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.

**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 Sept. 2022)

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. $4,819 $4,396 $1,550 $1,257 $823 $819 $803 $760 $842 $796
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,704 $2,594 $1,943 $1,869 $1,337 $1,292 $1,314 $1,270 $1,363 $1,317
AMERICAN MERCURY INS. CO. $4,616 $3,790 $2,796 $2,181 $1,166 $1,127 $906 $876 $1,036 $1,017
CSAA GENERAL INS. CO. $3,538 $3,257 $1,676 $1,562 $1,080 $910 $1,017 $823 $1,099 $855
EQUITY INSURANCE COMPANY $5,620 $4,109 $3,101 $2,676 $1,719 $1,670 $1,615 $1,705 $2,103 $1,968
FARMERS INSURANCE COMPANY
(**Mid-Century Insurance Company)
$4,761 $3,506 $1,777 $1,432 $817 $886 $702 $709 $699 $763
GARRISON PROPERTY & CASUALTY INSURANCE CO. $4,098 $3,838 $1,337 $1,254 $652 $644 $592 $590 $600 $600
GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) $1,808 $1,816 $576 $572 $351 $351 $333 $333 $335 $335
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $4,063 $2,529 $2,339 $1,724 $1,027 $1,027 $925 $925 $850 $850
PROGRESSIVE DIRECT INS. CO. $5,847 $5,266 $1,941 $1,720 $1,195 $1,218 $1,037 $1,006 $1,168 $1,156
PROGRESSIVE NORTHERN INS. CO. $6,192 $5,537 $1,826 $1,514 $1,165 $1,184 $902 $898 $1,042 $990
SAFECO INSURANCE CO. OF AMERICA $2,195 $2,014 $1,021 $959 $531 $495 $545 $506 $538 $481
SHELTER MUTUAL INSURANCE CO. $2,692 $2,037 $1,601 $1,358 $776 $776 $640 $640 $592 $592
STANDARD FIRE INS. CO. $3,856 $3,067 $1,738 $1,478 $1,139 $1,085 $905 $853 $1,009 $910
STATE FARM FIRE & CASUALTY CO. $4,376 $3,463 $2,233 $1,811 $1,109 $1,109 $1,024 $1,024 $911 $911
STATE FARM MUTUAL AUTOMOBILE INS. CO. $3,248 $2,580 $1,634 $1,323 $797 $797 $742 $742 $665 $665
TRADERS INSURANCE COMPANY $5,484 $4,281 $3,540 $2,700 $1,227 $1,218 $1,217 $1,171 $1,411 $1,381
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. $4,565 $4,164 $1,418 $1,153 $757 $757 $744 $705 $784 $743
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,467 $2,367 $1,778 $1,711 $1,229 $1,188 $1,208 $1,169 $1,233 $1,192
AMERICAN MERCURY INS. CO. $4,471 $3,676 $2,693 $2,103 $1,115 $1,080 $871 $839 $1,000 $979
CSAA GENERAL INS. CO. $3,717 $3,425 $1,773 $1,652 $1,144 $965 $1,078 $871 $1,162 $902
EQUITY INSURANCE COMPANY $5,584 $4,069 $3,056 $2,640 $1,682 $1,631 $1,582 $1,670 $2,072 $1,935
FARMERS INSURANCE COMPANY
(**Mid-Century Insurance Company)
$4,819 $3,515 $1,809 $1,440 $830 $892 $712 $715 $707 $767
GARRISON PROPERTY & CASUALTY INSURANCE CO. $4,230 $3,964 $1,362 $1,280 $663 $656 $601 $600 $612 $614
GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) $1,779 $1,786 $570 $571 $348 $348 $330 $330 $332 $332
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,829 $2,387 $2,191 $1,620 $961 $961 $864 $864 $797 $797
PROGRESSIVE DIRECT INS. CO. $5,804 $5,218 $1,910 $1,691 $1,168 $1,189 $1,012 $983 $1,148 $1,140
