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 March 2023)

All rates are shown in dollar amounts.
Back to Choosing your Automobile Insurance Policy
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. $6,197 $5,685 $2,033 $1,652 $1,075 $1,074 $1,053 $995 $1,111 $1,050
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. $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)		 $5,361 $3,493 $2,060 $1,541 $928 $966 $785 $768 $774 $827
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,461 $3,339 $1,267 $1,222 $702 $686 $627 $623 $639 $641
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. $4,494 $2,796 $2,590 $1,907 $1,134 $1,134 $1,021 $1,021 $939 $939
PROGRESSIVE DIRECT INS. CO. $5,132 $4,665 $1,618 $1,503 $1,083 $1,097 $929 $886 $1,061 $989
PROGRESSIVE NORTHERN INS. CO. $5,749 $5,240 $1,666 $1,452 $1,163 $1,106 $852 $819 $916 $866
SAFECO INSURANCE CO. OF AMERICA $2,195 $2,241 $1,047 $984 $549 $512 $563 $524 $556 $497
SHELTER MUTUAL INSURANCE CO. $2,956 $2,237 $1,758 $1,492 $852 $852 $703 $703 $650 $650
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. $4,376 $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 $5,256 $4,105 $3,431 $2,656 $1,180 $1,167 $1,166 $1,125 $1,359 $1,324
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,731 $2,601 $1,036 $976 $578 $573 $531 $528 $541 $546
USAA CASUALTY INS. CO. $3,059 $2,958 $1,149 $1,108 $642 $628 $554 $553 $569 $573
USAA GENERAL INDEMNITY CO. $3,527 $3,397 $1,275 $1,228 $703 $686 $629 $626 $639 $641
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. $5,933 $5,445 $1,874 $1,527 $996 $998 $981 $929 $1,042 $987
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. $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)		 $5,535 $3,601 $2,134 $1,583 $961 $992 $809 $790 $797 $849
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,557 $3,435 $1,287 $1,243 $713 $697 $635 $632 $651 $655
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. $4,231 $2,637 $2,423 $1,789 $1,061 $1,061 $954 $954 $880 $880
PROGRESSIVE DIRECT INS. CO. $5,138 $4,674 $1,609 $1,494 $1,070 $1,083 $917 $877 $1,057 $985
PROGRESSIVE NORTHERN INS. CO. $5,818 $5,303 $1,664 $1,443 $1,145 $1,091 $840 $809 $914 $865
SAFECO INSURANCE CO. OF AMERICA $2,277 $2,316 $1,043 $980 $530 $495 $544 $506 $546 $488
SHELTER MUTUAL INSURANCE CO. $2,917 $2,207 $1,734 $1,472 $841 $841 $693 $693 $641 $641
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. $4,645 $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 $5,270 $4,111 $3,460 $2,675 $1,192 $1,178 $1,176 $1,131 $1,366 $1,330
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,805 $2,674 $1,054 $994 $588 $583 $539 $536 $551 $557
USAA CASUALTY INS. CO. $3,111 $3,012 $1,156 $1,118 $646 $633 $556 $557 $575 $579
USAA GENERAL INDEMNITY CO. $3,676 $3,543 $1,314 $1,267 $724 $708 $646 $644 $661 $664
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. $4,987 $4,556 $1,699 $1,383 $908 $905 $887 $839 $930 $880
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. $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)		 $4,770 $3,146 $1,926 $1,448 $915 $922 $785 $753 $745 $774
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,087 $2,973 $1,141 $1,098 $645 $630 $575 $572 $583 $585
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. $3,728 $2,325 $2,151 $1,605 $983 $983 $885 $885 $801 $801
