Best Cheap Oklahoma Car Insurance

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Whether you drive from Bricktown to the Botanical Gardens, there’s something in Oklahoma you can enjoy. But what happens if you find out that you don’t have enough car insurance to cover your costs if you’re in an accident? 

We’ve researched the best Oklahoma car insurance companies to help you save money so you don’t sacrifice coverage. 

Best Car Insurance in Oklahoma:

  • Esurance: Cheapest & Best for Multiple Cars
  • State Farm: Best Premium Car Insurance
  • USAA: Best for Military Families
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Oklahoma Car Insurance Overview

Every car insurer has a sophisticated formula it uses to calculate risk. You’ll be segmented into a broad group of drivers based on this formula, and some parts of that formula, you can change and some, you cannot.

The factors you can influence include:

  • Your insurance credit score: Your credit score is a record of your financial responsibility and is always a number between 300 (poor) to 800 (excellent). Pay your bills on time and more than the minimum on your credit card bills to help raise this number.  Your insurance credit score is used by insurance carriers to help determine your rate.
  • Your driving record: You’ll save more on your car insurance if you don’t have any speeding tickets, DUIs or other infractions.
  • The year make and model of your car: The newer your car, the more it costs to insure. Smaller, sportier cars tend to have higher insurance costs because of the temptation to drive fast or recklessly.

A couple of things you cannot control can have a negligible effect on your insurance rates:

  • Your age: Statistics show that teen drivers and senior citizens are higher risks on the road, so if you fall into one of these groups, your insurance will be a bit higher. 
  • Your gender: Men generally pay an average of 4% more for their insurance than women. 

Oklahoma Insurance Minimum Explained 

Like most states, Oklahoma requires you to carry a minimum amount of car insurance to help protect you and other drivers against severe financial losses in an accident. 

Bodily Injury 

You’ll need to rely on bodily injury coverage when you’re at fault for an accident and other people are injured. Here are the medical coverage minimums paid to another party if they need medical care from injuries sustained as a result of your negligence: 

  • Bodily injury: Oklahoma state minimum requires $25,000 of bodily injury liability per person. This is the total amount paid toward the medical costs of each person in the other party if they are injured in an accident.

Property Damage Liability 

Property damage covers the other party’s vehicle when you’re found at fault for an accident. It does not cover your vehicle — your vehicle is covered under collision insurance. 

  • Property damage: Oklahoma state state minimums require you to carry $25,000 of property damage liability. This coverage helps pay for damage as a result of an accident you caused. 

Uninsured/Underinsured Motorist Bodily Injury

Uninsured or underinsured motorist coverage is an optional feature that can be added to your policy in Oklahoma. It covers losses where another driver is at fault, but that driver either has no insurance or inadequate insurance coverage.

  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident is the minimum in Oklahoma.

Insurance Rates by Insurance Credit Score

Now, how does all this translate to cheap car insurance? Take steps to keep your driving record clean as well as raise your credit score — it can help you potentially save hundreds of dollars on your car insurance over the course of a year. 

Insurance Rates by Credit Score

A proven part of understanding how to lower your auto insurance is to improve your credit score. Compare the differences below between top insurers for state minimum coverage, according to the various credit score levels. 

Credit ScoreCheapest ProviderRate for State Minimum Coverage
Poor 300–579Root$2,066
Fair 580–669GEICO$1,886
Good 670–739Shelter$1,417
Excellent 740+Root$902

Insurance for Drivers with a Clean Record

Don’t have any speeding tickets or other infractions on your driving record? Good for you! You’ll pay less (sometimes thousands less) than someone who does, especially if they have a severe infraction like a DUI. 

Insurance AgencyState Minimum InsuranceStandard CoverageFull Coverage
State Farm$965$1,388$2,110
Jupiter Auto$795$1,692$1,992

Insurance with Driving Infractions

Getting a solid idea of what you can expect to pay can help you work toward lower car insurance rates, even if you don’t have a perfect driving record.

