Best Oklahoma City, OK Auto Insurance in 2025 (Find the Top 10 Companies Here)
State Farm, Progressive, and Geico provide the best Oklahoma City, OK, auto insurance with monthly rates starting at just $30. State Farm offers 17% bundling discounts with B ratings. Progressive has A+ ratings and offers customizable options. Geico has 25% ratings and offers various discounts.
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Heidi Mertlich
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Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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UPDATED: Apr 15, 2025
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18,154 reviewsCompany Facts
Full Coverage in Oklahoma City OK
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
13,283 reviewsCompany Facts
Full Coverage in Oklahoma City OK
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
19,116 reviewsCompany Facts
Full Coverage in Oklahoma City OK
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsState Farm, Progressive, and Geico are among the best auto insurance in Oklahoma City, OK. State Farm provides discounts like accident-free, good students, and many more. Progressive’s discounts offer multi-policy, and Geico provides military discounts.
These providers of the best auto insurance here in Oklahoma City, OK, also offer other discounts and bundling that can help you enjoy premium coverage while saving big. See more details below.
Our Top 10 Company Picks: Best Oklahoma City, OK Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Affordable Coverage | State Farm |
 | #2 | 10% | A+ | Customizable Options | Progressive |
 | #3 | 25% | A++ | Various Discounts | Geico |
 | #4 | 25% | A+ | Comprehensive Benefits | Allstate |
 | #5 | 20% | A+ | Usage-Based Savings | Nationwide |
 | #6 | 10% | A++ | Military Focus | USAA |
 | #7 | 13% | A++ | Accident Forgiveness | Travelers |
 | #8 | 25% | A+ | Customer Satisfaction | Erie |
 | #9 | 20% | A | Local Support | Farmers |
 | #10 | 25% | A | Flexible Policies | Liberty Mutual |
Discover other offers, discounts, bundling, and rates by exploring our cheap car insurance rate to have more information to know which of the auto insurance is the best for you here in Oklahoma City, OK.
- Best auto insurance in Oklahoma City, OK, are State Farm, Progressive, and Geico
- State Farm has B ratings and offers affordable coverage with a $39 monthly rate
- Progressive provides multi-policy discounts, and Geico offers military discounts
Want to know more about different discounts, bundling, and rates for the best auto insurance in Oklahoma City, OK? Enter your ZIP code to learn the best auto insurance choices for you.
#1 – State Farm: Top Overall Pick
Pros
- Bundling Perks: Combine vehicle and home protection for notable savings, ideal for managing your car-related expenses efficiently.
- Agent Accessibility: Local professionals make it easier to get tailored vehicle coverage advice. To understand better, read our State Farm auto insurance review.
- Driver-Based Discounts: Rewards for clean driving or academic excellence help lower the cost of keeping your car protected.
Cons
- Less Financial Backing: A slightly weaker rating could concern vehicle owners who want long-term security for their policy.
- Basic Tech Tools: Digital resources for handling your vehicle policy are more limited than modern drivers expect.
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#2 – Progressive: Best for Customizable Options
Pros
- Custom Coverage Options: Provide a design plan around your specific vehicle usage and lifestyle needs.
- Tech-Driven Discounts: Based on our Progressive auto insurance, driving safely or putting fewer miles on your car could lead to big savings.
- Trusted Reputation: Offers a strong foundation that ensures your car is backed by a stable insurer.
Cons
- Premiums for Accidents: If you’ve had incidents behind the wheel, expect to pay more to protect your vehicle.
- Mixed Feedback: Service experiences vary, which could matter when it’s time to deal with a vehicle claim.
#3 – Geico: Best for Various Discounts
Pros
- Affordable Base Rates: Geico has the lowest starting premiums among the other insurance companies in the industry.
- Military & Federal Perks: Offers exclusive discounts and add-ons to military personnel and government workers as a token of appreciation for their service.
- Top-Tier Mobile Tools: Offers award-winning app and seamless digital experience to clients to meet expectations. Discover how it works through our Geico auto insurance.
Cons
- Minimal Agent Support: There are fewer options for those clients who prefer in-person service or local agents.
- Limited Add-On Options: Fewer endorsements for custom policy features. They offer limited add-on options for clients with custom policy features
#4 – Allstate: Best for Comprehensive Benefits
Pros
- Driver Reward Programs: Use telematics to earn lower rates based on your driving habits behind the wheel.
