Cheapest and Best Car Insurance in Oklahoma City, OK (2024)

In Oklahoma City, Oklahoma, Mercury has the cheapest car insurance for minimum coverage and full coverage. State Farm is the cheapest for families with teens. Shelter has the best customer service, but Mercury is the best overall because it’s affordable and has good customer service. The best insurer depends on what’s important to you.

Mercury provides the cheapest car insurance in Oklahoma City. Here are the most affordable providers for minimum coverage:

• Mercury: $296 per year
• Progressive: $383 per year

Home State Insurance Group has the most expensive minimum coverage car at $886 per year. That’s $590 more than Mercury, which costs $296. Compare insurance rates to find the best deal.

Oklahoma law requires car insurance for all drivers. The minimum coverage includes:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

If you cause an accident and only have minimum coverage, your insurance will pay up to $25,000 for one person’s injuries and up to $50,000 for everyone hurt in the accident. If the injuries cost more, you’ll have to pay the difference.

Mercury offers the cheapest full coverage car insurance in Oklahoma City.

• Mercury: $940 per year
• GEICO: $949 per year

Home State Insurance Group has the most expensive full coverage policy at $1,859 annually. That’s $919 more than Mercury. Compare rates to find the best deal for full coverage, which is more expensive than minimum coverage due to the broader protection it offers.

A full coverage policy includes comprehensive coverage for damage to your vehicle and collision coverage. It also comes with increased liability limits.

• Collision insurance covers your vehicle against accidents involving other vehicles, objects like trees or light poles, rollovers and pothole damage.
• Comprehensive insurance covers non-collision incidents that cause vehicle damage or loss, such as theft, natural disasters and collisions with animals like deer.

Selecting full coverage insurance is wise for new cars to protect your investment. For older vehicles, the cost of additional coverage outweighs the benefits, adding hundreds to your premiums. If you lease or loan a car, full coverage is required.

To know how much car insurance you need, weigh the pros of increased protection against the cost of higher premiums. This balance is crucial, as lower coverage could leave you underinsured.

State Farm is the cheapest option for drivers with a poor driving record and seeking full coverage policies in Oklahoma City. Here are the lowest rates for various driving offenses:

• Speeding ticket and DUI: $1,139 per year
• At-fault accident: $1,231 per year

Comparing rates matters because other companies charge much more. For example, Oklahoma Farm Bureau charges $2,856 after a DUI, and Progressive charges $2,653 after an at-fault accident. So shopping around can save you a lot of money, even with a bad driving record.

In Oklahoma City, insurance rates go up after a traffic violation because it shows you’re more likely to get into an accident. Drivers with a speeding ticket might pay $2,074 per year, while those with a DUI could pay $2,385. If you have a bad driving record, comparing insurance rates to find the best deal is important.

In Oklahoma City, State Farm offers the cheapest premiums for female teens, while Allstate is the most affordable for male teens. Here are the lowest rates for a policy covering two parents with a teen driver:

• State Farm: $2,047 per year for female teens and $2,555 per year for male teens
• Allstate: $2,151 per year for female teens and $2,283 per year for male teens

Farmers is the most expensive option, charging $3,034 for females and $3,220 for males. Going with the most affordable provider can save you almost $1,000. With young drivers being higher risk, comparing rates can help families find the cheapest car insurance for teens.

Individual policies for teens are much more expensive and complicated because they're more likely to get into accidents. Teens usually pay about $7,273 per year for their own insurance, while it costs only $2,733 to add them to a family plan. Parents and guardians should consider a family plan to help their teen save money on car insurance.

USAA provides the cheapest car insurance for military backgrounds in Oklahoma City.

• USAA: $892 per year
• Mercury: $940 per year

USAA offers discounts and other benefits to military members and their families. It’s a good choice if you’re in the military.

In Oklahoma City, comparing rates helps you save on car insurance. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Selecting the right auto insurance depends on how you prioritize factors like service, cost and coverage. Here are the top insurers based on MoneyGeek's analysis:

• Best overall: Mercury (MoneyGeek score of 81 out of 100)
• Best for service: Shelter (MoneyGeek score 78 of out of 100)
• Best cheap: Mercury (MoneyGeek score of 83 out of 100)

Mercury is a good choice for car insurance because it’s affordable and has good coverage. Shelter has high customer satisfaction, but it might be more expensive. Mercury is a good option for both outstanding service and a reasonable price.

Mercury offers the best car insurance for drivers seeking quality service and affordability in Oklahoma City.

• Mercury: MoneyGeek score of 81 out of 100 ($940 per year)
• State Farm: MoneyGeek score of 74 out of 100 ($1,035 per year)

Mercury's top score reflects its strong performance in affordability and customer satisfaction, which contribute significantly to its top position for full coverage policies.

Shelter is the best option in Oklahoma City for customer service-focused car insurance.

• Shelter: MoneyGeek score of 78 out of 100 ($1,455 per year)
• Mercury: MoneyGeek score of 73 out of 100 ($940 per year)

Shelter excels in customer service, especially in claims satisfaction and coverage options. This strong performance contributes to its top MoneyGeek score, making it an excellent choice for drivers who value a supportive and smooth insurance experience.

Mercury is the best choice for cheap car insurance in Oklahoma City.

• Mercury: MoneyGeek score of 83 out of 100 ($296 per year)
• State Farm: MoneyGeek score of 74 out of 100 ($432 per year)

Mercury's high MoneyGeek score reflects its balance between low premiums and effective claims handling. Its affordability, especially for minimum coverage, makes it the top choice for those seeking cost savings and quality service.

Car insurance in Oklahoma City costs a bit more than the Oklahoma average. Drivers in the city pay an average of $1,358 per year, while the state average is $1,288. The average car insurance cost in Oklahoma is lower than the national average by $493.

Location matters for car insurance rates. Cities with higher traffic, theft or accident rates usually have higher premiums. For example, in Oklahoma, Tulsa has the most expensive car insurance at $1,371, while Broken Arrow is the cheapest at $1,282. This shows there can be a difference even within a state. Less crowded areas might have even lower rates.