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The Best Oklahoma Auto Insurance

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    Oklahoma drivers have to contend with some of the nation’s highest rates of inclement weather, uninsured drivers, and fatal accidents. As a result, full coverage auto insurance policies are more expensive than the national average. Luckily the state’s drivers have plenty of both national and regional insurance careers to choose from, with excellent coverage at affordable rates. When looking for the best car insurance in Oklahoma, we considered factors like affordability, customer support, coverage options, customer satisfaction, and online resources.

    The 5 Best Auto Insurance Companies in Oklahoma

    • Geico: Best for low rates
    • Oklahoma Farm Bureau: Best for local coverage
    • Farmers: Best for coverage options
    • Shelter Mutual: Best for customer satisfaction
    • USAA: Best for military-centric options

    Compare the Best Car Insurance Companies in Oklahoma

    Average Price for State Minimum* Average Price for Full Coverage* AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. POWER OVERALL CUSTOMER SATISFACTION** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico$272$1,066A++845
    Pin Oklahoma Farm Bureau$423$2,016B++N/A
    Pin Farmers$312$1,234A848
    Pin Shelter Mutual$666$2,603A856
    Pin USAA$304$1,388A++897

    Information accurate as of July 2021

    * Data provided by Bankrate.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Central region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.

    Geico

    Geico

    Best for low rates

    Why we chose it

    Geico offers the lowest average rates for Oklahoma drivers, based on Bankrate’s data, with some of the best customer service.
    • $1,066* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 845** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers the lowest average rates for Oklahoma drivers, based on Bankrate’s data, with some of the best customer service.

    Pros

    • Low annual premiums
    • Highly-rated customer satisfaction
    • Many discounts available
    • Excellent digital tools

    Cons

    • No gap coverage
    • Few local agents
    Read More

    Types of Coverage Offered

    • Liability
    • Medical
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Emergency road service
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle safety features
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Federal employee
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy

    More Geico Insurance Reviews

    Oklahoma Farm Bureau

    Oklahoma Farm Bureau

    Best for local coverage

    Why we chose it

    Oklahoma Farm Bureau may be the best choice for anyone who prefers the personal touch of a local business.
    • $2,016* Average Premium Pricing data comes from our partners at Bankrate.com.
    • B++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Oklahoma Farm Bureau may be the best choice for anyone who prefers the personal touch of a local business.

    Pros

    • Local coverage
    • Member benefits for being a Farm Bureau member

    Cons

    • Below-average financial strength
    • No online quotes
    • Only available to Farm Bureau members
    Read More

    Types of Coverage Offered

    • Liability
    • Medical payments
    • Uninsured motorist
    • Collision
    • Comprehensive
    • Additional transportation expenses
    • Roadside assistance

    Discounts Available

    • Scholastic discount
    • Defensive driving
    • Multi-policy
    • Driver longevity
    • Multi-vehicle

    Farmers

    Farmers Insurance

    Best for coverage options

    Why we chose it

    Farmers offers an impressive array of coverage options at an affordable annual rate.
    • $1,234* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 848** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers offers an impressive array of coverage options at an affordable annual rate.

    Pros

    • Many coverage options
    • Low annual premiums
    • Lots of discounts available

    Cons

    • Below-average customer satisfaction
    • Limited availability
    Read More

    Types of Coverage Offered

    • Liability
    • Collision
    • Comprehensive
    • Uninsured & underinsured motorist
    • Medical payments
    • Personal injury protection
    • Towing & roadside service
    • Rental reimbursement
    • Rideshare
    • Loss of use
    • Guaranteed value
    • Customized equipment
    • Personal umbrella
    • Glass deductible buyback
    • Full windshield and glass coverage
    • Spare parts coverage
    • Original equipment manufacturer
    • New car replacement
    • Accident forgiveness

    Discounts Available

    • Multi-line
    • Multi-car
    • Affinity member
    • Paperless billing
    • Good payer
    • Safe driver
    • Young driver discounts
    • Shared family car
    • Mature driver
    • Homeowner
    • Autopay
    • Paid in full
    • Vehicle safety features

    More Farmers Insurance Reviews

    Shelter Mutual

    Shelter Mutual Insurance

    Best for customer satisfaction

    Why we chose it

    Shelter Mutual Insurance company offers highly-rated customer satisfaction for Oklahoma drivers.
    • $2,603* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Shelter Mutual Insurance company offers highly-rated customer satisfaction for Oklahoma drivers.