Insurance Agency At-Fault Accident Speed Violation DUI
National General$2,545$1,730$4,910
United Automobile$2,226$1,552$4,002
Central Insurance$2,263$1,513$6,847
Encompass Insurance$2,093$1,520$6,881

Best Insurance Providers in Oklahoma

The truth about car insurance in Oklahoma is that the “best” insurance company is going to depend on things like your credit score, driving record, how many vehicles you need to insure, any discounts you qualify for and much more.

We’ve chosen our top picks based on pricing, coverage and specific situations that may qualify you to save more. 

1. Cheapest Car Insurance in Oklahoma: Esurance

Esurance, an Allstate company, was born online and is a great option for drivers in Oklahoma who are looking to save money but still benefit from customizable options.

Esurance gives you the best of both worlds and is a fantastic choice if you prefer to handle paying for your insurance online.

Getting a quote is fast and easy and the app makes handling your insurance needs a breeze. 

2. Car Insurance in Oklahoma For Multiple Cars: Esurance

Esurance is also a great choice if you want to insure multiple cars on one policy.

Whether you have a new driver in the house or you’re adding another car to your policy, Esurance is easy and fast and gives you a wide range of discounts.

You may be surprised to learn just how many discounts can save you money on your car insurance. 

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3. Best Premium Car Insurance in Oklahoma: State Farm

State Farm is our top pick for premium cars simply because it offers a clear step-by-step model to insure luxury vehicles.

Depending on how often you drive your premium car, you may pay less for State Farm than if you try to cover your luxury car on a normal car insurance policy.

Be sure to get a quote to find out how much you could save. 

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  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members

4. Best Car Insurance for Military Families: USAA

USAA markets itself as an insurer for military families, but even if you haven’t served, you may still qualify to enroll.

It’s open to all current and former members of the military, as well as immediate family and spouses, so if you have a parent or a spouse (or their parents) who were in the military and USAA members, you can also qualify to enroll.

USAA is known for its excellent customer service and coverage, so you know you’re going with one of the best. 

Choosing the Right Car Insurance in Oklahoma

As you can see, choosing the right car insurance in Oklahoma is about taking the time to understand not only your credit score and driving record, but also making sure you get all the discounts you’re entitled to — from going paperless to taking an approved defensive driving course.

Get several quotes from our top companies to see how much your personalized quote could be. You may even save more than the prices posted here, but the only way to know is to get a customized quote. It’s free and only takes a few minutes to get started. 

Frequently Asked Questions


What is no-fault auto insurance?

What is no-fault auto insurance?

No-fault insurance refers to the medical coverage on an auto insurance policy that pays for injuries to you and your passengers. Each state has its own rules for insurance, so not every state is a no-fault state. In a no-fault state, your own auto policy governs your medical coverage regardless of who was at fault in the accident. See the best providers for no-fault insurance.


Does auto insurance cover business use?

Does auto insurance cover business use?

In most cases, the business use of your vehicle is not covered by your personal auto insurance policy which may lead to denied claims. However, where you’re most likely to risk losing coverage is when you are transporting products or passengers, which insurers define as livery. If your job requires traveling from point A to point B or C to visit customers, attend conferences, or perform other tasks, your personal auto insurance is likely to provide coverage. Get a customized quote now for the best deal. Be sure to check with your agent to confirm you have coverage based on the usage of your vehicle.


I drive for a rideshare company, am I covered by my auto insurance?

I drive for a rideshare company, am I covered by my auto insurance?

The standard auto insurance policy has a ‘business’ use option.  However, that usage has rules as to how it can be applied.   For those that work for Lyft and Uber (for example), Insurance carriers today have now added a rideshare endorsement that can be applied to the auto policy.  While you are on the way to pick up your rider, your insurance carrier extends coverages.   Once the rider is in your vehicle, Lyft or Uber picks up the insurance coverage until the rider is dropped off.  Compare companies here for the best rideshare coverage.


*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.