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Oklahoma Auto Insurance Minimum Coverage & Best Insurers by Price

If your Oklahoma auto insurance rates are skyrocketing out of control all you have to do is enter you five digit zip code at the top of the page to compare quotes from top insurance firms.

Oklahoma’s Minimum Car Insurance Requirements

CoverageOklahoma Minimum Liability CoverageRecommended Coverage
Bodily Injury$25,000 / $50,000$50,000 / $100,000
Property Damage$25,000$25,000
Uninsured Motorist (Bodily Injury)Optional50,000 / 100,000
Uninsured Motorist (Property Damage)Optional25,000
CollisionOptional$500 deductible
ComprehensiveOptional$500 deductible

Bodily Injury Liability

Each Oklahoma motorist must get at least $25,000 of cover for injuries to a single person and $50,000 for multiple passengers to pay for doctor’s costs in the event they are injured in an auto accident where the insured is at-fault in the accident.

Lowest carriers by price for a 25 year old driver.

Property Damage Liability

Property damage liability covers damage to private and public property like buildings, places of business, and traffic lights and the other person’s vehicle. The minimum quantity of coverage in the state of OK is $25,000 for repairs per accident.

The set limit for OK is 25/50/25 and it is recommend to get additional coverage for your vehicle if you want to be sure to protect your assets. Other recommend cover for your automobile in OK is uninsured motorist protection, medical payments cover, comprehensive, and collision.

Least expensive premium price for 30 y/o driver.

Affordable Auto Insurance Providers in Oklahoma

Below is a table of the cheapest to the most expensive insurers for drivers from 25 to 55 year of age.

When I queried for quotes for each age the least inexpensive are USAA, GEICO, and State Farm. This is taking an average premium rate from a pool of 10 quotes.

Of course, your results are going to vary since you will get one quote from a specific zip code.

If you would like a detailed study of quotes for a particular city please read further below.

Company25 Y/O (Average Premium)30 Y/O45 Y/O55 Y/O
USAA$1,112$812$635$487
GEICO$1,132$832$654$499
State Farm$1,143$844$676$521
Oklahoma Farmers Union$1,165$879$680$543
Farmers$1,221$925$695$554
OK Farm Bureau$1,236$945$723$576
Shelter$1,265$987$743$580
Allstate$1,276$1,032$764$589
Mercury$1,311$1,045$786$598
Safe Auto$1,432$1,132$843$611
MetLife$1,521$1,237$879$632

Uninsured Motorist Protection

Uninsured motorist protection is going to cover members of your family, passengers of your car for personal injuries caused by an uninsured motorist or hit and run driver.

UM coverage does “not” pay for damage to your car. If you want the damage to your car to be covered then you would need collision coverage. Collision coverage will protect you in the event another driver hits you or you hit an object.

45 y/o lowest premium choices by price in OK.

Comprehensive, Collision, & Medical Payments

Comprehensive coverage will cover all other “non-collision” accidents like natural disasters such as tornadoes, or if you car is stolen.

Medical payments is another optional coverage and many believe they do not need if they have a health insurance policy.

If you have medical payment on your policy it will cover the deductible for the health insurance policy.

Also, your health insurance cover may not extend to all passengers so it may be a good idea to consider this type of coverage.

55 y/o affordable premium choices in Oklahoma.

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

Each of the insurers in this study are included in the list below. The data includes the amount of written premiums, rate change, consumer rating, and the number of complaints.

Out of all the carriers none had an unusual amount of complaints. The rate change over the course of 12 to 18 months is normal. However, if you get a traffic violation during the term of your policy you can get a spike in rates. And years after depending on the violation.

The amount of written premium is included to verify the establish insurers in the state of Oklahoma.

The consumer rating is data from JP Power & Associates, AM Best, and other reputable online sources.

