[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/cheap-car-insurance-oklahoma-2026":3},{"id":4,"title":5,"body":6,"breadcrumbs":703,"category":704,"ctaCarrier":110,"ctaHook":705,"ctaRate":706,"ctaState":707,"dateModified":708,"datePublished":708,"description":709,"draft":710,"extension":711,"faqs":712,"featured":710,"image":703,"meta":731,"navigation":732,"path":733,"relatedGuides":734,"section":758,"seo":759,"stem":760,"tags":761,"tocEnabled":732,"__hash__":769},"pages/cheap-car-insurance-oklahoma-2026.md","Cheapest Car Insurance in Oklahoma (2026)",{"type":7,"value":8,"toc":693},"minimark",[9,14,75,79,83,279,282,285,288,292,298,314,317,331,334,354,357,479,482,489,493,499,537,549,560,577,580,584,590,603,611,615,684,687],[10,11,13],"h2",{"id":12},"summary","Summary",[15,16,17,37,48,54,57,64],"ul",{},[18,19,20,24,25,28,29,36],"li",{},[21,22,23],"strong",{},"State Farm is the cheapest car insurance company in Oklahoma",", averaging ",[21,26,27],{},"$39/month for liability-only and $85 for full coverage",", per ",[30,31,35],"a",{"href":32,"rel":33},"https://insurify.com/car-insurance/oklahoma/",[34],"nofollow","Insurify rate data"," current as of September 30, 2026. It beats USAA ($49 / $105, military-only) outright, which happens in few states. Progressive is third at $56 / $94.",[18,38,39,40,43,44,47],{},"Oklahoma averages ",[21,41,42],{},"$83/month for liability and $169 for full coverage",", about $2,026 a year, roughly ",[21,45,46],{},"10% below the national average"," on full coverage despite sitting in Tornado Alley.",[18,49,50,53],{},[21,51,52],{},"Rates are falling."," Oklahoma peaked at $2,200 a year in July 2025, almost a year after the rest of the country, and has come down about 8% since. The first half of 2026 fell 2.4%, with another 1% drop projected for the second half. Over five years: Oklahoma +39%, the country +44%.",[18,55,56],{},"The table is wide at the top and wider at the bottom: Liberty Mutual's $135 liability rate is nearly three and a half times State Farm's.",[18,58,59,60,63],{},"Oklahoma requires ",[21,61,62],{},"25/50/25 liability",", must offer uninsured motorist coverage that you can only decline in writing, and enforces coverage through an online verification system at the roadside.",[18,65,66,69,70,74],{},[21,67,68],{},"Oklahoma City ($96/month for liability) pays 50% more than Bartlesville ($64)",", with Tulsa and Norman close behind the capital. ",[30,71,73],{"href":72},"/","See where your ZIP code lands"," before your next renewal.",[10,76,78],{"id":77},"cheapest-car-insurance-companies-in-oklahoma","Cheapest Car Insurance Companies in Oklahoma",[80,81,82],"p",{},"Oklahoma's table has an unusual shape. State Farm leads outright, and it leads over USAA, which in most states is the cheapest carrier for the drivers who can buy it. Below those two, Progressive holds third on both coverage levels, then the field spreads: GEICO at $79 for liability is twice State Farm, Allstate at $105 nearly three times, and Liberty Mutual at $135 nearly three and a half.",[84,85,86,102],"table",{},[87,88,89],"thead",{},[90,91,92,96,99],"tr",{},[93,94,95],"th",{},"Insurance company",[93,97,98],{},"Liability only (mo.)",[93,100,101],{},"Full coverage (mo.)",[103,104,105,117,128,139,150,161,172,182,193,204,215,226,237,248,257,268],"tbody",{},[90,106,107,111,114],{},[108,109,110],"td",{},"State Farm",[108,112,113],{},"$39",[108,115,116],{},"$85",[90,118,119,122,125],{},[108,120,121],{},"USAA*",[108,123,124],{},"$49",[108,126,127],{},"$105",[90,129,130,133,136],{},[108,131,132],{},"Progressive",[108,134,135],{},"$56",[108,137,138],{},"$94",[90,140,141,144,147],{},[108,142,143],{},"Mercury",[108,145,146],{},"$61",[108,148,149],{},"$134",[90,151,152,155,158],{},[108,153,154],{},"The General",[108,156,157],{},"$65",[108,159,160],{},"$190",[90,162,163,166,169],{},[108,164,165],{},"National