Cheap Car Insurance in Oklahoma for 2024 (Check Out the Top 10 Companies)

Cheapest in Oklahoma: State Farm

17,759 reviews

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4.1

Table of Contents

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Company Facts

Min. Coverage in Oklahoma

$29/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• Excellent customer service
• Wide range of insurance coverage options
• Financially strong

• State Farm insurance rates are slightly higher than the national average
• Weak international presence
• State Farm claims process can be slow

» State Farm Car Insurance Review

17,759 reviews

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2nd Cheapest in Oklahoma: Travelers

1,731 reviews

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4.1

Company Facts

Min. Coverage in Oklahoma

$34/mo

A.M. Best Rating

A++

Complaint Level

Low

» Travelers Car Insurance Review

1,731 reviews

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3rd Cheapest in Oklahoma: Geico

19,116 reviews

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4.1

Company Facts

Min. Coverage in Oklahoma

$35/mo

A.M. Best Rating

A++

Complaint Level

Low

» Geico Car Insurance Review

19,116 reviews

Compare Rates →

State Farm, Travelers, and Geico are top providers for  cheap car insurance in Oklahoma, thanks to their competitive pricing starting at $29 per month and variety of discounts.

If you are a driver in Oklahoma, it is important to have a good understanding of car insurance. In this article, we will explore the basics of car insurance, the minimum insurance requirements in Oklahoma, and the factors that affect car insurance rates in the state.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$29	B	Local Agents	State Farm
	#2	$34	A++	Financial Standing	Travelers
	#3	$35	A++	Extensive Discounts	Geico
	#4	$36	A+	Competitive Rates	Progressive
	#5	$37	A+	Specialized Programs	The Hartford
	#6	$38	A	Flexible Coverage	American Family
	#7	$40	A+	Vanishing Deductible	Nationwide
	#8	$43	A+	Comprehensive Coverage	Allstate
	#9	$44	A+	Customizable Policies	Farmers
	#10	$60	A	Multi-Policy Discount	Liberty Mutual

We will also provide you with tips on how to find cheap car insurance and give a review of some of the top cheap car insurance providers in Oklahoma. Start comparing your quotes by entering your ZIP code on our tool above.

#1 – State Farm: Top Overall Pick

Pros

• Competitive Rates: State Farm offers some of the most competitive premiums for cheap car insurance in Oklahoma, starting at just $29 per month, making it accessible for many drivers.
• Strong Customer Support: Known for its reliable customer service, State Farm helps drivers navigate their policies effectively, an essential feature for those seeking cheap car insurance in Oklahoma.
• User-Friendly Online Tools: Their mobile app and online platform make it easy to manage policies and file claims, catering to tech-savvy drivers looking for cheap car insurance in Oklahoma.

Cons

• Mixed Customer Satisfaction Ratings: Despite their offerings, State Farm has been noted for variable customer satisfaction, raising concerns for those seeking dependable cheap car insurance in Oklahoma.
• Limited Coverage Options for High-Risk Drivers: Drivers with a poor history may find fewer tailored options at State Farm, limiting their choices for cheap car insurance in Oklahoma.

#2 – Travelers: Best for Financial Standing

Pros

• Financial Stability: Travelers has a solid financial standing, ensuring that claims are likely to be paid, which is crucial for anyone considering cheap car insurance in Oklahoma..
• Strong Online Presence: With an intuitive website and app, managing policies and claims is straightforward, appealing to those seeking cheap car insurance in Oklahoma.
• Reputation for Reliable Claims Processing: Travelers is known for efficiently handling claims, which can be a deciding factor for drivers looking for cheap car insurance in Oklahoma.

Cons

• Higher Premiums for Comprehensive Coverage: While base rates are competitive, adding comprehensive coverage can raise premiums, undermining the goal of cheap car insurance in Oklahoma.
• Limited Discounts Compared to Competitors: Travelers may not offer as many discounts as other providers, making it harder for some drivers to reduce their costs for cheap car insurance in Oklahoma.