CompanyDirect Written PremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Farm$3,382,869+3.3%24.3
CSAA$1,257,076+3.9%34.4
Travelers$1,087,743+3.2%64.4
USAA$1,656,032+2.7%44.6
Liberty Mutual$3,652,576+2.8%34.4
Allstate$2,132,680+2.9%14.2
Shelter$1,324,432+2.9%24.1
Progressive$5,032,435+3.5%84.2
Oklahoma Farm Bureau Mutual$5,832,765+3.6%33.8
Nationwide$1,654,547+2.9%14.2
Farmers$2,555,657+3.7%114.3
American Family$845,478 +2.9%94.0
GEICO$2,532,387+3.7%24.4
Safeco$822,458+3.7%54.2

Driving without insurance in OK fines and penalties

  • $250 fine and/or 30 days in jail, plus suspension of license and registration if no accident is involved.

  • If an accident is involved – $344 fine and/or 30 days in jail, plus suspension of license and registration

  • Drivers will be required to pay a $30 reinstatement fee

  • If you fail to provide proof of insurance to the police officer your vehicle can be impounded on the spot and your license and registration is forfeited until you provide proof of coverage.

Average Premium by City

The average premium by city in Oklahoma is in the list below. I found the larger more populated city have a slighter higher premium. Most likely the higher occurrence of automobile accidents and other factors.

Tulsa remains an important center for the industry, with a diversified economy now embracing other industries such as aerospace, chemicals, computer parts and industrial machinery.

Out of the 20 cities I queried the average premium rate can vary from $799 to nearly $1,200 per year. If you would like a detailed study of larger cities in Oklahoma please read further below.

CityAvg PremiumPopulationCityAvg PremiumPopulation
Ada$83217,303Jenks$88820,740
Altus$86519,214McAlester$87618,310
Ardmore$93225,176Muskogee$98738,456
Bartlesville$98436,595Newcastle$1,0769,438
Bethany$1,00919,589Owasso$1,12134,542
Claremore$89718,997Ponca City$1,10724,758
Del City$79922,022Sand Springs$98519,783
Duncan$89423,231Sapulpa$98720,579
El Reno$95518,516Shawnee$1,03131,286
Enid$1,00851,776Yukon$1,06225,892

Oklahoma City

To find a cheap premium in Oklahoma City then start with State Farm, Farmers, and Shelter. I queried each at $987, $1,032, and $1,054 respectfully for a 30 year old driver. Which is 29% lower than the mean rate in OKC. All of the insurers illustrated are at least 21% lower than the average policyholder in Oklahoma City.

A 45 year old can get the best rates with State Farm, Farmers, and Shelter. I queried them at $702, $732, and $754 respectfully for full coverage. Or 31% lower than the average premium price for a driver of similar profile.

With quotes clustering between $702 and $821 the variance can be 5% or more. Which indicates the importance of comparing quotes.

Oklahoma City Company30 Y/O45 Y/O
State Farm$987$702
Farmers$1,032$732
Shelter$1,054$754
Oklahoma Farmers Union$1,097$768
GEICO$1,127$789
Allstate$1,154$821

Oklahoma City was founded in 1889 with approximately 5,000 residents. Today, the city has 630,000 residents with over 1.5 million in the metropolitan area. Oklahoma City is the state capital.

Known as the “Horse Show Capital of the World, OKC is for two important inventions. The traffic signal and the parking meter. Also, Oklahoma City has one of the world’s largest livestock markets. Oil, natural gas, petroleum products and related industries are the largest sector of the local economy.

Stillwater

Residents of Stillwater can get cheap quotes if the shop in the right place. Start with State Farm, OK Farmers Union, and Farmers. I queried each at $947, $1,032, and $1,065 respectfully for a 30 year old driver. All three carriers are 26% lower than the “mean” quote in Stillwater.

A 45 year old can find the cheapest rates with State Farm, Oklahoma Farmers Union, and Farmers. I queried them at $698, $754, and $789 per year for full coverage. Or nearly 30% lower than the citywide average premium.

Shelter and Allstate are good contenders since they are 25% lower with quotes at $805 and $854.

