Updated: November 18, 2024
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In Oklahoma, Mercury leads as the best car insurance provider overall and the top choice for minimum coverage policies. Families with teen drivers may prefer State Farm for their specific needs.
MoneyGeek also analyzed the cheapest car insurance in Oklahoma if cost is your primary consideration, regardless of service quality.
Best Car InsuranceOklahomaBest Car Insurance in Oklahoma
Why Trust MoneyGeek? We created an insurance scoring system for providers in Oklahoma based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Oklahoma.
In Oklahoma, Mercury emerges as the top car insurance company with a MoneyGeek score of 87. The range in MoneyGeek scores stretches from 72 to 87, illustrating a competitive market where companies are closely assessed on a baseline scoring system. It's important to recognize that specific scores can vary based on driver profiles, as individual needs and circumstances can influence the evaluation of an insurer's performance.
How does MoneyGeek score companies?
The overall MoneyGeek scores give considerable weight to customer satisfaction and affordability in its comprehensive assessment of insurers. However, claims experience and offered coverages also significantly impact the final score. Such a multifaceted approach ensures that the rankings reflect a well-rounded picture of an insurance company's performance, extending beyond the price point to the actual service and coverage quality that customers experience.
There are insurers that did not receive a MoneyGeek score due to incomplete data on all five scoring components. For example, Oklahoma Farm Bureau stands out for exceptional customer satisfaction, demonstrating its ability to meet customer service expectations effectively. However, it's important to recognize that these observations are based on limited information and do not necessarily imply an overall strong performance.
| Mercury | 87 | $937 |
| Shelter | 86 | $1,228 |
| State Farm | 85 | $960 |
| GEICO | 83 | $880 |
| Farmers | 78 | $1,148 |
| Allstate | 73 | $1,130 |
| Progressive | 72 | $1,328 |
| Home State Ins Group | No Data | $1,555 |
| Oklahoma Farm Bureau | No Data | $1,286 |
MoneyGeek found that Mercury is the best option in Oklahoma for drivers seeking the best full coverage car insurance. Here's how the top two providers stack up:
Mercury stands out for its impressive blend of top-notch service and affordability, factors that are pivotal in the evaluation of insurance options. Its superior customer satisfaction and competitive rates are the driving forces behind its outstanding MoneyGeek score.
Consumers in Oklahoma will notice a spectrum of companies offering varied costs and service experiences. For those interested in economizing without sacrificing coverage, MoneyGeek also analyzed the insurers that offer the cheapest full coverage car insurance in Oklahoma.
Ranks No. 2 for general customer satisfaction.
Ranks No. 2 for claims handling.
Ranks No. 2 for cost with an average premium of $937 for full coverage.
Offers mechanical breakdown insurance and roadside assistance.
Does not excel in customer service with a score of 33.
The exceptional MoneyGeek score of Mercury largely hinges on its high satisfaction (32 out of 35) and affordability (28 out of 30) ratings. Mercury equips customers with both common coverages: rental car and/or travel reimbursement and roadside assistance. While offering sought-after coverages, such as mechanical breakdown insurance, Mercury assures that essentials are well in place.
Among Mercury's valuable coverages, mechanical breakdown insurance stands out as a rare yet widely applicable benefit that covers repair costs beyond the standard manufacturer’s warranty. This financial safety net resonates with drivers keen on long-term vehicle investment protection. Additionally, roadside assistance provides the assurance of 24/7 support in the event of vehicle trouble.
MoneyGeek found that Shelter is the best option in Oklahoma for car insurance with outstanding customer service. When it comes to ensuring peace of mind on the road, knowing you have reliable car insurance is paramount. Customers in Oklahoma have a diverse array of options, but two stand out for their service quality:
Shelter distinguishes itself with the highest score, notably excelling in satisfaction and claims handling, which are crucial elements for customer peace of mind. Despite Shelter’s premium being higher, the investment is directed toward a more consistent service experience, ensuring that customers have access to top-tier support when it matters most.
