Cheap Oklahoma Auto Insurance in 2024 (Secure Low Rates With These 10 Companies)

Progressive, State Farm, and Travelers are the top insurers offering cheap Oklahoma auto insurance with a wide range of coverage options at affordable prices. Drivers can save money on their coverage by looking into these companies.

In this section, we’ll briefly review Oklahoma’s vehicle insurance regulations and requirements, and how drivers can maximize their coverage by understanding auto insurance and being aware of them.

Our Top 10 Company Picks: Cheap Oklahoma Auto Insurance

Make sure you compare prices before purchasing Oklahoma vehicle insurance.

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#1 – USAA: Top Overall Pick

Pros

• Low Rates for Military Families: USAA offers monthly rates as low as $22, making it the most affordable option for military members and their families. These low rates are combined with a 20% good driver discount, providing cheap Oklahoma auto insurance. Explore more through our USAA auto insurance review.
• Excellent Customer Service: USAA consistently ranks high in customer satisfaction, particularly in claims handling. They offer personalized service that understands the unique needs of military personnel, making it appealing for those seeking cheap Oklahoma auto insurance.
• Comprehensive Coverage Options: USAA provides a wide range of coverage options, including accident forgiveness and comprehensive coverage tailored to military families. These options ensure robust protection while still offering cheap Oklahoma auto insurance.

Cons:

• Limited Eligibility: USAA is only available to military members, veterans, and their families, limiting access to this top-tier insurance provider. This exclusivity may exclude many potential customers looking for cheap Oklahoma auto insurance.
• Fewer Physical Locations: USAA has fewer branches compared to other major insurers, which might inconvenience those who prefer in-person services. This could be a drawback for those seeking cheap Oklahoma auto insurance with local service options.

#2 – State Farm: Best for Customer Service

Pros

• Extensive Agent Network: State Farm has a vast network of local agents, offering personalized service across the country. This accessibility allows customers to have face-to-face interactions, which can be reassuring for those seeking cheap Oklahoma auto insurance.
• Competitive Discounts: State Farm offers a 15% good driver discount, alongside various other discounts such as for safe driving and policy bundling. Check out our page on State Farm insurance review to see alternative coverage.
• Reliable Claims Service: State Farm is known for its smooth and efficient claims process, ensuring that customers are well taken care of in times of need. Their customer service is a key reason for their high ranking among those looking for cheap Oklahoma auto insurance.

Cons

• Higher Premiums for Some Drivers: While State Farm offers competitive rates, drivers with less-than-perfect records may face higher premiums. The monthly rate of $29 could increase significantly for high-risk drivers, making it harder to find cheap Oklahoma auto insurance.
• Limited Online Features: Some services require agent interaction, meaning not all processes can be completed online. This might be a drawback for customers who prefer a fully digital experience when searching for cheap Oklahoma auto insurance.

#3 – Travelers: Best for Bundling Policies

Pros

• Customizable Coverage: Travelers offers a variety of optional coverages, including gap insurance and accident forgiveness. Their $34 monthly rate is complemented by a 10% good driver discount, providing options for cheap Oklahoma auto insurance.
• Discounts for Bundling Policies: Travelers is best known for bundling discounts, offering significant savings when combining auto insurance with home or other policies. This makes them ideal for customers looking for cheap Oklahoma auto insurance.
• Strong Claims Management: Travelers has a reputation for efficient claims processing, ensuring that customers’ needs are met promptly. Their reliable service is a key factor in their high ranking, our complete Travelers insurance review goes over this in more detail.

Cons

• Limited Mobile App Features: While Travelers provides a mobile app, it lacks some advanced features compared to competitors. This might limit the convenience for users who rely heavily on mobile technology and want cheap Oklahoma auto insurance with full digital support.
• Higher Rates for Single Policies: Travelers can be more expensive if you’re only purchasing auto insurance without bundling. The $34/mo rate may not be as competitive without the added discounts, which affect those seeking cheap Oklahoma auto insurance for a single policy.

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#4 – Geico: Best for Many Discounts

Pros

• Low Base Rates: GEICO is known for offering some of the lowest rates in the industry, with a monthly rate of $35. This affordability is further enhanced by a generous 22% good driver discount, making it a strong option for cheap Oklahoma auto insurance.
• Strong Online Platform: GEICO’s robust and user-friendly website and mobile app make managing your policy simple and convenient. Their digital tools are among the best in the industry, providing ease of access for those seeking cheap Oklahoma auto insurance.
• Wide Range of Discounts: GEICO provides numerous discounts for vehicle safety features, defensive driving courses, and more. Their discount variety makes them especially attractive to cost-conscious consumers looking for cheap Oklahoma auto insurance.

Cons

• Limited Local Agents: GEICO has fewer opportunities for in-person service compared to competitors with extensive agent networks. This is a drawback for those who prefer personal interactions when securing cheap Oklahoma auto insurance. Find out more in Geico auto insurance review.
• Potential for Rate Increases: Premiums can increase significantly after an accident or claim, which could diminish the initial savings from their low rates. Customers should be aware of potential cost hikes when considering cheap Oklahoma auto insurance.

