Auto Insurance Rate Comparison
Rate Comparison Chart:
Companies were asked to provide rates for their standard personal automobile program for each of the five scenarios shown using assumptions listed below.
| Scenario A | Scenario B | Scenario C | Scenario D | Scenario E |
|---|---|---|---|---|
|
|
|
|
|
This comparison of six month premiums for a 2018 Chevrolet Malibu LS 4-door sedan reflects the following insurance coverage: A $25,000 maximum bodily injury limit for anyone person in any one accident subject to a maximum for all bodily injury damages of $50,000 in any one accident; a $25,000 maximum limit for property damage liability for any one accident; a $500 comprehensive deductible; a $500 collision deductible.
PLEASE NOTE:
1) The following rate comparisons do not include available discounts for the actual operator (i.e. accident-free, good student, etc.) but do include discounts available for the vehicle. (i.e. passive restraint or anti-lock braking systems, etc.).
2) Each scenario provided has a quote for both a male and a female operator.
3) Each insurer has its own underwriting guidelines. These scenarios are assuming the insured meets all criteria as set forth by the company in determining eligibility.
*Since 2011, all new business for GEICO had been written in the GEICO Casualty Ins Co. However, effective 12/24/2020, all new business for GEICO is now written in GEICO Secure Ins. Co. Therefore, the rates shown are for GEICO Secure Ins. Co.
**Mid-Century Ins Co, part of the Farmers Ins Group, introduced a new Farmers Flex Auto Program eff 5/21/2022. Concurrently, the Farmers Smart Plan Auto program written in Farmers Ins Co was closed to New Business. Hence, the rates shown above for Farmers Ins Co are actually the new rates in Mid-Century’s Farmers Flex Auto Program.
(Updated November 2023)
All rates are shown in dollar amounts.
| OKLAHOMA CITY | A-Male | A-Female | B-Male | B-Female | C-Male | C-Female | D-Male | D-Female | E-Male | E-Female |
|---|---|---|---|---|---|---|---|---|---|---|
| ALLSTATE FIRE & CASUALTY INS. CO. | $6,845 | $6,287 | $2,067 | $1,683 | $1,095 | $1,095 | $1,074 | $1,016 | $1,136 | $1,074 |
| AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. | $3,125 | $2,997 | $2,202 | $2,118 | $1,482 | $1,431 | $1,457 | $1,408 | $1,512 | $1,461 |
| AMERICAN MERCURY INS. CO. | $5,239 | $4,300 | $3,164 | $2,465 | $1,314 | $1,269 | $1,020 | $986 | $1,170 | $1,149 |
| CSAA GENERAL INS. CO. | $5,653 | $5,775 | $1,724 | $1,735 | $1,153 | $1,054 | $1,028 | $908 | $1,128 | $919 |
| EQUITY INSURANCE COMPANY | $5,950 | $4,349 | $3,277 | $2,828 | $1,813 | $1,761 | $1,703 | $1,799 | $2,222 | $2,079 |
| FARMERS INSURANCE COMPANY (**Mid-Century Insurance Company) |
$8,313 | $6,052 | $3,094 | $2,439 | $1,399 | $1,506 | $1,190 | $1,200 | $1,190 | $1,299 |
| GARRISON PROPERTY & CASUALTY INSURANCE CO. | $3,902 | $3,764 | $1,414 | $1,364 | $786 | $769 | $699 | $696 | $715 | $719 |
| GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) | $2,025 | $2,059 | $641 | $651 | $388 | $388 | $368 | $368 | $388 | $387 |
| OKLAHOMA FARM BUREAU MUTUAL INS. CO. | $4,494 | $2,796 | $2,590 | $1,907 | $1,134 | $1,134 | $1,021 | $1,021 | $939 | $939 |
| PROGRESSIVE DIRECT INS. CO. | $5,607 | $5,095 | $2,115 | $1,874 | $1,167 | $1,181 | $999 | $954 | $1,117 | $1,054 |
| PROGRESSIVE NORTHERN INS. CO. | $6,151 | $5,608 | $2,161 | $1,785 | $1,240 | $1,178 | $909 | $872 | $968 | $915 |
| SAFECO INSURANCE CO. OF AMERICA | $2,326 | $2,135 | $1,064 | $1,001 | $561 | $524 | $574 | $535 | $574 | $512 |
| SHELTER MUTUAL INSURANCE CO. | $2,825 | $2,069 | $1,840 | $1,507 | $896 | $890 | $736 | $697 | $720 | $689 |
| STANDARD FIRE INS. CO. | $4,289 | $3,405 | $1,915 | $1,629 | $1,252 | $1,188 | $991 | $933 | $1,108 | $1,001 |
| STATE FARM FIRE & CASUALTY CO. | $4,416 | $3,496 | $2,255 | $1,829 | $1,120 | $1,120 | $1,031 | $1,031 | $918 | $918 |
| STATE FARM MUTUAL AUTOMOBILE INS. CO. | $3,653 | $2,896 | $1,837 | $1,490 | $901 | $901 | $838 | $838 | $750 | $750 |
| TRADERS INSURANCE COMPANY | $5,256 | $4,105 | $3,431 | $2,656 | $1,180 | $1,167 | $1,166 | $1,125 | $1,359 | $1,324 |
| UNITED SERVICES AUTOMOBILE ASSN. (*USAA) | $3,320 | $3,163 | $1,247 | $1,174 | $692 | $686 | $634 | $630 | $648 | $655 |
| USAA CASUALTY INS. CO. | $3,459 | $3,343 | $1,293 | $1,247 | $726 | $710 | $624 | $623 | $640 | $645 |
| USAA GENERAL INDEMNITY CO. | $4,666 | $4,498 | $1,644 | $1,586 | $901 | $881 | $801 | $799 | $823 | $828 |
| TULSA | A-Male | A-Female | B-Male | B-Female | C-Male | C-Female | D-Male | D-Female | E-Male | E-Female |
|---|---|---|---|---|---|---|---|---|---|---|
| ALLSTATE FIRE & CASUALTY INS. CO. | $6,590 | $6,057 | $1,916 | $1,564 | $1,020 | $1,024 | $1,007 | $953 | $1,072 | $1,015 |
| AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. | $2,849 | $2,733 | $2,014 | $1,937 | $1,361 | $1,316 | $1,339 | $1,294 | $1,366 | $1,321 |
| AMERICAN MERCURY INS. CO. | $5,075 | $4,171 | $3,047 | $2,378 | $1,255 | $1,217 | $980 | $945 | $1,128 | $1,107 |
| CSAA GENERAL INS. CO. | $5,999 | $6,130 | $1,827 | $1,839 | $1,218 | $1,114 | $1,087 | $959 | $1,190 | $968 |
| EQUITY INSURANCE COMPANY | $5,914 | $4,308 | $3,231 | $2,789 | $1,775 | $1,721 | $1,670 | $1,763 | $2,190 | $2,044 |
| FARMERS INSURANCE COMPANY (**Mid-Century Insurance Company) |
$8,454 | $6,100 | $3,165 | $2,468 | $1,429 | $1,525 | $1,213 | $1,215 | $1,209 | $1,314 |
| GARRISON PROPERTY & CASUALTY INSURANCE CO. | $4,023 | $3,885 | $1,441 | $1,392 | $801 | $784 | $710 | $708 | $731 | $736 |
| GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) | $1,994 | $2,027 | $634 | $644 | $385 | $385 | $364 | $364 | $383 | $383 |
| OKLAHOMA FARM BUREAU MUTUAL INS. CO. | $4,231 | $2,637 | $2,423 | $1,789 | $1,061 | $1,061 | $954 | $954 | $880 | $880 |
| PROGRESSIVE DIRECT INS. CO. | $5,605 | $5,096 | $2,111 | $1,866 | $1,150 | $1,166 | $985 | $942 | $1,109 | $1,046 |
