The Best Oklahoma Auto Insurance Company
Oklahoma’s auto insurance rates are right in line with the national average — $1,005 per year, compared to $1,009 nationwide. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Rates for auto insurance in Oklahoma are on par with the national average. But car accident statistics per capita in the Sooner State rank it among the top ten most dangerous states to drive in the country. Oklahoma is also one of the states with the most uninsured drivers on the road — about one in four. Change is coming, though, with a law passed in 2017 that aims to crack down on uninsured drivers and hopefully make the roads safer for everyone. As a driver in Oklahoma you can protect yourself by finding the best auto insurance for you.
Oklahoma Minimum Liability
Every state has a different minimum liability level for insured motorists that outlines the minimum amount of coverage required for drivers in that state. This is usually shown as how many thousands of dollars are required for bodily injury coverage per person, bodily injury coverage per accident, and property damage liability. In Oklahoma’s case, the minimum required liability limits is 25/50/25 — this means:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage per accident
Oklahoma’s minimum liability is similar to what you’ll find in most other states. Still, it’s probably wise to buy more than the minimum. Think about getting into an accident with a luxury car — worth $100,000 or more — it’s easy to see how just $25,000 of property damage coverage might leave you paying a lot more out of pocket for the rest of the damages.
Most experts recommend buying more than the minimum insurance required by your state. How much? As much as you can afford. Some experts suggest a good starting point is a policy that’s 100/300/50 — that is, $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage per accident. Of course, auto insurance premiums vary greatly depending on the provider, where you live, and what kind of car you drive. Shopping around is the best way to make sure you’re getting the best coverage for you at the best rate. Our review on the top providers here in Oklahoma is a great place to start your search.
How We Found the Best Auto Insurance in Oklahoma
To find the best auto insurance companies in Oklahoma, we used a similar methodology to what we used in our review on nationwide providers. We started out with the five largest auto insurance providers in Oklahoma by market share then evaluated what they had to offer in various categories. We looked at their coverage options and discounts, including whether they offered certain options Oklahomans might be particularly interested in, such as the ability to add coverage for if you get in an accident with an uninsured or underinsured driver (since Oklahoma’s rate of uninsured drivers is so high). We then checked out what resources each company provided online, including their customer service tools and how informative their site was.
Multi-Policy; Multi-Car; Home Ownership; Safe Driver; Continuous Insurance; Hybrid/Electric Vehicle; New Car; EFT, Paid in Full and Good Payer; Early Quote or Early Signing; Good Student; Student Away at School; Driver Training; Anti-lock Brake; Anti-theft Device; Airbags; Daytime Lights; Safe Driving Program; Military and Deployment; Membership/Affiliate Programs; Drivers Over 50/Retired; Drivers Under 18; Federal Employee; Usage-Based; Family Plan; Paperless Billing; Healthy Habits; Higher Deductible.
Endorsements (coverage options) we looked for: Bodily Injury Liability; Property Damage Liability; Medical Payments; Comprehensive; Uninsured/Underinsured Bodily Injury; Collision; Gap Loan/Lease Payoff; Pet Injury; Rental Reimbursement; Roadside Assistance or Towing; Custom Parts & Equipment Value; Coverage for Teen Drivers; Ridesharing Coverage; Personal Injury Protection; Umbrella; Mechanical Breakdown; Vanishing Deductible; Accident Forgiveness; New Car Replacement; Property Protection.
We also took a look at each company’s reputation. This included comparing JD Power and Consumer Reports ratings for overall customer satisfaction and for claims process satisfaction for each company. We also compared financial stability ratings from A.M. Best, Moody’s and S&P Global, to make sure each company was in good financial standing to pay out those claims they promise. Finally, we tested out the online quote tools offered by each company to test how well they worked and how easy they were to use, as well as to gather some example premiums.
Oklahoma Auto Insurance Reviews
State Farm stood out in our review for its great ratings from JD Power and Consumer Reports in customer service and claims experience, higher than any of the other companies we reviewed. The overall customer satisfaction score of 89/100 from Consumer Reports was the highest of all our contenders, and State Farm also received an “Excellent” (the top rating from Consumer Reports) for timely payments on claims. Both good indicators that State Farm customers are generally pretty happy with their auto insurance. Another great sign from State Farm is that it received the highest financial stability ratings of any of the companies we analyzed.
State Farm’s website offerings are also outstanding. All of its coverage options, available discounts, and endorsements were extremely easy to find and understand and it had a great, informative FAQ section. When it comes to available discounts — a key factor when comparing premiums between auto insurance providers — State Farm has plenty. With 13 of the discounts we looked for available according to their site, they came in second of the five companies in our top picks, only Farmers had more.