#5 – Progressive: Best for UBI Discount

Pros

• Name Your Price Tool: Progressive allows customers to tailor their coverage to fit their budget with the Name Your Price tool. Their $36 monthly rate is attractive, especially with a 10% good driver discount, making it a good option for cheap Oklahoma auto insurance.
• Snapshot Program: Progressive’s UBI (Usage-Based Insurance) discount program rewards good driving habits with additional savings. This can lead to lower rates for drivers who participate, making it easier to find cheap Oklahoma auto insurance.
• Comprehensive Online Resources: Progressive has a strong online presence with plenty of tools for quotes and managing policies. Their website is designed for accessibility, catering to those seeking cheap Oklahoma auto insurance with convenient online management.

Cons

• Inconsistent Customer Service: Customer service experiences with Progressive can vary, with some customers reporting less satisfactory interactions. This inconsistency might affect overall satisfaction for those seeking cheap Oklahoma auto insurance.
• Higher Rates for High-Risk Drivers: Progressive tends to charge more for drivers with poor records, which could make their $36/mo rate for those with a blemished driving history who are looking for cheap Oklahoma auto insurance. Read up on the Progressive auto insurance review for more information.

#6 – American Family Insurance: Best for Claims Service

Pros

• Strong Customer Support: American Family is known for personalized and attentive customer service, which is a key reason for their high ranking. Their focus on customer satisfaction is reflected in their strong claims service, making them a reliable choice for cheap Oklahoma auto insurance.
• MyAmFam App: The MyAmFam app offers a robust platform for managing policies and accessing support, making it easy for customers to handle their insurance needs on the go. This digital tool enhances the user experience for those seeking cheap Oklahoma auto insurance.
• Generous Discounts: American Family provides numerous discounts, including a 13% good driver discount. Their variety of savings options makes their $38 monthly rate more affordable, appealing to customers in search of cheap Oklahoma auto insurance.

Cons

• Limited Availability: American Family is not available in all states. Their coverage area might restrict access to their services, affecting those seeking cheap Oklahoma auto insurance in regions they don’t serve. Find out more information in our Geico auto insurance review.
• Higher Rates for Young Drivers: Premiums can be more expensive for teenagers and young adults, which could make their $38 monthly rate less appealing to younger customers searching for cheap Oklahoma auto insurance.

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#7 – Nationwide: Best for SmartRide Program

Pros

• On Your Side Review: Nationwide provides personalized annual reviews to ensure you have the right coverage, helping customers stay informed and protected. This supports their reputation for strong customer service, which is vital for those seeking cheap Oklahoma auto insurance.
• Vanishing Deductible: Nationwide offers a reduction in your deductible for every year of safe driving. This benefit adds value to their $40 monthly rate, making them an attractive option for cheap Oklahoma auto insurance.  Look for more details through our Nationwide insurance review
• SmartRide Program: Nationwide’s UBI program rewards safe driving with discounts, providing additional savings opportunities. This program can significantly reduce costs, making it easier to secure cheap Oklahoma auto insurance.

Cons

• Higher Rates for Single Policies: If you’re not bundling multiple policies, Nationwide’s rates can be higher, which might make their $40 monthly rate less competitive. This could be a disadvantage for customers seeking cheap Oklahoma auto insurance without bundling.
• Mixed Customer Service Reviews: Some customers report varying experiences with Nationwide’s customer service, which could impact satisfaction. This inconsistency might be a concern for those looking for cheap Oklahoma auto insurance with reliable support.

#8 – Farmers Insurance: Best for Discount Variety

Pros

• Extensive Coverage Options: Farmers offers a wide range of coverage options, including unique add-ons like rideshare insurance. This flexibility is beneficial for those seeking cheap Oklahoma auto insurance that can be customized to their needs.
• Discount Variety: Farmers provides various discounts, such as multi-policy and safe driver discounts, to help lower premiums. Their $44 monthly rate becomes more appealing with these savings, making them a viable choice for cheap Oklahoma auto insurance.
• Strong Customer Service: Farmers is known for good customer service and responsive claims handling. This reliable support is crucial for customers looking for cheap Oklahoma auto insurance with dependable service. Check out our review of Farmers auto insurance to learn more.

Cons

• Higher Premiums for High-Risk Drivers: Farmers tend to charge more for drivers with poor records, making their $44 monthly rate less competitive for some. This could be a concern for high-risk drivers seeking cheap Oklahoma auto insurance.
• Limited Availability in Some Areas: Farmers is not available in all regions, which may limit access for some customers. This could be a drawback for those searching for cheap Oklahoma auto insurance in areas where Farmers don’t operate.

