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Best Car Insurance Companies in Oklahoma City, OK

Updated 10/12/2018

Car insurance gives you financial protection if you're in a car accident, and you're legally required to have car insurance if you own a car in Oklahoma City. However, choosing the best car insurance can be tricky. You can get car insurance in OKC from an insurance agency, sometimes called a insurance broker, or you can get it directly from an insurance company. We looked at 489 reviews from Oklahoma City drivers, and compared car insurance companies and insurance agencies to find the best places for you to get auto insurance in Oklahoma City.

#1 MOST POPULAR
Progressive
Progressive
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(405) 400-0252
Features
  • 20 + OKC agents
  • InsuraMatch Partner
  • Discounts: Multi-policy, teen driver, TechSafety program and more
  • BBB rating: A+
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#2
Liberty Mutual
Liberty Mutual
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(405) 546-2399
Features
  • 25 OKC agents
  • InsuraMatch Partner
  • Discounts: Multi-policy, new member, teen driver, new graduate and more
  • BBB rating: A
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#3
The General
The General
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(405) 212-5875
Features
  • Available online
  • InsuraMatch Partner
  • BBB rating: A+
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Rightway Insurance Rightway Insurance Features
  • 5 partner insurance companies
  • M-F: 9am - 5pm
Location:
4045 NW. 64th St., Ste. 170
Oklahoma City, OK 73116
(405) 351-6956
Auto Insurance Center Auto Insurance Center Features
  • 14+ partner insurance companies
  • M-F: 9am - 5:30pm
  • Sat: 9am - 12:30pm
Location:
2520 NW. 23rd St.
Oklahoma City, OK 73107
(405) 351-5647
Metro Insurance Metro Insurance Features
  • Partner information not available
  • M-F: 9:30am - 5:30pm
  • Sat: 10am - 2pm
Location:
12223 N. Pennsylvania Ave.
Oklahoma City, OK 73120
(405) 588-8297
Action Plus Insurance Agency Action Plus Insurance Agency Features
  • Partner information not available
  • M-F: 10am - 5pm
  • Sat: 9am - 1pm
Location:
1028 SW. 59th St., Ste. D
Oklahoma City, OK 73109
(405) 585-0363
Service Auto Insurance Service Auto Insurance Features
  • 5 partner insurance companies
  • M-F: 9am - 5pm
  • Sat: 9am - 12pm
Location:
115 SE. 29th St.
Oklahoma City, OK 73129
(405) 351-6056
Advantage 1 Insurance Agency Advantage 1 Insurance Agency Features
  • 13 partner insurance companies
  • M-F: 8am - 6pm
  • Sat: 10am - 1pm
Location:
1329 SW. 59th St.
Oklahoma City, OK 73119
(405) 351-6752
Lynnae Insurance Lynnae Insurance Features
  • 1 partner insurance company
  • M-F: 9am - 5pm
Location:
5119 N. Western Ave.
Oklahoma City, OK 73118
(405) 835-3324
State Auto Insurance Agency, Inc. State Auto Insurance Agency, Inc. Features
  • Partner information not available
  • M-F: 9am - 6pm
Location:
4717 S. Western Ave.
Oklahoma City, OK 73109
(405) 349-5840
MetroOKC Insurance MetroOKC Insurance Features
  • Partner information not available
  • M-F: 8:30am - 5pm
  • Weekends by appt.
Location:
11901 N. MacArthur, Ste. F2
Oklahoma City, OK 73162
(405) 351-5190
CPC Insurance Agency CPC Insurance Agency Features
  • 10+ partner insurance companies
  • M-F: 8:30am - 4:30pm
Location:
1140 NW. 50th St.
Oklahoma City, OK 73118
(405) 458-8633
American Insurance Partners American Insurance Partners Features
  • Partner information not available
  • M-F: 8am - 5pm
  • Sat-Sun: 9am - 4pm
Location:
2248 NW. 164th St.
Edmond, OK 73013
(405) 349-5733
Above All Insurance, Inc. Above All Insurance, Inc. Features
  • 11 partner insurance companies
  • M-F: 8:30am - 5pm
Location:
3632 NW. 21st St.
Oklahoma City, OK 73107
(405) 276-5392
Econo-wise Insurance Agency, Inc. Econo-wise Insurance Agency, Inc. Features
  • Partner information not available
  • M-F: 9am - 5:30pm
  • Sat: 9am - 12pm
Location:
2705 SW. 29th St.
Oklahoma City, OK 73119
(405) 349-5697
Cheapest Auto Insurance Cheapest Auto Insurance Features
  • 30 partner insurance companies
  • M-F: 9am - 6pm
  • Sat: 10am - 2pm
Location:
2615 N. MacArthur Blvd.
Oklahoma City, OK 73127
(405) 347-7791
Billy Doyal - Shelter Insurance Billy Doyal - Shelter Insurance Features
  • 1 partner insurance company
  • M-F: 9am - 5pm
Location:
12101-b N. Macarthur Blvd.
Oklahoma City, OK 73162
(405) 349-5730
Tim Missaghi - Allstate Tim Missaghi - Allstate Features
  • 1 partner insurance company
  • M-F: 9am - 6pm
  • Sat: 10am - 1pm
Location:
11900 N. Penn Ave., Ste. A9
Oklahoma City, OK 73120
(405) 349-5736
Rick Case - Farmers Rick Case - Farmers Features
  • 1 partner insurance company
  • M-F: 8:30am - 5:30pm
Location:
7306 NW. Expressway
Oklahoma City, OK 73132
(405) 276-4252

