Insurance companies okc – Car Insurance for Oklahoma City in 2022

Car Insurance for Oklahoma City in 2022. The average annual cost of vehicle insurance for drivers in Oklahoma City is $2,184, but if you shop around, you might be able to get coverage from insurance companies okc for less money.

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If you’re searching for affordable auto insurance in Oklahoma City, you should shop around and compare prices from several providers. Every driver will ultimately pay a different rate for auto insurance since insurers consider a number of variables, including your age, address, the kind of vehicle you drive, and your driving record. Shopping around is your best bet to find the most affordable auto insurance in Oklahoma City or anyplace else for that matter.

Average full coverage rates derived from public records acquired by pricing analytics company Quadrant Information Services were examined to identify the most affordable businesses in Oklahoma City. We looked at the rates for male and female drivers of 2019 Toyota Camry Ls in all ZIP codes in Oklahoma City.

Find out how Oklahoma City’s vehicle insurance providers fare in the following paragraphs. You can also look at our list of the most affordable auto insurance providers nationally.

>> MORE: The best car insurance companies

Table of contents

Cheapest car insurance companies in Oklahoma City

Average car insurance cost in Oklahoma City and Oklahoma

Average cost of car insurance in Oklahoma City’s 10 largest ZIP codes

Cheap car insurance in Oklahoma City by age

• Cheapest for 20-year-olds
• Cheapest for 35-year-olds
• Cheapest for 60-year-olds

Oklahoma City’s cheapest companies and rates by driving record

• Good drivers
• Drivers with a DUI
• Drivers with an at-fault accident

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Methodology

Cheapest car insurance companies in Oklahoma City

You should browse around to ensure you’re getting the greatest deal because the company you choose will have the biggest impact on the price of your insurance. According to’s most recent analysis, these are Oklahoma City’s most affordable auto insurance providers based on typical rates for a 35-year-old driver with acceptable credit and a spotless driving record. It’s crucial to keep in mind that each customer’s rates are unique, so these businesses might not be the most affordable for you.

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Average car insurance cost in Oklahoma City and Oklahoma

For a variety of reasons, rates around Oklahoma differ from those in Oklahoma City. The rates drivers are charged might vary depending on factors including the amount of collisions, the nature of roadways, and even the weather. The average rate in Oklahoma is $1,905, while it is $2,184 in Oklahoma City, according to the most current data by.

Average cost of car insurance in Oklahoma City’s 10 largest ZIP codes

The price of car insurance varies depending on where you reside, even within a neighborhood. Accidents and thefts may occur more frequently in some areas of a city, which may result in higher prices for you. Here are Oklahoma City’s ten most populous ZIP codes and their respective average annual vehicle insurance rates for a 35-year-old driver with acceptable credit and a clean driving record, as determined by the analysis.

Cheap car insurance in Oklahoma City by age

Your age is a significant determinant in the cost of your auto insurance, along with your residence. Younger drivers, for instance, typically pay more than older drivers with comparable driving records and credit scores since they have less driving experience.

It’s possible that as you get older, the firm that offers the best deal to you changes. According to the most recent information, here is a breakdown of pricing in Oklahoma City for comparable drivers of different ages.

Cheapest for 20-year-olds

While 20-year-old drivers are still relatively new to the road, teenage drivers are the most likely to be in an accident. Younger drivers pay more for auto insurance since they have a greater accident rate. Here is the average salary for 20-year-olds in Oklahoma City, according to’s most recent data.

Company	Rate	Rating
Geico	$1,484	4.5 rating
USAA	$2,483	4.0 rating
American Farmers & Ranchers	$2,751	Not yet rated
State Farm	$2,902	5.0 rating
Shelter	$3,583	4.0 rating
Farmers	$3,885	4.5 rating
Oklahoma Farm Bureau	$4,141	Not yet rated
Progressive	$4,222	5.0 rating
Mercury	$4,350	4.0 rating
Allstate	$4,476	4.5 rating

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Cheapest for 35-year-olds

Your auto insurance should level off around the age of 35. As the lowest insurer you found in your 20s might no longer be the best option, this is a fantastic time to check prices.

Here is what a 35-year-old driver would expect to pay, on average, in Oklahoma City.