#3 – Geico: Best for Extensive Discounts

Pros

• Extensive Discounts: Geico provides a variety of discounts, including multi-policy and safe driver discounts, making it a strong contender for cheap car insurance in Oklahoma.
• High Customer Satisfaction: Geico consistently receives positive reviews for customer service, a critical aspect for those prioritizing cheap car insurance in Oklahoma.
• Robust Claims Support: Their claims process is streamlined, allowing for quick resolution and peace of mind for drivers who require cheap car insurance in Oklahoma.

Cons

• Limited Local Agent Access: While Geico excels online, some drivers may prefer local agents for personalized service, which can be lacking when seeking cheap car insurance in Oklahoma.
• Potential for Higher Rates Upon Renewal: Some customers report rate increases at renewal time, which can affect the affordability of cheap car insurance in Oklahoma over time.

#4 – Progressive: Best for Competitive Rates

Pros

• Innovative Pricing Tools: Progressive’s Name Your Price tool allows drivers to customize their coverage based on their budget, making it easier to find cheap car insurance in Oklahoma.
• Comprehensive Coverage Options: They offer a variety of policy types, catering to diverse needs while still promoting affordability for cheap car insurance in Oklahoma.
• User-Friendly Online Experience: With a straightforward website and mobile app, Progressive simplifies the process of managing policies for those seeking cheap car insurance in Oklahoma.

Cons

• Higher Rates for Young Drivers: Young and inexperienced drivers may find higher premiums with Progressive, which could negate the goal of finding cheap car insurance in Oklahoma.
• Customer Service Complaints: Some users report dissatisfaction with customer service responsiveness, raising concerns for drivers prioritizing support when seeking cheap car insurance in Oklahoma.

#5 – The Hartford: Best for Specialized Program

Pros

• Specialized Programs for AARP Members: The Hartford offers discounts for AARP members, making it an excellent choice for older drivers looking for cheap car insurance in Oklahoma.
• Flexible Coverage Options: They offer a variety of coverage plans that cater to the specific needs of drivers, enhancing the appeal of cheap car insurance in Oklahoma.
• Strong Claims Handling: The Hartford is recognized for effective claims processing, vital for drivers concerned about reliability when choosing cheap car insurance in Oklahoma.

Cons

• Higher Rates for Younger Drivers: Like many providers, The Hartford’s rates may not be as competitive for younger, less experienced drivers, which could deter those seeking cheap car insurance in Oklahoma.
• Limited Availability: Depending on the region, some drivers might not have access to The Hartford, restricting options for cheap car insurance in Oklahoma.

#6 – American Family: Best for Flexible Coverage

Pros

• Customizable Coverage Options: American Family offers flexible policies that can be tailored to individual needs, which is beneficial for finding cheap car insurance in Oklahoma.
• Strong Community Engagement: They are involved in local communities, which can enhance customer loyalty and trust when seeking cheap car insurance in Oklahoma.
• Excellent Educational Resources: Their website includes helpful resources for drivers, making it easier to understand policy options and benefits related to cheap car insurance in Oklahoma.

Cons

• Potentially Higher Base Rates: Some drivers may find that their starting rates are higher compared to competitors, which could limit options for cheap car insurance in Oklahoma.
• Customer Service Variation: Experiences can vary widely depending on local agents, which may impact satisfaction for those seeking cheap car insurance in Oklahoma.

#7 – Nationwide: Best for Vanishing Deductible

Pros

• Unique Vanishing Deductible Feature: Nationwide offers a vanishing deductible option that rewards safe driving, making it an attractive choice for cheap car insurance in Oklahoma.
• Comprehensive Coverage Options: They provide a wide range of coverage types, catering to different needs and budgets for cheap car insurance in Oklahoma.
• Multiple Discounts Available: With various discount programs, Nationwide helps drivers find the best rates for cheap car insurance in Oklahoma.

Cons

• Complex Policy Options: Some drivers may find their policy choices overwhelming, which could complicate the search for cheap car insurance in Oklahoma.
• Limited Local Agent Availability: Depending on the area, access to local agents may be restricted, making it harder for some to obtain cheap car insurance in Oklahoma.

