Written by Ben Moore
Assistant Managing Editor
Updated
Fact CheckedNerdy takeaways
- Progressive offers the cheapest full coverage in Oklahoma, with an average rate of $1,709 per year according to NerdWallet's May 2026 analysis.
- Full coverage in Oklahoma costs an average of $2,528 per year or $211 per month.
- If you want the cheapest policy possible, get minimum coverage. The cheapest cost of minimum coverage in Oklahoma is $464 per year, or $39 per month.
Auto insurance is an important purchase, but finding cheap car insurance isn't always easy. NerdWallet found some of the cheapest car insurance rates available in Oklahoma to help you compare rates and give a more useful start for your coverage.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Keep reading to find the cheapest car insurance in Oklahoma for different driver profiles and coverage types among:
Cheap car insurance in Oklahoma
Here's the cheapest full coverage in Oklahoma for 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Progressive | $1,709 |
| After a DUI | Progressive | $2,046 |
| After an accident | American Farmers & Ranchers | $1,952 |
| After a speeding ticket | Progressive | $2,271 |
| Having poor credit | Progressive | $2,752 |
The cheapest car insurance company in Oklahoma is Progressive at $1,709 per year on average, or $142 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Oklahoma. Meanwhile, the average cost of full coverage car insurance in Oklahoma is $2,528 per year, or about $211 per month.
Minimum coverage in Oklahoma is $464 per year on average, but we found you can likely get it for less. For example, American Farmers & Ranchers offers the cheapest minimum coverage rates in Oklahoma at $270 per year, on average, for a 35-year-old driver with a clean driving record.
If you're looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest Oklahoma cities, including:
Oklahoma City
How we chose the cheapest companies in Oklahoma
NerdWallet's editorial team analyzed car insurance rates from 10 auto insurers in Oklahoma and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2023 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Oklahoma. For full coverage, we used the below coverage limits:
- $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 coverage per person
- $300,000 uninsured motorist coverage per accident
- Collision coverage with a $1,000 deductible
- Comprehensive coverage with a $1,000 deductible
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you.
Cheap auto insurance in Oklahoma for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to keep an eye on these companies.
Cheapest full coverage car insurance in Oklahoma for 20-year-olds
Drivers with a clean driving record may need to consider the following companies, which had the lowest average rates:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $215 |
| Progressive | 4.5/5 | $229 |
| GEICO | 5.0/5 | $360 |
| State Farm | 4.5/5 | $448 |
| Shelter | 4.7/5 | $482 |
Cheapest minimum coverage car insurance in Oklahoma for 20-year-olds
Drivers in Oklahoma who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $39 |
| Progressive | 4.8/5 | $61 |
| GEICO | 5.0/5 | $71 |
| Mercury | 4.5/5 | $73 |
| State Farm | 4.5/5 | $89 |
Cheapest car insurance in Oklahoma for 20-year-olds with poor credit
Drivers with poor credit in Oklahoma should look at the following insurers with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $60 |
| Progressive | 4.8/5 | $85 |
| GEICO | 5.0/5 | $91 |
| Mercury | 4.5/5 | $134 |
| Shelter | 4.7/5 | $150 |
Cheapest car insurance in Oklahoma for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Oklahoma, here are the companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $54 |
| Progressive | 4.8/5 | $70 |
| Mercury | 4.5/5 | $82 |
| State Farm | 4.8/5 | $102 |
| GEICO | 5.0/5 | $119 |
Cheapest car insurance in Oklahoma for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Oklahoma, here are the companies with the lowest average rates for minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $39 |
| Progressive | 4.8/5 | $73 |
| Mercury | 4.5/5 | $80 |
| GEICO | 5.0/5 | $101 |
| State Farm | 4.8/5 | $134 |
Cheapest car insurance in Oklahoma for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Progressive | 4.8/5 | $67 |
| Mercury | 4.5/5 | $79 |
| American Farmers & Ranchers | 3.8/5 | $91 |
| State Farm | 4.8/5 | $134 |