Suitable customer service and efficient claims processing are essential because they directly impact the ease and swiftness with which policyholders can recover from an incident. The assurance of having a reliable insurer can significantly reduce the stress and uncertainty involved in managing the aftermath of an accident.
Ranks No. 1 for claims handling.
Ranks No. 1 for key coverages.
Offers rare coverages.
Does not excel in customer service with a score of 41.
Does not offer OEM coverage.
Shelter's impressive MoneyGeek score is bolstered by high marks in customer satisfaction and claims handling, indicating a positive experience for policyholders. While Shelter provides common coverages like roadside assistance and rental car and/or travel reimbursement, its lack of rideshare insurance may be a slight drawback for some drivers.
Shelter offers unique and reasonably common coverages, such as new car replacement and gap insurance. New car replacement is invaluable if your new vehicle is totaled, covering the cost of a similar new car, not just the depreciated value. Gap insurance is beneficial in closing the "gap" between the amount owed on your car and the car's actual cash value in the event of a total loss.
These coverages provide significant financial protection for drivers and are indicative of Shelter's holistic approach to auto insurance. With satisfaction and claims handling scores of 42 (out of 45) and 30 (out of 30), respectively, Shelter's commitment to customer experience is evident, reaffirming its top-tier position in the insurance market.
MoneyGeek found that Mercury is the best option in Oklahoma for drivers seeking affordable minimum coverage insurance. Below are the two providers with their respective MoneyGeek scores and annual premiums:
Mercury stands out primarily due to its exceptional affordability score and its solid claims handling performance, which contribute significantly to its overall MoneyGeek score. Again, the annual cost for a minimum coverage policy with Mercury is just $300, highlighting its competitiveness for the minimum insurance required by law in Oklahoma.
In Oklahoma, many insurers may offer cheap minimum coverage, but purchasing only the minimum required can be risky. This level of coverage typically does not provide enough protection for more serious accidents, potentially leading to high out-of-pocket expenses in the event of significant property damage or personal injury claims. It's essential to balance cost with the level of coverage to ensure adequate financial protection on the road.
Offers reasonably common automatic payment and senior driver discounts.
Ranks No. 2 for cost.
Ranks No. 2 for customer satisfaction.
Ranks No. 2 for claims handling.
Mercury's exceptional MoneyGeek score of 86 is bolstered by its high affordability score of 39 (out of 40) and its solid satisfaction score of 20 (out of 25). Moreover, with an average annual premium of only $300, Mercury provides substantial coverage at a cost that's highly accessible to the average driver.
Among its reasonably common discounts, Mercury offers savings for anti-theft system installations and for clients who opt for automatic payment, rewarding those who prioritize security and convenience. Mercury also distinguishes itself with a comprehensive discount portfolio that includes all four of the most common discounts: bundling, good student, multiple car and safe driving.
It provides value through environmentally conscious options, such as paperless billing, which simplifies the process while conserving resources. Also noteworthy is the discount for drivers who pay their premium in full. Mercury's leading position is reinforced by its stellar affordability, complemented by commendable scores in satisfaction (20 out of 25), claims handling (14 out of 20), coverage (8 out of 10) and stability (4 out of 5).
In Oklahoma, driver age greatly impacts car insurance rates. MoneyGeek found that State Farm, with an 87 MoneyGeek score, offers the best car insurance for teens at an annual premium of $1,491. For young adults, Mercury leads with an 84 score and a $1,248 yearly rate. Seniors get the most favorable options with Shelter, scoring 95 and an impressive premium of $893. Each company provides age-specific benefits, balancing cost with coverage quality and service.
Best for teens: State Farm
Best for seniors: Shelter
Best for young adults: Mercury
MoneyGeek found that State Farm is the best option in Oklahoma for providing quality car insurance for teens. As parents navigate the challenging waters of insuring young drivers, these two providers stand out:
With the highest scores in satisfaction and affordability, State Farm ensures parents can secure an excellent blend of value and service. The annual cost for a teen policy with State Farm underscores the benefit of adding teens to a family policy. To get cheap car insurance for a teen in Oklahoma, it proves significantly more cost-effective to include them in a family plan.
