You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make fresh personal finance decisions. We follow rigid guidelines to ensure that our column content is not influenced by advertisers. Our column team receives no direct recompense from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your reliance. Our mission is to provide readers with accurate and unbiased information, and we have column standards in topographic point to ensure that happens. Our editors and reporters thoroughly fact-check editorial subject to ensure the information you ’ re interpretation is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the respect they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy inaugural. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — therefore you can feel convinced about which supplier is proper for you. Bankrate follows a rigid editorial policy, so you can trust that we ’ rhenium putting your interests inaugural. All of our content is authored by highly certified professionals and reviewed by national topic experts, who ensure everything we publish is objective, accurate and desirable of your trust. Founded in 1976, Bankrate has a farseeing chase record of helping people make ache fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take adjacent. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This subject is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Through extensive research, Bankrate ’ s policy column team found USAA to be the best car insurance company in Oklahoma, followed closely by State Farm and Geico. The average cost of full coverage car insurance in Oklahoma is $1,873 per year, based on Bankrate’s review of quoted annual premiums. many drivers care about more than fair the bounty they pay — so we analyzed more than just average premiums. We consider each company ’ s customer satisfaction, third-party fiscal scores, policy options, discounts and more .
Best car insurance companies in Oklahoma
Bankrate ’ s extensive inquiry revealed USAA, State Farm, Geico, Progressive and Farmers as the best indemnity companies in Oklahoma. USAA was included for its exceeding customer satisfaction rate and abject premiums. Geico was included for its wide roll of discounts and low prices. State Farm was included for its exceeding customer service, and Farmers and Progressive were included for their broad range of policy options. Bankrate uses divers factors to find the best car indemnity in Oklahoma. We factored in each caller ’ mho J.D. Power customer satisfaction score, fiscal lastingness ratings from third-party companies like AM Best and S & P, discounts, the latest premium data from Quadrant Information Services and policy offerings to create an personalize Bankrate Score. This Bankrate Score allows you to see which companies rank highest across these categories at a glance. *Not officially ranked with J.D. Power due to eligibility restrictions
USAA
USAA received the highest Bankrate Score and J.D. Power score of any company on our list. The company is known for broken premiums, extremely eminent customer atonement, a broad range of policy options and ace customer servicing. however, only members of the U.S. military, veterans and qualifying syndicate members can buy policies from the company. Learn more: USAA Insurance review
State Farm
State Farm ties with Geico, receiving the second-highest Bankrate score on our list. State Farm is known for its high-quality customer service. Customers can call a helpline 24 hours a day, seven days a workweek. State Farm offers convenient features such as the ability to file a claim via its mobile app. The company besides received a seduce of A++ ( Superior ) from AM Best for fiscal strength. however, State Farm ’ mho premiums are the highest on our list. Learn more: State Farm Insurance review
Geico
Geico, along with State Farm, received the second-highest Bankrate sexual conquest on our list. Geico scored above modal in the J.D. Power Auto Insurance customer satisfaction study. In addition, the caller offers the lowest premiums on our tilt. Before choosing Geico, drivers with a leased fomite may want to keep in mind that the party does not offer gap indemnity. Learn more: Geico Insurance reappraisal
Progressive
Progressive has the third-lowest average premium on our list. The company is known for its wide compass of coverage options, including rideshare policy and roadside aid. Progessive besides offers dozens of competitive discounts that you could qualify for, including a dismiss for signing up for paperless documents. however, Progressive received a below-average customer satisfaction rate from J.D. Power. Learn more: Progressive Insurance review
Farmers
Farmers scored above modal on the J.D. Power customer gratification survey. The company besides has the second-cheapest average premium on our list. Farmers offers car insurance in all 50 states and is known for its extensive car indemnity coverage options, such as new car replacement and extended customized equipment coverage. however, the party received the lowest Bankrate Score of any company on our list. Learn more: Farmers Insurance revue
Average car insurance cost in Oklahoma
average cable car insurance rates vary by country. The average cost of full coverage car insurance in Oklahoma is $ 1,873 per year, which comes in $ 199 higher than the national median of $ 1,674. however, minimum coverage car policy is cheaper on average in Oklahoma than in the U.S. Oklahomans, on average, pay $ 142 less for minimum coverage insurance than the national average. These rates are 2021 quote annual premiums from Quadrant Information Services. actual rates will vary based on individual providers and drivers .
| Average annual premium for minimum coverage in Oklahoma | Average annual premium for full coverage in Oklahoma |
|---|---|
| $423 | $1,873 |
The average monetary value of wide coverage insurance in Oklahoma may be more expensive than the national average for a few different reasons. According to a study by the Reason Foundation, the department of state ’ s rural and urban paving are in relatively poor condition. Oklahoma has more structurally insufficient bridges than 43 other states, and has a higher fatality rate than 42 other states .
