MoneySaverCodes

Car Insurance in Oklahoma: 2026 Rates & Guide

Oklahoma is a mid-range state for car insurance. The average driver pays $135/month ($1620/year). Here's how to find the best rate for your situation.

$135

Avg Monthly

$1620

Avg Annual

#19

Cost Rank (1=priciest)

$102

Cheapest Option/mo

Advertisement

Cheapest Car Insurance Companies in Oklahoma (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Oklahoma — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$102/mo4.5Get Quote
2
GEICO
$108/mo4.3Get Quote
3
Progressive
$118/mo4.1Get Quote
4
Shelter Insurance
$98/mo4.5
5
Farmers
$128/mo4Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

Contains affiliate links — we may earn a commission at no cost to you.

Ready to get a quote?

Rates above are estimates — your actual quote may be lower. Takes 2 minutes.

State FarmGEICOProgressiveSee discount codes →

Oklahoma Car Insurance Requirements

Minimum Coverage: 25/50/25

Oklahoma is an at-fault state. The driver who causes an accident is financially responsible.

Oklahoma Insurance Facts

Oklahoma's location in "Tornado Alley" drives up comprehensive premiums — the state averages more tornadoes per square mile than any other.
Hailstorms cause significant vehicle damage in Oklahoma, making comprehensive coverage especially valuable.
Oklahoma City and Tulsa drivers pay more than rural areas, though the gap is smaller than in coastal cities.

Advertisement

How to Get Cheaper Car Insurance in Oklahoma

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Oklahoma — FAQs

What is the average cost of car insurance in Oklahoma?
The average car insurance cost in Oklahoma is $135 per month ($1620 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Oklahoma?
Oklahoma requires minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Oklahoma?
Based on our research, State Farm offers the lowest average rate in Oklahoma at around $102/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Oklahoma a no-fault car insurance state?
No, Oklahoma is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Oklahoma?
The most effective ways to lower your car insurance in Oklahoma include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

Advertisement

Explore Other States

Alabama$130Alaska$88Arizona$138Arkansas$126California$156Colorado$144Connecticut$162Delaware$178