty discounts |
We will break down their rates and what factors they use to give rates to customers. We will also look at their financial information and customer service satisfaction.
Every company will try to sell themselves to customers. It is their job. We are going to take the guessing out of which ones would be a good fit and which ones you should avoid.
If you’re just looking for cheap car insurance, the lowest rates aren’t always from the same company. Insurers use complex algorithms to determine rates, and some of it depends on the individual underwriter.
Read more: How Car Insurance Works in 2025 (Understand Your Coverage)
Oklahoma’s Minimum Coverage for Auto Insurance
How much coverage do you need on your vehicle? Oklahoma has a minimum required amount, but remember this is the minimum amount.
Oklahoma Report Card: Car Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B | Higher payouts raise costs |
| Vehicle Theft Rate | B | Increases risk for insurers |
| Traffic Density | C | More vehicles, more accidents |
| Weather-Related Risks | C | Frequent storms cause damage |
| Uninsured Drivers Rate | D | Raises costs for insured drivers |
These are the limits that will be paid out by your insurance company to the other party if you are found at fault in an accident.
Oklahoma Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Broken Arrow | 4,000 | 3,000 |
| Edmond | 3,500 | 2,625 |
| Norman | 5,000 | 3,750 |
| Oklahoma City | 17,000 | 12,000 |
| Tulsa | 15,000 | 10,500 |
These limits do not cover your own damages in an accident where you are at fault. You can add other coverages to your policy to cover you and your vehicle.
It is always wise to talk to your insurance agent. An agent can help you decide what you need, and then they can get quotes from different companies for that coverage.
Consider adding full coverage to protect yourself and your vehicle, and consult an insurance agent to find the best options for your needs and budget.Scott W. Johnson Licensed Insurance Agent
You can also get quotes by entering your zip code and answering a few questions in our free comparison quote tool. We will be looking further into rates, and the rates for more coverage.
5 Most Common Car Insurance Claims in Oklahoma
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $10,000 |
| Weather-Related Damage | 25% | $12,000 |
| Uninsured Motorist Claims | 15% | $25,000 |
| Animal Collisions | 15% | $8,000 |
| Parking Lot Accidents | 15% | $6,000 |
We will also take a look at the penalties for driving without the minimum insurance coverage. You must be able to show proof of insurance, which you can do with a copy of your policy or ID card.
Read more: If my car breaks down, will insurance cover a rental?
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Keep Right & Move Over Laws in Oklahoma
Most drivers know the feeling of driving on the interstate behind a driver going below the speed limit. This is often a safety issue when drivers are trying to maneuver around slow drivers.
Car Insurance Discounts From Top Oklahoma Providers
| Insurance Company | UBI | Good Driver | Bundling | Multi-Car | Good Student |
|---|---|---|---|---|---|
| 10% | 20% | 25% | 25% | 20% |
| 15% | 20% | 20% | 20% | 25% |
| 15% | 20% | 25% | 25% | 20% |
| 15% | 30% | 25% | 25% | 15% |
| 10% | 30% | 20% | 20% | 20% |
| 10% | 25% | 20% | 20% | 15% |
| 15% | 30% | 25% | 25% | 20% |
| 10% | 20% | 20% | 20% | 25% |
| 10% | 20% | 15% | 15% | 10% |
| 10% | 25% | 15% | 15% | 25% |
All drivers going below the speed limit must stay to the right on Oklahoma roads. Move over laws are also important for safety purposes.
Oklahoma Report Card: Car Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| UBI | A | 40% | Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers |
| Good Driver | A | 30% | Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA |
| Bundling | A | 25% | Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA |
| Multi-Car | A | 25% | Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA |
| Good Student | A- | 25% | Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, Travelers, USAA |
| Low Mileage | B+ | 20% | Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA |
| Anti-Theft Devices | B+ | 15% | Allstate, Farmers, Geico, Nationwide, State Farm |
| Defensive Driving | B+ | 15% | American Family, Farmers, Geico, Nationwide, State Farm, USAA |
| New Car | B | 10% | Allstate, Geico, Travelers, USAA |
| Paperless Billing | B | 10% | Allstate, American Family, Farmers, Liberty Mutual, Nationwide, Progressive, Travelers |
When approaching any emergency vehicle with flashing lights or maintenance vehicles, drivers are to vacate the closest lane to that vehicle.
Read more: What are the Oklahoma car seat laws?
Looking for the Right Insurance Company
Consider factors such as assessing your coverage requirements, comparing quotes, and reviewing the reputation of different insurance companies. To help you find a policy that offers the coverage you need, visit our guide “Why You Need Car Insurance.”
Always compare quotes and coverage options to ensure you get the best car insurance for your needs and budget.
Kristine Lee Licensed Insurance Agent
By carefully reviewing each option, you can secure the best coverage for your lifestyle. Check if you’re getting the best deal on car insurance by entering your ZIP code here.
Frequently Asked Questions
How much is car insurance in Oklahoma?
The average Oklahoma car insurance cost is around $160 per month for full coverage and $42 per month for minimum coverage, though rates vary based on factors like driving history, location, and vehicle type.
What are the minimum Oklahoma car insurance laws?
Under Oklahoma car insurance laws, drivers must carry at least 25/50/25 liability coverage, which means $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Enter your ZIP code into our free comparison tool to get started.
Where can I find cheap Oklahoma auto insurance?
To find Oklahoma cheap auto insurance, compare rates from different Oklahoma car insurance companies and check for discounts based on driving habits, bundling, and low mileage. To get more cheap rates, read our car insurance basics.
What affects Oklahoma car insurance rates?
Oklahoma auto insurance rates depend on your driving record, credit score, vehicle type, and location. Oklahoma City car insurance is sometimes higher than in rural areas.
How can I get an Oklahoma car insurance quote?
You can receive Oklahoma car insurance quotes online by entering your ZIP code and comparing rates from multiple insurers offering low-cost car insurance in Oklahoma.
Does Oklahoma offer low-income car insurance options?
While Oklahoma doesn’t have specific low-income car insurance in Oklahoma programs, drivers can lower costs by choosing minimum liability, usage-based policies, or seeking out low-cost auto insurance in Oklahoma providers. To gain a comprehensive understanding, please read our guide titled “Car Maintenance Expenses.”
How do I file an Oklahoma auto insurance claim?
According to Oklahoma auto insurance claim laws, drivers must report accidents involving injury, death, or property damage exceeding $300 to authorities, and claims should be filed with your insurer as soon as possible.
Can I get an Oklahoma auto insurance quote online?
Many insurers provide free Oklahoma auto insurance quotes online, allowing you to compare options and find low-cost auto insurance in Oklahoma that meets your budget and coverage needs. Enter your ZIP code to check more.
What discounts are available for Oklahoma City car insurance?
Many insurers offer Oklahoma City car insurance discounts for safe driving, bundling policies, military service, and good student discounts, which can help lower your Oklahoma car insurance rates. Learn more tips by viewing our “The Different Types of Car Insurance Coverage“.
How can I find the best Oklahoma auto insurance guide?
For expert advice, follow an Oklahoma auto insurance guide to understand state laws, compare Oklahoma auto insurance quotes, and find the best Oklahoma cheap car insurance.