Find Oklahoma car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble. Once ready, see the best local and statewide car insurers.
Car insurance in Oklahoma often costs more than the national average. Drivers here deal with a mix of fast-growing metro areas, long highway travel, and weather risks that push claim costs higher. Tornado season, hailstorms, and traffic along I-35 and I-40 all play a role in shaping what people pay across the state.
Curious about car financing? See real Oklahoma car loan rates shared by our community. Also find Oklahoma best car loan lenders in your area (also community recommended).
Oklahoma’s 25/50/25 Rule: What It Covers
Oklahoma law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $25,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $50,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $25,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
Oklahoma does not require coverage for injuries caused by uninsured drivers. You can add this protection to help cover costs if the other driver has no insurance.
MFP Tip: Hail can total a car in minutes. Coverage for damage to your own car can save you from paying for storm repairs out of pocket.
Oklahoma New Car Insurance Costs
Your new auto price depends on the value of your car, how much coverage you choose, and your credit history. New cars usually cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $225 | $261 | $285 | $460 |
| Standard | $189 | $219 | $239 | $386 | |
| Liability only | $106 | $123 | $134 | $217 | |
| $40K-$60K | Full | $190 | $221 | $241 | $389 |
| Standard | $158 | $184 | $200 | $324 | |
| Liability only | $91 | $105 | $115 | $186 | |
| $25K-$40K | Full | $166 | $193 | $210 | $340 |
| Standard | $138 | $160 | $175 | $282 | |
| Liability only | $80 | $94 | $102 | $165 | |
| Below $25K | Full | $146 | $169 | $184 | $298 |
| Standard | $120 | $139 | $152 | $245 | |
| Liability only | $71 | $82 | $90 | $145 |
Oklahoma Used Car Insurance Costs
Used cars often cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $170 | $197 | $215 | $348 |
| Standard | $142 | $165 | $180 | $290 | |
| Liability only | $81 | $94 | $103 | $166 | |
| $15K-$40K | Full | $142 | $165 | $180 | $290 |
| Standard | $117 | $137 | $149 | $240 | |
| Liability only | $69 | $80 | $87 | $141 | |
| Below $15K | Full | $119 | $138 | $151 | $243 |
| Standard | $97 | $113 | $123 | $199 | |
| Liability only | $58 | $68 | $74 | $120 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Influences Oklahoma Car Insurance Prices
In Oklahoma, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, ask for a new quote before your policy renews. A better credit history can lead to a lower bill.
Finding the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why Oklahoma’s Minimums Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles on Oklahoma roads cost more than $25,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $25,000 for a single person. If more than one person is hurt, the $50,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
About one in seven Oklahoma drivers is uninsured. Coverage for injuries and damage to your own car can help when the other driver cannot pay.
What Shapes Oklahoma Rates
Oklahoma uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Tornadoes, hail, and heavy storms can damage parked cars and lead to claims across the state.
Traffic around Oklahoma City, Tulsa, and major highways like I-35 and I-40 raises the chance of minor crashes and repair costs.
How Oklahoma Drivers Can Bring Their Insurance Costs Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you park in a garage during storm season, let your insurer know. Protected parking can lower the chance of weather-related claims.
What to Do After Buying a Car in Oklahoma
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the Oklahoma Tax Commission. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
Oklahoma Best Car Insurance
Find Oklahoma best local insurers by metro areas based on community recommendations
Oklahoma City, Tulsa, Norman, Broken Arrow, Edmond, Lawton, Moore, Midwest City, Enid, Stillwater, Online Lenders
Oklahoma City Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Oklahoma City’s area are Carlos Labrador Jr, agent, State Farm, INSURICA and Oklahoma Farm Bureau Insurance.
Carlos Labrador Jr, agent, State Farm (90% Recommend)
- Carlos Labrador Jr scores 4.7 Easy Application, 4.5 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Oklahoma City’s top 3.
- Customers can work with a local State Farm office while still getting a simple quote path from a large insurer.
INSURICA (87% Recommend)
- INSURICA has 4.5 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, only 0.1 below Carlos Labrador Jr on Support & Guidance.
- INSURICA is a good fit for drivers who want help comparing companies instead of choosing from one carrier only.
Oklahoma Farm Bureau Insurance (84% Recommend)
- Oklahoma Farm Bureau Insurance scores 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching INSURICA on Terms & Premium Satisfaction.
- It works well for Oklahoma drivers who prefer an in-state insurer and a local agent to call when they have questions.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Carlos Labrador Jr, agent, State Farm | Insurer | 4.7 | 4.5 | 4.9 | 90% |
| INSURICA | Agency | 4.5 | 4.6 | 4.8 | 87% |
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 84% |
| Mai McCoy, agent, State Farm | Insurer | 4.6 | 4.4 | 4.7 | 84% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 82% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 81% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 80% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 79% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 79% |
| Farmers Insurance | Insurer | 4.3 | 4.1 | 4.2 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 75% |
| Nationwide | Insurer | 4.2 | 4.1 | 4.1 | 74% |
| Liberty Mutual | Insurer | 4.3 | 3.9 | 4.0 | 73% |
| American Family Insurance | Insurer | 4.2 | 4.1 | 4.1 | 73% |
Tulsa Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Tulsa’s area are Rich & Cartmill, Shannon Grisham, agent, State Farm and INSURICA.