The surging cost of adding a teen to a car insurance policy is par for the course not just in Oklahoma, but nationwide. Auto insurance companies view teens as high-risk drivers due to their inexperience behind the wheel, which translates to a higher likelihood of filing claims. Consequently, the risk is offset by higher premiums to cover the greater statistical propensity for accidents and traffic violations.
Offers good student, distant student and driver's education discounts.
Ranks No. 1 for customer satisfaction.
Ranks No. 1 for affordability.
Falls short in customer satisfaction.
State Farm obtained a satisfaction score of 35 (out of 35) and an affordability score of 30 (out of 30), with an impressive MoneyGeek score of 87. Its commitment to customer satisfaction and competitive pricing stands out. Additionally, State Farm's suite of discounts is favorable for families with teens, offering all three young driver discounts — good student, distant student, and driver's education — which reinforces its strong appeal to this demographic.
For broader coverage, State Farm's roadside assistance provides valuable support like mechanical labor, towing and locksmith services. Its rental car and/or travel reimbursement coverage ensures convenience during car repairs, covering rental expenses up to a selected limit.
MoneyGeek found that Shelter is the best option in Oklahoma for seniors seeking car insurance. By providing a balance of satisfaction, affordability, claims support and financial stability, Shelter has earned recognition as the leading provider in this demographic.
Shelter stands out primarily due to its remarkable claims handling and coverage options, which have contributed significantly to its high MoneyGeek score. With an annual premium of $977, seniors can secure car insurance that offers more than just basic coverage. To obtain cheap car insurance for a senior in Oklahoma, individuals may expect to pay a bit more compared to those in younger age brackets.
Car insurance premiums for seniors in Oklahoma are competitive and can be comparable to rates for middle-aged individuals. MoneyGeek's analysis uses rates for those in their 60s as a base; however, it is worth noting that typically, seniors in their 70s or 80s may face higher premiums. This variation is reflective of the increased risk profiles that tend to accompany advancing age, and not a singular view on the senior demographic itself.
Offers roadside assistance, rental car and travel reimbursement.
Ranks No. 1 for claims handling.
Doesn't excel in customer service.
Ranks No. 3 for cost with an average annual premium of $977.
Missing roadside assistance coverage.
Shelter's outstanding MoneyGeek score of 93 is primarily anchored by high marks in satisfaction (32 out of 35) and affordability (26 out of 30). Shelter's policy offerings include roadside assistance and rental car and/or travel reimbursement — two common coverages that greatly benefit those in need of assistance after an accident.
Shelter's commitment to convenience and safety is demonstrated through its roadside assistance coverage, with services for common vehicle mishaps, such as flat tires and dead batteries. The company’s rental car and/or travel reimbursement can alleviate the stress of mobility issues post-accident, ensuring seniors are not left stranded.
Despite not offering every common discount, Shelter's robust scores in other categories highlight its competitive edge. With an average annual premium of $977, Shelter also provides a reasonably rare senior driver discount, further helping seniors to economize on their car insurance.
MoneyGeek found that Mercury is the best option in Oklahoma for providing car insurance to young adults. Boasting the highest MoneyGeek score in Oklahoma, Mercury is the top pick for young drivers looking for reliable and affordable coverage.
Mercury stands out due primarily to its superior combination of affordability, claims handling and customer satisfaction. These factors, along with the competitive annual premium, affirm Mercury's position as the go-to insurer for young adults seeking cheap car insurance for a young adult in Oklahoma.
Insurance premiums are generally higher for young adults in Oklahoma and elsewhere because these drivers are viewed as higher-risk due to their lack of experience on the road. Age plays a significant role in insurance costs, and drivers in their 20s often face higher premiums compared to more seasoned motorists.
Ranks No. 2 for general customer satisfaction.
Ranks No. 2 for claims handling.
