Cheapest Car Insurance Quotes in Oklahoma City

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Oklahoma City Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Oklahoma City

The car insurance rate in Oklahoma City is $1434 for a six-month policy, which is $198 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1020, making it a popular choice for budget-conscious drivers. Rates in Oklahoma City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Oklahoma City

$1434

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Oklahoma City

1st place: USAA

At $1020 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $1061 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1186 for six months, making it the third cheapest auto insurance company in Oklahoma City.

Oklahoma City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oklahoma City, OK is USAA, offering policies at just $1020 for a six-month term. This is followed by Progressive, which has an average six-month premium of $1061.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2088 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oklahoma City drivers find the best deals.

Cheap Car Insurance Companies in Oklahoma City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1020	$172
Progressive	$1061	$179
Mercury	$1186	$200
State Farm	$1240	$209
Shelter	$1385	$233
American Farmers & Ranchers Mutual	$1406	$239
Farmers	$1447	$244
Oklahoma Farm Bureau	$1488	$253
AFR Group	$1716	$287
Farm Bureau	$1743	$297
Allstate	$2088	$351

Key Takeaways

Way's key takeaways about car insurance in Oklahoma City

The auto insurance costs in Oklahoma City fall around $1020 for six months.
The cheapest auto insurance company in Oklahoma City is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Oklahoma City at $49 per month.

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Cheapest Minimum Liability Car Insurance in Oklahoma City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Oklahoma City are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Oklahoma City. Their Average 6 Month Premium is $186. Allstate is the most expensive at $675 for the same period.

Cheapest Liability Coverage in Oklahoma City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$186	$31
Mercury	$220	$37
USAA	$227	$38
AFR Group	$262	$44
Progressive	$269	$45
State Farm	$296	$50
Shelter	$351	$59
Oklahoma Farm Bureau	$379	$63
Farm Bureau	$427	$73
Farmers	$503	$85
Allstate	$675	$114

Cheapest Full Coverage Car Insurance in Oklahoma City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Oklahoma City is USAA at $172 per month and $1020 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oklahoma City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1020	$172
Progressive	$1061	$179
Mercury	$1186	$200
State Farm	$1240	$209
Shelter	$1385	$233
American Farmers & Ranchers Mutual	$1406	$239
Farmers	$1447	$244
Oklahoma Farm Bureau	$1488	$253
AFR Group	$1716	$287
Farm Bureau	$1743	$297
Allstate	$2088	$351

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Average Car Insurance in Oklahoma City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Oklahoma City, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Oklahoma City, Oklahoma, may be increasing due to several external factors. Oklahoma has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oklahoma City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oklahoma City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$828
30s	USAA	$641
40s	USAA	$588
50s	USAA	$564
60s	USAA	$577
70s	USAA	$666

Cheapest Car Insurance Rates for Teen Drivers in Oklahoma City,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Oklahoma City at $43 per month. At $289 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$255	$43
USAA	$1427	$240
Progressive	$2487	$419
State Farm	$2515	$423
Mercury	$3260	$549
Shelter	$3707	$624
Oklahoma Farm Bureau	$4554	$775
Farm Bureau	$5099	$850
Allstate	$5643	$950
Farmers	$6567	$1105
American Farmers & Ranchers	$289	$49

Teen Car Insurance Rates in OK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Oklahoma City.

As young drivers face the highest rates in Oklahoma City, USAA offers the cheapest auto insurance rates at $828 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Oklahoma City, Oklahoma Farm Bureau is the cheapest car insurance provider. At $372 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Oklahoma City is State Farm, offering rates of around $6801 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$372	$61
Progressive	$875	$147
Mercury	$1488	$251
USAA	$1488	$253
Farm Bureau	$1750	$291
Shelter	$2873	$488
Farmers	$3135	$522
Allstate	$3225	$549
State Farm	$6801	$1133

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Car Insurance Rates with An Accident in Oklahoma City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Oklahoma City, OK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oklahoma City

The cheapest car insurance companies after an at-fault accident in Oklahoma City include American Farmers & Ranchers Mutual and AFR Group, offering $179 and $420, respectively. Allstate is an expensive provider with an average six-month premium of $2880.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$179	$30
AFR Group	$420	$72
State Farm	$738	$124
USAA	$799	$135
Mercury	$965	$162
Oklahoma Farm Bureau	$992	$167
Progressive	$1034	$174
Shelter	$1805	$304
Farm Bureau	$1895	$316
Farmers	$2529	$426
Allstate	$2880	$485

Oklahoma City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oklahoma City OK. For example, the car insurance in Oklahoma City after a DUI increases to $731 for a six month policy. While the rate increases by $331 for a six-month policy in the case of a speeding ticket.