| PROGRESSIVE NORTHERN INS. CO. | $6,238 | $5,686 | $2,176 | $1,788 | $1,225 | $1,164 | $897 | $865 | $968 | $915 |
| SAFECO INSURANCE CO. OF AMERICA | $2,379 | $2,185 | $1,053 | $992 | $540 | $505 | $553 | $515 | $562 | $502 |
| SHELTER MUTUAL INSURANCE CO. | $2,772 | $2,031 | $1,808 | $1,481 | $880 | $875 | $723 | $685 | $707 | $676 |
| STANDARD FIRE INS. CO. | $5,381 | $4,243 | $2,314 | $1,959 | $1,477 | $1,407 | $1,163 | $1,095 | $1,334 | $1,211 |
| STATE FARM FIRE & CASUALTY CO. | $4,706 | $3,733 | $2,399 | $1,944 | $1,183 | $1,183 | $1,091 | $1,091 | $975 | $975 |
| STATE FARM MUTUAL AUTOMOBILE INS. CO. | $3,892 | $3,091 | $1,955 | $1,585 | $953 | $953 | $888 | $888 | $796 | $796 |
| TRADERS INSURANCE COMPANY | $5,270 | $4,111 | $3,460 | $2,675 | $1,192 | $1,178 | $1,176 | $1,131 | $1,366 | $1,330 |
| UNITED SERVICES AUTOMOBILE ASSN. (*USAA) | $3,414 | $3,256 | $1,271 | $1,198 | $704 | $699 | $644 | $641 | $660 | $669 |
| USAA CASUALTY INS. CO. | $3,526 | $3,412 | $1,304 | $1,259 | $733 | $717 | $628 | $628 | $648 | $654 |
| USAA GENERAL INDEMNITY CO. | $4,888 | $4,714 | $1,704 | $1,647 | $935 | $915 | $828 | $828 | $856 | $863 |
| LAWTON | A-Male | A-Female | B-Male | B-Female | C-Male | C-Female | D-Male | D-Female | E-Male | E-Female |
|---|---|---|---|---|---|---|---|---|---|---|
| ALLSTATE FIRE & CASUALTY INS. CO. | $5,498 | $5,030 | $1,725 | $1,407 | $925 | $922 | $904 | $856 | $950 | $900 |
| AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. | $2,416 | $2,318 | $1,708 | $1,644 | $1,156 | $1,118 | $1,137 | $1,100 | $1,160 | $1,122 |
| AMERICAN MERCURY INS. CO. | $3,987 | $3,229 | $2,467 | $1,912 | $1,057 | $1,011 | $810 | $786 | $913 | $905 |
| CSAA GENERAL INS. CO. | $4,667 | $4,767 | $1,484 | $1,488 | $1,009 | $927 | $895 | $793 | $960 | $789 |
| EQUITY INSURANCE COMPANY | $5,026 | $3,651 | $2,741 | $2,352 | $1,501 | $1,453 | $1,413 | $1,492 | $1,857 | $1,729 |
| FARMERS INSURANCE COMPANY (**Mid-Century Insurance Company) |
$7,239 | $5,260 | $2,824 | $2,219 | $1,339 | $1,391 | $1,153 | $1,133 | $1,110 | $1,178 |
| GARRISON PROPERTY & CASUALTY INSURANCE CO. | $3,499 | $3,370 | $1,279 | $1,231 | $725 | $707 | $643 | $640 | $655 | $658 |
| GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) | $1,636 | $1,667 | $545 | $551 | $342 | $342 | $322 | $322 | $333 | $333 |
| OKLAHOMA FARM BUREAU MUTUAL INS. CO. | $3,728 | $2,325 | $2,151 | $1,605 | $983 | $983 | $885 | $885 | $801 | $801 |
| PROGRESSIVE DIRECT INS. CO. | $5,061 | $4,605 | $1,954 | $1,737 | $1,122 | $1,130 | $958 | $912 | $1,054 | $993 |
| PROGRESSIVE NORTHERN INS. CO. | $5,253 | $4,784 | $1,892 | $1,573 | $1,130 | $1,069 | $828 | $788 | $862 | $811 |
| SAFECO INSURANCE CO. OF AMERICA | $1,774 | $1,634 | $913 | $859 | $508 | $476 | $520 | $486 | $502 | $453 |
| SHELTER MUTUAL INSURANCE CO. | $2,164 | $1,585 | $1,406 | $1,152 | $684 | $680 | $562 | $532 | $551 | $528 |