None

How we chose the best

We thoroughly researched consumer reviews and company information.

38 Hours researched
489 Reviews analyzed
40 Companies evaluated
20 Companies selected
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Car insurance costs in OKC

Car insurance rates are determined by a lot of different things, like your driving history and the kind of car you have. Where you live also impacts the cost of car insurance. We researched the average cost of car insurance by zip code for Oklahoma City and found that insurance costs vary even for people in the same city, depending on their address.

Looking at the average annual auto insurance rates for a 30-year-old man, we found that you could pay as much as $200 a year more for insurance than a person with similar coverage in a different zip code.

So, what does car insurance cost in Oklahoma City? It depends. Overall, you'll pay the most if you live in areas like Capitol Hill, in the heart of OKC, and you'll get the cheapest car insurance if you live in a suburb, like Edmund.

Location Comprehensive (100/300/100) Liability (50/100/50) State Minimum (25/50/25)
Capitol Hill - 73109 $2,027 $632 $605
Del City - 73115 $1,958 $620 $590
Moore - 73160 $1,841 $586 $563
South OKC - 73170 $1,841 $589 $566
Edmund - 73083 $1,695 $534 $514
Northwest OKC - 73142 $1,871 $607 $584
Yukon - 73099 $1,805 $564 $541

Unfortunately, no matter where you live in Oklahoma, you'll probably pay more for car insurance than people in other states.

Last year, Oklahoma was ranked as the 11th most expensive state for car insurance, and two years ago, News9 reported that Oklahoma was the 3rd most expensive state for car insurance, but the cost isn't driven up by high minimum state requirements.

Oklahoma law requires drivers have 25/50/25 coverage. That means you must pay for liability insurance that has $25,000 of coverage per person if you cause an accident that injures someone else, with a cap of $50,000 per accident, and $25,000 of coverage for property damage you cause in an accident.

Even though Oklahoma requires you to have car insurance, a lot of people drive without it. About 10.5 percent of Oklahomans drive without the state minimum car insurance, according to reports from Insurance Information Institute. This means Oklahoma City residents who want to ensure their car insurance company offers them the maximum protection have to pay more for extra coverage.

okc skyline at sunrise

If you're involved in an accident caused by an uninsured driver, your insurance company won't necessarily pay for damage to your car or for your medical expenses. If you want to guarantee that you're financially protected, you need to pay for uninsured motorist coverage, which is usually a part of comprehensive, or full coverage, car insurance in Oklahoma.

