Best Cheap Car Insurance in Oklahoma City

Author:

Oklahoma City car insurance rates may not seem cheap when you think of them.

NerdWallet’s 2021 rates analysis revealed that Oklahoma City’s average auto insurance cost $1,880 per year. That’s $133 above the Oklahoma average and $285 more than the average cost of car insurance nationwide.

Those average rates are based on a 40-year-old with a clean driving record, buying full coverage car insurance. You might pay more depending on your driving record, insurance company and car.

If you’d rather keep some of those dollars in your pocket, make sure to compare car insurance rates before you buy. We compared rates from Oklahoma’s 14 insurance companies for different types of drivers to find Oklahoma City auto insurance rates that were lower than the Oklahoma average.

It is important to shop around, as every driver is unique, so your actual rate may differ from what is shown. These are the five best options for drivers within the Oklahoma City metropolitan region.

Oklahoma City’s lowest car insurance for drivers aged 20 years old

For drivers in their 20s, it may be necessary to obtain a number of quotes in order to find affordable car insurance. Younger drivers can pay a lot more for car insurance, but the prices tend to drop as they get more experience. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.

ALSO READ  Average cost of renters insurance

Oklahoma City’s lowest full-coverage car insurance for 20-year olds

These companies have the lowest average rates for drivers in Oklahoma City.

  1. Geico: $1661 per annum
  2. American Farmers & Ranchers: $22,229 per annum
  3. State Farm: $32,229 per annum
  4. Farmers: $3442 per annum
  5. Oklahoma Farm Bureau: $3564 per annum

Oklahoma City’s minimum coverage car insurance is the cheapest for 20-year olds

These companies have the lowest rates for drivers in Oklahoma City.

  1. Geico: $568/year
  2. American Farmers & Ranchers: $595 annually
  3. Allstate: $882/year
  4. State Farm: $1.005 per Year
  5. Progressive: $1,104/year

Oklahoma City’s lowest auto insurance for 20-year olds with bad credit

Oklahoma City drivers with poor credit should consider the following insurance companies with the lowest minimum rates.

  1. Geico: $815/year
  2. American Farmers & Ranchers: $924 annually
  3. Allstate: $1.102 per annum
  4. Equity: $1,322 annually
  5. Oklahoma Farm Bureau: $1.322 per annum

Oklahoma City’s lowest auto insurance for drivers aged 20 with only one at-fault accident

Here are the minimum coverage rates available for drivers who have been in an accident in Oklahoma City.

  1. Geico: $937/year
  2. American Farmers & Ranchers: $1.074 per annum
  3. Allstate: $1.183 per annum
  4. State Farm: $13,336 per annum
  5. Equity: $1,475/year
ALSO READ  Finding car insurance in Massachusetts after a DUI

After a DUI, Oklahoma City offers the lowest auto insurance for drivers aged 20 years old.

Here is the list of insurers’ minimum coverage rates and the cheapest auto insurance that we found.

  1. Geico: $1.078 per annum
  2. Allstate: $1.167 per annum
  3. Progressive: $1,248/year
  4. American Farmers & Ranchers: $1.303 per annum
  5. Mercury: $1,382 annually

For 30-year-old drivers, Oklahoma City offers the best car insurance

Most drivers will find that their car insurance rates are much lower than they were in their 20s and 30s. However, driving records and the make and model of the car can affect how much you pay. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

For 30-year-olds, Oklahoma City has the lowest full coverage auto insurance

These companies may offer the lowest rates to drivers in Oklahoma City who have a clean driving record.

  1. Geico: $1.028 per annum
  2. American Farmers & Ranchers: $1615 per annum
  3. Farmers: $1631 per annum
  4. Progressive: $1762 per annum
  5. Oklahoma Farm Bureau: $1781 per annum
ALSO READ  Are Employer Insurance Plans Taken Directly From Paycheck?

Oklahoma City’s minimum coverage car insurance is the cheapest for 30-year-olds

Oklahoma City drivers who need minimum coverage in their state can check with these companies. They have the lowest average rates.

  1. Geico: $322/year
  2. American Farmers & Ranchers: $361 annually
  3. State Farm: $441/year
  4. Farmers: $487 annually
  5. Mercury: $57 per annum

For 30-year-olds with bad credit, the best auto insurance in Oklahoma City

For full coverage, drivers with bad credit in Oklahoma City need to consider these companies:

  1. Geico: $1.523 per annum
  2. Oklahoma Farm Bureau: $1.981 per annum
  3. American Farmers & Ranchers: $25,518 per annum
  4. Farmers: $2573 per annum
  5. Mercury: $2898 per annum

Oklahoma City’s lowest auto insurance for drivers aged 30 with only one at-fault accident

Here are the best options for Oklahoma City drivers who have been in an accident.