| STANDARD FIRE INS. CO. | $3,898 | $3,122 | $1,793 | $1,530 | $1,173 | $1,118 | $933 | $880 | $1,036 | $937 |
| STATE FARM FIRE & CASUALTY CO. | $3,714 | $2,932 | $1,915 | $1,554 | $965 | $965 | $884 | $884 | $782 | $782 |
| STATE FARM MUTUAL AUTOMOBILE INS. CO. | $3,056 | $2,418 | $1,549 | $1,256 | $770 | $770 | $713 | $713 | $635 | $635 |
| TRADERS INSURANCE COMPANY | $4,365 | $3,376 | $3,108 | $2,335 | $1,040 | $1,021 | $1,018 | $966 | $1,212 | $1,118 |
| UNITED SERVICES AUTOMOBILE ASSN. (*USAA) | $3,044 | $2,900 | $1,147 | $1,079 | $644 | $637 | $588 | $585 | $599 | $606 |
| USAA CASUALTY INS. CO. | $3,087 | $2,982 | $1,161 | $1,118 | $664 | $648 | $569 | $568 | $582 | $586 |
| USAA GENERAL INDEMNITY CO. | $4,057 | $3,906 | $1,442 | $1,389 | $806 | $787 | $715 | $713 | $731 | $736 |
| WOODWARD | A-Male | A-Female | B-Male | B-Female | C-Male | C-Female | D-Male | D-Female | E-Male | E-Female |
|---|---|---|---|---|---|---|---|---|---|---|
| ALLSTATE FIRE & CASUALTY INS. CO. | $4,981 | $4,557 | $1,660 | $1,357 | $898 | $890 | $870 | $823 | $904 | $856 |
| AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. | $2,560 | $2,462 | $1,856 | $1,792 | $1,307 | $1,269 | $1,288 | $1,251 | $1,311 | $1,273 |
| AMERICAN MERCURY INS. CO. | $3,796 | $3,062 | $2,395 | $1,854 | $1,052 | $996 | $796 | $777 | $884 | $884 |
| CSAA GENERAL INS. CO. | $5,559 | $5,680 | $1,775 | $1,777 | $1,198 | $1,101 | $1,066 | $943 | $1,130 | $928 |
| EQUITY INSURANCE COMPANY | $3,831 | $2,758 | $2,076 | $1,765 | $1,126 | $1,084 | $1,061 | $1,115 | $1,403 | $1,298 |
| FARMERS INSURANCE COMPANY (**Mid-Century Insurance Company) |
$7,089 | $5,087 | $2,741 | $2,138 | $1,281 | $1,337 | $1,098 | $1,082 | $1,066 | $1,136 |
| GARRISON PROPERTY & CASUALTY INSURANCE CO. | $3,313 | $3,176 | $1,255 | $1,199 | $731 | $710 | $648 | $642 | $646 | $646 |
| GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) | $1,701 | $1,711 | $614 | $612 | $390 | $390 | $365 | $365 | $369 | $369 |
| OKLAHOMA FARM BUREAU MUTUAL INS. CO. | $3,890 | $2,424 | $2,260 | $1,691 | $1,054 | $1,054 | $949 | $949 | $852 | $852 |
| PROGRESSIVE DIRECT INS. CO. | $4,412 | $4,014 | $1,784 | $1,583 | $1,097 | $1,096 | $932 | $881 | $993 | $932 |
| PROGRESSIVE NORTHERN INS. CO. | $4,626 | $4,215 | $1,763 | $1,471 | $1,126 | $1,051 | $820 | $772 | $824 | $766 |
| SAFECO INSURANCE CO. OF AMERICA | $1,826 | $1,681 | $946 | $890 | $526 | $492 | $539 | $504 | $518 | $467 |
| SHELTER MUTUAL INSURANCE CO. | $2,328 | $1,705 | $1,501 | $1,230 | $731 | $726 | $600 | $568 | $593 | $568 |
| STANDARD FIRE INS. CO. | $3,760 | $3,014 | $1,736 | $1,481 | $1,145 | $1,089 | $908 | $857 | $1,003 | $905 |
| STATE FARM FIRE & CASUALTY CO. | $3,416 | $2,653 | $1,846 | $1,498 | $1,005 | $1,005 | $900 | $900 | $773 | $773 |
| STATE FARM MUTUAL AUTOMOBILE INS. CO. | $2,737 | $2,135 | $1,450 | $1,175 | $775 | $775 | $702 | $702 | $608 | $608 |
