Cheapest Full Coverage Car Insurance In Oklahoma - Finding cheap full-coverage auto insurance can be difficult, but not impossible, especially if you've been in an accident. We found GEICO to be the best cheap full-coverage car insurance for most drivers with a clean record, while State Farm was best for drivers with recent accidents.
Full-coverage car insurance refers to a car insurance policy that includes comprehensive and collision coverage in addition to the liability coverage required in nearly every state. A full coverage policy means that damage to your vehicle is covered by the insurance, whether it is caused by an accident, storm, an animal or it is stolen.
Cheapest Full Coverage Car Insurance In Oklahoma
We found the cheapest full-coverage car insurance in 2022 by analyzing rates provided by Quadrant Information Services. Rates were for each ZIP code in all 50 states and the District of Columbia
How To Get Cheap Car Insurance Quotes
Our data experts analyzed the combined rates for a full coverage policy for 2017 Toyota Camry drivers ages 30, 35 and 45. The rates we analyzed were for a policy with the following limits:
In some cases, additional coverage is added as required by the state or insurer. Some carriers may be represented by affiliates or subsidiaries. The rates given are a sample of insurance costs. Your actual quote may vary.
How we score ratings: Ratings are determined by our editorial team. Our approach considers multiple factors including price, financial rating, quality of customer service and other product-specific attributes.
GEICO has some of the cheapest full coverage insurance in the country. It sells policies in every state and DC, which is not true of all other companies at cheaper rates. GEICO also receives fewer complaints than some competitors.
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GEICO is the best company for cheap full-coverage auto insurance. On average, we found that GEICO costs $99 per month or $1,184 per year That's $468 less per year than the average for full coverage. It's also one of our picks for the cheapest companies with full coverage available in every state (and DC).
GEICO's customer service makes it a great choice for the best full-coverage insurance company. According to the National Association of Insurance Commissioners, GEICO receives fewer customer complaints than average. 
Although it already has cheaper average rates, GEICO also offers discounts that can make your full-coverage insurance even cheaper. Drivers can get lower rates with GEICO's discounts:
GEICO offers only a few coverage add-ons (or endorsements), including roadside assistance, rental reimbursement, and mechanical breakdown coverage. However, GEICO does not offer gap insurance or new car replacement coverage.
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MAPFRE has the lowest rates for full coverage of any company we considered, though it's not available everywhere. But if you live in one of the 19 states where MAPFRE is available, you may be able to get very cheap coverage.
We found that MAPFRE has some of the lowest cost full coverage auto insurance around, but it's not as widely available as other companies. On average, full coverage insurance from MAPFRE is $87 per month, or $1,040 per year. That's $612 less per year than the average.
While MAPFRE has the cheapest full coverage auto insurance of any company on our list, it's not available in every state. MAPFRE's auto insurance is offered only on:
MAPFRE offers several common endorsements, including towing and labor coverage and rental car reimbursement. In some states, drivers can also get coverage for personal belongings and new car replacements.
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State Farm has the cheapest full coverage for drivers with accidents on their record. Because State Farm is available almost everywhere, it's a great choice for drivers across the country who may have difficulty finding cheaper coverage elsewhere.
It is difficult to find cheap rates for drivers who have been involved in at-fault accidents. But State Farm remains a cheaper company for full-coverage insurance, even for drivers who have been in recent accidents. On average, full coverage after an accident costs State Farm $120 per month, which is $1,108 less than the average.
In addition to cheap rates for full coverage insurance after an accident, State Farm also has great customer service. According to JD Power's 2021 Auto Claims Satisfaction Study, State Farm has one of the highest-rated claims processes of any major insurance company. 
State Farm offers fewer coverage add-ons than some competitors. Drivers can add rental car reimbursement and roadside assistance, but gap insurance is not available with State Farm.
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Military drivers looking for the best protection can get inexpensive full coverage from USAA. USAA has some of the cheapest rates around with a history of high claim satisfaction among its customers.
On average, USAA has the cheapest full-coverage car insurance for military and veteran drivers. We found that for drivers with clean records, full coverage insurance from USAA costs $87 per month, an average of $613 per year.
USAA remains the cheapest company for full coverage insurance after an accident. On average, USAA rates for high-risk drivers are just $128 per month. That's $1,020 less per year than the average.
If you qualify for insurance from USAA, you can get lower rates for full coverage by qualifying for USAA's range of discounts, including discounts for:
Get The Cheapest Full Coverage Car Insurance
There are a few ways to personalize full coverage insurance from USAA. Drivers can add roadside assistance and rental reimbursement, but not gap insurance or other types of coverage.
Although full coverage car insurance is more expensive than minimum coverage or with only liability insurance, there are still many companies that offer cheap full coverage insurance. Here are 11 cheap companies for full-coverage car insurance:
We found that the monthly cost of full-coverage car insurance can vary from company to company, from $87 to several hundred dollars per month, so be sure to get multiple quotes before deciding on the best company for you.
Because rates vary widely by company (and location), it's worth comparing rates in your state before you finalize your full-coverage policy. Here are the cheapest options for full-coverage car insurance by state:
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Total coverage costs more than just having liability coverage. This is because you are adding comprehensive and collision, which covers your car. When companies cover more risk, they raise rates.
Switching from a liability-only policy to full coverage can mean a difference of several hundred dollars a year, but it can be worth it if your car is totaled. According to data from the National Association of Insurance Commissioners, the comprehensive and collision portions of a full-coverage policy cost $518 per year.
Your rates also depend on how much liability coverage you have. Having a liability-only policy with the minimum amount of liability coverage required in your state is always going to be the cheapest option, but it can leave you seriously underprepared for an accident.
Here's how much a policy with only required liability coverage costs compared to two different amounts of full liability coverage:
Cheap Liability Only Car Insurance
There are no states that require drivers to get full coverage car insurance. Unlike other types of insurance, comprehensive and collision are never listed in any state's insurance requirements. But you need full coverage car insurance if:
If you don't have full coverage, you'll have a totaled car that you'll have to pay for yourself to replace. But full coverage may not be worth it if you have an older car that will cost more to insure than it's worth. Remember, if you have multiple vehicles, you may always get full coverage on one and not the other.
Full coverage is the best protection you can get, but there are some things that even the best full-coverage policy won't cover.
Since comprehensive coverage is not one type of car insurance policy, "comprehensive coverage" means car insurance that includes several types of coverage.
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In addition to comprehensive and collision, many drivers choose to add other optional coverages, such as gap insurance, which pays off the remaining lease or loan if your car is totaled, or roadside assistance, which covers costs if you're stranded on the side of the road and a Requires tow or a jumpstart.
The best way to make sure you find your cheapest full coverage rates is to shop around and get quotes from multiple companies. When you shop, look for:
Once you find a company that offers cheap full-coverage insurance, there are several things you can do to get lower rates, such as:
No, there are things that full coverage insurance cannot cover. Your full coverage insurance won't cover damage caused by something your policy prohibits, such as street racing, or any damage caused by normal wear and tear.
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Full coverage car insurance is more expensive than getting a liability-only policy, but your rates will also depend on how much liability coverage you get. The most expensive car insurance will mean getting the most coverage at all maximum limits.
Yes, banks and loan companies require drivers who finance a vehicle to have full coverage (often including gap coverage) to protect their investment. Dealerships have the same requirements for leased vehicles If you drop full coverage, your lender or lessor can add it to the cost of your loan (called forced coverage) and it can be more expensive than buying it yourself.
Almost every state requires drivers to have liability coverage by law, but there is no legal requirement to buy comprehensive
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