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Oklahoma Low-Cost Auto Insurance, Minimum Coverage, & Best Insurers by Price

For a driver with decent driving history, the least expensive auto insurance companies in Oklahoma are State Farm, Oklahoma Farmers Union, and Farmers.

Depending on your age and location, each carrier can offer quotes from 22% to 31% lower than the median rate for drivers of similar age and profile.

Other insurers to put on your bucket list to get quotes are Farm Bureau, Shelter, and Allstate.

Each insurer can offer quotes from 16% to 27% lower than the average premium of similar profile drivers.

Former military will find affordable rates with USAA.

Two other carriers which are often overlooked in Oklahoma are Safe Auto and Mercury.

There are more details below.

In this article I am going to cover the cheapest auto insurance firms, the minimum requirements to drive, and strategies to help you lower your monthly premium.

If you would like to skip to a certain portion of the article, there is a table of contents down a little and to the right for your convenience. 

Lowest carriers by price for a 25 year old driver from USAA, State Farm, Farmers Union, and Farmers Bureau.Note: For a 25 year old driver the best options by price are with USAA, State Farm, and Farmers Union. Each carrier is at least 26% lower than the average premium of $1,587 per year. USAA is available to military, former military, and their spouses. Other competitive options are with Farmers and Farmers Union. Both offer quotes at $1,221 and $1,236 per year for full coverage.

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 coverage for injuries to a single person and $50,000 for multiple passengers to pay for medical costs.

In the event they are injured in an auto accident where the insured is at-fault in the accident.

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 Oklahoma 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 coverage for your automobile in Oklahoma is uninsured motorist protection, medical payments cover, comprehensive, and collision.

Least expensive premium price for 30 y/o driver from Farmers, USAA, State Farm, Farm Bureau. Note: For a 30 y/o driver the cheapest options by quote are with State Farm, Farmers Union, and Farmers. Each queried at $844, $879, and $925 per year for full coverage. All three carriers are at least 26% lower than the average premium of $1,268.

Affordable Auto Insurance Providers in Oklahoma

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

When I queried for quotes for each age the least inexpensive are USAA, Oklahoma Farmers Union (known as American Farmers & Ranchers), and State Farm.

Depending on your age and location each insurer can offer quotes from 21% to 31% lower than the median premium for similar age drivers.

USAA is only available to former military members and their spouses.

Other competitive carriers are Shelter, Farm Bureau, and Allstate.

Each carrier offer quotes from 16% to 27% lower than the “mean” quote for similar age drivers.

Safe Auto and Mercury and not as well known in Oklahoma.

At times, each carrier can offer substantially lower quotes than the average premium.

Also, both Safe Auto and Mercury do reasonably well for drivers with a history of traffic violations. 

With the list of insurers you have a blend of local, regional, and national companies to help you lower your monthly premium.

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 cheapest car insurance options by price in Oklahoma. Note: For a 45 year old driver the quotes clustered between $635 and $723. To get cheaper coverage start with State Farm, American Farmers & Ranchers, and Farmers. I queried each at $676, $680, and $695 respectfully per year for full coverage. All three carriers are nearly 30% lower than the average premium price of $968.

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. Note: A 55 y/o driver can find quotes clustering from $487 to $576 which is a $89 variance. The cheapest car insurance can be found with State Farm, American Farmers & Ranchers, and Farmers. Each queried at $521, $543, and $554 respectfully per year for full coverage. Or approximately 22% lower than the average premium of $720.

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

Each of the insurers in the 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 established insurers in the state of Oklahoma.

The data compiled is from JP Power & Associates, AM Best, and the III.org.

Consumer rating data is compiled from reputable online sources to get an average. 

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 – 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.

Average Premium by City

The average premium by city in Oklahoma is in the list below.

I found the larger more populated cities have slighter higher premiums.

Most likely the higher occurrence of automobile accidents and other factors.

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
Elgin$1,0083,008Yukon$1,06225,892

Oklahoma City

Oklahoma City cheapest auto insurance options by price from Shelter, State Farm, Farmers, and Allstate.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 Oklahoma

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, Oklahoma is known for two important inventions.

The traffic signal and the parking meter.

Stillwater

Stillwater inexpensive auto insurance by quote from Allstate, State Farm, Farmers Union, and Shelter.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 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. 

Tulsa

Tulsa cheapest premium choices by quote from Farmers, Allstate, Shelter, and State Farm. Tulsa residents are frugal shoppers, but getting cheaper auto insurance sometimes seems to be out of reach.

If you are in the market then start with State Farm, Farmers, and Oklahoma 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.

Norman

Norman, OK least expensive insurers by quote from Farmers Union, State Farm, Allstate, and Shelter.Drivers in Norman can get cheap auto insurance by getting quotes from Oklahoma 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.

Broken Arrow

Broken Arrow, OK lowest auto insurance by price for 30 to 45 y/o drivers.For drivers to find the lowest premium start with State Farm, Oklahoma 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 Oklahoma City, 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.

Lawton

Lawton, OK low-cost policy options by price from Shelter, State Farm, Farmers Union, and Allstate.If you aren’t getting the lowest premium in Lawton you are probably looking in the wrong place.

Start with State Farm, Farmers, and Oklahoma 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.

Edmond

Edmond, Oklahoma cheapest car insurance by quote from Farmers, Farmers Union, Allstate, and Shelter.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. 

Moore

Moore, OK least expensive policy choices for 30 to 45 y/o drivers.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.

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.

Midwest City

Midwest City, OK cheapest premium by quote for drivers from Farmers, Shelter, State Farm, and Allstate.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 Air Force Base.

Enid

Enid, OK low-cost auto insurance by price for drivers from State Farm, Farmers Union, Allstate, and Shelter.

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.

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.

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.

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

American Farmers & Ranchers Union

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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