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.

(Updated May 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. $4,258 $3,894 $1,451 $1,177 $771 $768 $754 $713 $791 $748
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. $3,998 $3,174 $2,310 $1,808 $979 $1,015 $764 $772 $969 $876
CSAA GENERAL INS. CO. $3,538 $3,257 $1,676 $1,562 $1,080 $910 $1,017 $823 $1,099 $855
EQUITY INSURANCE COMPANY $5,335 $4,003 $2,956 $2,609 $1,703 $1,659 $1,601 $1,701 $2,089 $1,973
FARMERS INSURANCE COMPANY $5,326 $4,923 $2,098 $1,874 $1,260 $1,234 $941 $880 $970 $893
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.) $1,339 $1,359 $433 $437 $269 $269 $259 $259 $264 $264
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. $5,160 $4,657 $1,692 $1,519 $1,073 $1,097 $933 $901 $1,040 $1,024
PROGRESSIVE NORTHERN INS. CO. $5,747 $5,148 $1,706 $1,421 $1,099 $1,119 $851 $850 $978 $926
SAFECO INSURANCE CO. OF AMERICA $2,545 $2,323 $1,008 $948 $473 $443 $477 $449 $511 $463
SHELTER MUTUAL INSURANCE CO. $2,692 $2,037 $1,601 $1,358 $776 $776 $640 $640 $592 $592
STANDARD FIRE INS. CO. $3,422 $2,721 $1,545 $1,313 $1,016 $966 $803 $759 $891 $803
STATE FARM FIRE & CASUALTY CO. $4,023 $3,179 $2,052 $1,666 $1,023 $1,023 $944 $944 $838 $838
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,806 $2,219 $1,414 $1,147 $701 $701 $650 $650 $579 $579
TRADERS INSURANCE COMPANY $5,055 $3,944 $3,271 $2,495 $1,137 $1,127 $1,127 $1,084 $1,305 $1,275
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. $4,030 $3,685 $1,327 $1,079 $709 $709 $697 $661 $736 $698
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. $4,065 $3,235 $2,331 $1,824 $971 $1,011 $762 $768 $977 $881
CSAA GENERAL INS. CO. $3,717 $3,425 $1,773 $1,652 $1,144 $965 $1,078 $871 $1,162 $902
EQUITY INSURANCE COMPANY $5,331 $3,984 $2,927 $2,576 $1,675 $1,631 $1,576 $1,678 $2,070 $1,953
FARMERS INSURANCE COMPANY $5,434 $5,044 $2,171 $1,940 $1,300 $1,272 $968 $905 $996 $917
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.) $1,317 $1,335 $429 $436 $267 $267 $256 $256 $258 $258
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,829 $2,387 $2,191 $1,620 $961 $961 $864 $864 $797 $797
PROGRESSIVE DIRECT INS. CO. $5,092 $4,589 $1,656 $1,486 $1,041 $1,066 $906 $878 $1,018 $1,007
PROGRESSIVE NORTHERN INS. CO. $6,018 $5,384 $1,753 $1,453 $1,116 $1,137 $862 $863 $1,005 $952
SAFECO INSURANCE CO. OF AMERICA $2,598 $2,374 $1,016 $955 $467 $438 $470 $443 $510 $462
SHELTER MUTUAL INSURANCE CO. $2,664 $2,016 $1,584 $1,344 $768 $768 $633 $633 $586 $586
STANDARD FIRE INS. CO. $4,272 $3,373 $1,852 $1,566 $1,190 $1,130 $937 $882 $1,066 $966
STATE FARM FIRE & CASUALTY CO. $4,265 $3,377 $2,172 $1,762 $1,075 $1,075 $994 $994 $885 $885
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,972 $2,355 $1,496 $1,214 $737 $737 $685 $685 $611 $611
TRADERS INSURANCE COMPANY $5,224 $4,073 $3,398 $2,590 $1,181 $1,169 $1,167 $1,122 $1,352 $1,320
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. $3,439 $3,131 $1,218 $991 $655 $652 $639 $606 $667 $632
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. $3,272 $2,578 $1,925 $1,504 $837 $858 $648 $651 $806 $731
CSAA GENERAL INS. CO. $2,838 $2,623 $1,408 $1,317 $935 $802 $885 $725 $936 $737
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 $4,284 $3,957 $1,790 $1,606 $1,099 $1,080 $813 $765 $817 $753
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.) $1,096 $1,109 $369 $371 $240 $240 $229 $229 $228 $228
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,376 $2,105 $1,945 $1,453 $893 $893 $803 $803 $726 $726