- Claims Confidence: Peace of mind knowing your vehicle is covered with a satisfaction guarantee.
- Expanded Protection: Accident forgiveness and car replacement provide strong support if trouble strikes.
Cons
- Pricey for Young Drivers: Teens and new drivers may face high costs in insuring their first vehicle.
- Dependent Savings: Without bundling, rates for your car might not be as competitive.
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#5 – Nationwide: Best for Usage-Based Savings
Pros
- Mileage-Based Savings: Drive less, pay less, ideal for those rarely use their car, as mentioned in our Nationwide auto insurance review.
- Coverage Reviews: Annual check-ins help ensure your auto plan matches your driving patterns.
- Strong Add-Ons: Additional features make it easier to upgrade your car coverage as your needs grow.
Cons
- Not Universally Available: Certain driving-based discounts may not apply depending on your vehicle’s location.
- Service Variability: Your customer experience may differ, especially during vehicle claims.
#6 – USAA: Best for Military Focus
Pros
- Top-Rated Member Service: USAA is known for keeping their vehicle owners satisfied for long-term services.
- Military-Centered Savings: As mentioned in our USAA auto insurance review, lower rates for those military members and their family vehicles and have savings.
- Reliable Claims Handling: Has a helpful services that provides attentions to your vehicle needs during deployment or travel.
Cons
- Limited Access: Most of the offers can only benefit for military members and their families from this vehicle insurance leader.
- Few Branches: USAA has fewer branches here in Oklahoma, OK. This leads to difficulties for fewer in-support services.
#7 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Ideal for daily commuters navigating OKC traffic who want rate protection after a mishap.
- Eco-Friendly Car Savings: Travelers attracts environmentally conscious drivers with hybrid or electric vehicles. To understand better, read our Travelers auto insurance review.
- Comprehensive Bundling: Great for members and their families who want to combine multiple policies across their household.
Cons
- Basic Digital Tools: May not appeal to tech-first users managing policies in a digital-forward metro environment.
- Not the Cheapest Option: Other providers may better suit minimum-coverage shoppers within city limits.
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#8 – Erie: Best for Customer Satisfaction
Pros
- Exceptional Customer Loyalty: High satisfaction among Midwestern customers translates well to Oklahoma values.
- Rate Lock Guarantee: A smart option for budget-focused locals who want predictable insurance bills year to year.
- Value-Added Coverage: Includes perks helpful during unexpected Oklahoma weather or long road trips outside the city.
Cons
- Regional Availability: May not be a viable long-term option if relocating outside certain parts of Oklahoma. See our Erie insurance review to check your place.
- Limited Online Services: Less ideal for drivers accustomed to mobile-first convenience, as some features may be limited or not as user-friendly compared to top-rated insurance apps.
#9 – Farmers: Best for Local Support
Pros
- Local Agent Access: Strong agent presence across Oklahoma makes it easy to get guidance tailored to your area.
- Flexible Coverage Packages: Supports coverage for everything from rural farming vehicles to rideshare services downtown.
- Solid Claims Handling: Known for quick resolution after storm-related claims, common in this region.
Cons
- Higher Base Premiums: As mentioned in Farmers auto insurance, it could be a stretch for families or single drivers trying to stay under budget.
- Inconsistent Discounts: Some deals might not be available depending on your specific neighborhood.
#10 – Liberty Mutual: Best for Flexible Policies
Pros
- Flexible Policy Features: Allows drivers to create plans that match local traffic habits or storm risks.
- Innovative Add-Ons: Offers unique perks that could benefit those with new vehicles or high-mileage commutes.
- Good Bundling Options: Particularly valuable for homeowners looking to simplify bills and save.
Cons
- Variable Customer Experience: Service can differ across the metro depending on your local agent or ZIP code. See our Liberty Mutual insurance review to check your place.
- Premium Volatility: Rates may increase more suddenly after filing a claim a risk for drivers in severe weather zones.
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Oklahoma City, OK Auto Insurance Options and Discounts
The table compares auto insurance monthly rates from various providers in Oklahoma City, showcasing different coverage levels. It lets you quickly compare costs and coverage options to pick the right plan easily.
