Best Car Insurance in Oklahoma: When it comes to protecting your vehicle, finding the best car insurance in Oklahoma is crucial.
Whether you’re driving through Tulsa, Oklahoma City, or any of the state’s rural areas, having the right insurance coverage can save you from financial stress in case of accidents or damages.
In this guide, we’ll walk you through everything you need to know about car insurance in Oklahoma, from understanding the types of coverage to getting a free quote.
Why Do You Need Car Insurance in Oklahoma?
Car insurance isn’t just a suggestion—it’s a requirement in Oklahoma. Beyond the legal obligation, insurance provides peace of mind. Oklahoma’s roads can be unpredictable due to weather, wildlife, and even uninsured drivers. Car insurance helps protect you financially by covering costs related to accidents, vehicle repairs, medical bills, and more.
Legal Requirements
Oklahoma law requires that all drivers carry a minimum amount of liability insurance. If you’re caught without it, you could face fines, suspension of your license, and even jail time.
Financial Protection
Accidents are expensive, even minor fender-benders. Without insurance, you could be stuck paying out-of-pocket for repairs, medical bills, and legal fees if you’re sued.
Road and Weather Conditions
Oklahoma is prone to harsh weather conditions like tornadoes, hailstorms, and floods. Comprehensive car insurance can help cover damages from natural disasters, which are unfortunately common in this region.
Types of Car Insurance Coverage Available in Oklahoma
Understanding the different types of car insurance is key to making the right choice. Let’s break down some of the main coverage options:
Liability Insurance
Covers damages to other people’s property and injuries in an accident where you’re at fault. This is the minimum required by law.
Collision Insurance
Covers the cost of repairs to your car if you hit another vehicle or object, regardless of fault.
Comprehensive Insurance
This covers damages to your car from non-collision events, such as theft, vandalism, hail, and flooding.
Uninsured/Underinsured Motorist Coverage
With many uninsured drivers on Oklahoma’s roads, this coverage is crucial. It helps cover costs if you’re hit by someone who doesn’t have enough (or any) insurance.
Personal Injury Protection (PIP)
Covers medical expenses and lost wages for you and your passengers, regardless of fault.
Medical Payments Coverage
Similar to PIP, this covers medical bills for you and your passengers after an accident.
State Minimum Requirements for Car Insurance in Oklahoma
In Oklahoma, you must carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
This is known as 25/50/25 liability insurance. While it meets legal requirements, it’s often not enough to cover the costs of a serious accident, so many drivers choose higher limits or additional coverage.
Factors That Affect Car Insurance Rates in Oklahoma
Several factors can influence how much you’ll pay for car insurance:
- Driving history: A clean record means lower rates, while accidents or tickets can raise your premiums.
- Age and gender: Younger drivers, especially males, tend to pay more for insurance.
- Vehicle type: Sports cars or luxury vehicles cost more to insure than standard sedans.
- Location: Living in urban areas like Tulsa or Oklahoma City often leads to higher premiums due to increased accident risks.
- Credit score: Insurers in Oklahoma can consider your credit score when determining your premium.
How to Get a Free Car Insurance Quote in Oklahoma
Getting a free car insurance quote is simple:
- Online Quotes: Visit insurance websites like State Farm or GEICO to get a quote based on your driving history, car details, and coverage needs.
- Compare Providers: Don’t settle for the first quote. Use comparison websites like The Zebra or NerdWallet to find the best deal.
- Work with Agents: Some companies, like Farmers Insurance, have local agents who can help you find tailored coverage.
- Comparison Websites: Use tools like Insurify to compare multiple quotes at once.
Top Car Insurance Companies in Oklahoma
Here are some of the top-rated car insurance providers in Oklahoma:
- State Farm: Known for great customer service and competitive rates.
- GEICO: Popular for its low premiums and easy online claims process.
- Progressive: Offers unique features like usage-based insurance and accident forgiveness.
- Farmers Insurance: Provides extensive coverage options, including rideshare coverage for drivers.
- Allstate: Offers numerous discounts and a user-friendly mobile app for policy management.
