The Sooner State has approximately 2.5 million licensed drivers. In Oklahoma, the average cost of car insurance is $423 per year for minimum coverage and $1,873 per year for full coverage. It is less than the national average cost of car insurance, which is $565 per year for a minimum coverage policy and $1,674 per year for a full coverage policy.
While it is less expensive than the national average for car insurance, Oklahoma is the third-most dangerous state for car insurance, owing to the state's many hazards, which include tornadoes, floods, snow, and wildfires
With so many hazards on the road, it is critical that drivers are able to protect themselves with the appropriate coverage at the best possible price. Our methodological research compares coverage options, as well as price, availability, accessibility, customer satisfaction, and financial reliability, to find the cheapest car insurance in Oklahoma.
The cheapest auto insurance in Oklahoma
In Oklahoma, the average cost of car insurance is $390 per year for minimum coverage and $1,878 per year for full coverage. It is nearly $200 less than the national average cost of car insurance, which is $563 per year for a minimum coverage policy and $1,738 per year for a full coverage policy
With our recommendations for the cheapest car insurance in Oklahoma, you can save even more money on your car insurance.
Geico
Geico is one of the country's largest auto insurance providers, offering simple online quotes. Policyholders can also take advantage of a top-rated mobile app, 24/7 customer service, and in-person assistance at three Oklahoma locations: Lawton, Oklahoma City, and Tulsa. There is also emergency roadside assistance and rental car insurance, as well as the option to earn additional discounts when you bundle other Geico policies, such as motorcycle insurance, boat insurance, RV insurance, and classic car insurance. Geico offers a search tool to find special discounts based on your military, federal employee, medical, professional, or educational affiliation, in addition to its many other discounts.
USAA
When you combine your homeowners and renters insurance with USAA, you will receive a 10% discount. In addition to membership-based savings like family and loyalty discounts, there are discounts based on your driving and car. USAA provides all of the standard car insurance coverages, as well as the option for expanded coverage that includes emergency roadside assistance and personal injury protection (PIP). However, in order to take advantage of USAA's low rates and award-winning customer service, you must be an active-duty military member, a veteran, or a family member.
State Farm
State Farm offers numerous ways to save money on car insurance through programmes such as Drive Safe & Save and Steer Clear, which contribute to it being one of the cheapest car insurance companies in Oklahoma. Furthermore, State Farm is especially friendly to teen drivers and college students, offering up to 25% off auto insurance premiums if you get good grades. There are also options for additional coverage, such as rental car insurance and rideshare insurance. There are local agents available if you prefer one-on-one support, as well as a convenient mobile app if you prefer to manage your policy yourself.
Farmers
When you require specialised coverage, Farmers Insurance is the best option. It is clear that it does not provide gap insurance, but it does provide a slew of other benefits such as personal injury protection (PIP), loss of use, customised equipment, accident forgiveness, new car replacement coverage, and its Guaranteed ValueTM programme. With safe driving habits, you can save up to 30% off your premium if you download the Signal app.
Mercury General
Mercury is a smaller insurance company that only serves a few states, including Oklahoma. There are numerous ways to save money on Mercury car insurance, particularly if you use RealDrive® to track how many miles you drive. Mercury also offers policy savings such as an auto pay discount, a pay-in-full discount, and an e-signature discount when you sign your policy online, in addition to payment and bundle discounts. PIP and rental car coverage are available, with optional roadside assistance and ride-hailing coverage starting at less than $1 per day.
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