General",[108,167,168],{},"$66",[108,170,171],{},"$138",[90,173,174,177,180],{},[108,175,176],{},"AssuranceAmerica",[108,178,179],{},"$75",[108,181,171],{},[90,183,184,187,190],{},[108,185,186],{},"Safeco",[108,188,189],{},"$76",[108,191,192],{},"$154",[90,194,195,198,201],{},[108,196,197],{},"GEICO",[108,199,200],{},"$79",[108,202,203],{},"$159",[90,205,206,209,212],{},[108,207,208],{},"Bristol West",[108,210,211],{},"$81",[108,213,214],{},"$198",[90,216,217,220,223],{},[108,218,219],{},"Farmers",[108,221,222],{},"$83",[108,224,225],{},"$179",[90,227,228,231,234],{},[108,229,230],{},"Root",[108,232,233],{},"$89",[108,235,236],{},"$145",[90,238,239,242,245],{},[108,240,241],{},"Direct Auto",[108,243,244],{},"$103",[108,246,247],{},"$199",[90,249,250,253,255],{},[108,251,252],{},"Allstate",[108,254,127],{},[108,256,160],{},[90,258,259,262,265],{},[108,260,261],{},"Shelter",[108,263,264],{},"$116",[108,266,267],{},"$252",[90,269,270,273,276],{},[108,271,272],{},"Liberty Mutual",[108,274,275],{},"$135",[108,277,278],{},"$226",[80,280,281],{},"Source: rate data current as of September 30, 2026. *USAA is available only to military members, veterans, and their families. Actual quotes vary by driver profile.",[80,283,284],{},"Two notes on the table. Shelter, the regional carrier that wins the customer-service ratings for Oklahoma's part of the country, is expensive on liability here; service and price are separate questions. And Progressive's full-coverage rate ($94) is closer to State Farm's ($85) than its liability rate suggests, which makes it the second quote worth getting if you need comprehensive and collision.",[80,286,287],{},"The other data sets don't line up with this one. NerdWallet's June 2026 analysis names Progressive the cheapest full-coverage carrier in Oklahoma at about $1,658 a year and puts the state's full-coverage average at $2,528. Experian's May 2026 marketplace data names Liberty Mutual's direct channel cheapest at $127 a month for full coverage, which in this table is the most expensive carrier. Different panels, different driver mixes. The practical answer is to quote State Farm, Progressive and USAA if you're eligible, add Mercury or National General, and let the quotes settle it.",[10,289,291],{"id":290},"how-much-is-car-insurance-in-oklahoma","How Much Is Car Insurance in Oklahoma?",[80,293,294,297],{},[21,295,296],{},"Oklahoma averages $83/month for liability-only and $169/month for full coverage",", about $2,026 a year for full coverage, against a national average of $99 and $187.",[80,299,300,301,304,305,308,309,313],{},"The five-year series tells a different story from most states. Oklahoma's full-coverage average started at $1,458 a year in September 2021, held near $1,500 through 2022, then climbed through 2023 and 2024 to $2,167 by July 2024. Where the national average peaked that August and began easing, Oklahoma dipped briefly and then kept rising, to a ",[21,302,303],{},"peak of $2,200 in July 2025",", almost a year after the rest of the country turned. The decline since has been steady: $2,105 by October 2025, $2,058 in January 2026, and ",[21,306,307],{},"$2,026 in September 2026",", down about 8% from the peak. Costs fell 2.4% in the first half of 2026, and the projection is a further 1% drop in the second half, while the national average is expected to tick back up by year-end. Over the full five years, Oklahoma rose 39% and the country 44%. Our ",[30,310,312],{"href":311},"/insights/average-rates-september-2026","September rate report"," has the national picture.",[80,315,316],{},"Why Oklahoma runs below the national average despite its weather:",[15,318,319,325],{},[18,320,321,324],{},[21,322,323],{},"Low population density"," holds down the crash frequency that drives liability costs in denser states.",[18,326,327,330],{},[21,328,329],{},"A competitive table."," Three carriers under $60 for liability, and a cheapest carrier that undercuts USAA.",[80,332,333],{},"And why it