  1. Geico: $18,846 per annum
  2. Oklahoma Farm Bureau: $1.938 per annum
  3. State Farm: $2257 per annum
  4. Farmers: $2272 per annum
  5. American Farmers & Ranchers: $2781 per annum

After a DUI, Oklahoma City offers the lowest auto insurance for drivers aged 30 years old.

We found these options to be the best auto insurance for a DUI.

  1. Geico: $1.937 per annum
  2. Farmers: $2.155 per annum
  3. Progressive: $2,176 annually
  4. State Farm: $2.553 per annum
  5. Mercury: $2592 per annum
ALSO READ  Advantage of Mutual Fund Investment

For drivers aged 40 and over, Oklahoma City offers the lowest car insurance

While drivers in their 40s are more likely to be insured at lower rates than those in their 20s, they still have to pay more than drivers in their 50s. It is a good idea to shop around for low-cost car insurance quotes from multiple insurers. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

For 40-year-olds, Oklahoma City has the best car insurance with full coverage

These companies have the lowest average rates for drivers in Oklahoma City.

  1. Geico: $1.016 per annum
  2. American Farmers & Ranchers: $1615 per annum
  3. Farmers: $1 642 per annum
  4. Progressive: $1710 per annum
  5. State Farm: $1.773 per annum

Minimum coverage car insurance Oklahoma City is the cheapest for 40-year olds

Oklahoma City drivers who only need the minimum coverage might want to compare prices with these companies. They had the lowest average rates.

  1. Geico: $320/year
  2. American Farmers & Ranchers: $361 annually
  3. State Farm: $434/year
  4. Farmers: $471 annually
  5. Mercury: $54 per annum
ALSO READ  Best car insurance in Rhode Island

For 40-year-olds who have poor credit, the best auto insurance in Oklahoma City

Oklahoma City drivers with poor credit can look into the following insurance companies for full coverage.

  1. Geico: $1.504 per annum
  2. Oklahoma Farm Bureau: $1.981 per annum
  3. American Farmers & Ranchers: $25,518 per annum
  4. Farmers: $2614 annually
  5. Mercury: $2658 per annum

Oklahoma City’s lowest auto insurance for drivers 40 years old with one at fault crash

Here are the best companies for drivers who have been in an accident and live in Oklahoma City.

  1. Geico: $18,808 per annum
  2. Oklahoma Farm Bureau: $1.938 per annum
  3. State Farm: $2196 per annum
  4. Farmers: $2,308 annually
  5. American Farmers & Ranchers: $2781 per annum

After a DUI, the best auto insurance in Oklahoma City is for drivers aged 40 and older.

These are the companies that provided full coverage insurance for DUI drivers.

  1. Geico: $2,000.
  2. Progressive: $2,121 annually
  3. Farmers: $2,187 annually
  4. Mercury: $24,421 per annum
  5. State Farm: $2.484 per annum

Oklahoma City’s lowest-priced car insurance for 50-year old drivers

Car insurance rates for drivers in their 50s are lower than average for all age groups. As they get more driving experience and reach their 60s, prices will continue to fall. Rates will still vary depending on factors like the driver’s gender or whereabouts. It’s wise to shop around for the best rate. Our list of the best cheap car insurance companies is a good place to start.

ALSO READ  Purchase Your Car Insurance The Right Way

Oklahoma City’s 50-year-olds have the lowest full-coverage car insurance

These insurers offer the lowest rates for drivers in Oklahoma City who have clean driving records.

  1. Geico: $1.032 per annum
  2. Farmers: $1.531 per annum
  3. Shelter: $1551 per annum
  4. Mercury: $1,587/year
  5. American Farmers & Ranchers: $1593 per annum

Oklahoma City’s minimum coverage car insurance is the cheapest for 50-year olds

Oklahoma City drivers who choose to have the minimum coverage offered by the state may be interested in the following companies with the lowest rates:

  1. Geico: $327/year
  2. American Farmers & Ranchers: $353 per year
  3. Mercury: $414/year
  4. State Farm: $422/year
  5. Farmers: $423 annually

Oklahoma City’s lowest auto insurance for 50-year olds with bad credit

Oklahoma City drivers with poor credit can check with these companies for coverage. They have the lowest rates on full coverage.

