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Cheapest Car Insurance Rates In Oklahoma (2018)

From your age to your driving record to your location, there are many factors that influence the amount you pay for car insurance. If you’re searching for cheap auto insurance in Oklahoma, you’ll find that the quotes you get from one company might be significantly different from the next.

To take the hassle out of comparing auto insurance rates, our team evaluated premiums from nine providers to find the best deals for the following driver types:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$144/month estimate

$/month estimate

Your driving record is the primary factor that insurance companies consider when calculating your insurance premiums. So if you’ve never been found at-fault for a wreck, you probably qualify for a safe driver discount.

Our Geeks found Allstate and Progressive to have very affordable insurance rates for drivers in this segment of our study. The estimates above are based on a 29-year-old motorist with a clean collision history.

Best Rates For Teen Drivers

$165/month estimate

$181/month estimate

Teenagers are considered to be more of a liability to insurance companies since their accident rate is far higher than that of adults. In our test, we calculated the average rates for an 18-year-old female and male driver who was shopping for the minimum required insurance coverage in OK.

Best Rates For Drivers With A DUI

$188/month estimate

$/month estimate

If you’re sick of struggling to pay your car insurance premiums after a DUI, you’ve come to the right place. Our Geeks identified Allstate as the carrier with the lowest auto insurance rates for drivers with a DUI or DWI in Oklahoma. If you fall into this driver category, you should also take the time to get a quote from Progressive. These two providers were found in our analysis to offer the best rates for 29-year-old drivers with one drunk driving conviction involving a BAC of 0.08 percent.

Best Rates For Senior Drivers

$91/month estimate

$133/month estimate

State Farm was identified by our researchers as the carrier with the best car insurance rates for seniors in Oklahoma. We averaged the estimated monthly premiums of a male and female driver age 65 who drove one-third the annual mileage as our 29-year-old motorist.


Our study used a 2014 Toyota Corolla that was driven 12,000 annual miles. Our team looked at the average rates of females and males in five zip codes to determine the cheapest auto insurance carriers for each driver category. Except for the teen driver segment of our research, the liability coverage limits were 50/100/25, and we also included uninsured motorist coverage of the same amount.

How Much Car Insurance Liability Coverage Are Drivers In Oklahoma Required To Carry?

In Oklahoma, drivers are required to carry auto insurance that meets the following minimum liability limits:

  • $25,000 To Cover Bodily Injuries To One Person
  • $50,000 To Cover Bodily Injuries Per Wreck
  • $25,000 To Cover Damage To Property


cheapest car insurance in oklahoma

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How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?