| TRADERS INSURANCE COMPANY | $3,846 | $2,948 | $2,967 | $2,167 | $962 | $940 | $937 | $875 | $1,028 | $1,001 |
| UNITED SERVICES AUTOMOBILE ASSN. (*USAA) | $2,828 | $2,680 | $1,110 | $1,035 | $638 | $627 | $583 | $574 | $576 | $579 |
| USAA CASUALTY INS. CO. | $2,995 | $2,879 | $1,166 | $1,114 | $683 | $664 | $586 | $582 | $586 | $587 |
| USAA GENERAL INDEMNITY CO. | $3,937 | $3,763 | $1,477 | $1,407 | $855 | $829 | $759 | $751 | $751 | $750 |
| McALESTER | A-Male | A-Female | B-Male | B-Female | C-Male | C-Female | D-Male | D-Female | E-Male | E-Female |
|---|---|---|---|---|---|---|---|---|---|---|
| ALLSTATE FIRE & CASUALTY INS. CO. | $5,125 | $4,649 | $1,658 | $1,346 | $883 | $879 | $861 | $816 | $901 | $854 |
| AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. | $2,858 | $2,741 | $2,022 | $1,946 | $1,370 | $1,325 | $1,348 | $1,303 | $1,375 | $1,330 |
| AMERICAN MERCURY INS. CO. | $4,106 | $3,319 | $2,541 | $1,968 | $1,088 | $1,039 | $834 | $808 | $939 | $934 |
| CSAA GENERAL INS. CO. | $4,727 | $4,831 | $1,513 | $1,515 | $1,023 | $944 | $909 | $807 | $969 | $799 |
| EQUITY INSURANCE COMPANY | $4,448 | $3,246 | $2,453 | $2,112 | $1,356 | $1,316 | $1,275 | $1,344 | $1,662 | $1,553 |
| FARMERS INSURANCE COMPANY (**Mid-Century Insurance Company) |
$7,257 | $5,273 | $2,847 | $2,227 | $1,352 | $1,397 | $1,164 | $1,140 | $1,117 | $1,181 |
| GARRISON PROPERTY & CASUALTY INSURANCE CO. | $3,689 | $3,548 | $1,369 | $1,314 | $777 | $757 | $690 | $685 | $695 | $697 |
| GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) | $1,897 | $1,877 | $938 | $920 | $446 | $446 | $416 | $416 | $418 | $418 |
| OKLAHOMA FARM BUREAU MUTUAL INS. CO. | $3,732 | $2,324 | $2,151 | $1,597 | $967 | $967 | $870 | $870 | $793 | $793 |
| PROGRESSIVE DIRECT INS. CO. | $4,734 | $4,316 | $1,834 | $1,620 | $1,034 | $1,041 | $886 | $846 | $986 | $928 |
| PROGRESSIVE NORTHERN INS. CO. | $4,420 | $4,026 | $1,593 | $1,316 | $939 | $887 | $687 | $656 | $720 | $678 |
| SAFECO INSURANCE CO. OF AMERICA | $2,015 | $1,853 | $1,040 | $977 | $576 | $538 | $591 | $551 | $567 | $509 |
| SHELTER MUTUAL INSURANCE CO. | $2,253 | $1,650 | $1,460 | $1,196 | $711 | $707 | $584 | $553 | $574 | $549 |
| STANDARD FIRE INS. CO. | $3,777 | $3,018 | $1,726 | $1,473 | $1,131 | $1,077 | $898 | $847 | $1,000 | $906 |
| STATE FARM FIRE & CASUALTY CO. | $3,655 | $2,858 | $1,937 | $1,572 | $1,023 | $1,023 | $925 | $925 | $804 | $804 |
| STATE FARM MUTUAL AUTOMOBILE INS. CO. | $2,963 | $2,324 | $1,249 | $1,450 | $800 | $775 | $731 | $702 | $640 | $608 |
| TRADERS INSURANCE COMPANY | $4,379 | $3,380 | $3,233 | $2,389 | $1,050 | $1,033 | $1,032 | $973 | $1,151 | $1,125 |
| UNITED SERVICES AUTOMOBILE ASSN. (*USAA) | $3,146 | $2,989 | $1,206 | $1,129 | $681 | $672 | $622 | $616 | $624 | $629 |
| USAA CASUALTY INS. CO. | $3,204 | $3,090 | $1,222 | $1,173 | $701 | $684 | $602 | $599 | $608 | $611 |
| USAA GENERAL INDEMNITY CO. | $4,413 | $4,236 | $1,600 | $1,535 | $905 | $882 | $802 | $798 | $809 | $812 |