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
  • Age: 16
  • Single male/female
  • Principal operator
  • Drives to school
  • No accidents or moving violations in three years
  • Drives less than 7,500 miles annually
  • Age: 21
  • Single male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in three years
  • Drives 12,000 miles annually
  • Age: 36
  • Married male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in three years
  • Drives 12,000 miles annually
  • Age: 55
  • Married male/female
  • Principal operator
  • Drives 18 miles roundtrip to work
  • No accidents or moving violations in three years
  • Drives 12,000 miles annually
  • Age: 70
  • Married male/female
  • Principal operator
  • Pleasure use only
  • No accidents or moving violations in three years
  • Drives 7,500 miles annually

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.

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. $3,059 $2,795 $1,191 $970 $648 $648 $617 $617 $641 $641
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,867 $2,750 $2,061 $1,983 $1,420 $1,373 $1,397 $1,350 $1,446 $1,398
AMERICAN MERCURY INS. CO. $3,843 $3,056 $2,219 $1,740 $942 $977 $737 $744 $932 $843
CSAA GENERAL INS. CO. $3,182 $2,788 $1,890 $1,659 $955 $818 $911 $734 $1,030 $785
EQUITY INSURANCE COMPANY $5,335 $4,003 $2,956 $2,609 $1,703 $1,659 $1,601 $1,701 $2,089 $1,973
FARMERS INSURANCE COMPANY $5,297 $4,901 $1,956 $1,749 $1,339 $1,312 $997 $933 $1,024 $942
GARRISON PROPERTY & CASUALTY INSURANCE CO. $4,098 $3,838 $1,337 $1,254 $652 $644 $592 $590 $600 $600
GEICO CASUALTY CO. (*GEICO SECURE INS. CO.) $1,319 $1,338 $426 $432 $265 $265 $255 $255 $260 $260
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,361 $2,079 $1,972 $1,428 $843 $843 $758 $758 $699 $699
PROGRESSIVE DIRECT INS. CO. $4,632 $4,182 $1,509 $1,403 $1,016 $1,039 $884 $856 $988 $974
PROGRESSIVE NORTHERN INS. CO. $5,562 $4,981 $1,591 $1,361 $1,048 $1,068 $812 $812 $939 $891
SAFECO INSURANCE CO. OF AMERICA $2,545 $2,323 $1,008 $948 $473 $443 $477 $449 $511 $463
SHELTER MUTUAL INSURANCE CO. $2,320 $1,755 $1,379 $1,170 $669 $669 $552 $552 $510 $510
STANDARD FIRE INS. CO. $3,273 $2,622 $1,518 $1,292 $1,002 $951 $795 $748 $873 $783
STATE FARM FIRE & CASUALTY CO. $4,490 $3,556 $2,277 $1,847 $1,127 $1,127 $1,045 $1,045 $930 $930
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,941 $2,329 $1,477 $1,199 $727 $727 $677 $677 $604 $604
TRADERS INSURANCE COMPANY $5,216 $4,126 $3,325 $2,515 $1,173 $1,162 $1,170 $1,117 $1,339 $1,312
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,962 $2,770 $958 $873 $512 $512 $481 $479 $486 $491
USAA CASUALTY INS. CO. $3,414 $3,228 $1,033 $958 $540 $539 $485 $485 $493 $501
USAA GENERAL INDEMNITY CO. $3,605 $3,337 $1,149 $1,067 $625 $616 $555 $554 $561 $566
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. $3,436 $3,125 $1,249 $1,014 $669 $669 $642 $642 $675 $675
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,612 $2,507 $1,884 $1,814 $1,305 $1,262 $1,283 $1,241 $1,309 $1,266
AMERICAN MERCURY INS. CO. $3,908 $3,114 $2,240 $1,753 $935 $974 $734 $741 $939 $847
CSAA GENERAL INS. CO. $3,460 $3,029 $2,065 $1,809 $1,046 $892 $994 $799 $1,121 $850
EQUITY INSURANCE COMPANY $5,331 $3,984 $2,927 $2,576 $1,675 $1,631 $1,576 $1,678 $2,070 $1,953
FARMERS INSURANCE COMPANY $5,418 $5,032 $2,029 $1,812 $1,381 $1,352 $1,027 $960 $1,053 $968
GARRISON PROPERTY & CASUALTY INSURANCE CO. $4,230 $3,964 $1,362 $1,280 $663 $656 $601 $600 $612 $614