The weather is another factor that increases the cost of insurance in Oklahoma City. Surprisingly, it isn't tornadoes that makes Oklahomans' rates high, it's hail. The state has a higher than average number of storms that produce hail, and that means car insurance in Oklahoma is more expensive. If your car is damaged by hail, your car insurance company will only pay to repair the damage if you pay for comprehensive car insurance.

You may also want to get comprehensive coverage if you're worried about someone stealing your car. In recent years, about 3,000 cars have been stolen annually in Oklahoma City. Compared to other states, rates of motor vehicle theft in Oklahoma aren't too high. However, if you feel at risk, then comprehensive coverage might give you peace of mind.

Regardless of whether you decide to get auto insurance through an agent in Oklahoma City or directly from a car insurance company, you should talk to the salesperson about what risks you're willing to accept so that you get the financial protection you need.

*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.

Progressive

Progressive (405) 400-0252

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Other insurance offered: Motorcycle, boat, RV, travel and more

Progressive sells most types of insurance, including car insurance. Many reviewers say they changed to Progressive because it could save them money. Customers say the company has an easy claims process. It's a verified InsuraMatch partner. Call InsuraMatch to get quotes from Progressive.

Liberty Mutual

Liberty Mutual (405) 546-2399

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Other insurance offered: Motorcycle, boat, RV, life and more

Liberty Mutual participates in InsuraMatch, so you can call InsuraMatch to get quotes quickly. In online reviews, Oklahoma customers say that their Liberty Mutual agent made sure they had the right auto insurance policies, and they like being able to manage their plans online.

The General

The General (405) 212-5875

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Other insurance offered: Life

The General Auto Insurance caters to people looking for basic coverage. Oklahoma customers say that The General makes it easy to get insurance and proof of coverage quickly. The company is an InsuraMatch partner, so you can call InsuraMatch or visit their website to get a quote.

Rightway Insurance

Rightway Insurance

Other insurance offered: Motorcycle, boat, RV and more

Rightway Insurance is a Dave Ramsey Endorsed Local Provider for insurance, and it has an A+ rating from the Better Business Bureau. In online reviews, customers report that the insurance agents are friendly and help them understand insurance more thoroughly so they can get all the protection that they need.

Auto Insurance Center

Auto Insurance Center

Other insurance offered: Motorcycle, home, life and business

Auto Insurance Center, or AIC, is well reviewed online, with customers saying agents are friendly and professional, and the insurance agency has an A+ rating from the BBB. The agency's website has helpful links so you can easily find information about their partner insurance companies and state coverage requirements.

Metro Insurance

Metro Insurance

Other insurance offered: Motorcycle, boat, RV and more

Metro Insurance serves the OKC area with 5 locations, and it also has offices in Tulsa, Missouri and Kansas, so you can continue working with them if you move. The agency's website also makes it easy to download insurance cards or request documents to send to your auto lender to prove you have car insurance.

Action Plus Insurance Agency

Action Plus Insurance Agency

Other insurance offered: Home, renters and business

Action Plus Insurance Agency gets positive ratings from online reviewers. Customers say that the insurance agency has friendly agents who offer good service. Action Plus has several OKC locations to make it easy for you to find an office near you.

Service Auto Insurance

Service Auto Insurance

Other insurance offered: Motorcyle, boats, RV and more

Service Auto Insurance has staff that speaks both English and Spanish. They pride themselves of finding the best car insurance rates for their customers, and several online reviewers report that the agency was able to find them better rates than anyone else.

Advantage 1 Insurance Agency

Advantage 1 Insurance Agency

Other insurance offered: Motorcycle and home

Advantage 1 Insurance Agency get positive reviews online. Customers say that the agency was able to find them low rates for car insurance. Advantage 1 has two OKC offices as well as locations in Tulsa, Arkansas, Missouri, Texas and Tennessee, so you can stay with them if you move.

