Cheapest Car Insurance in Oklahoma
Numbers refreshed
Oklahoma publishes rates for some insurers, and those insurers are ranked by price. You'll also find ways to cut your own bill.
- $51.what the legal minimum costs on average each month.
- 25/50/25.the lowest liability limits you can carry.
- Among the 51 states, prices rank 23rd, with the most expensive counted as 1st.
For an adult with a clean record, the lowest rates in Oklahoma
The state's own pricing applies to this profile: a married male, 36, principal operator, an 18-mile round-trip commute, 12,000 mi/yr, no accidents and no violations over 3 years, 2018 Chevrolet Malibu LS, 25/50/25 plus comp and collision with a $500 deductible.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | GEICO | $782 | $65 |
| 2 | Safeco Insurance Co. of America | $1,108 | $92 |
| 3 | USAA | $1,384 | $115 |
| 4 | USAA | $1,452 | $121 |
| 5 | Garrison Property & Casualty Insurance Co. | $1,572 | $131 |
| 6 | Shelter Mutual Insurance Co. | $1,646 | $137 |
| 7 | Farmers Insurance | $1,684 | $140 |
| 8 | USAA | $1,802 | $150 |
| 9 | Progressive | $2,012 | $168 |
| 10 | Progressive | $2,066 | $172 |
Source: Oklahoma Insurance Department: Auto Insurance Rate Comparison (Updated September 2026).
Cheapest in Oklahoma if you're a young driver
The state priced this profile: a single male, 16, listed as the main driver, commuting to school, a clean record for 3 years with no accidents or violations, under 7,500 mi/yr, a 2018 Chevrolet Malibu LS, 25/50/25 plus comp/coll and a $500 deductible.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | State Farm | $2,316 | $193 |
| 2 | State Farm | $3,156 | $263 |
| 3 | GEICO | $4,130 | $344 |
| 4 | Safeco Insurance Co. of America | $4,444 | $370 |
| 5 | Shelter Mutual Insurance Co. | $5,182 | $432 |
| 6 | American Farmers & Ranchers Mutual Ins. Co. | $6,134 | $511 |
| 7 | USAA | $6,640 | $553 |
| 8 | USAA | $6,918 | $576 |
| 9 | Garrison Property & Casualty Insurance Co. | $7,804 | $650 |
| 10 | Standard Fire Ins. Co. | $7,986 | $666 |
Source: Oklahoma Insurance Department: Auto Insurance Rate Comparison (Updated September 2026).
How to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $838 a year on the Oklahoma average.
- Raise your deductible; what you save each year often beats the extra one claim would cost you.
- Ask for each discount by name: safe-driving apps, good student, paying in full, bundling home and auto, multi-car.
- At each renewal, compare prices again. A rise in your price doesn't mean other companies rose too.
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