Cheap full coverage insurance in Oklahoma
The average cost of full coverage insurance in Oklahoma is $1,203 for a 6-month policy. It’s a popular option, with 53% of The Zebra’s customers in Oklahoma requesting quotes for full coverage insurance.
While full coverage is generally more expensive than liability insurance, Oklahomans seeking cheap options should begin their search with USAA, GEICO, and State Farm.
Full coverage quotes in OK
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $816 | $136 |
| GEICO | $932 | $155 |
| State Farm | $1,039 | $173 |
| Progressive | $1,144 | $191 |
| Shelter | $1,207 | $201 |
| Oklahoma Farm Bureau | $1,295 | $216 |
| Farmers | $1,469 | $245 |
| Allstate | $1,779 | $296 |
Cheap Liability Insurance in Oklahoma
The average liability insurance cost in Oklahoma is $301 for a 6-month policy. For our user profile, the most affordable liability insurance options in Oklahoma are offered by GEICO, USAA, and State Farm.
This rate is considerably lower than that of full coverage, as the level of coverage greatly impacts the overall cost. The table below provides monthly and 6-month liability insurance quotes from Oklahoma’s leading companies.
Cheapest auto insurance companies in Oklahoma for minimum coverage
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $176 | $29 |
| USAA | $194 | $32 |
| State Farm | $248 | $41 |
| Shelter | $321 | $54 |
| Progressive | $328 | $55 |
| Oklahoma Farm Bureau | $330 | $55 |
| Farmers | $427 | $71 |
| Allstate | $502 | $84 |
What are the best car insurance companies in Oklahoma?
Our choice for the best car insurance company in Oklahoma is State Farm. This is based on consumer reviews, third-party ratings (JD Power, Trustpilot, and AM Best), and details such as discount information and coverage options.
Below are the pros and cons of State Farm, plus more of the best-rated companies in Oklahoma. Remember that the cheapest options may not align with top-tier customer service, so it’s important to decide what your priority is as you shop for insurance.
Overall best car insurance company in Oklahoma — State Farm
State Farm is recognized for its quality service and local agencies, and it consistently ranks above average in customer satisfaction within Oklahoma. While some customers report occasional delays in claims processing, the insurer’s strong financial stability ensures they can reliably pay out claims and maintain their operations over the long term.
Pros
- Available nationwide
- Wide variety of products and services
- Local agents
- Lower-than-average rates
Cons
- Some reports of slow claim resolution time
Best car insurance in Oklahoma — honorable mentions
We compared JD Power Auto ratings and consumer reviews collected from nearly 3000 drivers across Oklahoma and the US to determine the best companies.
Best car insurance companies in OK
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $816 | $136 |
| GEICO | $932 | $155 |
| Progressive | $1,144 | $191 |
| Shelter | $1,207 | $201 |
Oklahoma auto insurance quotes after an accident or ticket
Finding affordable car insurance in Oklahoma after an accident can be difficult. Insurers evaluate your past accidents and tickets to gauge the liability risk you pose as a customer. An at-fault accident could increase your car insurance premiums to as much as $3,269 annually.
The table below shows potential rates from leading insurance companies in Oklahoma following an at-fault accident.
Best insurance companies in OK after an accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,181 | $197 |
| State Farm | $1,261 | $210 |
| Oklahoma Farm Bureau | $1,404 | $234 |
| GEICO | $1,459 | $243 |
| Shelter | $1,553 | $259 |
| Progressive | $1,708 | $285 |
| Farmers | $2,132 | $355 |
| Allstate | $2,343 | $391 |
Tip: Don’t forget about claims satisfaction
While you may never need to use your insurance, having a smooth claims experience is essential if you do. In our Customer Satisfaction Survey, we evaluated the experiences of those who filed claims, and USAA emerged as a leading option, especially for military members in Oklahoma. For those not eligible for USAA, Allstate and American Family also ranked highly for claims satisfaction and are worth considering.
In Oklahoma, a poor driving record can significantly increase your insurance rates. Receiving a ticket or citation is likely to cause your auto insurance premiums to skyrocket, with the extent of the increase depending on the type of violation, your insurer’s pricing policies, and the varying local insurance regulations and risks. As a result, the impact of tickets on insurance rates may differ from the national average. Generally, car insurance premiums can increase by as much as 67% after a DUI and up to 28% following a speeding ticket.