Lynnae Insurance

Lynnae Insurance

Other insurance offered: Motorcycle, home, classic car and more

Lynnae Insurance Group strives to be a modern insurance agency, and it has online tools to get insurance cards or file a claim. Online reviewers appreciate the convenience. They also say that the staff goes out of their way to make sure they have the best insurance coverage for the cost.

State Auto Insurance Agency, Inc.

State Auto Insurance Agency, Inc.

Other insurance offered: Motorcycle, classic car, RV, ATV and more

State Auto Insurance Agency Inc. has an A+ rating from the BBB, and customers like the service the insurance agency provides. Online reviewers say that the agents develop personal relationships with them and get to know all their insurance needs. State Auto Insurance Agency has three OKC locations.

MetroOKC Insurance

MetroOKC Insurance

Other insurance offered: Home, business, life and more

MetroOKC Insurance says part of its goal is to educate people about the insurance coverage they need, and the agency's site includes a lot of useful information for customers. In online reviews, their customers say that have helpful insurance agents who find low priced auto insurance.

CPC Insurance Agency

CPC Insurance Agency

Other insurance offered: Motorcycle, classic car, boat, RV and more

CPC Insurance Agency, Inc. has an A+ rating from the Better Business Bureau, and many customers report that they've been with the company for many years. In online reviews, customers say that they like having annual reviews of their policies with the CPC insurance agent to make sure they have the right coverage.

American Insurance Partners

American Insurance Partners

Other insurance offered: Motorcycle, RV, boat, aviation and more

American Insurance Partners stresses the importance of getting custom, personalized insurance quotes so you have the protection you need. It gets praise from customers who say the insurance agency was able to help them save money on their car insurance. It also has an A+ rating from the BBB.

Above All Insurance, Inc.

Above All Insurance, Inc.

Other insurance offered: Motorcycle, RV, classic car, ATV and more

Above All Insurance's website includes helpful links and informational tips to help you understand your insurance needs. The insurance agency values the freedom independent insurance agents have to get quotes from multiple insurers to find you a good car insurance rate.

Econo-wise Insurance Agency, Inc.

Econo-wise Insurance Agency, Inc.

Other insurance offered: Motorcycle, boat, classic car and more

Econo-wise has two locations in OKC and has staff that speak both English and Spanish. Online reviewers say the staff is friendly and can help you find the insurance coverage you need, and many customers report that they've used the company for years.

Cheapest Auto Insurance

Cheapest Auto Insurance

Other insurance offered: Motorcycle

Cheapest Auto Insurance focuses on auto and vehicle insurance. The car insurance agency gets high ratings from online reviewers. Local customers says the agents got them lower car insurance rates than they'd found elsewhere. They also report that agents are friendly and work quickly.

Billy Doyal - Shelter Insurance

Billy Doyal - Shelter Insurance

Other insurance offered: Motorcycle, boat, ATV, RV and more

Billy Doyal is a licensed insurance agent who works with Shelter Insurance to offer many different kinds of coverage, including car insurance. He works to provide good service well after customers purchase an insurance policy, and in online reviews, his customers say they've worked with him for multiple years.

Tim Missaghi - Allstate

Tim Missaghi - Allstate

Other insurance offered: Motorcycle, boat, ATV and more

Tim Missaghi is an Allstate Insurance agent, licensed to work in Oklahoma. He's worked as an insurance agent for over 30 years and has won the National Conference Award from Allstate nine times. In online reviews, customers say he offers professional service.

Rick Case - Farmers

Rick Case - Farmers

Other insurance offered: Motorcycle, boat, life and more

Rick Case is a Farmers Insurance agent that can sell insurance products in Oklahoma. He's been a Farmers agent for more than 30 years and works to make buying car insurance a straightforward process. In online reviews, his customers say he was able to answer all their questions.