PROGRESSIVE NORTHERN INS. CO. $6,495 $5,802 $1,884 $1,554 $1,188 $1,209 $917 $916 $1,075 $1,022
SAFECO INSURANCE CO. OF AMERICA $2,277 $2,092 $1,020 $959 $514 $480 $527 $491 $531 $474
SHELTER MUTUAL INSURANCE CO. $2,664 $2,016 $1,584 $1,344 $768 $768 $633 $633 $586 $586
STANDARD FIRE INS. CO. $4,830 $3,813 $2,092 $1,775 $1,343 $1,277 $1,058 $998 $1,211 $1,100
STATE FARM FIRE & CASUALTY CO. $4,645 $3,682 $2,367 $1,918 $1,167 $1,167 $1,079 $1,079 $963 $963
STATE FARM MUTUAL AUTOMOBILE INS. CO. $3,452 $2,746 $1,736 $1,405 $841 $841 $366 $784 $705 $705
TRADERS INSURANCE COMPANY $5,658 $4,415 $3,674 $2,798 $1,271 $1,260 $1,259 $1,210 $1,459 $1,427
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. $3,899 $3,541 $1,305 $1,061 $701 $697 $683 $648 $712 $675
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,090 $2,005 $1,507 $1,450 $1,043 $1,008 $1,026 $992 $1,046 $1,012
AMERICAN MERCURY INS. CO. $3,518 $2,849 $2,185 $1,695 $943 $899 $722 $702 $810 $805
CSAA GENERAL INS. CO. $2,838 $2,623 $1,408 $1,317 $935 $802 $885 $725 $936 $737
EQUITY INSURANCE COMPANY $4,747 $3,449 $2,595 $2,226 $1,424 $1,378 $1,339 $1,413 $1,757 $1,637
FARMERS INSURANCE COMPANY
(**Mid-Century Insurance Company)
$4,168 $3,060 $1,636 $1,311 $788 $824 $685 $675 $657 $696
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,667 $3,427 $1,210 $1,133 $598 $590 $542 $539 $546 $546
GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) $1,467 $1,466 $494 $489 $312 $312 $294 $294 $289 $289
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,376 $2,105 $1,945 $1,453 $893 $893 $803 $803 $726 $726
PROGRESSIVE DIRECT INS. CO. $5,314 $4,801 $1,832 $1,626 $1,165 $1,180 $1,009 $974 $1,110 $1,088
PROGRESSIVE NORTHERN INS. CO. $5,586 $5,002 $1,719 $1,433 $1,121 $1,132 $866 $862 $972 $926
SAFECO INSURANCE CO. OF AMERICA $1,707 $1,571 $887 $833 $484 $453 $498 $464 $476 $428
SHELTER MUTUAL INSURANCE CO. $2,049 $1,551 $1,218 $1,034 $591 $591 $488 $488 $451 $451
STANDARD FIRE INS. CO. $3,507 $2,813 $1,627 $1,392 $1,070 $1,019 $855 $806 $945 $855
STATE FARM FIRE & CASUALTY CO. $3,695 $2,916 $1,903 $1,543 $958 $958 $881 $881 $779 $779
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,728 $2,162 $1,382 $1,120 $683 $683 $633 $633 $565 $565
TRADERS INSURANCE COMPANY $4,562 $3,527 $3,272 $2,412 $1,081 $1,065 $1,064 $1,006 $1,193 $1,168
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. $3,547 $3,223 $1,265 $1,031 $687 $679 $663 $628 $683 $647
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,223 $2,139 $1,643 $1,587 $1,182 $1,148 $1,165 $1,131 $1,186 $1,151
AMERICAN MERCURY INS. CO. $3,356 $2,707 $2,125 $1,647 $939 $890 $710 $695 $787 $786
CSAA GENERAL INS. CO. $3,250 $3,012 $1,668 $1,564 $1,126 $969 $1,063 $872 $1,110 $874
EQUITY INSURANCE COMPANY $3,620 $2,608 $1,964 $1,671 $1,067 $1,027 $1,006 $1,058 $1,329 $1,230
FARMERS INSURANCE COMPANY