PROGRESSIVE DIRECT INS. CO. $4,628 $4,215 $1,516 $1,406 $1,042 $1,048 $890 $848 $999 $931
PROGRESSIVE NORTHERN INS. CO. $4,922 $4,482 $1,479 $1,301 $1,062 $1,005 $779 $741 $816 $765
SAFECO INSURANCE CO. OF AMERICA $1,707 $1,737 $910 $855 $501 $469 $515 $480 $491 $443
SHELTER MUTUAL INSURANCE CO. $2,241 $1,696 $1,333 $1,131 $647 $647 $534 $534 $494 $494
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. $3,695 $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 $4,365 $3,376 $3,108 $2,335 $1,040 $1,021 $1,018 $966 $1,212 $1,118
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,500 $2,380 $952 $895 $538 $533 $493 $490 $500 $505
USAA CASUALTY INS. CO. $2,714 $2,622 $1,026 $988 $584 $572 $504 $503 $516 $519
USAA GENERAL INDEMNITY CO. $3,054 $2,937 $1,117 $1,073 $629 $614 $562 $559 $568 $570
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. $4,523 $4,133 $1,639 $1,337 $884 $876 $856 $809 $887 $839
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. $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)		 $4,762 $3,128 $1,895 $1,420 $886 $900 $756 $728 $725 $760
GARRISON PROPERTY & CASUALTY INSURANCE CO. $2,905 $2,783 $1,116 $1,065 $650 $631 $579 $573 $574 $573
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. $3,890 $2,424 $2,260 $1,691 $1,054 $1,054 $949 $949 $852 $852
PROGRESSIVE DIRECT INS. CO. $4,054 $3,691 $1,425 $1,314 $1,022 $1,021 $869 $822 $941 $874
PROGRESSIVE NORTHERN INS. CO. $4,334 $3,949 $1,398 $1,244 $1,061 $990 $773 $727 $778 $720
SAFECO INSURANCE CO. OF AMERICA $1,794 $1,822 $955 $897 $524 $490 $539 $503 $513 $462
SHELTER MUTUAL INSURANCE CO. $2,423 $1,834 $1,441 $1,223 $701 $701 $578 $578 $535 $535
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. $3,384 $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 $3,846 $2,948 $2,967 $2,167 $962 $940 $937 $875 $1,028 $1,001
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,329 $2,207 $925 $862 $536 $526 $491 $483 $484 $485
USAA CASUALTY INS. CO. $2,607 $2,508 $1,020 $976 $597 $581 $514 $511 $515 $515
USAA GENERAL INDEMNITY CO. $2,979 $2,841 $1,157 $1,098 $677 $655 $605 $596 $591 $587
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. $4,667 $4,226 $1,635 $1,326 $869 $864 $846 $802 $884 $837
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. $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)		 $4,771 $3,145 $1,937 $1,449 $924 $924 $791 $756 $748 $774
GARRISON PROPERTY & CASUALTY INSURANCE CO. $3,256 $3,131 $1,223 $1,173 $693 $675 $618 $613 $619 $620
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. $3,732 $2,324 $2,151 $1,597 $967 $967 $870 $870 $793 $793
PROGRESSIVE DIRECT INS. CO. $4,347 $3,965 $1,415 $1,311 $963 $970 $825 $788 $939 $873
PROGRESSIVE NORTHERN INS. CO. $4,130 $3,761 $1,236 $1,081 $882 $831 $643 $615 $681 $639
SAFECO INSURANCE CO. OF AMERICA $1,969 $2,004 $1,049 $984 $575 $537 $592 $551 $562 $504
SHELTER MUTUAL INSURANCE CO. $2,327 $1,761 $1,384 $1,174 $672 $672 $554 $554 $513 $513
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. $3,575 $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 $4,379 $3,380 $3,233 $2,389 $1,050 $1,033 $1,032 $973 $1,151 $1,125
UNITED SERVICES AUTOMOBILE ASSN. (*USAA) $2,590 $2,460 $1,003 $939 $571 $562 $523 $517 $523 $526
USAA CASUALTY INS. CO. $2,807 $2,708 $1,076 $1,034 $615 $600 $530 $528 $537 $539
USAA GENERAL INDEMNITY CO. $3,327 $3,188 $1,243 $1,189 $709 $689 $633 $627 $630 $629