Oklahoma Auto Insurance Rates
Median premium: $948/6mo across 10 carriers and 765 ZIP codes.
Premiums range from $569 to $1,856 — a 3.3x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$948
per 6 months
ZIP Codes
765
with rate data
Carriers
10
rated in OK
Price Spread
3.3x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $626 | 765 ZIPs | 100% | |
| 2 | Shelter Insurance | $766 | 0 ZIPs | 0% | |
| 3 | State Farm | $870 | 0 ZIPs | 0% | |
| 4 | Progressive | $914 | 0 ZIPs | 0% | |
| 5 | Farmers | $940 | 0 ZIPs | 0% | |
| 6 | Nationwide | $957 | 0 ZIPs | 0% | |
| 7 | Travelers | $974 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $1,000 | 0 ZIPs | 0% | |
| 9 | Allstate | $1,131 | 0 ZIPs | 0% | |
| 10 | GEICO | $1,495 | 0 ZIPs | 0% |
1
$626USAA#1 in 765 ZIPs (100%)
2
$766Shelter Insurance#1 in 0 ZIPs (0%)
3
$870State Farm#1 in 0 ZIPs (0%)
4
$914Progressive#1 in 0 ZIPs (0%)
5
$940Farmers#1 in 0 ZIPs (0%)
6
$957Nationwide#1 in 0 ZIPs (0%)
7
$974Travelers#1 in 0 ZIPs (0%)
8
$1,000Liberty Mutual#1 in 0 ZIPs (0%)
9
$1,131Allstate#1 in 0 ZIPs (0%)
10
$1,495GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Oklahoma
| City | Avg Median | ZIPs |
|---|---|---|
| Adams | $569 | 1 |
| Balko | $569 | 1 |
| Beaver | $569 | 1 |
| Boise City | $569 | 1 |
| Felt | $569 | 1 |
Most Expensive Cities in Oklahoma
| City | Avg Median | ZIPs |
|---|---|---|
| Wynnewood | $1,178 | 1 |
| Wheatland | $1,178 | 1 |
| Weatherford | $1,178 | 1 |
| Wayne | $1,178 | 1 |
| Washington | $1,178 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,178/6mo
73099 (Yukon)
Cheapest ZIP
$569/6mo
73901 (Adams)
3.3x
Price Spread
The most expensive ZIP in Oklahoma costs 3.3x more than the cheapest. Your ZIP code matters more than you think.
Oklahoma Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Oklahoma
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Access ZIP-level rate data across all 10 carriers, 765 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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