BudgetAutoRates affordability gauge: Oklahoma premiums vs state median income. Local claim costs and pricing pressure keep the needle out of the green.
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $30 | $132 | Overall cheapest |
| GEICO | $33 | $145 | Digital-first drivers |
| Progressive | $39 | $168 | High-risk / SR-22 |
| Allstate | $45 | $196 | Bundling home + auto |
| Farmers | $49 | $213 | Agent relationships |
| Liberty Mutual | $53 | $232 | Custom coverage add-ons |
Illustrative estimates for layout and comparison purposes; see our methodology.
Oklahoma requires liability coverage on every registered vehicle. The legal floor:
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $25,000 to replace, so one at-fault accident can outrun your property-damage limit.
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Premiums swing inside Oklahoma: traffic density, claim frequency, and repair costs vary from ZIP to ZIP, so quote with your exact address.
Rates in Oklahoma run about 6% above the national average, at about $49/mo for liability and $213/mo for full coverage. Traffic density, weather claims, repair costs, and uninsured drivers all feed into local pricing, and comparing 3 or more quotes is the fastest way to come in under the state average.
Fines, license and registration suspension, SR-22 filings, and reinstatement fees, with exact amounts set by Oklahoma law. Check current penalties with the Oklahoma Department of Insurance, then let Scout dig up a minimum-coverage policy that costs less than the paperwork.
BudgetAutoRates