Below is a table showing Oklahoma’s average auto insurance rates after common citations.
Auto insurance rates by violation in Oklahoma
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| None | $2,405 | $0 |
| One comp claim | $2,447 | $42 |
| One Med/PIP claim | $2,451 | $46 |
| Two Med/PIP claims | $2,471 | $66 |
| Not-at-fault accident | $2,487 | $82 |
| Two comp claims | $2,490 | $85 |
| Failure to show documents | $2,651 | $246 |
| Failure to wear a seat belt | $2,734 | $329 |
| Driving without lights | $2,742 | $337 |
| Child safety restraint | $2,747 | $342 |
| Driving with expired registration | $2,790 | $385 |
| Cell phone violation | $2,833 | $428 |
| Texting while driving | $2,833 | $428 |
| Driving too slowly | $2,834 | $429 |
| Speeding in school zone | $2,834 | $429 |
| Failure to yield | $2,851 | $446 |
| Failure to stop at a red light | $2,863 | $458 |
| Following too closely | $2,882 | $477 |
| Illegal turn | $2,882 | $477 |
| Wrong way/wrong lane | $2,902 | $497 |
| Improper passing | $2,912 | $507 |
| In 65 MPH zone | $2,968 | $563 |
| Speeding 6 – 10 MPH over limit | $2,977 | $572 |
| Speeding 11 – 15 MPH over limit | $2,978 | $573 |
| Passing school bus | $2,984 | $579 |
| Speeding 16 – 20 MPH over limit | $2,985 | $580 |
| Open container | $3,030 | $625 |
| Speeding 21 – 25 MPH over limit | $3,055 | $650 |
| At-fault accident – less than $1000 | $3,070 | $665 |
| Operating a vehicle without permission | $3,243 | $838 |
| At-fault accident – $1000-$2000 | $3,269 | $864 |
| At-fault accident – greater than $2000 | $3,269 | $864 |
| Reckless driving | $3,534 | $1,129 |
| Refusal to submit to a chemical test | $3,618 | $1,213 |
| DUI | $3,673 | $1,268 |
| Racing | $3,778 | $1,373 |
| Leaving scene of an accident/hit and run | $3,978 | $1,573 |
| Driving with a suspended license | $3,979 | $1,574 |
Car insurance in popular Oklahoma cities
Car insurance companies calculate your rate based on many factors, one of which is the main location of the vehicle. The cheapest car insurance in the major cities is found in Edmond, Oklahoma, and the most expensive is in Tulsa.
The table below shows average car insurance costs in some of Oklahoma’s biggest cities.
Auto insurance quotes in Oklahoma’s biggest cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Edmond | $1,232 | $205 |
| Norman | $1,234 | $206 |
| Broken Arrow | $1,270 | $212 |
| Oklahoma City | $1,314 | $219 |
| Tulsa | $1,322 | $220 |
How have car insurance costs in Oklahoma changed?
The average annual auto insurance costs in Oklahoma increased by $446 in the past year. A typical Oklahoma driver pays an average of $2,406 per year.
The recent pricing trend in Oklahoma leans toward slightly higher car insurance costs than the national average. The steepest decrease occurred from 2015 to 2016, while the highest surge occurred this past year, from 2023 to 2024. Keep in mind that the general trend across the company is higher prices for car insurance, so if you feel like you’ve seen a spike in your rates in OK, you’re not alone.
For the best rates in OK, it’s smart to compare multiple companies to find the right coverage that also meets your needs.
Car insurance costs in Oklahoma since 2015
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $2,405 | $466 |
| 2023 | $1,939 | $40 |
| 2022 | $1,899 | $307 |
| 2021 | $1,592 | $46 |
| 2020 | $1,546 | -$182 |
| 2019 | $1,728 | $142 |
| 2018 | $1,586 | -$210 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
How to Choose the Best Car Insurance for You
Finding the best car insurance isn’t just about price. Consider these factors:
- Coverage Needs: Do you need only basic liability or full coverage with collision and comprehensive?
