Cheap Auto Insurance in Oklahoma — Compare & Save Up to 40%

Average Oklahoma driver pays $190/mo for full coverage. The cheapest carrier is GEICO at $144/mo. Compare 5+ companies in 90 seconds.

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Cheapest Auto Insurance Companies in Oklahoma (2026)

We compared full coverage rates from the top auto insurance companies in Oklahoma. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$864	$144/mo
Oklahoma Farm Bureau	$924	$154/mo
Progressive	$972	$162/mo
State Farm	$1,068	$178/mo
Allstate	$1,296	$216/mo

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

What You Should Know About Oklahoma Auto Insurance

Oklahoma requires minimum liability coverage of 25/50/25.
The average full-coverage premium in Oklahoma is $2,280/year.
Oklahoma uses a at-fault/tort insurance system.
Approximately 14% of Oklahoma drivers are uninsured.
Oklahoma drivers face weather-related risks including tornadoes, severe thunderstorms, hail, ice storms, flooding.
Liability-only coverage in Oklahoma averages $580/year.

For complete Oklahoma auto insurance laws and requirements, visit the Oklahoma Insurance Department. For vehicle registration and licensing, visit the Oklahoma Motor Vehicle Division.

Full Coverage vs. Liability in Oklahoma

Full coverage in Oklahoma averages $190/month, while liability-only coverage averages $48/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 14% of Oklahoma drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Auto Insurance Rates by City in Oklahoma

Where you live in Oklahoma significantly affects your premium. Click your city for local rate comparisons:

📍 Oklahoma City, OK — $2,530/yr› 📍 Tulsa, OK — $2,531/yr› 📍 Norman, OK — $2,395/yr› 📍 Broken Arrow, OK — $2,275/yr› 📍 Edmond, OK — $2,158/yr› 📍 Lawton, OK — $2,145/yr› 📍 Moore, OK — $2,274/yr› 📍 Midwest City, OK — $2,194/yr› 📍 Enid, OK — $2,217/yr› 📍 Stillwater, OK — $2,068/yr› 📍 Owasso, OK — $2,075/yr› 📍 Bartlesville, OK — $2,077/yr› 📍 Muskogee, OK — $2,148/yr› 📍 Shawnee, OK — $2,188/yr› 📍 Bixby, OK — $2,194/yr› 📍 Jenks, OK — $2,189/yr› 📍 Ardmore, OK — $2,142/yr› 📍 Ponca City, OK — $2,081/yr› 📍 Yukon, OK — $2,047/yr› 📍 Duncan, OK — $2,133/yr› 📍 Sapulpa, OK — $1,957/yr› 📍 Del City, OK — $2,116/yr› 📍 Bethany, OK — $2,112/yr› 📍 Mustang, OK — $1,990/yr› 📍 Sand Springs, OK — $2,028/yr› 📍 Claremore, OK — $2,101/yr› 📍 Altus, OK — $1,969/yr› 📍 Durant, OK — $2,085/yr› 📍 McAlester, OK — $2,084/yr› 📍 El Reno, OK — $1,959/yr› 📍 Ada, OK — $2,054/yr› 📍 Tahlequah, OK — $2,073/yr› 📍 Chickasha, OK — $2,060/yr› 📍 Glenpool, OK — $2,137/yr› 📍 Miami, OK — $2,059/yr› 📍 Guymon, OK — $2,034/yr› 📍 Choctaw, OK — $2,069/yr› 📍 Woodward, OK — $2,084/yr› 📍 Weatherford, OK — $2,061/yr› 📍 Elk City, OK — $1,959/yr› 📍 Okmulgee, OK — $1,977/yr› 📍 Newcastle, OK — $1,966/yr› 📍 Guthrie, OK — $1,983/yr› 📍 Warr Acres, OK — $1,966/yr›

Oklahoma Auto Insurance FAQ

Who has the cheapest car insurance in Oklahoma?

Based on our 2026 analysis, GEICO offers the cheapest full coverage in Oklahoma at $144/month. However, rates vary significantly by driver — comparing quotes from multiple carriers is the best way to find your lowest rate.

How much is car insurance in Oklahoma?

The average cost of full coverage auto insurance in Oklahoma is $190/month or $2,280/year. Liability-only coverage averages $48/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.

What is the minimum car insurance required in Oklahoma?

Oklahoma requires minimum liability limits of 25/50/25 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured — most experts recommend at least 50/100/50.

How can I save on auto insurance in Oklahoma?

The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.

Does Oklahoma have a lot of uninsured drivers?

Approximately 14% of Oklahoma drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Oklahoma Insurance Department — official state insurance regulator for Oklahoma.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Oklahoma Motor Vehicle Division — Oklahoma vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

Cheap Auto Insurance in Oklahoma — Compare & Save Up to 40%

Cheapest Auto Insurance Companies in Oklahoma (2026)

Oklahoma Auto Insurance at a Glance

🎖️ Compare Oklahoma Auto Insurance Rates Now

What You Should Know About Oklahoma Auto Insurance

Full Coverage vs. Liability in Oklahoma

Oklahoma Auto Insurance Guides

Auto Insurance Rates by City in Oklahoma

Oklahoma Auto Insurance FAQ

Sources & Methodology

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