Stillwater Company30 Y/O45 Y/O
State Farm$947$698
GEICO$986$724
Oklahoma Farmers Union$1,032$754
Farmers$1,065$789
Shelter$1,087$805
Allstate$1,121$854

Stillwater is known to the most as being in “tornado alley”. Incorporated in 1884 with a less than 500 people, today, there are nearly 50,000 residents.

Stillwater is known for a vast agricultural land to produce wheat and feed cattle. The city today is known as an academic and cultural center, as students and staff of Oklahoma State University together comprise about half of the city’s population.

Notable attractions include, the Washington Irving Trail Museum, Stillwater Airport Memorial Museum, Payne County Courthouse, and the Stillwater Opera House.

Tulsa

Tulsa residents are frugal shoppers, but getting cheaper insurance sometimes seems to be out of reach. If you are in the market then start with State Farm, Farmers, and OK Farmers Union. I queried each at $980, $1,030, and $1,045 respectfully for a 30 year old. Which is 29% lower than the state average. And 24% lower than the average policyholder in the city of Tulsa.

A 45 year old driver can get low rates with State Farm and Farmers. I queried each at $705 and $715 respectfully per year for full coverage. Which is 35% lower than the mean quote with the city. And 28% lower than the average policyholder in the city of Tulsa.

Any of the carriers illustrated would be worth getting quotes from to find the most amount of savings per year.

Tulsa Company30 Y/O45 Y/O
GEICO$965$694
State Farm$980$705
Farmers$1,030$715
Oklahoma Farmers Union$1,045$745
Allstate$1,068$769
Shelter$1,100$812

Tulsa is the 2nd largest city in the state with 400,000 residents and approximately 1 million in the metropolitan area. Once known as the “Oil Capital of the World”, Tulsa played an important role, and as a hub, in the oil industry.

Today, Tulsa remains an important center for the industry, with a diversified economy now embracing other industries such as aerospace, chemicals, computer parts and industrial machinery.

The standard of living is high in Tulsa with the majority of residents making 10% to 15% more than the national average income.

Norman

Drivers in Norman can get cheap auto insurance by getting quotes from OK Farmers Union, State Farm, and Allstate.

I queried each at $976, $990, and $1,027 for a 30 year old per year. Which is 27% lower than the mean rate within Norman. Farmers and Shelter are 23% lower than average making it worthwhile to get quotes from them too.

A 45 year old can find the lowest prices with OK Farmers Union, State Farm, and Allstate. Each queried at $680, $712, and $715 per year for full coverage. All three at 30% lower than the state average and 26% lower than the citywide average premium.

For drivers of any age it would be worthwhile getting quotes from all insurers illustrated to find the most savings and optimizing coverage.

Norman Company30 Y/O45 Y/O
GEICO$945$667
Oklahoma Farmers Union$976$680
State Farm$990$712
Allstate$1,027$715
Farmers$1,045$725
Shelter$1,087$768

Approximately 20 miles south of Oklahoma city is the city of Norman. It was settle in the Land Run of 1889 and named in honor of Abner Norman who surveyed the land.

Incorporated in 1891, today there are 110,000 residents. Norma is known for the University of Oklahoma, or the Sooners, which attract more than 80,000 spectators during football games.

Broken Arrow

For drivers to find the lowest premium start with State Farm, OK Farmers Union, and Allstate. I queried each at $955, $980, and $995 respectfully for a 30 year old driver. Which is 28% lower than the average policyholder in Broken Arrow.

With quotes clustering between $955 and $1,147 the variance is nearly 20% making it important to compare quotes.

A 45 year old can find the best prices with State Farm and OK Farmers Union. I queried each at $698 and $722 respectfully per year for full coverage. Or nearly 30% lower than the average premium within Broken Arrow.

In fact, all of the insurers illustrated are at least 18% lower than average. Making it worthwhile to compare quotes for all of them.

