Cheapest Car Insurance In Oklahoma City, OK 2025

State Farm offers Oklahoma City drivers the lowest rate for minimum coverage car insurance, averaging $36 per month.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 04 February 2025
Written by Bob Phillips
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Looking for affordable car insurance in Oklahoma City, OK, can lead to a mix of different price points.

For liability-only coverage at the lowest price, State Farm comes out on top. Allstate is the go-to for full coverage savings, and Jupiter Auto Insurance is the most affordable choice for young drivers.

Cheapest Car Insurance Companies In Oklahoma City, OK 2025

Cheapest Car Insurance, Oklahoma City, 2025

Cheapest Liability-only Car Insurance In Oklahoma City: State Farm

At an average cost of $36 per month, State Farm offers the cheapest minimum coverage car insurance in Oklahoma City.

Compare rates from different insurance companies using the table provided below.

Provider Average Monthly Cost Average Annual Cost
State Farm $36 $432
Allstate $47 $564
Farmers $72 $864
Progressive $86 $1,032
GEICO $69 $828

Cheapest Car Insurance Rates For Seniors: State Farm

State Farm stands out as the most affordable option for senior drivers in Oklahoma City, with an average monthly premium of $60.

The chart below showcases average car insurance rates from the most economical insurers for seniors.

Provider Average Monthly Cost Average Annual Cost
State Farm $60 $720
GEICO $118 $1,416
Progressive $113 $1,356
Allstate $81 $972
Mercury $132 $1,584

Cheapest Full Coverage Insurance Rates In Oklahoma City: Allstate

The most affordable full coverage car insurance in Oklahoma City comes from Allstate, with an average monthly quote of $107.

Here’s a comparison of average auto insurance quotes from some of the most affordable providers in Oklahoma City.

Provider Average Monthly Cost Average Annual Cost
Allstate $107 $1,284
GEICO $153 $1,836
Mercury $174 $2,088
Farmers $165 $1,980
Progressive $168 $2,016

Cheapest Rates In Oklahoma City For Teenagers: State Farm

With an average premium of $148 per month, State Farm has the most budget-friendly car insurance for teens in Oklahoma City.

Below is a comparison of the insurance providers with the lowest rates for teenage drivers.

Provider Average Monthly Cost Average Annual Cost
State Farm $148 $1,776
GEICO $274 $3,288
Allstate $209 $2,508
Farmers $314 $3,768
National General $410 $4,920

Cheapest Auto Insurance For Young Adults in Oklahoma City: Jupiter Auto Insurance

Jupiter Auto Insurance provides the most affordable car insurance for young adults in Oklahoma City, with an average monthly rate of $61.

The table below allows you to compare the most affordable auto insurance rates in Oklahoma City for young adults.

Provider Average Monthly Cost Average Annual Cost
Jupiter Auto Insurance $61 $732
State Farm $117 $1,404
USAA $104 $1,248
Safe auto $89 $1,068
Clearcover $110 $1,320

Cheapest Car Insurance In Oklahoma City For Good Drivers: State Farm

State Farm offers the lowest car insurance rates for good drivers in Oklahoma City, with an average monthly premium of $36.

If you’re a good driver, check the table below to compare average quotes from the most affordable insurance providers.

Provider Average Monthly Cost Average Annual Cost
State Farm $36 $432
Allstate $47 $564
Farmers $72 $864
Progressive $86 $1,032
GEICO $69 $828

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Cheapest Rates In Oklahoma City For Drivers After A DUI: Allstate

Allstate provides the lowest car insurance rates for drivers after a DUI, with an average monthly premium of $161 for Oklahoma City drivers.

The table below shows the cheapest car insurance rates for drivers in Oklahoma City with a DUI.

Provider Average Monthly Cost Average Annual Cost
Allstate $161 $1,932
GEICO $258 $3,096
Mercury $271 $3,252
Progressive $278 $3,336
Clearcover $345 $4,140

Cheapest Car Insurance In Oklahoma City After A Speeding Ticket: State Farm

State Farm is one of the most affordable options in Oklahoma City, with average monthly rates of $104 for drivers with a speeding ticket.

