Oklahoma Cheap Auto Insurance 2025: Find Low-Cost Options Now

Discover the cheapest car insurance in Oklahoma for 2025, plus tips to lower premiums. Get insights on top providers.

Car insurance is a necessary expense, but finding affordable coverage in Oklahoma doesn’t have to be challenging. This guide explores affordable car insurance options in Oklahoma for 2025, including tips to lower your premiums and an overview of top providers.

Average Cost of Car Insurance in Oklahoma

Car insurance coverage in Oklahoma tends to be slightly higher than the national average due to weather-related risks and uninsured drivers. You can expect to pay an average of $2,391 per year, or approximately $199 per month, in the state.

These averages vary depending on factors such as age and driving record. Understanding these benchmarks can help you identify whether your current rate is competitive or if switching providers might save you money.

Top 5 Cheapest Oklahoma Car Insurance Providers

1. USAA (For Military Members)

• Average Annual Premium: $1,274
• Why It’s Affordable: USAA specializes in serving military families with low rates and exceptional service.
• Additional Perks: Access to exclusive military discounts and financial products.

2. Progressive

• Average Annual Premium: $1,420
• Why It’s Affordable: Progressive’s Snapshot program rewards safe driving behaviors.
• Additional Perks: Flexible coverage options and add-ons such as roadside assistance and gap insurance.

3. AFR Insurance

• Average Annual Premium: $1,734
• Why It’s Affordable: AFR Insurance's specialized focus on serving farmers and rural/small-suburban communities leads to competitive rates.
• Additional Perks: Limited to Oklahoma, allowing tailored pricing and underwriting based on Oklahoma laws and demographics.

4. GEICO

• Average Annual Premium: $1,768
• Why It’s Affordable: GEICO provides competitive rates and discounts for good drivers and federal employees.
• Additional Perks: Extensive online tools for policy management and flexible payment options.

Source: Cheapest Car Insurance in Oklahoma for 2025 (US News)

Cheap Auto Insurance, Oklahoma: Teenagers and Young Drivers

Car insurance rates in Oklahoma depend on many different factors, and your age is one of them. Teen drivers tend to pay more for car insurance than older, more experienced motorists. Still, both these age groups can find cheap car insurance in the state.

Teens (17 Year-Olds)

Teenagers often pay the highest car insurance rates because they have limited driving experience and are more likely to be involved in accidents. However, people in this age group can get cheap car insurance in Oklahoma from AFR Insurance. The company offers $2,974 for 17-year-old females and $3,087 for males.

Young Adults (25-Year-Olds)

25-year-olds receive lower insurance rates than teens because they have better driving experience. Because of this, insurance companies offer competitive premiums to this age group. The most affordable option comes from USAA at $1,505 for females and $1,582 for males annually.

However, since USAA is only available to military members, the next best option is Geico at $1,631 for females and $1,618 for males

Source: Cheapest Car Insurance in Oklahoma for 2025 (US News)

Cheap Car Insurance, Oklahoma: Older Adults and Seniors

Adults and seniors below 70 often receive the lowest auto insurance rates because of their extensive driving experience. Therefore, people in this category can find cheap auto insurance in Oklahoma from multiple companies below the state average for their age groups.

Adults (40-Year-Olds)

Adult drivers have a lot of driving experience, meaning they are less of a risk to insure. Providers recognize this and offer competitive pricing.

The cheapest Oklahoma auto insurance rates for this age group come from USAA, with average premiums of $1,168 annually for females and $1,176 annually for males. If you don’t qualify for USAA, the next best rates are from Progressive, with average annual premiums of $1,300 for females and $1,301 for males.

Seniors (60-Year-Olds)

Some of the cheapest auto insurance Oklahoma has to offer is available to senior drivers. This is due to multiple aspects, including the fact that they drive fewer miles than any other age group. The cheapest option for seniors is Progressive, with average annual rates of $1,044 (females) and $1,080 (males).

Cheapest Car Insurance, Oklahoma: High Risk Drivers

Your driving record helps insurers predict your likelihood of filing a car insurance claim. People with a bad driving record often pay higher premiums because they are a higher risk to insure. Here’s a comparison of the cheapest insurers in Oklahoma by driving record:

Drivers With 1 Speeding Violation

A speeding ticket can increase your premiums by an average of 20% per year. Still, you can get affordable auto insurance from various companies, with USAA being the best. They offer the lowest sample annual rate in this category at $1,568.

If you do not qualify for USAA, consider Progressive, who have the second cheapest rates at $1,976 per year.

Drivers With 1 Accident

If you cause an accident, your premiums will increase. But AFR offers affordable auto insurance to drivers in this category at an average annual rate of $1,734. This is much lower than the state average of $3,188 for drivers with one accident.

Drivers With 1 DUI

Your insurer will likely increase your rate if you receive a DUI violation. Progressive has the lowest average rate for drivers with a DUI at $1,751 per year.

Source: Cheapest Car Insurance in Oklahoma for 2025 (US News)

Cheap Auto Insurance in Oklahoma For Drivers With A Bad Credit Score

Some insurers consider your credit-based insurance score when determining your premium. It's because it helps them predict the likelihood of you filing a claim. Drivers with a poor score may pay higher rates.

The statewide average is $3,960 per year if you have bad credit. But Progressive has the cheapest average annual rate at $2,294.

