Progressive and USAA are the best companies for cheap car insurance in Oklahoma City, though not everyone can buy coverage from USAA.
Progressive’s average rate of $48 a month for a minimum-coverage policy is the cheapest auto insurance rate for most Oklahoma City drivers. USAA’s average rate here is $47 a month, but only members of the military and certain relatives qualify.
In this article
Where can I get cheap car insurance in Oklahoma City?
USAA has the cheapest car insurance in Oklahoma City, with an average rate of $47 a month, if you want a minimum-coverage policy and you’re affiliated with the military.
Oklahoma City drivers without ties to the military will find the cheapest auto insurance rates with Progressive, which charges an average of $48 a month for minimum coverage.
| Company | Monthly rate |
|---|---|
| USAA | $47 |
| Progressive | $48 |
| State Farm | $72 |
| Oklahoma Farm Bureau | $77 |
| Allstate | $82 |
| Farmers | $107 |
| Shelter | $113 |
| GEICO | $124 |
| City average | $84 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA is the best source for cheap full-coverage car insurance in Oklahoma City, too, with an average rate of $104 a month. Progressive’s average rate of $134 a month is the cheapest in the city for drivers who aren’t members of the military or eligible family members.
| Company | Monthly rate |
|---|---|
| USAA | $104 |
| Progressive | $134 |
| State Farm | $150 |
| Allstate | $158 |
| Oklahoma Farm Bureau | $161 |
| Farmers | $184 |
| Shelter | $213 |
| GEICO | $261 |
| City average | $171 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
To get your best rate on car insurance, compare quotes from several companies. If you live and drive in Oklahoma City, get and compare quotes from Allstate, Oklahoma Farm Bureau and State Farm as well as Progressive and USAA. All three companies offer average rates for minimum and full coverage that are cheaper than the city averages.
Minimum car insurance usually includes just bodily injury and property damage liability coverages.
Full-coverage car insurance, on the other hand, typically includes collision and comprehensive coverages as well as liability coverage. Oklahoma law doesn’t require full-coverage car insurance, but you might need to buy it anyway if you financed or leased your vehicle. Even if it’s not required, consider getting a full-coverage policy if your vehicle is new or expensive.
Get cheap car insurance in Oklahoma City
Cheapest car insurance for drivers with a DUI in Oklahoma City
Progressive has the cheapest car insurance in Oklahoma City for drivers with a DUI on their records, charging an average rate of $150 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $150 |
| USAA | $190 |
| Allstate | $206 |
| Farmers | $248 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA, Farmers and Allstate also offer full-coverage car insurance to drivers in Oklahoma City with a DUI that is cheaper than the city average of $260 a month.
Drivers with a DUI who want cheap car insurance often have to shop around, as companies charge higher rates after a DUI much like they do after an accident or speeding ticket.
Cheapest car insurance for drivers with tickets or accidents in Oklahoma City
Oklahoma Farm Bureau is the cheapest car insurance company for most Oklahoma City drivers with accidents or tickets on their records.
Oklahoma Farm Bureau’s average rate of $177 a month is the cheapest in the city for drivers with an accident on their records. Drivers who have ties to the military may find cheaper car insurance with USAA, which offers an average rate of $152 a month.
| Company | Monthly rate |
|---|---|
| USAA | $152 |
| Oklahoma Farm Bureau | $177 |
| State Farm | $199 |
| Progressive | $219 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm and Progressive both offer car insurance rates to Oklahoma City drivers after an accident that are cheaper than the city average of $263 a month.
Oklahoma Farm Bureau and USAA are the best companies for cheap car insurance with a speeding ticket in Oklahoma City, too.
USAA’s average rate of $131 a month is the cheapest in the city if you’re current or former military or an eligible relative. All other Oklahoma City drivers will find the cheapest car insurance with a speeding ticket from Oklahoma Farm Bureau, which has an average rate of $161 a month.
| Company | Monthly rate |
|---|---|
| USAA | $131 |
| Oklahoma Farm Bureau | $161 |
| Progressive | $171 |
| Allstate | $175 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
When comparing quotes from multiple companies in this situation, include Allstate and Progressive, both of which offer average rates that are cheaper than the Oklahoma City average of $214 a month.
Compare rates from top car insurance companies
Where can I get cheap auto insurance in Oklahoma City for teen drivers?
Oklahoma City teens with ties to the military will find the cheapest car insurance from USAA at an average cost of $119 a month.
Most drivers in Oklahoma City looking for cheap teen auto insurance should go to Allstate. Its average rate for minimum coverage is $240 a month. Although this is twice what USAA charges, it’s still cheaper than the city average rate of $278 a month.
| Company | Monthly rate |
|---|---|
| USAA | $119 |
| Allstate | $240 |
| State Farm | $252 |
| Oklahoma Farm Bureau | $252 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA has the cheapest auto insurance rates in Oklahoma City for teens who want a full-coverage policy, with an average rate of $264 a month.
| Company | Monthly rate |
|---|---|
| USAA | $264 |
| Oklahoma Farm Bureau | $500 |
| Allstate | $508 |
| State Farm | $523 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Most teen drivers in Oklahoma City will find the cheapest full-coverage car insurance with Oklahoma Farm Bureau or Allstate, though. Oklahoma Farm Bureau’s average rate for these teens is $500 a month, while Allstate’s is $508 a month. Both are cheaper than the city average of $569 a month.
Where can I get cheap auto insurance in Oklahoma City for senior drivers?
Progressive has the cheapest car insurance in Oklahoma City of $44 a month for senior drivers who want a minimum-coverage policy.
Oklahoma Farm Bureau, State Farm and USAA also offer cheap car insurance to these seniors, all with average rates that are cheaper than the city average of $80 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $44 |
| USAA | $50 |
| State Farm | $70 |
| Oklahoma Farm Bureau | $70 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Progressive offers the cheapest full-coverage car insurance rates to most Oklahoma City seniors at an average cost of $106 a month.
USAA’s average rate of $104 a month is even cheaper in this situation, but you need to be affiliated with the military to buy a policy from USAA.
| Company | Monthly rate |
|---|---|
| USAA | $104 |
| Progressive | $106 |
| State Farm | $138 |
| Oklahoma Farm Bureau | $143 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
You may have noticed that senior drivers in Oklahoma City pay the same or less than younger drivers for car insurance. This is common across the U.S. Seniors get cheap car insurance rates because of their experience on the road, generally speaking.
Oklahoma City car insurance requirements
State law requires all Oklahoma drivers to carry a minimum of 25/50/25 liability car insurance coverage. This means their policies must include at least:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage per accident
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Oklahoma City ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Oklahoma’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Oklahoma City
- Tulsa
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