Broken Arrow Company30 Y/O45 Y/O
State Farm$955$698
Oklahoma Farmers Union$980$722
Allstate$995$754
Farmers$1,035$787
GEICO$1,087$807
Shelter$1,147$822

Broken Arrow is considered the largest suburb of OKC, but is a city and the 4th largest in the state with nearly 100,000 residents. Broken Arrow was originally inhabited by the Creek Indians.

It was founded in 1902 with approximately 1,500 residents. Though Broken Arrow was originally an agricultural community, its current economy is diverse. The city has the third-largest concentration of manufacturers in the state.

Lawton

If you aren’t getting the lowest premium then you are probably looking in the wrong place. Start with State Farm, Farmers, and OK Farmers Union. I queried each at $944, $967, and $999 for a 30 year old driver. Which is 31% lower than the average premium in Lawton.

Allstate is definitely a worthwhile option too with quotes 21% lower than average. With Shelter quotes start to spike at $1,161.

A 45 year old can get the lowest prices with State Farm and Farmers. I queried each at $678 and $680 respectfully per year for full coverage. Or 29% lower than the average policyholder in Lawton.

With prices clustering between $678 and $803 it is smart to get quotes from all carriers illustrated.

Lawton Company30 Y/O45 Y/O
State Farm$944$678
Farmers$967$680
Oklahoma Farmers Union$999$711
Allstate$1,032$725
GEICO$1,055$776
Shelter$1,161$803

Lawton is the 5th largest city in the state with 98,000 residents. Named in honor of Major General Henry Ware Lawton, a Civil War Medal of Honor recipient. Gambling was a major activity until it was declared illegal in 1907.

The huge population growth causes serious public health problems and led to a shortage of water and disregard for the law. After World War II ended the city experienced a steady growth in population. 

Lawton is home to 80 parks and recreation areas in varying sizes, including the largest Elmer Thomas Park.

Edmond

Drivers in Edmond can find affordable premiums be getting quotes from State Farm, Farmers, and OK Farmers Union. I queried each at $955, $980, $1,043 respectfully for a 30 year old driver. Or 26% lower than the average premium price in Edmond.

There is a variance of $125 among all the insurers illustrated making it worth your time to get quotes from all of the carriers.

A 45 year old can get the lowest quotes with State Farm and Farmers. I queried each at $680 and $686 respectfully per yer for full coverage. Which is 29% lower than the “mean” premium with in the city of Edmond.

Allstate and Shelter are 24% lower with quotes at $1,055 and $1,080 respectfully.

Edmond Company30 Y/O45 Y/O
State Farm$955$680
Farmers$980$686
GEICO$1,032$700
Oklahoma Farmers Union$1,043$743
Allstate$1,055$787
Shelter$1,080$800

One of the most affluent cities in Oklahoma is Edmond with a population of approximately 81,000 residents. Edmond is the 6th largest city in the state. Edmond was formerly known as “Summit” and was a watering location for the railroad. 

The city was quickly established during the great Oklahoma land run in 1889. The agriculture and trading based economy of Edmond was very dependent on the railroad. The city of Edmond is known as one the “Perfect Suburbs” according to CNBC.

Moore

Drivers in Moore, OK can get the cheapest car insurance with Allstate, State Farm, and Shelter. Each queried at $940, $968, and $985 for a 30 year old driver. Or nearly 30% lower than the citywide average premium quote in Moore.

With a variance of $140 from all 5 insurers illustrated it is worth comparing quotes to find the most savings.

A 45 year old can get the least expensive rates with Allstate, State Farm, and Shelter. I queried each at $650, $665, and $689 per year for full coverage. Or approximately 28% lower than the “mean” quote in Moore.

For older drivers there is a variance of $137 among 5 carriers making it smart to compare quotes.

Moore Company30 Y/O45 Y/O
Allstate$940$650
State Farm$968$665
Shelter$985$689
Farmers$1,010$706
GEICO$1,045$725
Oklahoma Farmers Union$1,079$787

Moore, OK is part of Oklahoma City metropolitan area with a population of 55,000 residents making it the 7th largest city in the state. Moore has been in international news a few times because of devastating tornadoes. 