PROGRESSIVE DIRECT INS. CO. $4,718 $4,272 $1,612 $1,449 $1,057 $1,073 $915 $881 $997 $971
PROGRESSIVE NORTHERN INS. CO. $5,190 $4,655 $1,615 $1,351 $1,063 $1,075 $823 $820 $916 $871
SAFECO INSURANCE CO. OF AMERICA $1,895 $1,734 $815 $675 $405 $380 $409 $385 $423 $385
SHELTER MUTUAL INSURANCE CO. $2,049 $1,551 $1,218 $1,034 $591 $591 $488 $488 $451 $451
STANDARD FIRE INS. CO. $3,096 $2,485 $1,442 $1,233 $952 $906 $755 $714 $832 $751
STATE FARM FIRE & CASUALTY CO. $3,396 $2,676 $1,749 $1,420 $884 $884 $812 $812 $717 $717
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,360 $1,862 $1,199 $973 $602 $602 $557 $557 $493 $493
TRADERS INSURANCE COMPANY $4,211 $3,253 $3,030 $2,236 $1,007 $990 $989 $934 $1,106 $1,082
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. $3,124 $2,845 $1,179 $961 $641 $633 $619 $586 $638 $604
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. $3,107 $2,431 $1,869 $1,462 $845 $855 $646 $650 $783 $716
CSAA GENERAL INS. CO. $3,250 $3,012 $1,668 $1,564 $1,126 $969 $1,063 $872 $1,110 $874
EQUITY INSURANCE COMPANY $3,474 $2,577 $1,889 $1,650 $1,067 $1,036 $1,005 $1,074 $1,332 $1,253
FARMERS INSURANCE COMPANY $4,876 $4,482 $2,287 $2,068 $1,469 $1,451 $1,065 $1,014 $1,020 $938
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.) $1,162 $1,165 $438 $433 $284 $284 $267 $267 $260 $260
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,526 $2,198 $2,046 $1,534 $958 $958 $863 $863 $772 $772
PROGRESSIVE DIRECT INS. CO. $4,314 $3,911 $1,566 $1,403 $1,072 $1,080 $921 $880 $975 $935
PROGRESSIVE NORTHERN INS. CO. $4,503 $4,049 $1,512 $1,272 $1,034 $1,033 $794 $793 $845 $800
SAFECO INSURANCE CO. OF AMERICA $1,890 $1,731 $833 $783 $414 $389 $418 $394 $430 $392
SHELTER MUTUAL INSURANCE CO. $2,210 $1,673 $1,314 $1,115 $639 $639 $527 $527 $488 $488
STANDARD FIRE INS. CO. $3,008 $2,415 $1,406 $1,201 $934 $888 $744 $700 $812 $728
STATE FARM FIRE & CASUALTY CO. $3,112 $2,411 $1,684 $1,367 $922 $922 $828 $828 $709 $709
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,118 $1,645 $1,129 $916 $612 $612 $553 $553 $476 $476
TRADERS INSURANCE COMPANY $3,861 $2,960 $2,985 $2,153 $963 $943 $941 $878 $1,027 $1,004
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. $3,246 $2,929 $1,179 $956 $631 $627 $614 $582 $638 $605
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. $3,057 $2,407 $1,801 $1,407 $783 $803 $607 $609 $755 $685
CSAA GENERAL INS. CO. $2,768 $2,564 $1,416 $1,328 $956 $822 $904 $743 $946 $746
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 $4,418 $4,093 $1,918 $1,722 $1,186 $1,166 $872 $822 $864 $797
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.) $1,301 $1,297 $495 $487 $326 $326 $307 $307 $291 $291
OKLAHOMA FARM BUREAU MUTUAL INS. CO. $3,376 $2,104 $1,945 $1,445 $877 $877 $788 $788 $718 $718
PROGRESSIVE DIRECT INS. CO. $4,339 $3,916 $1,464 $1,311 $945 $960 $821 $793 $907 $891
PROGRESSIVE NORTHERN INS. CO. $4,268 $3,824 $1,313 $1,093 $856 $866 $661 $659 $743 $705
SAFECO INSURANCE CO. OF AMERICA $2,086 $1,909 $917 $927 $453 $425 $459 $432 $471 $429
SHELTER MUTUAL INSURANCE CO. $2,125 $1,608 $1,264 $1,072 $614 $614 $506 $506 $468 $468
STANDARD FIRE INS. CO. $3,002 $2,403 $1,389 $1,187 $917 $872 $730 $689 $804 $725
STATE FARM FIRE & CASUALTY CO. $3,286 $2,564 $1,746 $1,417 $928 $928 $840 $840 $728 $728
STATE FARM MUTUAL AUTOMOBILE INS. CO. $2,253 $1,762 $1,180 $957 $622 $622 $566 $566 $493 $493
TRADERS INSURANCE COMPANY $4,286 $3,302 $3,201 $2,325 $1,030 $1,016 $1,015 $953 $1,123 $1,104
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