#8 – Allstate: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Plans: Allstate provides extensive policy options, allowing drivers to customize their coverage while seeking cheap car insurance in Oklahoma.
• Various Discount Opportunities: Allstate offers discounts for safe driving and bundling, which can lower costs significantly for cheap car insurance in Oklahoma.
• Engaging Mobile App: Their app allows for easy management of policies and claims, catering to modern drivers looking for cheap car insurance in Oklahoma.

Cons

• Higher Average Premiums: Some drivers may find that Allstate’s base rates are higher than those of competitors, which could be a drawback when searching for cheap car insurance in Oklahoma.
• Inconsistent Customer Service Experiences: Some users report varying experiences with customer support, which could impact the reliability of cheap car insurance in Oklahoma.

#9 – Farmers: Best for Customizable Policies

Pros

• Customizable Policy Options: Farmers allows extensive customization of coverage, making it easier for drivers to find affordable solutions for cheap car insurance in Oklahoma.
• Strong Local Agent Network: With many local agents, Farmers offers personalized service, which can be beneficial for those seeking cheap car insurance in Oklahoma.
• Positive Customer Feedback: Farmers generally receives good reviews for customer service, reinforcing their reliability for cheap car insurance in Oklahoma.

Cons

• Higher Base Rates for Some Drivers: Farmers may not always offer the most competitive rates for high-risk drivers, potentially complicating the search for cheap car insurance in Oklahoma.
• Complex Policy Structure: The variety of coverage options can sometimes be overwhelming, making it harder for customers to navigate their choices for cheap car insurance in Oklahoma.

#10 – Liberty Mutual: Best for Multi-Policy Discount

Pros

• Strong Multi-Policy Discounts: Liberty Mutual offers significant savings for bundling policies, making it an appealing choice for cheap car insurance in Oklahoma.
• Wide Range of Coverage Options: They provide a variety of plans to meet diverse driver needs, enhancing affordability in the realm of cheap car insurance in Oklahoma.
• User-Friendly Mobile Tools: Their app allows for easy policy management and claims filing, catering to drivers seeking convenience when considering cheap car insurance in Oklahoma.

Cons

• Potential for Higher Premiums for Young Drivers: Liberty Mutual may charge higher rates for younger or inexperienced drivers, which could hinder their goal of finding cheap car insurance in Oklahoma.
• Variable Customer Service Experiences: Some customers have reported inconsistent service levels, which might affect the overall experience when seeking support for cheap car insurance in Oklahoma.

Understanding Car Insurance in Oklahoma

The Basics of Car Insurance

Car insurance is a type of insurance coverage that protects you financially in case of accidents or theft involving your vehicle. It provides coverage for both property damage and bodily injury liability.

In Oklahoma, car insurance is mandatory, and failure to comply with the minimum insurance requirements can result in fines or other penalties. When you purchase car insurance, you will typically have different types of coverage options to choose from.

These options may include liability coverage, which pays for damages caused to other people and their property, and collision coverage, which pays for damages to your own vehicle in case of an accident.

Other optional coverage options may include comprehensive coverage, which provides protection against theft, vandalism, and other non-collision-related damages, and uninsured/underinsured motorist coverage, which covers you in case you are involved in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover your damages.

Car insurance is not just about protecting your vehicle; it also provides financial protection for you and your family. In the event of an accident, car insurance can help cover medical expenses, lost wages, and other related costs. It can also provide legal defense if you are sued as a result of an accident.

Choosing the right car insurance policy can be overwhelming, but it’s important to understand the different coverage options available to you. Liability coverage is the most basic and mandatory type of car insurance in Oklahoma.

It protects you if you are at fault in an accident and covers the cost of damages to other people’s property and any injuries they sustain. Collision coverage, on the other hand, covers the cost of repairs to your own vehicle in case of an accident, regardless of who is at fault.

Oklahoma’s Minimum Insurance Requirements

In Oklahoma, the minimum car insurance requirements are as follows:

1. Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
2. Property Damage Liability Coverage: $25,000 per accident

It is important to note that these are the minimum requirements, and it is often recommended to have higher coverage limits to ensure adequate protection in case of an accident.

Factors such as the crime rate in your area, the number of accidents reported, and the prevalence of severe weather conditions can all impact your insurance premiums. Therefore, it’s important to research and understand the factors that influence car insurance rates in your specific region.

