Car Insurance in Oklahoma: When you’re driving in Oklahoma, having the right car insurance is not only a smart decision but also a legal requirement.
Whether you’re a new driver or just looking for better coverage, understanding how car insurance works in Oklahoma will help you make informed decisions, save money, and ensure you’re adequately protected.
Let’s dive into everything you need to know about getting car insurance in Oklahoma and how to obtain a free quote.
Why Car Insurance is Mandatory in Oklahoma
Oklahoma law mandates that all drivers must carry a minimum amount of car insurance to protect themselves and others on the road. Driving without insurance is illegal and can result in hefty fines, suspension of your driver’s license, and even vehicle impoundment. The state requires insurance to ensure that drivers can cover the costs of any damages or injuries they may cause in an accident.
Minimum Coverage Requirements in Oklahoma
Oklahoma requires all drivers to have liability insurance with specific coverage limits:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
This is often referred to as 25/50/25 coverage. It’s the minimum you must carry to legally drive, but many drivers opt for higher limits or additional coverage types for greater financial protection.
Types of Car Insurance Coverage Available in Oklahoma
When choosing car insurance, it’s important to understand the different types of coverage available:
- Liability Coverage: Covers the costs of injury or damage you cause to others in an accident.
- Comprehensive Coverage: Protects your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Collision Coverage: Pays for damages to your vehicle after a crash, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Covers you if you’re involved in an accident with a driver who doesn’t have enough or any insurance.
- Medical Payments Coverage: Helps pay for medical expenses for you and your passengers after an accident.
Optional Coverage to Consider
While Oklahoma law requires minimum liability coverage, other types of insurance may be worth considering:
- Roadside Assistance: Covers services like towing, tire changes, and battery jump-starts.
- Rental Car Reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired after an accident.
- Gap Insurance: Covers the difference between what you owe on a car loan and the actual cash value of your vehicle if it’s totaled in an accident.
Factors That Affect Car Insurance Rates in Oklahoma
Car insurance rates can vary significantly depending on several factors, including:
- Driving History: Accidents, traffic violations, and DUIs will increase your premium.
- Age and Gender: Young drivers and male drivers often face higher rates due to higher risk.
- Vehicle Type: The make, model, and year of your car affect your insurance costs.
- Location: Living in a city with high traffic or crime rates can lead to higher premiums.
- Credit Score: In Oklahoma, insurance companies can use your credit score to determine your premium.
How to Find Affordable Car Insurance in Oklahoma
Finding affordable car insurance isn’t as difficult as it may seem. Start by comparing quotes from multiple insurance providers. This allows you to see how different companies rate your risk and offer coverage. Look for discounts that you may qualify for, such as bundling car and home insurance or maintaining a good driving record.
The Process of Getting a Free Car Insurance Quote in Oklahoma
Getting a free car insurance quote is quick and easy. You can do it online, over the phone, or in person with an agent. Here’s what you’ll need:
- Your vehicle’s make, model, and year
- Personal information (e.g., age, address)
- Driving history
- Desired coverage levels
Many websites allow you to compare quotes from multiple companies at once, making it easier to find the best rate.
Understanding the Quote Breakdown
When you receive a car insurance quote, it will include several key components:
- Premium: The amount you’ll pay, either monthly or annually.
- Deductible: What you’ll need to pay out of pocket before the insurance kicks in.
- Coverage Limits: The maximum amount the insurance company will pay in the event of a claim.
Best Car Insurance Companies in Oklahoma
Several car insurance companies are highly rated in Oklahoma for their service, affordability, and customer satisfaction. Some of the top providers include:
- State Farm: Known for reliable coverage and a wide range of discounts.
- GEICO: Offers competitive rates and great online tools for managing policies.
- Progressive: Well-known for its customizable policies and multi-car discounts.
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 |
Common Discounts for Car Insurance in Oklahoma
You can reduce your car insurance costs by taking advantage of discounts. Here are some of the most common:
- Safe Driver Discount: For those with a clean driving record.
- Multi-Policy Discount: If you bundle auto with home or renter’s insurance.
- Good Student Discount: Available for students who maintain a high GPA.
- Safety Features Discount: For cars equipped with advanced safety features.
How to Lower Your Car Insurance Premium in Oklahoma
There are several strategies to lower your car insurance premium:
- Improve Your Driving Habits: Avoiding accidents and traffic violations will help reduce your rates over time.
- Adjust Your Coverage: Raising your deductible or lowering your coverage limits can reduce your premium, though it means you’ll pay more out of pocket in the event of a claim.
- Take Advantage of Discounts: Ask your insurance provider about any additional discounts you may be eligible for.
What to Do After an Accident in Oklahoma
If you’re involved in an accident, it’s important to follow these steps:
- Check for injuries and call 911 if necessary.
- Exchange information with the other driver.
- Document the scene by taking photos and gathering witness statements.
- Notify your insurance company to start the claims process.
Oklahoma-Specific Car Insurance Laws
Oklahoma follows an “at-fault” system, meaning the driver responsible for an accident is also financially responsible for damages. The state’s laws also require drivers to maintain proof of insurance, which must be presented if requested by law enforcement.
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.