The table below shows the average rates for drivers with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
State Farm $104 $1,248
Allstate $142 $1,704
Progressive $220 $2,640
Farmers $219 $2,628
Mercury $247 $2,964

Cheapest For Drivers With After At-Fault Accident: Allstate

Allstate provides the most affordable car insurance for drivers with an at-fault incident, with an average monthly premium of $130.

Below is a list of car insurance providers with the lowest rates for drivers who have an at-fault accident on their record.

Provider Average Monthly Cost Average Annual Cost
Allstate $130 $1,560
Farmers $230 $2,760
Mercury $260 $3,120
Clear cover $311 $3,732
GEICO $215 $2,580

Best Car Insurance Companies In Oklahoma City

State Farm offers the most affordable car insurance in Oklahoma City, starting at $36 a month. You might also want to check out Allstate at $47 a month or GEICO at $69 per month.

Below are the top 10 car insurance providers in Oklahoma City, OK, listed by their average monthly rates.

Company Monthly Premium
State Farm $36
Allstate $47
Farmers $72
Progressive $86
GEICO $69
Mercury $74
National General $90
Clearcover $105
Foremost $164
Shelter $102

Average Auto Insurance Rates In Oklahoma City – By Age

Age plays a significant role in determining car insurance rates. Generally, younger drivers face higher premiums because of their inexperience and higher risk of accidents and violations. Teenagers, in particular, can expect to pay approximately $3,350 annually for car insurance.

Once drivers turn 25, their insurance rates typically start to drop, provided they keep a clean driving record.

Drivers in their 50s and early 60s often receive the best insurance rates, as insurers use age to evaluate experience and risk, which affects premium prices.

Age Average Yearly Rate
Teenagers $3,350
20s $2,346
30s $1,831
40s $1,584
50s $1,579
60s $1,525
70s $1,586

How Much Is Car Insurance In Other Cities in Oklahoma?

Your location plays a significant role in determining your car insurance rates. Insurers consider factors like accident likelihood, vehicle theft, and vandalism rates, which are typically higher in urban areas, leading to increased premiums.

For instance, drivers in Edmond typically pay around $210 a month for car insurance, while those in Enid face an average rate of $183 per month.

City Average Monthly Rate
Norman $206
Ardmore $192
Muskogee $195
Bartlesville $186
Lawton $186
Broken Arrow $207
Enid $183
Claremore $188
Edmond $210
Duncan $187

Average Rates In Oklahoma City – By Vehicle

Your car’s make, model, year, and body type are key factors in determining your insurance premiums. Newer vehicles, especially luxury models with advanced features and higher replacement costs, usually have higher rates.

The table below provides average insurance rates in Oklahoma City for various types of vehicles.

Vehicle Average Monthly Rate
Ford Escape $97
Volkswagen Passat $168
Buick Century $72
Chevrolet Tahoe $176
Kia Forte $151

Average Cost Of Auto Insurance In Oklahoma City – By Zip Code

Insurers use zip codes to assess crime rates in your area, which is why car insurance rates vary by zip code.

The table below shows the average car insurance rates for various zip codes in Oklahoma City.

Zip Code Average Monthly Rate
73127 $148
73120 $165
73135 $154
73130 $136
73132 $164

Find affordable Oklahoma City rates

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Our Methodology

After carefully examining factors like customer service, product choices, pricing, and reviewing multiple online sources and user feedback, I’ve created a detailed overview of the car insurance market in Oklahoma City, OK.

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Quotes Analyzed

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Brands Reviewed

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Years Of Experience

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Research Hours

FAQs

Who has the lowest car insurance rates in Oklahoma City?

State Farm provides the most affordable car insurance rates in Oklahoma City for the state’s minimum coverage, while Allstate offers the lowest rates for full coverage, including comprehensive and collision protection.

What is the average cost of car insurance in Oklahoma City?

In Oklahoma City, the average car insurance cost is around $150 per month, but rates can vary depending on factors like zip code, car year and model, and driving history.

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