isn't lower still:",[15,335,336,342,348],{},[18,337,338,341],{},[21,339,340],{},"Hail and severe wind."," The Oklahoma Insurance Department names frequent hail and wind damage as a driver of the state's costs, and both are comprehensive claims, which is why the gap between liability and full coverage here ($86 a month) is larger than the gap between Oklahoma and the country.",[18,343,344,347],{},[21,345,346],{},"Uninsured drivers."," The same department points to Oklahoma's high share of uninsured drivers, which raises costs for everyone who does buy coverage.",[18,349,350,353],{},[21,351,352],{},"Credit."," Oklahoma insurers may use credit-based insurance scores, and the state's average credit score (683) runs below the national 705, per Equifax figures cited in the same analysis.",[80,355,356],{},"City spread:",[84,358,359,370],{},[87,360,361],{},[90,362,363,366,368],{},[93,364,365],{},"City",[93,367,98],{},[93,369,101],{},[103,371,372,383,393,404,415,426,436,447,457,468],{},[90,373,374,377,380],{},[108,375,376],{},"Bartlesville",[108,378,379],{},"$64",[108,381,382],{},"$127",[90,384,385,388,390],{},[108,386,387],{},"Enid",[108,389,168],{},[108,391,392],{},"$131",[90,394,395,398,401],{},[108,396,397],{},"Ponca City",[108,399,400],{},"$68",[108,402,403],{},"$133",[90,405,406,409,412],{},[108,407,408],{},"Ardmore",[108,410,411],{},"$69",[108,413,414],{},"$156",[90,416,417,420,423],{},[108,418,419],{},"Stillwater",[108,421,422],{},"$70",[108,424,425],{},"$141",[90,427,428,431,434],{},[108,429,430],{},"Muskogee",[108,432,433],{},"$71",[108,435,171],{},[90,437,438,441,444],{},[108,439,440],{},"Lawton",[108,442,443],{},"$74",[108,445,446],{},"$165",[90,448,449,452,455],{},[108,450,451],{},"Norman",[108,453,454],{},"$86",[108,456,203],{},[90,458,459,462,465],{},[108,460,461],{},"Tulsa",[108,463,464],{},"$91",[108,466,467],{},"$166",[90,469,470,473,476],{},[108,471,472],{},"Oklahoma City",[108,474,475],{},"$96",[108,477,478],{},"$187",[80,480,481],{},"Source: Oklahoma city rate data, current as of September 30, 2026.",[80,483,484,485,488],{},"The spread runs from the small cities of the north and west to the two metros. Oklahoma City is the most expensive on both coverage levels, with the source's city-level analysis pointing to road conditions, heavy through-traffic on the interstates and vehicle theft; Tulsa adds severe-weather exposure to above-average theft. Lawton, home to Fort Sill, sits in the middle on liability but near the top on full coverage. If you live in the Oklahoma City or Tulsa metros, the carrier spread is bigger than the city spread, so ",[30,486,487],{"href":72},"compare quotes for your ZIP code"," rather than the state average.",[10,490,492],{"id":491},"oklahoma-car-insurance-requirements","Oklahoma Car Insurance Requirements",[80,494,59,495,498],{},[21,496,497],{},"25/50/25 liability coverage",":",[84,500,501,511],{},[87,502,503],{},[90,504,505,508],{},[93,506,507],{},"Coverage type",[93,509,510],{},"Oklahoma minimum",[103,512,513,521,529],{},[90,514,515,518],{},[108,516,517],{},"Bodily injury liability, per person / per accident",[108,519,520],{},"$25,000 / $50,000",[90,522,523,526],{},[108,524,525],{},"Property damage liability, per accident",[108,527,528],{},"$25,000",[90,530,531,534],{},[108,532,533],{},"Uninsured/underinsured motorist",[108,535,536],{},"Must be offered at $25,000 / $50,000; you may reject it in writing",[80,538,539,540,543,544,548],{},"Oklahoma is an ",[21,541,542],{},"at-fault state"," with no personal injury protection requirement. Comprehensive, collision, medical payments and uninsured motorist coverages are all optional, but the uninsured motorist rejection has to be in writing, which is the state's way of making sure you choose it rather than miss it. In a state its own insurance department describes as having a high share of uninsured drivers, that choice matters more than it does elsewhere. Our ",[30,545,547],{"href":546},"/blog/state-minimum-coverage-2026","state minimum coverage guide"," covers why a $25,000 limit and adequate coverage are different things.",[80,550,551,554,555,559],{},[21,552,553],{},"The state checks your coverage at the roadside."," Oklahoma's Compulsory Insurance Law gives law enforcement access to an online insurance verification system, and an officer who can't confirm coverage there or on your card can cite you on the spot. The penalty is a fine of up to $250, up to 30 days in jail, or both, plus suspension of your driving privilege. Our ",[30,556,558],{"href":557},"/blog/car-insurance-after-coverage-lapse","coverage-lapse guide"," covers what a gap does to your next quote.",[80,561,562,563,566,567,571,572,576],{},"Oklahoma uses the ",[21,564,565],{},"SR-22"," when a driver has to prove coverage to the state after a DUI, a suspension or an uninsured citation. Our ",[30,568,570],{"href":569},"/blog/what-is-sr-22-insurance","SR-22 explainer"," covers the filing, and our ",[30,573,575],{"href":574},"/blog/car-insurance-suspended-license","suspended-license guide"," covers reinstatement.",[80,578,579],{},"One Oklahoma-specific saving is written into state law: insurers must offer a premium discount to drivers who complete an approved accident-prevention course, per the same source's summary of the state's discount rules. Ask for it by name.",[10,581,583],{"id":582},"high-risk-drivers-in-oklahoma","High-Risk Drivers in Oklahoma",[80,585,586,589],{},[21,587,588],{},"Drivers with a DUI conviction average $158 a month in Oklahoma, about 71% more than drivers with clean records",", per the same rate data as the tables above. For the other marks, MoneyGeek's 2026 analysis, which uses its own rate panel, puts a speeding ticket at about $29 a month more on full coverage, an at-fault accident at $48 more, and a DUI at $55 more; the percentages differ from the table above because the panels do, but the order is the same everywhere: ticket, accident, DUI.",[80,591,592,593,597,598,602],{},"A DUI in Oklahoma also brings the SR-22 filing and, usually, a shorter list of carriers willing to write the policy. The cheapest clean-record carriers aren't always the cheapest after a conviction; specialist and nonstandard carriers in the table above, The General, Bristol West, Direct Auto, exist for exactly this situation, and are worth quoting even though their clean-record rates look expensive. Our ",[30,594,596],{"href":595},"/blog/how-to-lower-rate-after-accident","post-accident rate guide"," covers what moves after a claim, and our ",[30,599,601],{"href":600},"/guide/dui-bad-record","DUI and bad-record guide"," covers how long a conviction follows you.",[80,604,605,606,610],{},"Credit counts here too. With a state average score of 683 against a national 705, more Oklahoma drivers land in the tiers that insurers price up. Our ",[30,607,609],{"href":608},"/guide/credit-score","credit-score guide"," covers the playbook.",[10,612,614],{"id":613},"how-to-save-on-car-insurance-in-oklahoma","How to Save on Car Insurance in Oklahoma",[616,617,618,624,635,646,657,663,669],"ol",{},[18,619,620,623],{},[21,621,622],{},"Quote State Farm first."," It's the cheapest open-to-everyone carrier on both coverage levels, and cheaper than USAA, which almost never happens.",[18,625,626,629,630,634],{},[21,627,628],{},"Then Progressive and, if anyone in your household served, USAA."," Progressive's full-coverage rate is within $9 of State Farm's; USAA's liability rate is within $10. Three quotes at the top of the table is the floor. Our ",[30,631,633],{"href":632},"/blog/usaa-eligibility-2026","USAA eligibility post"," covers who qualifies.",[18,636,637,640,641,645],{},[21,638,639],{},"Keep uninsured motorist coverage."," You'd have to reject it in writing, and in a state with a high uninsured share it's the coverage most likely to pay out for you. Our ",[30,642,644],{"href":643},"/blog/does-not-at-fault-accident-raise-rates","not-at-fault accident explainer"," covers what happens when the other driver has nothing.",[18,647,648,651,652,656],{},[21,649,650],{},"Price full coverage against the car, not the habit."," Comprehensive and collision add about $86 a month in Oklahoma. On a paid-off car worth $5,000 that's a hard trade; on anything you'd struggle to replace after a hailstorm, it isn't. Our ",[30,653,655],{"href":654},"/blog/comprehensive-vs-collision-coverage","comprehensive vs. collision explainer"," covers which one hail falls under.",[18,658,659,662],{},[21,660,661],{},"Take the accident-prevention course."," The discount is required by state law; insurers don't volunteer it.",[18,664,665,668],{},[21,666,667],{},"Mind your credit, bundle, and ask about telematics."," Oklahoma insurers may price on credit, a home-and-auto bundle cuts both premiums, and State Farm and Progressive both run usage-based programs.",[18,670,671,674,675,679,680,683],{},[21,672,673],{},"Re-shop at renewal, especially if you last shopped in 2025."," Oklahoma's rates peaked that July and have fallen 8% since; a policy priced at the peak is paying for it. Check the ",[30,676,678],{"href":677},"/cheapest-car-insurance-companies-2026","national standings",", then ",[30,681,682],{"href":72},"price your own profile"," against the tables above.",[685,686],"hr",{},[80,688,689],{},[690,691,692],"em",{},"Rate data from Insurify's Oklahoma car insurance analysis, updated October 14, 2026, with table rates current as of September 30, 2026, based on real-time quotes from 500+ partner insurers and Quadrant Information Services estimates, for drivers ages 20–70 with clean records and average or better credit unless noted. Full-coverage figures reflect 50/100/50 limits with $1,000 collision and comprehensive deductibles. Monthly series September 2021–September 2026, the first-half 2026 change, the second-half projection, the DUI figure and the city notes from the same source; hail, wind and uninsured-driver factors per the Oklahoma Insurance Department as cited there; the accident-prevention course discount and the written UM rejection per the same source's Oklahoma discount and requirements pages, citing the Oklahoma Insurance Department; the credit-score comparison per Equifax as cited there. Minimum limits and the written UM rejection per the Oklahoma Insurance Department. Compulsory Insurance Law penalties (fine up to $250, up to 30 days, or both, plus suspension of driving privilege; online verification) per 47 O.S. § 7-606 as carried in the Oklahoma Legislature's current bill text. NerdWallet's June 2026, Experian's May 2026 and MoneyGeek's 2026 figures noted for lane comparison only. Actual quotes vary by driver profile.",{"title":694,"searchDepth":695,"depth":695,"links":696},"",2,[697,698,699,700,701,702],{"id":12,"depth":695,"text":13},{"id":77,"depth":695,"text":78},{"id":290,"depth":695,"text":291},{"id":491,"depth":695,"text":492},{"id":582,"depth":695,"text":583},{"id":613,"depth":695,"text":614},null,"savings","Oklahoma City pays 50% more than Bartlesville.","$39/mo for liability (Sep 2026)","OK","2026-10-16","State Farm leads Oklahoma at $39/mo for liability. Rates peaked a year after the rest of the U.S. and are still falling: who's cheapest, where, and why.",false,"md",[713,716,719,722,725,728],{"question":714,"answer":715},"Which company has the cheapest car insurance in Oklahoma?","State Farm has the lowest average rates in Oklahoma: $39 per month for liability-only coverage and $85 for full coverage, per rate data current as of September 30, 2026. It beats even USAA, which is second at $49 and $105 and sells only to military members, veterans and their families. Progressive is third at $56 and $94. From there the table climbs fast: GEICO is $79 for liability, Allstate $105, and Liberty Mutual $135, nearly three and a half times State