- Affordability vs. Coverage: Sometimes paying a little more upfront for better coverage can save you money in the long run.
- Customer Service: How responsive is the company during claims? Check reviews and ratings before deciding.
Discounts and Ways to Save on Car Insurance in Oklahoma
Here are some common discounts you might be eligible for:
- Safe Driver Discounts: Maintain a clean driving record, and you could see lower premiums.
- Bundling Policies: Combine your auto and home insurance with the same provider for a discount.
- Good Student Discounts: If you’re a student with good grades, you might qualify for a lower rate.
- Military and Veteran Discounts: Many insurers offer special discounts for active-duty military and veterans.
Understanding Deductibles and Limits in Car Insurance
- Deductibles: This is the amount you pay out of pocket before your insurance kicks in. A higher deductible means lower premiums, but more out-of-pocket expenses if you need to file a claim.
- Coverage Limits: Be sure to choose limits that adequately cover your needs. If your limit is too low, you might end up paying the difference after an accident.
How Oklahoma’s Weather Impacts Your Insurance Needs
Oklahoma is famous for its tornadoes, hailstorms, and heavy flooding, making comprehensive coverage a smart choice. It protects you from damages that aren’t related to a collision, such as weather-related damage.
How to File a Car Insurance Claim in Oklahoma
Filing a claim doesn’t have to be stressful:
- Report the accident to your insurance company.
- Gather information from the scene, including photos and witness statements.
- Submit a claim online or through your agent, and keep track of timelines and updates.
Common Mistakes to Avoid When Buying Car Insurance
- Choosing Price Over Coverage: Don’t sacrifice coverage just to save a few dollars.
- Not Comparing Quotes: Always compare multiple quotes to ensure you’re getting the best deal.
- Overlooking Discounts: Many drivers miss out on savings simply by not asking about discounts.
Customer Reviews and Ratings of Car Insurance Providers
Reading customer reviews is a great way to learn about an insurance company’s reputation. Check for consistent complaints, especially related to claims handling, and look for high ratings in customer satisfaction.
FAQs about Car Insurance in Oklahoma
Car insurance in Oklahoma can be confusing, especially when understanding the rules and coverage options. Here are some frequently asked questions (FAQs) to help clear up any doubts:
1. What are the minimum car insurance requirements in Oklahoma?
In Oklahoma, drivers must have liability insurance covering at least $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage.
2. How can I lower my car insurance premiums in Oklahoma?
You can lower premiums by maintaining a good driving record, bundling policies, opting for higher deductibles, and asking about discounts like safe driver or multi-car discounts.
3. Is uninsured motorist coverage required in Oklahoma?
While not mandatory, uninsured motorist coverage is highly recommended in Oklahoma as it helps cover expenses if you’re hit by a driver without insurance.
4. What factors affect car insurance rates in Oklahoma?
Factors include your age, driving history, location, type of vehicle, and credit score.
5. How do I file a car insurance claim in Oklahoma?
Contact your insurance company as soon as possible, provide details about the accident, and follow their instructions to process your claim quickly.
Conclusion
Comparing car insurance options is essential to ensure you’re getting the best coverage at the most competitive rate. By shopping around and reviewing multiple quotes, you can find a policy that fits your budget while offering the protection you need.
In Oklahoma, finding the best deal on car insurance comes down to understanding your specific coverage needs, comparing rates from different providers, and taking advantage of available discounts. With careful research and comparison, you can secure a policy that offers both value and peace of mind on the road.
References
To ensure the accuracy of the information provided in this article about car insurance in Oklahoma, we’ve cited reputable sources for further reading. These references offer additional insights and can help validate the details shared. Below are key sources to explore:
- Insurance Information Institute (III) – Explore in-depth articles on car insurance basics and trends nationwide: Insurance Information Institute.
- National Association of Insurance Commissioners (NAIC) – Learn about car insurance laws, policies, and consumer protection guidelines: NAIC.
- Oklahoma Insurance Department – Visit the official site for comprehensive information on car insurance regulations in Oklahoma: Oklahoma Insurance Department.
These sources provide valuable context and further knowledge on Oklahoma car insurance topics.