Offers good student discount.
Does not offer distant student and driver's education discounts.
Mercury sets the bar high with a MoneyGeek score primarily elevated by satisfaction and affordability, signifying superior customer experiences and economical pricing. Although Mercury lacks certain discounts targeted at young drivers in school, such as distant student and driver's education, its robust scores in satisfaction, affordability and other benefits amply make up for it.
As for common coverages, Mercury offers both roadside assistance and rental car and/or travel reimbursement, cementing its commitment to comprehensive protection. Mercury stands out with its rare and widely applicable mechanical breakdown insurance, ensuring drivers are covered for repair costs that can occur after the warranty expires.
Mercury's competitive MoneyGeek scores — satisfaction at 33 (out of 35), affordability at 25 (out of 30) and claims at 14 (out of 20) — highlight its dedication to quality service, budget consciousness and reliable claims support, attracting a diverse range of policyholders.
MoneyGeek found that State Farm is the best option in Oklahoma for drivers with driving offenses seeking car insurance coverage. Providing an optimal blend of satisfaction, affordability, claims handling and coverage options, State Farm stands out in the competitive insurance landscape.
State Farm distinguishes itself with the highest satisfaction score and an impressive affordability score, elevating it to the top of MoneyGeek's rankings. These scores are especially pertinent given they reflect a demographic of drivers with speeding tickets, at-fault accidents and DUIs. For drivers with offenses looking to secure cheap car insurance as a high-risk driver in Oklahoma, State Farm offers an annual premium of $1,068.
Car insurance premiums typically increase in Oklahoma and other states following a driving offense, such as a ticket, an at-fault accident or a DUI due to higher assumed risk. Insurers recalibrate their risk assessment models to account for the increased likelihood of future claims from high-risk drivers, which result in higher rates compared to those with clean driving records.
Ranks No. 4 in customer satisfaction.
Ranks No. 1 for cost.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 3 for claims handling.
Lacks rare coverages like new car or better car replacement.
Excelling in affordability and satisfaction, State Farm tops the charts with robust contributions from these scores to its impressive MoneyGeek score of 87. With convenient offerings like roadside assistance and rental car or travel reimbursement, it's well-suited for drivers with past incidents seeking comprehensive protection on the road.
State Farm provides roadside assistance, including mechanical labor at the breakdown location, towing and essential services to get you moving. Its rental car or travel reimbursement ensures that your mobility is seamless, covering your car rental expenses after an incident. With exceptional scores in satisfaction (31 out of 35) and claims handling (13 out of 20), State Farm's commitment to customer service and proficient claims processing align with the needs of a driver in search of reliability and trustworthiness.
MoneyGeek found that Farmers is the best option in Oklahoma for new drivers seeking car insurance.
Farmers tops the list, not just with an impressive MoneyGeek score but also because it offers essential coverages that MoneyGeek considers highly valuable. The biggest contributors to the overall MoneyGeek score are customer satisfaction, affordability, claims handling, available coverage options and the company's financial stability.
While Farmers leads with a yearly premium of $1,653, it’s important to note that opting for an insurer with new or better car replacement coverage can be financially beneficial in the long run. After an accident, this coverage can save you money, as without such, you'd only receive the current depreciated value of your car, which could be significantly less than its purchase price or the cost to replace it.
Ranks well for general customer satisfaction.
Ranks No. 1 for claims handling.
Ranks No. 1 for cost.
Provides new car replacement.
Offers roadside assistance and rental car/travel reimbursement.
Does not excel in customer service with a score of 35.
Does not offer rare coverages like OEM coverage.
Farmers is at the summit of our ratings, propelled by exemplary satisfaction (35 out of 35) and affordability (30 out of 30) scores, which are the primary contributors to its near-perfect MoneyGeek score of 98 out of 100. While Farmers does not offer new car replacement or better car replacement coverages, its high scores indicate it excels across other valuable aspects for policyholders. On average, customers can expect an annual premium of approximately $1,653.