  1. Geico: $15,528 per annum
  2. Oklahoma Farm Bureau: $18,838 per annum
  3. Mercury: $2,331 annually
  4. Say Insurance: $23,398 per Year
  5. Farmers: $2450 annually

Oklahoma City’s lowest auto insurance for 50-year old drivers who have had one at-fault accident

Here are the best insurers for Oklahoma City residents who have been in an accident.

  1. Oklahoma Farm Bureau: $1797 per annum
  2. Geico: $28,081 per annum
  3. State Farm: $2130 per annum
  4. Farmers: $2,236 annually
  5. American Farmers & Ranchers: $2747 per annum
ALSO READ  Purchase Your Car Insurance The Right Way

After a DUI, Oklahoma City offers the lowest auto insurance for 50-year old drivers

These are the companies that offer auto insurance for drivers who have had a DUI in the past. Rates for full coverage are included.

  1. Progressive: $2,013/year
  2. Farmers: $2,118 annually
  3. Geico: $2130 per annum
  4. Mercury: $2,236/year
  5. State Farm: $2410 per annum

For 65-year-old drivers, Oklahoma City has the best car insurance

65-year-olds are more affordable than other age groups in car insurance, but prices will rise as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Senior citizens are eligible for discounts, so drivers in this age group should shop around to find the best rate.

For 65-year-olds, Oklahoma City has the best full coverage auto insurance

These companies offer the lowest rates for drivers in Oklahoma City.

  1. Geico: $1.069 per annum
  2. Farmers: $1.543 per annum
  3. Shelter: $1551 per annum
  4. Oklahoma Farm Bureau: $1.554 per annum
  5. Progressive: $1,590/year
ALSO READ  Has An Insurance Claim Ever Been Filed On This Vehicle?

Oklahoma City’s minimum coverage car insurance is the cheapest for 65-year olds

These insurers have the lowest rates for drivers in Oklahoma City.

  1. American Farmers & Ranchers: $361 annually
  2. Geico: $363/year
  3. State Farm: $400/year
  4. Farmers: $439/year
  5. Oklahoma Farm Bureau: $465 annually

Oklahoma City’s lowest auto insurance for 65-year olds with bad credit

For full coverage, drivers with poor credit in Oklahoma City should look into the following companies:

  1. Geico: $1585 per annum
  2. Oklahoma Farm Bureau: $1722 per annum
  3. Say Insurance: $23,398 per Year
  4. Farmers: $2,501 annually
  5. American Farmers & Ranchers: $25,518 per annum

Oklahoma City’s lowest auto insurance for 65-year old drivers who have had one at-fault accident

Here are the best companies for drivers who have been in an accident and live in Oklahoma City.

  1. Oklahoma Farm Bureau: $1690 per annum
  2. State Farm: $2,000.8 per annum
  3. Geico: $2208 per annum
  4. Farmers: $2,314 annually
  5. American Farmers & Ranchers: $2781 per annum

After a DUI, Oklahoma City offers the lowest auto insurance for 65-year old drivers

These are the companies that provided us with the cheapest auto insurance after a DUI. We have listed their average rates for full coverage.

  1. Geico: $2116 per annum
  2. Progressive: $2154 per annum
  3. Farmers: $2195 per annum
  4. State Farm: $2.274 per annum
  5. Oklahoma Farm Bureau: $24,405 per annum
ALSO READ  Finding car insurance in Massachusetts after a DUI

Military families get the best car insurance in Oklahoma City

You’ll likely get a very low rate if you are an active military member or veteran, or have a family member who is.

USAA is not ranked among the other options, but it was one of the five cheapest auto insurance options for 38 out of 40 driver profiles that we reviewed.

>> MORE: Best car insurance for veterans and military

Oklahoma City minimum required auto insurance

Insurance policies for cars in Oklahoma City and elsewhere must include liability insurance. This helps to cover the cost of property damage or treatment for injuries if you are involved in an accident.

These are the minimum amounts that your policy must contain:

  • $25,000 bodily injury liability per individual
  • $50k bodily injury liability per incident
  • $25,000 per incident for property damage liability

This is sufficient to allow you to drive legally. Check out NerdWallet’s guide to minimum car insurance requirements by state for details on other coverages you can add and how their limits work.

ALSO READ  Are Employer Insurance Plans Taken Directly From Paycheck?

Oklahoma City alternative auto insurance

If poor credit, a spotty driving record or other factors are preventing you from getting auto insurance on the voluntary market, you may qualify for coverage through the Oklahoma Automobile Insurance Plan.

NerdWallet also helps you find affordable auto insurance in Oklahoma City. Use our car insurance comparison tool to see rates from top companies.

Table of Contents