(**Mid-Century Insurance Company)
$4,067 $2,949 $1,579 $1,258 $750 $790 $649 $642 $628 $669
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,473 $3,223 $1,194 $1,110 $603 $591 $545 $539 $536 $532
GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) $1,539 $1,525 $563 $550 $361 $361 $337 $337 $325 $325
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,526 $2,198 $2,046 $1,534 $958 $958 $863 $863 $772 $772
PROGRESSIVE DIRECT INS. CO. $4,781 $4,326 $1,748 $1,549 $1,162 $1,168 $999 $958 $1,068 $1,031
PROGRESSIVE NORTHERN INS. CO. $4,767 $4,279 $1,579 $1,323 $1,070 $1,069 $820 $819 $880 $836
SAFECO INSURANCE CO. OF AMERICA $1,794 $1,651 $933 $876 $507 $474 $521 $486 $497 $447
SHELTER MUTUAL INSURANCE CO. $2,210 $1,673 $1,314 $1,115 $639 $639 $527 $527 $488 $488
STANDARD FIRE INS. CO. $3,388 $2,720 $1,580 $1,348 $1,048 $996 $833 $787 $917 $827
STATE FARM FIRE & CASUALTY CO. $3,384 $2,627 $1,829 $1,484 $996 $996 $895 $895 $768 $768
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,421 $1,893 $1,281 $1,037 $679 $679 $616 $616 $535 $535
TRADERS INSURANCE COMPANY $4,188 $3,215 $3,221 $2,323 $1,032 $1,013 $1,011 $946 $1,107 $1,086
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. $3,687 $3,319 $1,266 $1,026 $677 $672 $658 $624 $683 $648
AMERICAN FARMERS & RANCHERS MUTUAL INS. CO. $2,470 $2,371 $1,783 $1,716 $1,235 $1,195 $1,215 $1,175 $1,240 $1,199
AMERICAN MERCURY INS. CO. $3,624 $2,930 $2,251 $1,745 $969 $925 $743 $719 $833 $828
CSAA GENERAL INS. CO. $2,768 $2,564 $1,416 $1,328 $956 $822 $904 $743 $946 $746
EQUITY INSURANCE COMPANY $4,200 $3,068 $2,321 $1,999 $1,286 $1,248 $1,208 $1,273 $1,573 $1,470
FARMERS INSURANCE COMPANY
(**Mid-Century Insurance Company)
$4,168 $3,061 $1,644 $1,310 $795 $825 $689 $678 $659 $695
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,882 $3,618 $1,301 $1,214 $644 $633 $584 $578 $581 $579
GEICO SECURE INS. CO. (*GEICO CASUALTY CO.) $1,714 $1,694 $647 $629 $411 $411 $384 $384 $369 $369
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,376 $2,104 $1,945 $1,445 $877 $877 $788 $788 $718 $718
PROGRESSIVE DIRECT INS. CO. $4,965 $4,472 $1,690 $1,495 $1,058 $1,073 $919 $889 $1,025 $1,013
PROGRESSIVE NORTHERN INS. CO. $4,602 $4,113 $1,402 $1,162 $907 $914 $699 $697 $791 $753
SAFECO INSURANCE CO. OF AMERICA $1,969 $1,810 $1,023 $960 $556 $519 $572 $533 $544 $488
SHELTER MUTUAL INSURANCE CO. $2,125 $1,608 $1,264 $1,072 $614 $614 $506 $506 $468 $468
STANDARD FIRE INS. CO. $3,397 $2,721 $1,565 $1,338 $1,033 $985 $822 $777 $913 $827
STATE FARM FIRE & CASUALTY CO. $3,575 $2,793 $1,898 $1,539 $1,004 $1,004 $910 $910 $790 $790
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,589 $2,036 $1,348 $1,091 $695 $695 $636 $636 $558 $558
TRADERS INSURANCE COMPANY $4,648 $3,586 $3,461 $2,512 $1,107 $1,093 $1,093 $1,028 $1,212 $1,193
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