Rich & Cartmill (89% Recommend)
- Rich & Cartmill scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Tulsa’s top 3.
- Drivers can get help comparing several companies, which is useful when price and coverage details are hard to judge alone.
Shannon Grisham, agent, State Farm (87% Recommend)
- Shannon Grisham has 4.6 Easy Application, 4.4 Terms & Premium Satisfaction and 4.8 Support & Guidance, only 0.1 below Rich & Cartmill on Support & Guidance.
- State Farm is a practical choice for Tulsa drivers who want a local agent and a direct quote path from one company.
INSURICA (85% Recommend)
- INSURICA scores 4.5 Easy Application, 4.5 Terms & Premium Satisfaction and 4.7 Support & Guidance, matching Shannon Grisham closely on service support.
- INSURICA works well for drivers who want an agency to help narrow down coverage choices before buying.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Rich & Cartmill | Agency | 4.6 | 4.6 | 4.9 | 89% |
| Shannon Grisham, agent, State Farm | Insurer | 4.6 | 4.4 | 4.8 | 87% |
| INSURICA | Agency | 4.5 | 4.5 | 4.7 | 85% |
| Jake Phillip, agent, State Farm | Insurer | 4.5 | 4.3 | 4.6 | 83% |
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 83% |
| Hometown Insurance Agency | Agency | 4.4 | 4.4 | 4.6 | 82% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 81% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 80% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 79% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 78% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 78% |
| Farmers Insurance | Insurer | 4.3 | 4.1 | 4.2 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 75% |
| Liberty Mutual | Insurer | 4.3 | 3.9 | 4.0 | 73% |
Norman Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Norman’s area are Garner Insurance, Oklahoma Farm Bureau Insurance and State Farm.
Garner Insurance (88% Recommend)
- Garner Insurance scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Norman’s top 3.
- Garner is a good fit for Norman drivers who want a local agency to compare options and help with policy questions.
Oklahoma Farm Bureau Insurance (84% Recommend)
- Oklahoma Farm Bureau Insurance has 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching Garner on Terms & Premium Satisfaction.
- It works well for drivers who want an Oklahoma-based company and a local agent involved in the process.
State Farm (80% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with stronger Easy Application than Oklahoma Farm Bureau.
- State Farm is a practical choice for drivers who want a familiar insurer and an agent they can reach nearby.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Garner Insurance | Agency | 4.6 | 4.6 | 4.8 | 88% |
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 80% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 79% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
| Farmers Insurance | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 75% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 74% |
Broken Arrow Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Broken Arrow’s area are Hometown Insurance Agency, Rich & Cartmill and Oklahoma Farm Bureau Insurance.
Hometown Insurance Agency (88% Recommend)
- Hometown Insurance Agency scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Broken Arrow’s top 3.
- Drivers can work with a local agency that helps compare companies instead of pushing one policy only.
Rich & Cartmill (84% Recommend)
- Rich & Cartmill has 4.5 Easy Application, 4.5 Terms & Premium Satisfaction and 4.7 Support & Guidance, only 0.1 below Hometown on support.
- Rich & Cartmill is useful for drivers who want advice before choosing coverage and do not want to shop alone.
Oklahoma Farm Bureau Insurance (82% Recommend)
- Oklahoma Farm Bureau Insurance scores 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the highest Terms & Premium Satisfaction among the top 3.
- It is a solid option for drivers who prefer an Oklahoma insurer and local agent service.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hometown Insurance Agency | Agency | 4.6 | 4.6 | 4.8 | 88% |
| Rich & Cartmill | Agency | 4.5 | 4.5 | 4.7 | 84% |
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 82% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 79% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 78% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 77% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 76% |
| Farmers Insurance | Insurer | 4.3 | 4.1 | 4.2 | 75% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 74% |
Edmond Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Edmond’s area are Justin Carlton, agent, State Farm, Oklahoma Farm Bureau Insurance and INSURICA.
Justin Carlton, agent, State Farm (88% Recommend)
- Justin Carlton scores 4.7 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Edmond’s top 3.
- Edmond drivers can get local agent help while still using State Farm’s direct quote and policy setup.
Oklahoma Farm Bureau Insurance (84% Recommend)
- Oklahoma Farm Bureau Insurance has 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the highest Terms & Premium Satisfaction among the top 3.
- It is a good fit for drivers who want an Oklahoma-based company and local help with coverage choices.
INSURICA (83% Recommend)
- INSURICA scores 4.5 Easy Application, 4.5 Terms & Premium Satisfaction and 4.7 Support & Guidance, 0.1 higher than Oklahoma Farm Bureau on Support & Guidance.
- INSURICA works well for drivers who want an agency to compare several options before choosing a policy.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Justin Carlton, agent, State Farm | Insurer | 4.7 | 4.5 | 4.8 | 88% |
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 84% |
| INSURICA | Agency | 4.5 | 4.5 | 4.7 | 83% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 81% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 80% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
| Farmers Insurance | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 75% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 74% |
Lawton Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Lawton’s area are Wilcox & McGrath Insurance, Oklahoma Farm Bureau Insurance and State Farm.