Source: Cheapest Car Insurance in Oklahoma for 2025 (US News)

Average Insurance Rates by City in Oklahoma

Where you live can have a huge impact on the cost of auto insurance. Urban areas like Tulsa and Oklahoma City generally have higher premiums due to more accidents and theft claims compared to smaller cities and towns like Forgan or Gage. The cheapest cities in Oklahoma for auto insurance are:

Source: Cheapest Car Insurance in Oklahoma for 2025 (Bankrate)

So, does this mean that it's impossible to find cheap car insurance, OKC? No, many top companies offer affordable rates depending on factors such as your age and driving profile. Here at Think Save Retire, we compare auto insurance quotes from top companies to find the best, most affordable deals for you.

Factors Affecting Car Insurance Rates in Oklahoma

Several factors influence the cost of car insurance in Oklahoma:

1. Driving Record: Accidents and violations increase premiums, while a clean record can lower rates.
2. Age: Young drivers under 25 and senior drivers over 70 often pay higher premiums. It's because they are considered a higher risk to insure due to limited driving experience and age-related limitations (such as vision decline and hearing loss ), respectively.
3. Location: Urban areas like Oklahoma City (OKC) and Tulsa typically have higher rates than rural areas due to more traffic and theft risks.
4. Vehicle Type: Cars with high safety ratings or anti-theft features may qualify for discounts.
5. Credit Score: Insurers in Oklahoma consider credit scores when determining premiums, with good credit scores leading to lower rates.
6. Coverage Level: Full coverage costs more than minimum liability but offers greater protection against damages and theft.
7. Annual Mileage: Drivers with lower annual mileage may qualify for usage-based insurance discounts.

Tips to Lower Your Car Insurance Premiums

1. Compare Quotes: Obtain quotes from multiple providers to find the best deal.
2. Keep a Clean Driving Record: Avoid accidents and violations to qualify for safe driver discounts.
3. Bundle Policies: Combine auto insurance with home or renters insurance to save money.
4. Take a Defensive Driving Course: Many insurers offer discounts for completing approved courses.
5. Increase Your Deductible: Opting for a higher deductible can lower your monthly premium.
6. Ask About Discounts: Check for available discounts based on your vehicle or memberships.
7. Install Anti-Theft Devices: Cars with security features often qualify for lower rates.
8. Drive Less: Low-mileage drivers may be eligible for usage-based or pay-per-mile insurance plans.
9. Consider Pay-As-You-Drive Policies: Usage-based insurance tracks your mileage and driving habits, potentially saving you money.
10. Review Your Coverage Annually: Regularly assess your policy to ensure it meets your needs without overpaying.

Is Minimum Liability Insurance Enough in Oklahoma?

Minimum auto insurance in Oklahoma is:

• $25,000 for bodily injury per person
• $50,000 for bodily injury of more than one person per accident
• $25,000 for property damage per accident

Bodily injury liability covers other people's medical payments in an accident you cause, whereas property damage liability helps pay for repairs or replacements of property in an at-fault accident.

While this meets the minimum requirements, it may not provide you with enough protection in a severe accident. Experts recommend getting higher limits or full coverage auto insurance, especially if you have a new car or a lot of assets to protect.

Other Coverages to Consider in Oklahoma

The minimum coverage required does not pay for all the damage or medical expenses in some incidents. Therefore, drivers should consider getting more coverage for better financial protection. Some additional auto insurance to consider in Oklahoma includes:

1. Collision Coverage

This pays to replace or repair your car if it's involved in an at-fault accident with an object or another vehicle. Collision also pays for pothole damage and rollovers.

2. Comprehensive Coverage

This helps to pay for damage from non-collision incidents, such as severe weather and hitting an animal. Comprehensive can also pay for theft and vandalism.

3. Underinsured/ Uninsured Motorist Coverage

This pays for your medical expenses and those of your passengers if you're in an accident with an uninsured or underinsured driver. The coverage is not mandatory, but drivers in Oklahoma must reject it in writing if they don't want it.

Additional Resources for Oklahoma Drivers

• Oklahoma Insurance Department: Offers guidance on selecting insurance and resolving disputes.
• Defensive Driving Courses: Certified by the state to help reduce premiums and improve driving skills.
• National Safety Council: Provides resources for safe driving and insurance education.

FAQs

What is the Cheapest Car Insurance in Oklahoma?

USAA offers the lowest rates for military families, while Progressive and AFR Insurance are among the cheapest for general drivers.

How Can I Lower My Car Insurance Premium in Oklahoma?

You can save hundreds by comparing quotes, keeping a clean driving record, bundling policies, and taking advantage of discounts like those for defensive driving courses or anti-theft devices.

Is Full Coverage Necessary in Oklahoma?

While it’s not required, full coverage is recommended for newer vehicles or drivers with many assets to protect.

Are There Specific Discounts Available in Oklahoma?

Yes, many insurers offer discounts for safe driving (State Farm and AFR), low mileage (State Farm), bundling policies, and completing state-certified defensive driving courses.

How Do Weather Risks Affect Insurance Rates in Oklahoma?

Severe weather, such as hailstorms and tornadoes, can increase rates due to the higher likelihood of claims for vehicle damage. Comprehensive insurance can help pay for damages in incidents.

Is Oklahoma a No-Fault Auto Insurance State?

Oklahoma is not a no-fault state, meaning that the driver who caused the accident is responsible for the injury and property damage expenses.