    Pros

    • Highly-rated customer satisfaction
    • Many coverage options
    • Roadside assistance and new car replacement included in all policies

    Cons

    • High annual premiums
    • Limited availability
    • Some discounts are location-dependent
    Read More

    Types of Coverage Offered

    • Liability
    • Collision
    • Comprehensive 
    • Medical payments
    • Personal injury protection
    • Uninsured & underinsured motorist
    • Roadside assistance
    • New car replacement
    • Rental reimbursement
    • Accidental death
    • Disability income
    • Gap insurance
    • Loss of use

    Discounts Available

    • Safe driver
    • Good student
    • Pay-in-full 
    • Multi-car
    • Multi-policy 
    • Passive restraint
    • Accident prevention course
    • Military
    • Driver training course

    USAA

    USAA

    Best for military-centric options

    Why we chose it

    USAA offers highly-rated affordable auto insurance premiums for military families in Oklahoma.
    • $1,388* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 897** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers highly-rated affordable auto insurance premiums for military families in Oklahoma.

    Pros

    • Affordable rates
    • Highly-rated customer service
    • Perks for military families

    Cons

    • Only available to current and former military members and their families
    Read More

    Types of Coverage Offered

    • Comprehensive
    • Collision
    • Liability
    • Uninsured & underinsured driver
    • Personal injury protection
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness
    • Car replacement

    Discounts Available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • No payment plan fees

    More USAA Insurance Reviews

    * Data provided by Bankrate.com.

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Oklahoma

    Oklahoma auto insurance rates are slightly higher than the national average for a full-coverage policy but slightly below average for a minimum liability policy. Drivers in the state have to contend with extreme weather — the state has the nation’s highest rate of violent tornadoes. The state also has one of the highest rates of uninsured drivers and fatal accidents, both of which keep rates higher. 

    Oklahoma drivers can pay an average annual premium of $423 for minimum liability coverage and $1,873 for a full coverage policy, according to Bankrate.com’s 2021 data. The national averages are $565 per year for minimum coverage and $1,674 per year for full coverage. Rates can vary from one insurance carrier to the next. Your age, driving history, vehicle, and credit score can also help determine your insurance rates.

    Top 3 Cheapest Car Insurance Companies in Oklahoma

    CompanyAverage Annual Full Coverage Premium*
    Geico$1,066
    Farmers$1,234
    Progressive$1,342

    * Data provided by Bankrate.com.

    Top 3 Most Expensive Car Insurance Companies in Oklahoma

    CompanyAverage Annual Full Coverage Premium*
    Home State Insurance Group$3,066
    Shelter$2,603
    Safe Auto$2,582

    * Data provided by Bankrate.com.

    Top 3 Cheapest Cities for Car Insurance in Oklahoma

    CityAverage Annual Full Coverage Premium*
    Enid$1,707
    North Enid$1,716
    Bartlesville$1,718

    * Data provided by Bankrate.com.

    Top 3 Most Expensive Cities for Car Insurance in Oklahoma 

    CityAverage Annual Full Coverage Premium*
    Forest Park$2,187
    Valley Brook$2,169
    Turley$2,135

    * Data provided by Bankrate.com.

    Guide to Oklahoma Car Insurance 

    Oklahoma has fairly standard auto insurance laws. The state requires that drivers carry minimum liability insurance and that at-fault drivers in an accident accept all financial responsibility.

    Oklahoma Minimum Insurance Requirements

    Oklahoma requires that all drivers carry both bodily injury and property damage liability insurance.

    Minimum liability required in the state of Oklahoma is divided as follows:

    • $25,000 of bodily injury protection for one person
    • $50,000 of bodily injury protection for two or more people
    • $25,000 of property damage protection for one accident

    Oklahoma’s At-Fault Law

    Oklahoma is an at-fault car insurance state, which means that whichever driver causes an accident is responsible for all financial damages. The state’s minimum liability coverage ensures drivers will be able to pay for property damages and bodily injury to other drivers if they are found to be at-fault for an accident.

    Car Insurance Add-Ons That May Further Protect You 

    • Uninsured motorist: Oklahoma doesn’t require that drivers carry uninsured motorist coverage, but it does require that insurance companies offer it. This optional coverage protects drivers from financial losses if they are in an accident where the at-fault driver doesn’t have car insurance.
    • Gap coverage: This optional coverage protects you from financial losses in case you total your vehicle, and the insurance value is less than the remaining loan or lease.
    • Accident forgiveness: In most cases, you can expect your car insurance rates to increase after an accident. But this optional coverage ensures your rates don’t increase after just one accident.
    • Roadside assistance: Depending on your insurance company, this coverage may be an optional add-on or come standard with your policy. It provides roadside assistance if you find yourself stranded with a broken-down vehicle.

    Oklahoma Car Insurance FAQ 

    Methodology

    Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. 

    As for average pricing, we used Bankrate.com’s data of car insurance in Oklahoma, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:

    • $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 bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

    These are sample rates and should only be used for comparative purposes.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.