#9 – Allstate: Best for Multi-Policies

Pros

• Comprehensive Coverage Options: Allstate offers a wide range of coverage, including custom parts coverage and sound system insurance. Their extensive options reflect their commitment to flexibility, making them a strong contender for cheap Oklahoma auto insurance.
• Strong Financial Stability: Allstate’s solid financial standing ensures reliability in claim payments, offering peace of mind to policyholders. This stability is the reason for their continued success, appealing to those seeking cheap Oklahoma auto insurance with a trustworthy provider.
• Drivewise Program: Allstate’s telematics program rewards safe driving habits, providing potential savings for customers who participate. This program complements their $45 monthly rate, making them an attractive option for cheap Oklahoma auto insurance.

Cons:

• Higher Premiums: Allstate is often more expensive than other providers, especially for young drivers and those with less-than-perfect records. Their $45 monthly rate could be a barrier for cost-conscious customers seeking cheap Oklahoma auto insurance.
• Mixed Customer Service Reviews: Some customers report inconsistent experiences with customer support. This inconsistency might be a concern for potential policyholders looking for cheap Oklahoma auto insurance.  Discover more through our Allstate insurance review.

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#10 – Liberty Mutual: Best for Affinity Discounts

Pros

• Flexible Coverage Options: Liberty Mutual allows for customizable policies with add-ons like roadside assistance and rental car reimbursement. Their $60 monthly rate can be tailored to fit individual needs, making them a versatile choice for cheap Oklahoma auto insurance.
• New Car Replacement: Liberty Mutual replaces your new car with the same model if totaled within the first year. This benefit adds significant value to their coverage, appealing to those seeking cheap Oklahoma auto insurance with comprehensive benefits.
• User-Friendly Mobile App: Liberty Mutual offers an easy-to-use app for managing your policy and filing claims. Their digital tools are well-regarded in the industry, catering to tech-savvy consumers looking for cheap Oklahoma auto insurance. Uncover more through Liberty Mutual auto insurance review.

Cons

• Higher Rates for Certain Drivers: Liberty Mutual can be costly for younger drivers and those with less-than-perfect driving records, with a $60 monthly rate that might be prohibitive for some. Their higher premiums could be a drawback for customers seeking cheap Oklahoma auto insurance.
• Mixed Reviews on Claims Process: Some customers report issues with claims handling, which could impact overall satisfaction. This inconsistency might deter potential customers looking for cheap Oklahoma auto insurance with reliable claims service.

Oklahoma Requirements for Auto Insurance

Oklahoma requires drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage.

Oklahoma Auto Insurance Monthly Rates by Coverage Level & Provider

Optional coverages include comprehensive, collision, medical payments, rental car reimbursement, and uninsured/underinsured motorist coverage.

Oklahoma follows a tort auto insurance system, meaning the at-fault driver’s insurance covers costs like medical treatment and property damage after an accident.

These state-mandated coverages ensure drivers have essential protection, with bodily injury liability covering medical expenses and property damage liability covering damages caused in a crash.

Auto Insurance Costs in Oklahoma

Oklahoma’s average auto insurance rates, though lower than their 2010 peak, remain above the national average. Statewide, drivers pay about $127 monthly, compared to the national average of $119.

Insurance costs are higher in major cities, with Tulsa averaging $160 and Oklahoma City at about $150. For additional information on city rate fluctuations, see our article on why are auto insurance rates higher in some ZIP codes.

Factors like age, gender, and driving record significantly influence rates, making it essential to compare quotes from different providers to find the best deal. Instantly compare quotes by entering your ZIP code below.

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Comparing Auto Insurance Rates in Oklahoma by Company

While Oklahoma is known for having generally low auto insurance rates, it’s important to understand that these rates can still vary significantly depending on the provider. Different companies offer varying prices, discounts, and coverage options that affect your policy’s overall cost.

To get a clearer picture of what you might pay, let’s explore how rates differ among some of the largest insurance companies operating in Oklahoma. These companies not only offer some of the most competitive rates but also hold substantial market share in the region.

Understanding which companies dominate the market can help drivers make informed decisions when comparing quotes to find the reliable and most affordable auto insurance in Oklahoma.

Comprehensive Driving Statistics for Oklahoma

Oklahoma’s driving statistics show improvement, with crash rates and auto thefts both decreasing in recent years. In 2009, there were 71,218 crashes and 646 fatalities, down from 2008 figures.

Auto thefts also dropped by 5%, from 10,929 to 10,404. Enhanced enforcement and the increased use of anti-theft recovery systems are key factors in these positive trends.

Tips for Securing Cheap Auto Insurance in Oklahoma

Securing cheap Oklahoma auto insurance is possible by taking a strategic approach to compare rates and understanding the type of auto insurance coverage.

With prices as low as $22 per month from providers like Travelers, USAA, and State Farm, drivers in Oklahoma have access to affordable insurance choices without compromising on quality.

It is crucial to compare quotes from multiple companies to find the most cost-effective policy that meets your specific needs.

By considering factors such as customer service, discounts, bundling options, and additional programs like usage-based insurance or safe driver rewards, you can maximize your savings while ensuring comprehensive coverage.

Remember, every driver’s situation is unique, so regularly reviewing your policy and shopping around for better rates can lead to significant savings on your auto insurance in Oklahoma. To find cheap Oklahoma auto insurance that fits your needs and budget, enter your ZIP code here.

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