Although no slouch when it comes to available endorsements and additional coverage options, State Farm did offer the fewest of our other top picks: 11 compared to the 16 offered by Allstate. However, State Farm’s endorsements do cover those that are probably most appealing to Oklahoma drivers, like the option to purchase coverage for an accident involving an uninsured/underinsured driver. State Farm also offers optional coverage to add to your insurance if you drive for a rideshare company, like Uber or Lyft.
Lastly, when we tested the State Farm quote tool on their website, we weren’t able to come up with a quote for our test-case scenario because State Farm requires a license number or Social Security Number in order to receive on online premium quote. This could be a non-issue for you, but if you’re hesitant about providing such personal info online, it might make the online quote shopping process a little more difficult when it comes to including State Farm. You can also always contact a local State Farm agent by phone to get a quote.
Farmers is another great option and really stood out for discounts, offering 15 of the popular discounts we were looking for. Like State Farm, Farmers’ website was outstanding when it came to clearly outlining all the available coverage options, endorsements and discounts, and had an informative FAQ section to help you find anything else. We were also pleased to see that Farmers had a good JD Power overall customer satisfaction and claims rating, and the same Consumer Reports reader score as State Farm: 89/100. Farmers has a good reputation with customers during the claims process — when it counts!
For Oklahomans looking for particularly customized auto insurance coverage, Farmers is a great option. It offers 14 of the endorsements and supplemental coverage options we looked for, including some not included by State Farm, like umbrella coverage and new car replacement, which would replace your car in the event of a loss. Farmers also offers optional rideshare coverage, for any drivers who drive for a rideshare company, like Uber or Lyft.
There are just a couple of potential drawbacks with Farmers. First, when we looked at financial stability ratings, Farmers had the lowest of the top picks we analyzed. This isn’t to say there’s anything to worry about if you do go with Farmers. The ratings it received were all still considered “stable” by the top ratings companies, however, they’re lower than State Farm’s, Progressive’s and Allstate’s. Lastly, we ran into trouble when we attempted to receive an online premium quote with Farmers as well — they only provide them through affiliate agents, not directly online, which could add some time to your quote shopping if you just want a quick estimate.
Out of the five companies in our top picks, Progressive’s website was the best. It clearly outlined coverage options as well as discounts and endorsements available, and it had great customer service tools available, like a thorough FAQ section and live chat with a customer service rep, a tool offered by just one other, Liberty Mutual. Progressive also has a great reputation. Its financial stability ratings are considered very good, second only to State Farm’s in the five companies we analyzed.
When it comes to customer service reputation, Progressive also shines — it earned an 87/100 reader score from Consumer Reports along with a “Very Good” rating for Simplicity of Process (the second-highest possible) and “Excellent” rating (the highest) for Timely Payment during the claims process. JD Power overall and claims ratings were both on par with State Farm and Farmers — 3/5. All good signs for anyone considering becoming a Progressive customer.
Another reason you may want to consider Progressive for your auto insurance needs is the number of endorsements and supplemental coverage options it has available. It offers 13 of the common endorsements we looked for in our analysis, including the uninsured/underinsured endorsement that might be especially appealing to Oklahoma drivers. While a few less than the offerings from Farmers (14) and Allstate (16), it’s still more than State Farm and Liberty Mutual offer.
The potential roadblock you might hit while shopping with Progressive is the number of discounts. We counted just 10 of the popular discounts we included in our analysis for Progressive and Liberty Mutual, less than State Farm, Farmers, and Allstate. Still, take a look at what they offer by checking out their online quote tool. We found it pretty quick and easy to use while testing out an example scenario, no license or social required. It even includes three different coverage level options in your quote so you can see how different liability levels would affect your premium.
If you’re looking for a super customizable auto insurance provider, look no further than Allstate. Out of our top five picks for Oklahoma, Allstate has 16 options for endorsements and supplemental coverage, the most of any contender we looked at. This could be especially important if you have a unique or luxury car — they offer an optional endorsement for covering custom parts — or are looking to really cover your bases in case of any issues: like you want to make sure you have coverage for roadside assistance in the event of a breakdown, or rental reimbursement in the case that a covered accident keeps your car in the shop for a while. These could all come in handy in a state like Oklahoma where traffic accidents are fairly common. Allstate also offers optional coverage to add to your insurance if you drive for a rideshare company.