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Oklahoma city Average annual premium for full coverage Average annual premium for minimum coverage Broken Arrow, Oklahoma $2,007 $530 Oklahoma City, Oklahoma $2,084 $543 Tulsa, Oklahoma $2,108 $555
How to find the best car insurance in Oklahoma
The best car indemnity in Oklahoma will depend on person circumstances, such as age, ZIP code and preferences. however, the postdate steps may help you determine the best car indemnity provider for you .
Consider minimum insurance requirements in Oklahoma
Every state except Virginia and New Hampshire requires drivers to have at least minimum indebtedness policy. Most insurance experts recommend carrying more than the minimum necessity. however, you may want to reference these requirements on the Oklahoma Insurance Department web site or inquiry Oklahoma ’ s policy laws so you ’ ra mindful of how Oklahoma ’ randomness requirements compare to other states .
Consider lender requirements
Lenders and lienholders much require wide coverage indemnity for financed or leased vehicles. If the car is involved in an accident, they want to be sure funds are available to repair or replace it. Gap insurance, a coverage type that pays the deviation between what the car is deserving and what you owe on it, may be required. however, even without a requirement, drivers may want to consider the coverage to avoid having to make up the remainder out of pouch .
Consider your individual needs
The best way to evaluate your needs is to look at your current circumstances, your by drive records and inquiry the top car policy companies. For exemplar, if you were involved in several accidents in the past ( even if they were no-fault accidents ), you may consider looking for a cable car insurance caller that offers accident forgiveness. If you ’ re adding a adolescent driver to your cable car insurance policy, you may want to search for a cable car indemnity caller with competitive student discounts .
Car insurance discounts in Oklahoma
To save on your car policy, you may want to compare discounts offered by each policy company. standard discounts include vehicle security systems like anti-theft devices and guard systems, including air bags. You may besides get a discount if you keep your car stored for a farseeing period of time. other common discounts include :
- Young driver discounts: Discounts are often available to students who maintain good grades in school, typically a B-average and above. Young drivers in college away from home and without a car may also qualify for a distant student discount.
- Safe driver discounts: Many insurers offer savings to drivers who remain accident-free or drive a vehicle with safety features, such as anti-lock brakes. If you do have a mark on your driving record, you may be able to qualify for a discount by taking a safe driving course. Taking a safe driving course could be a great option for high-risk drivers.
- Other discounts: Some car insurance companies offer discounts for paying your premiums upfront or applying for paperless billing. You may also qualify for discounts if you bundle your home and auto insurance policies.
Frequently asked questions
What is the cheapest car insurance company in Oklahoma?
The cheapest car indemnity companies in Oklahoma are Geico, USAA, and Farmers, according to Bankrate ’ second study of quoted annual premiums. however, the cheapest cable car policy supplier in Oklahoma for you will depend on individual circumstances. The easiest way to find the cheapest rate for you is to request quotes from multiple car indemnity providers .
What is the minimum auto insurance coverage in Oklahoma?
All drivers in Oklahoma are required to maintain at least the minimal sum of car indemnity, which includes bodily injury liability coverage of $ 25,000 per person and $ 50,000 per accident and property wrong liability coverage of $ 25,000 .
How much is car insurance a month in Oklahoma?
In Oklahoma, entire coverage cable car policy costs $ 156 per month. On average, Oklahomans pay more for their wide coverage car indemnity than the average american .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a scavenge tug criminal record, good credit and the pursuit wax coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverage that meets each state ’ s requirements. Our free-base visibility drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample distribution rates and should only be used for comparative purposes.
Read more: Best car insurance companies for 2022
Bankrate Scores
Bankrate Scores chiefly reflect a leaden rank of industry-standard ratings for fiscal lastingness and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is authoritative for drivers to be confident their fiscal protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer hold. To determine how well the best cable car indemnity companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most impact on the companies ’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurance company handiness, affordability and customer experience are frequently the top priorities, Bankrate besides analyzed each insurance company ’ mho on-line and mobile resources for policy management and claims handling. policy is quickly evolving to keep pace with our digital earth, so these aspects besides carried weight in determining Bankrate Scores .