Oklahoma City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1378	$230
One comp claim	$1406	$239
One Med/PIP claim	$1406	$234
Two Med/PIP claims	$1420	$241
Not-at-fault accident	$1427	$238
Two comp claims	$1434	$244
Failure to show documents	$1523	$254
Failure to wear a seat belt	$1571	$267
Child safety restraint	$1578	$263
Driving without lights	$1578	$268
Driving with expired registration	$1605	$268
Cell phone violation	$1626	$276
Driving too slowly	$1626	$271
Speeding in school zone	$1626	$276
Texting while driving	$1626	$271
Failure to yield	$1640	$278
Failure to stop at a red light	$1647	$275
Following too closely	$1654	$281
Illegal turn	$1654	$276
Wrong way/wrong lane	$1667	$283
Improper passing	$1674	$280
In 65 MPH zone	$1702	$289
Speeding 11 - 15 MPH over limit	$1709	$285
Speeding 6 - 10 MPH over limit	$1709	$290
Passing school bus	$1716	$287
Speeding 16 - 20 MPH over limit	$1716	$291
Open container	$1743	$290
Speeding 21 - 25 MPH over limit	$1757	$299
At-fault accident - less than $1000	$1764	$293
Operating a vehicle without permission	$1861	$317
At-fault accident - $1000-$2000	$1875	$312
At-fault accident - greater than $2000	$1875	$319
Reckless driving	$2032	$339
Refusal to submit to a chemical test	$2081	$354
DUI	$2109	$351
Racing	$2170	$369
Driving with a suspended license	$2288	$382
Leaving scene of an accident/hit and run	$2288	$389

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Oklahoma City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Oklahoma City.

The cheapest car insurance premiums in Oklahoma City are offered by Progressive at $764 for a six-month policy. However, it can be as expensive as $2695 with companies like Farm Bureau.

Oklahoma City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$764	$129
Mercury	$923	$155
State Farm	$1192	$201
USAA	$1212	$204
Shelter	$2046	$345
Oklahoma Farm Bureau	$2274	$379
Farmers	$2584	$435
Allstate	$2667	$449
Farm Bureau	$2695	$458

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Oklahoma City are offered by Oklahoma Farm Bureau at $338. However, it can be as expensive as $2597 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oklahoma City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$338	$57
Progressive	$738	$124
State Farm	$799	$135
USAA	$1013	$172
Mercury	$1261	$212
Shelter	$1688	$287
Farm Bureau	$1743	$290
Allstate	$2508	$427
Farmers	$2597	$433

Car Insurance Price Trends in Oklahoma City, Oklahoma

Car insurance rates in Oklahoma City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Oklahoma City rose by $282 in January compared to $258 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Oklahoma City dipped to $53 in January, compared to $55 in December. This represents an decrease of $2 when comparing January and December.

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Average Car Insurance Cost in Oklahoma City by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Oklahoma City. At $1476 for a six-month policy, insuring your car at 73109 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
73109	$1476	$248
73107	$1476	$248
73129	$1462	$246
73108	$1462	$246
73149	$1433	$241
73105	$1433	$241
73127	$1476	$248
73128	$1433	$241
73106	$1448	$243
73103	$1433	$241
73169	$1433	$241
73104	$1433	$241
73145	$1433	$241
73102	$1433	$241
73121	$1433	$241
73165	$1433	$241
73122	$1448	$243
73141	$1433	$241
73120	$1505	$253
73142	$1462	$246
73162	$1491	$250
73160	$1548	$260
73118	$1462	$246
73119	$1491	$250
73116	$1448	$243
73117	$1433	$241
73139	$1462	$246
73114	$1462	$246
73159	$1491	$250
73115	$1476	$248
73112	$1491	$250
73134	$1433	$241
73135	$1476	$248
73179	$1433	$241
73110	$1491	$250
73132	$1491	$250
73111	$1448	$243
73130	$1462	$246
73131	$1433	$241
73150	$1433	$241
73173	$1433	$241
73151	$1433	$241
73170	$1505	$253

Frequently Asked Questions

How much is car insurance in Oklahoma City?

The car insurance in Oklahoma City is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Oklahoma City?

The cheapest car insurance in Oklahoma City is $172 per month for full coverage.

How much is car insurance in Oklahoma City for teenagers?

Car insurance for teenagers costs $255 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Oklahoma City?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $241 per month to insure your car in Oklahoma City.

Is car insurance expensive in Oklahoma City?

Car insurance can be expensive in Oklahoma City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oklahoma City can be affordable.

Cheapest Car Insurance Quotes in Oklahoma City

Why you can trust Way?

How Much Is Car Insurance in Oklahoma City

Avg. Car Insurance in Oklahoma City

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Oklahoma City

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Oklahoma City Car Insurance Rates by Company

Cheap Car Insurance Companies in Oklahoma City, OK

Way's key takeaways about car insurance in Oklahoma City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oklahoma City

Cheapest Liability Coverage in Oklahoma City, OK

Cheapest Full Coverage Car Insurance in Oklahoma City

Cheapest Full Coverage Car Insurance Quotes in Oklahoma City, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oklahoma City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oklahoma City, OK increasing?

Car Insurance Premiums by Age in Oklahoma City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oklahoma City,OK

If you are in your twenties USAA is the best choice for car insurance in Oklahoma City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Oklahoma City

Cheapest Car Insurance Companies after an At-Fault Accident in Oklahoma City

Oklahoma City Car Insurance Rates by Violation

Oklahoma City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oklahoma City after a DUI

Oklahoma City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oklahoma City after Speeding ticket

Car Insurance Price Trends in Oklahoma City, Oklahoma

Average Car Insurance Cost in Oklahoma City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oklahoma City, OK

Car Insurance Rates by State in the USA (2025 Update)

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