Oklahoma City, OK Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $58 | $142 |
| $43 | $107 |
| $55 | $134 |
| $31 | $96 |
| $62 | $155 |
| $50 | $110 |
| $65 | $125 |
| $39 | $97 |
| $52 | $120 |
| $30 | $85 |
Get the coverage that fits your needs and enjoy worry-free driving with top auto insurance rates in Oklahoma City.
Auto Insurance Discounts From the Top Providers in Oklahoma City, OK
| Insurance Company | Available Discounts |
|---|---|
| New Car, Anti-Theft Device, Safe Driver, Multi-Policy, Paperless Billing |
| Safe Driver, Young Driver Loyalty, Multi-Policy, Accident-Free, Vehicle Safety Equipment |
| Bundling Policies, Homeowner, Alternative Fuel Vehicles, Good Driver, Signal Usage-Based Program |
| Military, Federal Employee, Multi-Vehicle, Good Driver, Emergency Deployment |
| Early Shopper, RightTrack Usage-Based Program, Good Student, Accident-Free, Multi-Policy |
| Accident-Free, Easy Pay Sign-Up, Defensive Driving Course, Multi-Car, SmartRide Usage-Based Program |
| Multi-Policy, Continuous Insurance, Teen Driver, Snapshot Usage-Based Program, Homeowner |
| Accident-Free, Good Student, Safe Driver, Multi-Policy, Vehicle Safety Features |
| Safe Driver, Multi-Policy, Hybrid/Electric Vehicle, Homeowner, IntelliDrive Usage-Based Program |
| Military Community Exclusives, Multi-Policy, Good Student, Safe Driver, Annual Mileage Reduction |
Finding the right coverage at a great price is easy. Enter your ZIP code to see discounts and start saving today!
Comparing Auto Insurance Coverage Options in Oklahoma City
You can get reliable coverage in Oklahoma City for as little as $39 per month, which is affordable protection without compromising quality. To read more information, visit Auto Insurance Coverage Options.
Virginia Minimum Auto Insurance Coverage Requirements & Limits
| Coverage Type | Minimum Required Coverage |
|---|---|
| Bodily Injury Liability (per person) | $30,000 |
| Bodily Injury Liability (per accident) | $60,000 |
| Property Damage Liability | $20,000 |
| Uninsured/Underinsured Motorist (per person) | $30,000 |
| Uninsured/Underinsured Motorist (per accident) | $60,000 |
| Uninsured Property Damage | $20,000 (with a $200 deductible) |
Get the coverage that fits your needs and enjoy worry-free driving with top auto insurance rates in Oklahoma City. Enter your ZIP code to explore your options today!
Common Factors Affecting Auto Insurance Premiums in Oklahoma City
In Oklahoma City, age and gender impact car insurance rates. Experienced drivers, especially those around 60, often pay the lowest premiums.
Oklahoma City, OK Auto Insurance Monthly Rates by Age and Gender
| Insurance Company | Age 17 Female | Age 17 Male | Age 25 Female | Age 25 Male | Age 35 Female | Age 35 Male | Age 60 Female | Age 60 Male |
|---|---|---|---|---|---|---|---|---|
| $520 | $570 | $140 | $170 | $90 | $95 | $85 | $90 |
| $480 | $520 | $130 | $160 | $85 | $90 | $80 | $85 |
| $500 | $550 | $135 | $165 | $88 | $92 | $82 | $88 |
| $470 | $510 | $125 | $155 | $82 | $87 | $78 | $82 |
| $530 | $580 | $145 | $175 | $95 | $100 | $88 | $94 |
| $490 | $540 | $132 | $162 | $86 | $91 | $81 | $87 |
| $510 | $560 | $138 | $168 | $89 | $93 | $83 | $89 |
| $290 | $370 | $152 | $188 | $93 | $95 | $86 | $90 |
| $495 | $545 | $134 | $164 | $87 | $92 | $82 | $86 |
| $265 | $275 | $98 | $105 | $57 | $58 | $52 | $53 |
Car insurance rates are influenced by age and gender, with younger drivers, especially teens, often paying the highest premiums.
Oklahoma City, OK Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Monthly Auto Accidents | $2,000 |
| Fatal Accidents per Month | 8 |
| Injury Accidents per Month | 400 |
| Property Damage Claims per Month | 1,200 |
| Average Claim Amount | $5,500 - $7,000 |
| Percentage of Uninsured Drivers | 23% |
| Auto Theft Rate (per 100,000) | 450-550 |
| Most Common Accident Cause | Speeding & distracted driving |
Oklahoma City’s high per capita accident fatality rate can contribute to increased insurance premiums. Check with a local agent to explore Safe Driver discounts that may help lower your costs.