The town was renamed after Al Moore, an employee of the Railroad Company. It was believed that he painted his name outside his home to help mailmen, leading to the settlement being called Moore.

A couple of notable attractions in Moore are JD Estates Park and the Firehouse Art Center.

Midwest City

Premium rates in Midwest City are slightly higher than average. If you want to get cheaper quotes then start with Allstate, Farmers, and State Farm. I queried each at $980, $1,009, and $1,055 for a 30 year old driver. Which is 22% lower than the average policyholder in Midwest City.

A 45 year old can find the best prices with Allstate and Farmers. Each were queried at $668 and $690 per year. With a variance of $112 among 5 insurers illustrated it would be smart to compare quotes to maximize savings.

Midwest City Company30 Y/O45 Y/O
Allstate$980$668
Farmers$1,009$690
State Farm$1,055$708
Shelter$1,068$742
GEICO$1,090$765
Oklahoma Farmers Union$1,125$780

Midwest City was founded by W. P. Atkinson in 1941 as a settlement for people affiliated with the recently built airfield adjacent to the city. The community was named after the Midwest Air Depot located in that area, which was later renamed the Tinker Airforce Base.

Today, it is part of the OKC metropolitan area and has a population of 54,000 residents. It is 8th largest city in the state. One of the most notable attractions in Midwest City is the Outdoor Air Museum on both sides of I-40.

Enid

If you are in the market for a cheaper premium in Enid then start with State Farm, OK Farmers Union, and Allstate. I queried each at $930, $955, and $976 for a 30 year old driver. Which is 24% lower than the citywide average premium in Enid.

A 45 year old can get the best rates with State Farm and OK Farmers Union with quotes at $640 and $622 respectfully. Or nearly 28% lower than the average policyholder within Enid.

With quotes clustering between $640 and $725 there is a small variance of $85. However, it would be smart to compare quotes with all insurers illustrated.

Enid Company30 Y/O45 Y/O
State Farm$930$640
Oklahoma Farmers Union$955$622
Allstate$976$645
Farmers$1,025$680
Shelter$1,058$725
GEICO$1,087$752

Enid holds the nickname of “Queen Wheat City” and “Wheat Capital” of Oklahoma and the United States for its immense grain storage capacity, and has the third-largest grain storage capacity in the world.

Enid was founded in the Land Run of 1893. Today there are nearly 50,000 residents making it the 9th largest city in the state.

It is considered a wonderful place to run a business with many agricultural and technology business residing in the city of Enid.

In times past, Readers Digest has ranked Enid and one the best “small cities” to raise a family.

Available Discounts available in Oklahoma

There are discounts available to drivers at times which are overlooked. For example, VIN etching is widely in used and many driver do take advantage of the discount. Of course, your insurer you bought a policy from may or may not offer the discount.

The highest percentage discount typically are safety and/or driver course including multi-policy. And if you can combine two or more discounts you may be able to get 20% or more in savings.

By PopularityDiscount AvailableTypical Percentage
1Multi-car10 Percent
2Multi-policy10 Percent
3Anti-theft or security system5 Percent
4Good student5 Percent
5Driver eduction10 - 15 Percent
6Safety course10 - 20 Percent
7VIN “etching” discounts*5 Percent

Note: These are only estimates and results will vary by insurance provider.

*VIN etching is a countermeasure to motor vehicle theft that involves etching a vehicle’s VIN onto its windows to reduce the value of a stolen vehicle to thieves.

Final Thoughts

At Autoinsuresavings we want the experience of comparing car insurance as enjoyable as possible.

If you enter your five digit zip at the top of the page you can get free Oklahoma insurance quotes.

You have no obligation, you can chat online with an agent, or ask for them to call you back at your convenience. Finding cheap car insurance is easy here and we hope you enjoyed your stay.

Sources

https://www.ok.gov/oid/Consumers/

https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/oklahoma-firm-foundation

OK Farm Bureau

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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