Company	Rate	Rating
Geico	$924	4.5 rating
USAA	$1,286	4.0 rating
State Farm	$1,464	5.0 rating
Shelter	$1,647	4.0 rating
Farmers	$1,755	4.5 rating
American Farmers & Ranchers	$1,961	Not yet rated
Mercury	$1,977	4.0 rating
Oklahoma Farm Bureau	$2,018	Not yet rated
Progressive	$2,262	5.0 rating
Allstate	$2,720	4.5 rating

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Cheapest for 60-year-olds

If your driving record is spotless, your vehicle insurance premiums at age 60 are about as low as they can be. Since most drivers in this age bracket have a lot of driving experience and a solid record, insurers are more prepared and charge less as a result. By bundling or taking advantage of additional deals, you may still be able to save money, so keep looking. The following businesses are Oklahoma City’s cheapest on average, per’s most recent analysis.

Company	Rate	Rating
Geico	$995	4.5 rating
USAA	$1,151	4.0 rating
Shelter	$1,393	4.0 rating
State Farm	$1,442	5.0 rating
Farmers	$1,499	4.5 rating
Mercury	$1,684	4.0 rating
Oklahoma Farm Bureau	$1,795	Not yet rated
Progressive	$1,862	5.0 rating
American Farmers & Ranchers	$1,933	Not yet rated
Allstate	$2,367	4.5 rating

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Oklahoma City’s cheapest companies and rates by driving record

Your auto insurance quote is heavily influenced by your driving record as well. Typically, drivers with spotless records will pay less than those with fines for speeding, accidents, or other infractions. Once more, your greatest chance of finding the best deal is to compare insurance providers.

These are the typical prices in Oklahoma City for both good drivers and those with traffic offenses on their record, according to the data of.

Good drivers

When compared to drivers with an accident or moving infraction, drivers with a clean driving record almost always pay the least for auto insurance. Insurance companies base their prices on the likelihood that you will make a claim, and safe drivers are among the least risky. Here are Oklahoma City’s typical insurance prices for safe drivers based on the most recent research.

Company	Rate	Rating
Geico	$924	4.5 rating
USAA	$1,286	4.0 rating
State Farm	$1,464	5.0 rating
Shelter	$1,647	4.0 rating
Farmers	$1,755	4.5 rating
American Farmers & Ranchers	$1,961	Not yet rated
Mercury	$1,977	4.0 rating
Oklahoma Farm Bureau	$2,018	Not yet rated
Progressive	$2,262	5.0 rating
Allstate	$2,720	4.5 rating

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Drivers with a DUI

A high-risk auto insurance provider may be the only option for drivers with DUIs who are having trouble finding inexpensive insurance. You should anticipate paying significantly more than a driver without a DUI if you have one on your record.

Here are Oklahoma City’s typical rates for drivers with DUIs based on the most recent research.

Drivers with an at-fault accident

You will pay more if you have an accident for which you were at fault than if you don’t, but probably less than if you have a DUI. Your insurance provider might inquire about the accident’s specifics in order to calculate your cost; a fender-bender will probably be handled differently than an accident brought on by running a red light. Here are Oklahoma City’s most current analysis’s cheapest average rates for drivers with an at-fault accident on their record.

See what you could save on car insurance

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Shop around to get cheap insurance

Remember to shop about and compare prices from several companies, regardless of the provider you presently use for your auto insurance. By switching to a different insurer, you might be able to save money since prices and offers fluctuate over time.

Make sure to benefit from any available discounts. Numerous insurers provide discounts on car insurance for actions like bundling multiple insurance policies with your motor coverage or going years without making a claim.

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Methodology

Average insurance costs for single male and female drivers in the city with acceptable credit scores and no fines or infractions were used to create our “good driver” profile. The largest insurers in each state were included in the analysis, and when rates were available, lesser insurers as well. Since rates weren’t made available, we didn’t include Liberty Mutual and its affiliates in our research.

Assuming 12,000 annual kilometers travelled, we used a 2019 Toyota Camry L and a 35-year-old driver (unless a different age is specified).

We utilized the following coverage limits for full coverage policies:

• $100,000 bodily injury liability per person.
• $300,000 bodily injury liability per accident.
• $50,000 property damage liability per accident.
• $100,000 uninsured motorist coverage per person.
• $300,000 uninsured motorist coverage per accident.
• Collision coverage with a $1,000 deductible.
• Comprehensive coverage with a $1,000 deductible.

Minimum supplementary coverages were provided as required by law. Additional coverages may be included in some plans at the insurer’s discretion.

With the following exclusions, we applied the same presumptions to all other driver profiles:

• The figures above have been modified for drivers with minimum coverage to match the legal minimum required by the state.
• For drivers who had one at-fault collision, we added one that occurred six months prior, caused $10,000 in property damage, and involved no claims for bodily injury.
• We included a single drunk driving infraction that occurred six months ago for drivers who had a DUI.