GEICO CASUALTY CO. (*GEICO SECURE INS. CO.) $1,297 $1,316 $422 $427 $263 $263 $252 $252 $257 $257
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,110 $1,927 $1,814 $1,318 $776 $776 $699 $699 $645 $654
PROGRESSIVE DIRECT INS. CO. $4,574 $4,123 $1,478 $1,372 $986 $1,010 $859 $834 $967 $958
PROGRESSIVE NORTHERN INS. CO. $6,019 $5,383 $1,684 $1,435 $1,096 $1,119 $849 $849 $997 $944
SAFECO INSURANCE CO. OF AMERICA $2,598 $2,374 $1,016 $955 $467 $438 $470 $443 $510 $462
SHELTER MUTUAL INSURANCE CO. $2,303 $1,742 $1,369 $1,162 $664 $664 $547 $547 $506 $506
STANDARD FIRE INS. CO. $4,070 $3,234 $1,804 $1,531 $1,164 $1,106 $916 $862 $1,036 $937
STATE FARM FIRE & CASUALTY CO. $4,707 $3,733 $2,388 $1,935 $1,174 $1,174 $1,089 $1,089 $973 $973
STATE FARM MUTUAL AUTOMOBILE INS. CO. $3,078 $2,442 $1,547 $1,254 $757 $757 $705 $705 $631 $631
TRADERS INSURANCE COMPANY $5,400 $4,268 $3,457 $2,612 $1,220 $1,207 $1,216 $1,159 $1,391 $1,361
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $3,050 $2,857 $976 $890 $520 $520 $487 $487 $494 $501
USAA CASUALTY INS. CO. $3,493 $3,306 $1,044 $969 $544 $544 $488 $489 $498 $506
USAA GENERAL INDEMNITY CO. $3,774 $3,492 $1,187 $1,104 $645 $636 $572 $572 $581 $587
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. $2,953 $2,675 $1,152 $935 $622 $622 $594 $594 $617 $617
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,216 $2,127 $1,600 $1,540 $1,109 $1,072 $1,091 $1,055 $1,113 $1,076
AMERICAN MERCURY INS. CO. $3,143 $2,479 $1,848 $1,446 $805 $826 $624 $628 $774 $704
CSAA GENERAL INS. CO. $2,576 $2,253 $1,585 $1,386 $846 $716 $795 $636 $878 $667
EQUITY INSURANCE COMPANY $4,538 $3,385 $2,487 $2,183 $1,419 $1,381 $1,336 $1,423 $1,757 $1,656
FARMERS INSURANCE COMPANY $4,254 $3,932 $1,665 $1,493 $1,162 $1,141 $857 $806 $857 $789
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,667 $3,427 $1,210 $1,133 $598 $590 $542 $539 $546 $546
GEICO CASUALTY CO. (*GEICO SECURE INS. CO.) $1,080 $1,093 $369 $371 $237 $237 $225 $225 $224 $224
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $2,698 $1,674 $1,581 $1,161 $708 $708 $637 $637 $577 $577
PROGRESSIVE DIRECT INS. CO. $4,229 $3,831 $1,436 $1,335 $997 $1,013 $865 $834 $945 $922
PROGRESSIVE NORTHERN INS. CO. $4,936 $4,427 $1,480 $1,273 $997 $1,009 $771 $768 $866 $822
SAFECO INSURANCE CO. OF AMERICA $1,895 $1,734 $815 $675 $405 $380 $409 $385 $423 $385
SHELTER MUTUAL INSURANCE CO. $1,773 $1,342 $1,054 $895 $512 $512 $422 $422 $391 $391
STANDARD FIRE INS. CO. $2,983 $2,412 $1,425 $1,220 $944 $898 $750 $707 $820 $737
STATE FARM FIRE & CASUALTY CO. $3,670 $2,898 $1,878 $1,524 $942 $942 $870 $870 $770 $770
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,396 $1,893 $1,213 $984 $605 $605 $560 $560 $498 $498
TRADERS INSURANCE COMPANY $4,475 $3,488 $3,100 $2,272 $1,075 $1,056 $1,058 $994 $1,172 $1,148
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,725 $2,551 $885 $806 $476 $475 $446 $444 $448 $453
USAA CASUALTY INS. CO. $3,045 $2,879 $928 $860 $490 $489 $440 $439 $444 $451
USAA GENERAL INDEMNITY CO. $3,138 $2,897 $1,012 $939 $560 $550 $497 $495 $499 $502
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. $2,688 $2,436 $1,115 $908 $610 $610 $578 $578 $594 $594
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,362 $2,273 $1,748 $1,688 $1,259 $1,223 $1,241 $1,206 $1,263 $1,227
AMERICAN MERCURY INS. CO. $2,983 $2,335 $1,795 $1,405 $814 $824 $622 $627 $753 $690