Lastly, it’s crucial to review your car insurance policy regularly to ensure that it still meets your needs. As your circumstances change, such as buying a new car or moving to a different area, you may need to adjust your coverage accordingly.

By staying informed and proactive, you can ensure that you have the right car insurance coverage to protect yourself and your assets in Oklahoma.

Factors Affecting Car Insurance Rates in Oklahoma

Age and Driving Experience

One factor that significantly affects car insurance rates in Oklahoma is age and driving experience, as reflected in the average auto insurance rates by age and gender.

Typically, younger drivers, who are statistically more likely to be involved in accidents due to their lack of experience, face higher premiums. Conversely, older, more experienced drivers often qualify for lower rates, as they are viewed as less risky by insurance companies.

Insurance companies view them as less risky because they have had more time to develop their driving skills and are less likely to engage in reckless behavior behind the wheel. Furthermore, insurance providers take into account the number of years you have been licensed when assessing your rates.

New drivers who have recently obtained their license are considered to be higher risk because they have not yet had the opportunity to build a safe driving record.

In contrast, drivers who have been licensed for many years without any accidents or traffic violations are seen as more responsible and are rewarded with lower premiums.

Driving Record and Traffic Violations

Your driving record plays a significant role in determining your car insurance rates, especially when considering questions like “how long does a DUI stay on your record?” Insurance companies review your history of traffic violations, accidents, and DUI convictions to assess your risk level as a driver.

If you have multiple traffic violations or accidents, insurers will view you as a higher risk and charge you higher premiums to compensate for the increased likelihood of future claims.

This is because individuals with a history of accidents or traffic violations are more likely to repeat these behaviors in the future. On the other hand, maintaining a clean driving record can help you qualify for lower insurance rates.

If you have consistently followed traffic laws, avoided accidents, and have not been convicted of any DUI offenses, insurance companies will consider you a responsible driver. As a result, they will be more willing to offer you lower premiums as they perceive you as less likely to file a claim.

Vehicle Make and Model

The make and model of your vehicle can also impact your car insurance rates. Insurance companies consider the cost of repairing or replacing your vehicle in the event of an accident or theft.

This becomes even more important when facing legal issues like “What happens when I drive on a suspended license?” as some insurers may raise rates or even deny coverage for drivers with legal violations, further complicating your vehicle’s insurance costs.

Certain vehicles are more expensive to repair or replace due to high-end features, specialized parts, or limited availability. As a result, owners of these vehicles can expect to pay higher premiums to ensure that their insurance policy will adequately cover the potential costs, especially when legal issues come into play.

Additionally, vehicles with advanced safety features may qualify for discounts on car insurance rates. Insurance companies value safety features such as anti-lock brakes, airbags, and electronic stability control, as they reduce the risk of injuries and accidents.

Therefore, if your vehicle is equipped with these safety features, you may be eligible for lower premiums as insurers perceive you as less likely to be involved in accidents.

It is important to note that car insurance rates in Oklahoma, as well as the specific factors considered by insurance companies, may vary. It is advisable to consult with different insurance providers to compare rates and determine the best coverage options for your individual circumstances.

Top Cheap Car Insurance Providers in Oklahoma

State Farm Review

State Farm is one of the top cheap car insurance providers in Oklahoma, offering competitive rates and excellent customer service. However, it’s important to note that State Farm ranked fourth worst insurance company in America, which may raise concerns about claims handling and customer satisfaction.

Travelers Review

Travelers is another reputable car insurance provider in Oklahoma, known for its strong financial stability rating and affordable rates. In addition to their car insurance, a Travelers homeowners insurance review highlights their comprehensive coverage options and competitive pricing.

They also offer a user-friendly website and mobile app, making it easy for customers to manage their policies and make claims.

Geico Review

Geico is known for its reliable coverage and affordable premiums. They have a robust network of repair shops and offer additional benefits such as roadside assistance.

By following these guidelines and utilizing the tips provided, you can secure the right coverage at an affordable price to protect yourself and your vehicle on the roads of Oklahoma. Enter your ZIP code below to get started.