Auto theft is a growing concern in Oklahoma City, especially in densely populated areas. If you drive a high-risk vehicle or live in a hotspot for theft, it could lead to higher car insurance premiums and limited low-cost options.
Fatal Accidents in Oklahoma City, OK
| Year | Total Fatal Crashes | Total Fatalities | Alcohol Involved | Speeding-Related | Distracted Driving | Teen Driver Fatalities |
|---|---|---|---|---|---|---|
| 2021 | Not specified | 99 | Not specified | Not specified | Not specified | Not specified |
| 2022 | Not specified | Not specified | Not specified | Not specified | Not specified | Not specified |
| 2023 | 1,700 (injury/fatal crashes) | 99 | 100 crashes | 203 crashes | 180 crashes | 68 fatalities |
Car insurance shoppers need to consider many factors when they evaluate an insurer. They include overall premium prices and their coverage needs.
Understanding how car insurance works and knowing what to prioritize can make it much easier to find the right auto insurance in Oklahoma City that fits your lifestyle and needs. Enter your ZIP code to see customized insurance options in your area.
Enter your ZIP code below to compare auto insurance rates.
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The Best Auto Insurance in Oklahoma City, OK
In Oklahoma City, OK, State Farm, Progressive, and Geico stand out as the leading car insurance providers offering a affordable coverage, customizable options and various discounts.
Finding the best car insurance should be easier now that you understand how it works and what factors to consider when searching for the best auto insurance in Oklahoma City, OK, that suits your lifestyle. Enter your ZIP code to see the best insurance available in your area.
State Farm stands out as the best auto insurance in Oklahoma City, OK, providing 17% bundling discounts with affordable coverage.
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Frequently Asked Questions
What specific coverage options does State Farm offer in Oklahoma City beyond just bundling discounts?
State Farm offers standard and optional coverage like rideshare and roadside assistance, making it a top contender among auto insurance companies in OKC and a solid choice for those seeking affordable Oklahoma car insurance.
How do Progressive’s customizable options help lower premiums by letting me choose only the coverage I need?
Progressive lets drivers in places like Del City and Midwest City, OK customize coverage for the cheapest fit. Enter your ZIP code to find your best rate.
What qualifies a driver for Geico’s 25% discount, and are there any restrictions?
Geico’s 25% discount applies to safe drivers, students, or those bundling policies, and it’s one of the most popular auto insurance companies near me cheap for residents seeking affordable car insurance OKC.
Which insurance company offers the best comprehensive coverage for drivers in high-theft areas of Oklahoma City?
Drivers in theft-prone areas of auto insurance in Ponca City, OK or Oklahoma City might find AAA Insurance Oklahoma City and Progressive best for comprehensive protection at an affordable price.
What makes USAA the best option for military members?
USAA is one of the few auto insurance companies in OKC that caters specifically to military families, providing affordable car insurance with benefits like deployment flexibility. Enter your ZIP code to get a quote.
How do age and gender affect auto insurance rates in Oklahoma City?
Auto insurance in OKC is pricier for young drivers, but they can cut costs using good student and safe driver discounts from auto insurance companies near me, including Amica Insurance Oklahoma.
Which companies on the top 10 list are best for drivers with a recent accident or violation on their record?
Progressive and Travelers are two auto insurance companies near me cheap that are more forgiving with accident history, offering auto insurance discounts in Oklahoma and accident forgiveness programs.
Are “starting at $30/month” claims for full coverage or just minimum liability?
The $30/month rates from providers like AAA Insurance in Norman, OK typically cover only minimum liability, not full coverage for auto insurance in OKC. Enter your ZIP code for an accurate quote.
Does usage-based insurance from Nationwide actually save money for drivers with low annual mileage in Oklahoma City?
Nationwide’s usage-based programs offer big savings for low-mileage drivers in areas like auto insurance in Del City, OK, making it a good option for affordable Oklahoma car insurance.
Which top insurer in Oklahoma City is known for the best customer service and easy claims process?
For excellent customer support and claims service in auto insurance Oklahoma City, State Farm and Erie lead the pack among auto insurance companies near me.