Wilcox & McGrath Insurance (87% Recommend)
- Wilcox & McGrath Insurance scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Lawton’s top 3.
- Drivers can get local help comparing auto insurance choices and asking questions before committing to a policy.
Oklahoma Farm Bureau Insurance (83% Recommend)
- Oklahoma Farm Bureau Insurance has 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among the top 3.
- It works well for Lawton drivers who want an Oklahoma company and local agent support.
State Farm (80% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with stronger Easy Application than Oklahoma Farm Bureau.
- State Farm is a practical choice for drivers who want a familiar insurer and a local office they can call.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wilcox & McGrath Insurance | Agency | 4.6 | 4.5 | 4.8 | 87% |
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 83% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 79% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 78% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 77% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 76% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 75% |
Moore Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Moore’s area are Oklahoma Farm Bureau Insurance, State Farm and Progressive.
Oklahoma Farm Bureau Insurance (84% Recommend)
- Oklahoma Farm Bureau Insurance scores 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the highest Terms and Support scores among Moore’s top 3.
- It is a good fit for Moore drivers who want an Oklahoma insurer and an agent who can explain coverage choices.
State Farm (81% Recommend)
- State Farm has 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, the strongest Easy Application among the top 3.
- State Farm works well for drivers who want a recognizable company and a nearby agent to help with the policy.
Progressive (78% Recommend)
- Progressive scores 4.7 Easy Application, 4.3 Terms & Premium Satisfaction and 4.1 Support & Guidance, with the easiest quote process among the top 3.
- Progressive is a practical option for drivers who want to compare prices quickly and do more online.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 78% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 78% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 77% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 76% |
Midwest City Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Midwest City’s area are Oklahoma Farm Bureau Insurance, State Farm and Mercury Insurance.
Oklahoma Farm Bureau Insurance (84% Recommend)
- Oklahoma Farm Bureau Insurance scores 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the highest Terms and Support scores among Midwest City’s top 3.
- It is a strong match for drivers who want a local Oklahoma option and help from an agent.
State Farm (81% Recommend)
- State Farm has 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with stronger Easy Application than Oklahoma Farm Bureau.
- State Farm is useful for drivers who want a local office and a familiar company behind the policy.
Mercury Insurance (79% Recommend)
- Mercury Insurance scores 4.4 Easy Application, 4.4 Terms & Premium Satisfaction and 4.2 Support & Guidance, with stronger Terms than State Farm.
- Mercury can be a good option for drivers who want to compare price and coverage through a local agency.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 79% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 78% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 77% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 76% |
Enid Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Enid’s area are Oklahoma Farm Bureau Insurance, Messer-Bowers Insurance and State Farm.
Oklahoma Farm Bureau Insurance (85% Recommend)
- Oklahoma Farm Bureau Insurance scores 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms score among Enid’s top 3.
- It is a solid choice for Enid drivers who want an Oklahoma insurer and local agent help.
Messer-Bowers Insurance (84% Recommend)
- Messer-Bowers Insurance has 4.4 Easy Application, 4.5 Terms & Premium Satisfaction and 4.7 Support & Guidance, the highest Support & Guidance among the top 3.
- Drivers can use the agency to compare options and get help with coverage questions before choosing a company.
State Farm (80% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the highest Easy Application among the top 3.
- State Farm works well for drivers who want a familiar insurer and an agent they can contact locally.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 85% |
| Messer-Bowers Insurance | Agency | 4.4 | 4.5 | 4.7 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 78% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 77% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 76% |
Stillwater Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Stillwater’s area are Oklahoma Farm Bureau Insurance, Shelter Insurance and State Farm.
Oklahoma Farm Bureau Insurance (84% Recommend)
- Oklahoma Farm Bureau Insurance scores 4.2 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the highest Terms and Support scores among Stillwater’s top 3.
- It is a good fit for drivers who want an Oklahoma company and an agent to help explain the policy.
Shelter Insurance (80% Recommend)
- Shelter Insurance has 4.2 Easy Application, 4.4 Terms & Premium Satisfaction and 4.4 Support & Guidance, 0.2 below Oklahoma Farm Bureau on Support & Guidance.
- Shelter is a practical option for drivers who want local agent help and a straightforward policy setup.
State Farm (79% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, giving it the strongest Easy Application among the top 3.
- State Farm works well for drivers who want a recognizable company and a local office they can contact.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Oklahoma Farm Bureau Insurance | Insurer | 4.2 | 4.6 | 4.6 | 84% |
| Shelter Insurance | Insurer | 4.2 | 4.4 | 4.4 | 80% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 79% |
| Mercury Insurance | Insurer | 4.4 | 4.4 | 4.2 | 78% |
| Progressive | Insurer | 4.7 | 4.3 | 4.1 | 77% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 76% |
End Note
Meeting the legal minimum keeps you driving, but severe weather, busy highways, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in Oklahoma, not just what the law requires.