CSAA GENERAL INS. CO. $3,024 $2,642 $1,912 $1,663 $1,032 $866 $965 $763 $1,049 $786
EQUITY INSURANCE COMPANY $3,474 $2,577 $1,889 $1,650 $1,067 $1,036 $1,005 $1,074 $1,332 $1,253
FARMERS INSURANCE COMPANY $4,824 $4,438 $2,115 $1,911 $1,535 $1,515 $1,115 $1,062 $1,058 $973
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,473 $3,223 $1,194 $1,110 $603 $591 $545 $539 $536 $532
GEICO CASUALTY CO. (*GEICO SECURE INS. CO.) $1,144 $1,146 $429 $425 $278 $278 $263 $263 $255 $255
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $2,811 $1,744 $1,657 $1,222 $757 $757 $681 $681 $611 $611
PROGRESSIVE DIRECT INS. CO. $3,856 $3,499 $1,390 $1,290 $1,009 $1,017 $870 $831 $921 $884
PROGRESSIVE NORTHERN INS. CO. $4,256 $3,825 $1,374 $1,187 $961 $963 $740 $738 $791 $752
SAFECO INSURANCE CO. OF AMERICA $1,890 $1,731 $833 $783 $414 $389 $418 $394 $430 $392
SHELTER MUTUAL INSURANCE CO. $1,900 $1,438 $1,130 $959 $549 $549 $453 $453 $419 $419
STANDARD FIRE INS. CO. $2,909 $2,353 $1,396 $1,193 $929 $885 $740 $697 $802 $719
STATE FARM FIRE & CASUALTY CO. $3,403 $2,647 $1,823 $1,479 $984 $984 $889 $889 $765 $765
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,178 $1,698 $1,153 $935 $617 $617 $559 $559 $483 $483
TRADERS INSURANCE COMPANY $4,185 $3,227 $3,064 $2,200 $1,049 $1,026 $1,026 $952 $1,109 $1,087
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,558 $2,384 $873 $788 $477 $472 $447 $440 $434 $435
USAA CASUALTY INS. CO. $2,941 $2,771 $932 $857 $500 $495 $448 $444 $441 $444
USAA GENERAL INDEMNITY CO. $3,072 $2,812 $1,062 $976 $605 $589 $537 $527 $520 $516
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. $2,806 $2,520 $1,121 $907 $602 $602 $574 $574 $595 $595
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,619 $2,514 $1,892 $1,821 $1,313 $1,270 $1,292 $1,250 $1,318 $1,275
AMERICAN MERCURY INS. CO. $2,935 $2,314 $1,729 $1,352 $753 $773 $584 $588 $726 $660
CSAA GENERAL INS. CO. $2,566 $2,247 $1,618 $1,412 $872 $738 $818 $655 $894 $675
EQUITY INSURANCE COMPANY $4,018 $3,012 $2,227 $1,962 $1,281 $1,248 $1,205 $1,280 $1,573 $1,485
FARMERS INSURANCE COMPANY $4,390 $4,071 $1,784 $1,600 $1,248 $1,226 $915 $864 $904 $832
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,882 $3,618 $1,301 $1,214 $644 $633 $584 $578 $581 $579
GEICO CASUALTY CO. (*GEICO SECURE INS. CO.) $1,279 $1,276 $495 $487 $320 $320 $301 $301 $291 $291
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $2,732 $1,694 $1,602 $1,171 $704 $704 $633 $633 $579 $579
PROGRESSIVE DIRECT INS. CO. $3,896 $3,517 $1,306 $1,211 $894 $910 $778 $753 $862 $847
PROGRESSIVE NORTHERN INS. CO. $4,066 $3,640 $1,206 $1,031 $808 $815 $622 $621 $703 $668
SAFECO INSURANCE CO. OF AMERICA $2,086 $1,909 $917 $927 $453 $425 $459 $432 $471 $429
SHELTER MUTUAL INSURANCE CO. $1,832 $1,387 $1,089 $924 $529 $529 $436 $436 $404 $404
STANDARD FIRE INS. CO. $2,887 $2,326 $1,369 $1,173 $909 $865 $723 $683 $789 $710
STATE FARM FIRE & CASUALTY CO. $3,570 $2,788 $1,888 $1,531 $1,000 $1,000 $908 $908 $788 $788
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,298 $1,798 $1,201 $974 $630 $630 $575 $575 $501 $501
TRADERS INSURANCE COMPANY $4,612 $3,582 $3,284 $2,371 $1,112 $1,095 $1,100 $1,027 $1,204 $1,186
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,834 $2,646 $939 $851 $507 $504 $475 $470 $469 $472
USAA CASUALTY INS. CO. $3,171 $2,993 $978 $903 $518 $515 $464 $462 $463 $468
USAA GENERAL INDEMNITY CO. $3,435 $3,155 $1,135 $1,049 $634 $620 $561 $556 $555 $555