Farmers delivers comprehensive insurance options tailored to meet the needs of a diverse clientele. Although new or better car replacement is not available, Farmers provides a solid protection net through common coverages, displaying a balance between quality and cost. Coverage is backed with an exceptional level of claims handling and a full suite of stability safeguards, ensuring reliable support and peace of mind for drivers.
MoneyGeek found that USAA is the best option in Oklahoma for military members seeking car insurance, with an outstanding MoneyGeek score and the most competitive annual premium.
For those with military ties seeking a balance of service quality and affordability, USAA stands out notably for its high satisfaction, claims handling and stability scores, contributing to its overall MoneyGeek score. It's exclusively available to current and former military members and their families, tailoring its services to these specific individuals.
With an annual cost of $797, it's not only the top scorer but also offers value that speaks volumes to military drivers. Those prioritizing budget can also explore the cheapest car insurance in Oklahoma for military drivers.
Ranks No. 1 for general customer satisfaction.
Ranks No. 1 for cost.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 2 for key coverages.
Does not excel in customer service (ranks 35th).
High satisfaction (35 out of 35) and affordability (30 out of 30) make significant contributions to USAA's impressive MoneyGeek score of 91. Catering exclusively to the unique needs of military families, both active-duty and retired, USAA offers an average annual premium of $797.
USAA provides valuable car insurance coverages, ensuring peace of mind for its customers. With roadside assistance, automotive troubles, such as towing, jump-starts and lockouts, are easily handled, minimizing disruption to your journey. Another beneficial option is the rental car and/or travel reimbursement, which takes care of mobility by covering rental car costs when your vehicle is being repaired after an accident.
Additionally, the accident forgiveness program rewards safe driving; if you remain accident-free for five years, your premium won't increase after one at-fault accident, protecting your wallet from unexpected spikes. These coverages demonstrate USAA's commitment to reliability and customer support, enhancing its already solid MoneyGeek standings in claims handling (12 out of 20) and coverage (8 out of 10).
Oklahoma's top car insurance companies strike a balance between affordability, solid financial strength and consistent high-quality service. At MoneyGeek, we've thoroughly evaluated these factors to save you the legwork. However, if you choose to conduct your own research, there are at least four essential steps you can follow to ensure you make an informed decision.
Effective customer service is a cornerstone for car insurers in Oklahoma, ensuring timely support and claims processing. Shoppers are advised to independently verify insurers' service records through resources like JD Power and the NAIC. Shelter stands out in Oklahoma with a MoneyGeek customer satisfaction score of 42 (out of 45) and a perfect claims handling score of 30 (out of 30), marking it as a top choice for service excellence.
Comparing car insurance quotes in Oklahoma can lead to significant savings without compromising on service quality. It's beneficial for drivers to conduct their own research as the most affordable option can vary based on individual circumstances. MoneyGeek's analysis identifies Mercury as the best for minimum coverage in Oklahoma, with an annual premium of $300, offering a cost-effective choice for budget-conscious drivers.
The scope of coverages provided by car insurers is important in meeting drivers' specific needs. It's essential for consumers to explore insurers that offer coverages aligning with their requirements. According to MoneyGeek's findings, Allstate, Progressive, Farmers and Shelter each received a coverage score of 10, indicating they offer comprehensive options, including rental car and/or travel reimbursement, roadside assistance, gap insurance and original equipment manufacturer coverage.
Selecting a financially stable insurer is vital to minimize the risk of unpaid claims. Researching an insurer's financial strength is a prudent step in the selection process. MoneyGeek's assessment awards perfect stability scores of five (the maximum) to GEICO and State Farm, both of which have attained the highest A.M. Best rating of A++, ensuring superior financial reliability for policyholders.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Mercury is also the top pick for the best for cheap car insurance in Oklahoma, offering an annual premium for a minimum coverage policy at $300. Its overall MoneyGeek score is 86. While minimum coverage policies are the cheapest, they offer less protection than full coverage policies. Consumers can find affordable full coverage options by comparing quotes.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
