Drivers in Oklahoma have a number of options when it comes to auto insurance. There are dozens of car insurance companies in the Sooner State, but it can be difficult to choose the best one for your situation. On top of that, each insurer has unique strengths, like affordable rates, excellent customer service, and generous discounts.
To help you find the best Oklahoma car insurance, our editorial team did some research and evaluated companies based on important features. See which Oklahoma auto insurance companies we consider to be some of the “best” and learn how each provider fares in terms of cost.
The 4 Best Car Insurance Companies in Oklahoma
To find the best car insurance companies in Oklahoma, we reviewed some of the top providers in the state using our unique methodology and compared them based on criteria like coverage options, discounts, third-party ratings, and cost. Then, we gave each insurer a superlative based on its standout feature. These are the best car insurance companies in Oklahoma, according to our evaluation:
- Best for Military-Centric Options: USAA
- Best for Low Rates: Geico
- Best for Optional Coverage: Farmers
- Best for Discounts: Progressive
Compare the Best Car Insurance Companies in Oklahoma
There are many reputable car insurance carriers in Oklahoma. However, there is no single best car insurance company that is the right option for every driver. We identified the “best” car insurance companies using our methodology and comparison process. When choosing a car insurance company, it’s always important for drivers to do their own research to choose a company that fits their specific needs.
| Average Annual Minimum Coverage Premium* | Average Annual Full Coverage Premium* | AM Best 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** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin USAA** | $263 | $1,224 | A++ | 879 | |
| Pin Geico | $240 | $970 | A++ | 847 | |
| Pin Farmers | $395 | $1,327 | A | 828 | |
| Pin Progressive | $454 | $1,834 | A+ | 820 |
Information accurate as of September 2022
*Premium data provided by Bankrate.com
**J.D. Power’s 2022 U.S. Auto Insurance Satisfaction Study for the Central region. Based on a 1,000-point scale. USAA is unofficially ranked, as it does not meet the study award criteria.
Best for Military-Centric Options
Why We Chose It
Why we chose it
Pros
- Affordable rates
- High customer satisfaction score
- Excellent discounts
Cons
- Only serves military personnel and family members
- Few add-on coverages
Other Policies Offered
- Homeowners insurance
- Motorcycle insurance
- RV insurance
- Classic car insurance
- Small business insurance
Standout Discounts Available
- Clean driving record discount
- Good student discount
- Family discount
- Military installation discount
- Safe vehicle discount
Best for Low Rates
Why We Chose It
Why we chose it
Pros
- Cheap average premiums
- Multiple discounts
- Good customer satisfaction score
Cons
- Few add-on coverages
- Doesn’t sell gap insurance
- Limited local agents
Other Policies Offered
- Homeowners insurance
- Renters insurance
- Flood insurance
- Collector auto insurance
- Travel insurance
Standout Discounts Available
- Good driver discount
- Defensive driver discount
- Military discount
- Federal employee discount
- Affinity group discount
Best for Optional Coverage
Why We Chose It
Why we chose it
Pros
- Add-on coverage options
- Multiple discounts
- Above-average claim satisfaction score
Cons
- Doesn’t sell gap insurance
- Below-average customer satisfaction score
Other Policies Offered
- Life insurance
- Business insurance
- Condo insurance
- Rideshare insurance
- Umbrella insurance
Standout Discounts Available
- Signal safe driver program
- Policy bundling discount
- Claim-free discount
Best for Discounts
Why We Chose It
Why we chose it
Pros
- Numerous discounts
- Online quote comparison tool
- Helpful online resources
- Large network of agents
Cons
- Few optional coverages
- Poor claim satisfaction score
- Rated below average for customer satisfaction
Other Policies Offered
- Renters insurance
- Homeowners insurance
- Snowmobile insurance
- Dental insurance
- Pet insurance
Standout Discounts Available
- Multi-policy discount
- Continuous insurance discount
- Teen driver discount
- Homeowner discount
- Pay in full discount
The Average Cost of Car Insurance in Oklahoma
Car insurance rates are different in every state. In Oklahoma, the average cost of car insurance is $1,902 per year for a full coverage policy and $408 per year for minimum coverage. For comparison, the national average cost of car insurance is $1,771 per year for full coverage and $545 per year for minimum coverage. However, car insurance premiums are unique to each individual based on a variety of personal factors.
Top 3 Cheapest Car Insurance Companies in Oklahoma
| Company | Average Annual Full Coverage Premium* |
| Geico | $970 |
| USAA | $1,224 |
| Farmers | $1,327 |
*Data from Bankrate.com
Top 3 Most Expensive Car Insurance Companies in Oklahoma
| Company | Average Annual Full Coverage Premium* |
| Equity Insurance Company | $3,234 |
| Safe Auto | $2,701 |
| Allstate | $2,604 |
*Data from Bankrate.com
Key Things to Know About Car Insurance in Oklahoma
Oklahoma drivers often face expensive car insurance premiums partly due to severe weather risks. Tornadoes, flash floods, wildfires, and extreme heat can pose risks to drivers and their vehicles. Therefore, car insurance in Oklahoma is generally more expensive than the national average rate. However, drivers can find more affordable rates by shopping around and getting multiple price quotes.
Oklahoma Car Insurance Requirements
Car insurance is a legal requirement in Oklahoma. If you own a vehicle, you must have car insurance to register the vehicle and legally drive. At a minimum, drivers in Oklahoma must carry personal liability insurance, which includes bodily injury and property damage coverage. These policies take effect when you cause an accident, and the other party has losses, like vehicle damages or injuries.
In addition, Oklahoma drivers must carry a minimum amount of liability insurance. Here are the minimum coverage requirements in the Sooner State:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Uninsured and underinsured motorist coverages must be offered but can be declined in writing by the policyholder.
Car Insurance Coverage Options
Many drivers in Oklahoma may benefit from adding optional coverages to their policy. These coverages usually raise your premium, but provide higher levels of protection. Here are some optional coverages to consider:
- Roadside assistance: Roadside assistance pays for basic roadside repairs or services, like flat tire changes, fuel delivery, battery replacement, and towing up to a certain mileage.
- New car replacement: If your car is totaled in a covered loss, new car replacement will reimburse you for the cost of a new vehicle of similar make and model to your old one.
- Gap insurance: If you lease or finance a new car, and your car gets totaled, gap insurance pays the difference between your car’s diminished value and the amount of money you still owe on the loan.
Frequently Asked Questions
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 2022 data of car insurance in Oklahoma based on the profiles of a 40-year male and female. Rates are weighted based on the population density in each geographic region. 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 2020 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
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