Farm.",{"question":717,"answer":718},"How much is car insurance in Oklahoma in 2026?","Oklahoma drivers pay an average of $83 per month for liability-only coverage and $169 per month for full coverage, against a national average of $99 and $187. Full coverage averages about $2,026 a year. That is about 10% below the U.S. figure on full coverage and 16% below on liability, which is unusual for a state with Oklahoma's hail and wind exposure; a low population density and a competitive table of insurers hold the average down.",{"question":720,"answer":721},"Are car insurance rates going up or down in Oklahoma?","Down, for now. Oklahoma's full-coverage average peaked at $2,200 a year in July 2025, almost a year after the national peak, and has fallen about 8% since, to $2,026 in September 2026. Costs dipped 2.4% in the first half of 2026 and are projected to fall roughly 1% more in the second half, while the national trend is expected to turn back up by year-end. Over five years Oklahoma is up 39% against 44% for the country.",{"question":723,"answer":724},"What are Oklahoma's minimum car insurance requirements?","Oklahoma requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. Insurers must offer uninsured/underinsured motorist coverage, and you have to reject it in writing if you don't want it. Comprehensive, collision and medical payments coverage are optional. Oklahoma is an at-fault state.",{"question":726,"answer":727},"What happens if you drive without insurance in Oklahoma?","Oklahoma's Compulsory Insurance Law carries a fine of up to $250, up to 30 days in jail, or both, plus suspension of your driving privilege. Law enforcement checks coverage against the state's online insurance verification system at traffic stops, so a lapsed policy is caught at the roadside rather than at renewal. Oklahoma's insurance department cites the state's high share of uninsured drivers as one reason everyone else's premiums run higher than they otherwise would.",{"question":729,"answer":730},"How much does a DUI raise car insurance in Oklahoma?","Oklahoma drivers with a DUI conviction pay an average of $158 per month for car insurance, about 71% more than drivers with clean records, per the same rate data as this guide's tables. Oklahoma uses the SR-22 filing after a DUI or a suspension, and the cheapest carriers for high-risk drivers are not always the cheapest for clean records, so shop the filing separately.",{},true,"/cheap-car-insurance-oklahoma-2026",[735,739,743,747,751,754],{"path":736,"title":737,"description":738},"/cheap-car-insurance-texas-2026","Cheapest Car Insurance in Texas (2026)","The cheapest Texas insurers compared by city, driver profile, and coverage level.",{"path":740,"title":741,"description":742},"/cheap-car-insurance-missouri-2026","Cheapest Car Insurance in Missouri (2026)","The cheapest Missouri insurers compared by city, driver profile, and coverage level.",{"path":744,"title":745,"description":746},"/cheap-car-insurance-colorado-2026","Cheapest Car Insurance in Colorado (2026)","The cheapest Colorado insurers compared by city, driver profile, and coverage level.",{"path":748,"title":749,"description":750},"/cheap-car-insurance-new-mexico-2026","Cheapest Car Insurance in New Mexico (2026)","The cheapest New Mexico insurers compared by city, driver profile, and coverage level.",{"path":677,"title":752,"description":753},"Cheapest Car Insurance Companies of 2026","The cheapest car insurance companies ranked nationally.",{"path":755,"title":756,"description":757},"/best-car-insurance-companies-2026","Best Car Insurance Companies of 2026","Top insurers ranked by claims satisfaction, financial strength, and fit.","guide",{"title":5,"description":709},"cheap-car-insurance-oklahoma-2026",[762,763,764,765,766,767,768],"oklahoma","cheap car insurance","state guide","state farm","oklahoma city","tulsa","2026 rates","JhOwcv3tfFCRN666IsrJweWf60pHyEjR7Bl3MeL3Lxw"]