When it comes to customer service, Allstate has a high reader score rating from Consumer Reports, 88/100, and scored the highest possible rating “Excellent” when it comes to timely claims payments. It did, however, have only a 2 out of 5 rating from JD Power for overall customer satisfaction in the Central region, which includes Oklahoma. Allstate offered 12 of the common discounts we looked for during our analysis, about middle of the pack of our top five picks, which ranged from 10 (Liberty Mutual and Progressive) to 15 (Farmers) available discounts. Allstate also has stable financial stability ratings, which didn’t stand out as highest or lowest in our top five picks. We particularly liked Allstate’s online quote tool, which offered three different tiers of coverage, as Progressive’s did, but with a few more of those great endorsement options included in their quote options.
Liberty Mutual’s website offered tons of information about coverage, discount and endorsement options and a quote tool we really loved. It also boasted an informative FAQ section and the option for a live customer service chat via Twitter or Facebook Messenger. When we tested the quote tool, we liked that you could choose whether you wanted a “quick estimate” or a more detailed one, which could save you time if you want to quickly price out some options and know what you’re looking for.
Liberty Mutual’s Consumer Reports ratings are good, earning an overall reader score of 88/100, the same as Allstate. However, its JD Power ratings in the central US region, which includes Oklahoma, are 2 out of 5 for both overall and claims satisfaction scores. Also, when it came to financial reputation, Liberty Mutual had lower ratings than the other top five picks (about the same as Farmers), but even so, the ratings they receive are still considered good and stable. Still, those customer service and financial ratings are something to consider when it comes to deciding whether Liberty Mutual will be the best option for your coverage needs.
Like Progressive, Liberty Mutual was also a bit behind the pack when we looked for the number of common discounts on offer, we counted just 10 of our sought after discounts compared to the frontrunner in this category, Farmers, which has 15. We found a similar story when it came to how many of the endorsements and supplemental coverage options Liberty Mutual offered. We found just 10 compared to frontrunner Allstate’s 16. Though they don’t offer an uninsured/underinsured endorsement option, as all four other top picks do, they do offer the most important options like the possibility for liability, comprehensive, collision and medical payments — so depending on your specific auto insurance needs, they could still be the best company for you.
Oklahoma Auto Insurance Quote Analysis
Using the online quote tools, we were able to find good examples from Progressive, Allstate and Liberty Mutual (the three providers that didn’t require our social or talking to a third party) showing how premium quotes can vary greatly between providers and depending on levels of coverage. Each quote offers a minimum amount of coverage. Interestingly, various endorsements or higher liability coverage levels on top of that minimum, don’t always translate to a higher premium. For instance, the quoted premium for Liberty Mutual at the very minimum liability still came out higher than Allstate’s for the same coverage with an additional endorsement of $25,000 per person and $50,000 per accident of bodily injury coverage for uninsured motorists. These varied rates show how the most important aspect of choosing the best auto insurance company for your needs is a totally personal experience, meaning you need to shop around to make sure you’re getting the best rate for the type of coverage you need.
|Premium for at least: Min. Liability (25/50/25)||$79.02/month||$82/month
+ Uninsured Motorist (25/50)
|Premium for at least: Min. Liability (25/50/25) + Uninsured Motorist Coverage (25/50)||$96.86/month||$98/month
Liability (50/100/50) +
Uninsured Motorist (50/100)
|Premium for at least: Min. Liability (25/50/25) + Uninsured Motorist Coverage (25/50) + Medical Payment Coverage||
Liability (100/300/100) + Uninsured Motorist (100/300) + Medical Payments ($500 per person)
Liability (100/300/100) + Uninsured Motorist (100/300) + Medical Payments ($5,000 per person) + Rental Reimbursement ($30/day)
Liability (25/50/25) +
Uninsured Motorist (25/50) + Medical Payments ($1,000)
Quotes based on — Driver: Single, 38-year-old male; Vehicle: 2010 Toyota Camry; Location: Oklahoma City, OK
New Laws in Oklahoma Attempt to Cut Down on Uninsured Drivers
Oklahoma has one of the highest rates of uninsured drivers in the country — more than one-quarter of drivers on the road have no insurance — and some of the highest rates of fatal motor vehicle accidents per capita — 17.3 per 100,000 people in 2016 were killed in a motor vehicle accident. This means that insurance rates in Oklahoma remain high. But in April 2017, Oklahoma’s governor signed a bill into law that is attempting to crack down on uninsured drivers, which, if effective, could eventually help bring auto insurance rates down. The law transferred oversight of uninsured vehicles from the Department of Public Safety to the Oklahoma Insurance Department. The law also allows tracking of license plate numbers to determine whether a driver has insurance. In November 2017, the state started a new program to use cameras to track license plates. If a driver is identified who is uninsured, they’ll be stuck with a $184 fine and told to buy insurance. Even more reason to make sure you have the right kind of insurance if you’re driving in Oklahoma.