When it comes to finding the best car insurance in Oklahoma, it’s essential to consider various factors such as reputation, availability, coverage, cost, and customer experience. To help you navigate through the options available, the MarketWatch Guides team conducted a thorough review of providers in the state. Below, you’ll find a summary of our research, highlighting the pros and cons of each top provider.
Key Takeaways:
– State Farm ranks as the best car insurance provider in Oklahoma with an overall score of 9.4.
– The average cost of car insurance in Oklahoma is $43 monthly or $516 annually for a minimum-coverage policy.
– For full coverage, the average cost in Oklahoma is $190 monthly or $2,278 annually.
– Oklahoma drivers are required by law to carry 25/50/25 in liability insurance.
Best Oklahoma Car Insurance Companies:
After analyzing various factors, including reputation, availability, coverage, cost, and customer experience, the top car insurance companies in Oklahoma are State Farm, USAA, Progressive, Geico, and Shelter Insurance.
State Farm:
State Farm stands out as the best option for Oklahoma drivers, with a strong reputation, widespread availability, and competitive rates. The company offers all standard car insurance coverages, along with discounted premiums through their usage-based car insurance program, Drive Safe & Save™. State Farm also provides a range of optional add-ons for additional protection. With a high financial strength rating from AM Best and positive customer satisfaction ratings, State Farm is a reliable choice for car insurance in Oklahoma.
USAA:
USAA is an excellent option for military drivers in Oklahoma, offering great coverage, competitive rates, and top-notch customer service. The company provides all standard car insurance coverages, as well as roadside assistance, rental car reimbursement, and rideshare gap protection coverage. USAA’s financial strength rating from AM Best is top-notch, and the company consistently ranks well in customer satisfaction surveys.
Progressive:
Progressive is a great choice for tech-savvy drivers in Oklahoma, with a range of optional coverages, competitive rates, and innovative technology. The company offers personalized rates with their Snapshot® program and a wide selection of optional coverages, including roadside assistance, custom parts and equipment value coverage, and rental car reimbursement. While Progressive may not always score the highest in customer satisfaction surveys, their strong financial strength rating and variety of discounts make them a solid option for car insurance in Oklahoma.
Geico:
Geico is best suited for budget-conscious drivers in Oklahoma, offering affordable rates, solid customer service, and a variety of insurance products. The company provides all standard car insurance coverages, along with a few add-ons for increased protection. Geico’s DriveEasy UBI program allows drivers to save on premiums based on safe driving habits. With a high financial strength rating and a range of discounts available, Geico is a popular choice for cost-effective car insurance in Oklahoma.
Shelter Insurance:
Shelter Insurance is ideal for those seeking personalized service and a wide range of optional coverages in Oklahoma. The company offers both minimum- and full-coverage policies, along with benefits like roadside assistance, new car replacement, and accidental death benefit. With a strong financial strength rating and top marks for customer satisfaction, Shelter Insurance is a reliable option for car insurance in Oklahoma.
How to Find the Best Car Insurance in Oklahoma:
To find the best car insurance in Oklahoma, it’s important to understand the basic requirements and decide between minimum and full coverage policies. Oklahoma drivers must carry a minimum amount of liability insurance, with the state requiring 25/50/25 in liability coverage. Drivers can choose to purchase additional coverages for increased protection, such as comprehensive, collision, and uninsured/underinsured motorist coverage.
Factors That Affect Car Insurance Costs in Oklahoma:
Several personal factors can impact your car insurance rates in Oklahoma, including age, gender, marital status, city of residence, driving history, credit score, and vehicle make and model. Drivers in larger cities and urban areas may pay more for car insurance due to higher traffic and auto theft rates. Comparing quotes from multiple providers and taking advantage of discounts can help you save money on your premiums.
The Bottom Line:
The best car insurance companies in Oklahoma are State Farm, USAA, Progressive, Geico, and Shelter Insurance. Each of these providers offers competitive rates, comprehensive coverage options, and excellent customer service. By comparing quotes and considering your individual needs, you can find the right car insurance policy to protect yourself on the road.
In conclusion, finding the best car insurance in Oklahoma requires careful consideration of various factors, including reputation, coverage options, cost, and customer experience. By researching top providers and comparing quotes, you can secure the right coverage for your needs and drive with confidence on the Sooner State’s roads.