| GEICO | 5.0/5 | $145 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheap auto insurance in Oklahoma for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Oklahoma for 70-year-olds
Drivers in Oklahoma with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Progressive | 4.8/5 | $52 |
| Shelter | 4.7/5 | $66 |
| American Farmers & Ranchers | 3.8/5 | $67 |
| GEICO | 5.0/5 | $98 |
| State Farm | 4.8/5 | $98 |
Cheapest minimum coverage car insurance in Oklahoma for 70-year-olds
Drivers in Oklahoma who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $24 |
| State Farm | 4.8/5 | $31 |
| Mercury | 4.5/5 | $32 |
| GEICO | 5.0/5 | $33 |
| Shelter | 4.7/5 | $34 |
Cheapest car insurance in Oklahoma for 70-year-olds with poor credit
Drivers with poor credit in Oklahoma can look at the following companies with the lowest average rates for minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $37 |
| GEICO | 5.0/5 | $45 |
| Mercury | 4.5/5 | $48 |
| Shelter | 4.7/5 | $49 |
| Progressive | 4.8/5 | $50 |
Cheapest car insurance in Oklahoma for 70-year-olds with one speeding ticket
For drivers with a recent speeding ticket in Oklahoma, here are the companies with the lowest average rates for minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $36 |
| State Farm | 4.8/5 | $36 |
| Shelter | 4.7/5 | $44 |
| Progressive | 4.8/5 | $46 |
| Mercury | 4.5/5 | $53 |
Cheapest car insurance in Oklahoma for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in Oklahoma, here are the companies with the lowest average rates for minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| American Farmers & Ranchers | 3.8/5 | $24 |
| State Farm | 4.8/5 | $40 |
| Shelter | 4.7/5 | $52 |
| Progressive | 4.8/5 | $52 |
| Oklahoma Farm Bureau | Not rated | $60 |
Cheapest car insurance in Oklahoma for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is from the following companies, shown with their average rates for minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Progressive | 4.8/5 | $43 |
| State Farm | 4.8/5 | $47 |
| Mercury | 4.5/5 | $47 |
| Shelter | 4.7/5 | $59 |
| American Farmers & Ranchers | 3.8/5 | $73 |
Cheapest car insurance for military families in Oklahoma
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 64 of the 70 driver profiles we examined.
MORE: Best car insurance for veterans and military
Minimum car insurance limits required in Oklahoma
Oklahoma car insurance policies must include liability insurance, which helps pay for others' property repairs or injury treatment if you cause an accident.
The minimum amounts your policy must include are:
- $25,000 bodily injury liability per person.
- $50,000 bodily injury liability per accident.
- $25,000 property damage liability per incident.
While this is enough to drive legally, you may want more than the bare minimum. Check out NerdWallet's guide to minimum car insurance requirements by state for details on other coverages you can add and how their limits work.
MORE: The best insurance companies in Oklahoma
Alternative car insurance in Oklahoma
If poor credit, a spotty driving record or other factors are preventing you from getting auto insurance on the voluntary market, you may qualify for coverage through the Oklahoma Automobile Insurance Plan.
NerdWallet can also help you find cheap car insurance in Oklahoma. Use our car insurance comparison tool to see rates from top companies.
Methodology
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 0-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
- $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 coverage per person.
- $300,000 uninsured motorist coverage per accident.
- Collision coverage with a $1,000 deductible.
- Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer's discretion.
We used a 2023 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
- For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
- We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
- For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
- For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices or no longer issue new policies in your state.
Dive Even Deeper in Insurance
The Best Car Insurance Companies of 2026
Travelers is the best car insurance company in the nation, according to NerdWallet's analysis. American Family, Auto-Owners, State Farm and USAA also made our list.
Cheap Car Insurance
The companies with the cheapest car insurance won't be the same for every driver. To find the cheapest car insurance, get quotes from a few insurers.