2022 Best Cheap Auto Insurance in Oklahoma

These insurers are also some of the best car insurance companies in Oklahoma:

  • AFR Insurance, which charges men about $1,572 per year and women about $1,522 per year for Oklahoma car insurance
  • Mercury Insurance, where women pay around $1,623 per year and men pay a little more at $1,625 per year

Ideal for drivers with previous accidents

Even a single accident significantly increases Oklahoma’s average auto insurance premium. These drivers pay around $2,936 per year on average, although those who opt for AFR Insurance only pay $1,522 per year.

Drivers with an accident history can also get cheap auto insurance quotes in Oklahoma from these companies:

  • Oklahoma Farm Bureau Insurance, which charges these drivers about $2,343 per year
  • Geico, where drivers with accidents pay about $2,428 a year for Oklahoma auto insurance

Ideal for drivers with speeding tickets

Speeding fines also increase the typical Oklahoma car insurance premium. Drivers with just one speeding ticket pay around $2,719 a year, but those who choose Geico can save around $700. It only charges these drivers about $2,005 per year.

Drivers with speeding tickets can also purchase low-cost car insurance from these companies:

  • Allstate, which charges these drivers about $2,102 per year
  • Mercury Insurance, where drivers with speeding tickets pay $2,153 per year

Ideal for young drivers

Teen drivers pay higher than average rates for their Oklahoma auto insurance. The average annual premium for an 18-year-old male with a clean criminal record is $7,196 per year. But those who opt for AFR Insurance will pay less than a third of that. Its average annual premium for these drivers is just $2,070.

Teen drivers can also get cheap car insurance in Oklahoma from these companies:

  • Shelter Insurance, which charges teens about $4,393 a year
  • Geico, where teen drivers pay about $5,629 a year for Oklahoma car insurance

Ideal for senior drivers

A 65-year-old driver pays about $1,953 per year on average for auto insurance in Oklahoma. But those who opt for Geico only pay around $1,387 per year.

These companies also offer affordable auto insurance in Oklahoma for seniors:

  • Shelter Insurance, where seniors pay about $1,495 per year
  • AFR Insurance, which charges a 65-year-old driver with a clean record about $1,572 a year

Ideal for drivers looking for minimal coverage

Oklahoma’s minimum auto insurance costs about $547 per year on average. But those who choose Mercury Insurance get the same coverage for just $329 a year.

Drivers can also find inexpensive liability insurance in Oklahoma from these companies:

  • Geico, where minimum state coverage costs $352 per year
  • AFR Insurance, where minimum coverage costs around $370 per year

Ideal for drivers with bad credit

Bad credit will raise an Oklahoma driver’s insurance rates to about $3,625 per year on average. But those who choose AFR Insurance will only pay around $2,333 per year.

These companies also offer some of the best auto insurance in Oklahoma for drivers with poor credit:

  • Oklahoma Farm Bureau Insurance, which charges these drivers about $2,550 per year
  • Geico, where these drivers pay around $2,609 per year

Average cost of car insurance in Oklahoma compared to the national average

How much does car insurance cost in Oklahoma? Much depends on the driver, his vehicle, his address, etc. For most drivers, Oklahoma car insurance premiums are pretty close to the national average, though teen drivers can expect to pay more than the average. Here’s a look at how Oklahoma’s average premiums compare to the rest of the country for several of the driver profiles mentioned above.


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Justin D. O'Neill