Cheap Car Insurance in Oklahoma: Car insurance is essential for drivers in Oklahoma, offering protection against accidents, theft, and unexpected expenses.
However, finding affordable coverage that doesn’t compromise on quality can be challenging. That’s where we come in.
In this guide, we’ll explore how to find cheap car insurance in Oklahoma and how you can get a free quote quickly and easily.
Factors Affecting Car Insurance Rates in Oklahoma
Several factors play a role in determining car insurance rates in Oklahoma. Understanding these elements can help you find ways to lower your premiums:
- Age and Driving Experience: Younger drivers or those with less experience tend to pay higher rates because they’re seen as higher-risk. Conversely, mature drivers with a clean record often receive lower rates.
- Location: Where you live in Oklahoma can significantly affect your insurance premium. Drivers in cities like Oklahoma City or Tulsa may pay more due to higher accident rates and crime statistics, whereas rural drivers might see lower rates.
- Vehicle Type: The type of vehicle you drive also affects your premium. Insurers consider the make, model, year, and safety features of your car. Luxury and sports cars tend to cost more to insure than standard sedans or older vehicles.
- Driving Record: A clean driving history can substantially reduce your premium. Accidents, traffic violations, or DUIs can raise your rates significantly.
Legal Requirements for Car Insurance in Oklahoma
Before you hit the road, it’s important to understand the legal requirements for car insurance in Oklahoma. The state mandates that drivers carry minimum liability coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Driving without insurance in Oklahoma can lead to serious consequences, including fines, license suspension, and even impoundment of your vehicle. It’s essential to meet the state’s minimum insurance requirements.
What Is Considered Cheap Car Insurance in Oklahoma?
“Cheap” insurance isn’t just about the lowest price; it’s about balancing affordability with adequate coverage. Cheap car insurance in Oklahoma should provide the necessary protection while still being budget-friendly. The best way to find this balance is by comparing multiple quotes from different providers.
Types of Car Insurance Available in Oklahoma
When choosing car insurance, it’s important to understand the different types of coverage available in Oklahoma:
- Liability Insurance: Covers damage you cause to others in an accident. This is the minimum coverage required by law.
- Comprehensive Insurance: Covers non-accident-related damage, like theft or weather-related incidents.
- Collision Insurance: Covers repairs or replacement of your vehicle if it’s damaged in an accident.
- Personal Injury Protection (PIP): Covers medical expenses for you and your passengers after an accident, regardless of fault.
Tips for Finding Cheap Car Insurance in Oklahoma
Finding affordable car insurance doesn’t have to be difficult. Here are a few tips to help you lower your premiums:
- Shop Around: Don’t settle for the first quote you get. Compare rates from several companies to ensure you’re getting the best deal.
- Look for Discounts: Many insurers offer discounts for safe drivers, students, military personnel, and more.
- Bundle Policies: If you already have home or renters insurance, bundling it with your auto insurance can often save you money.
- Raise Your Deductible: Opting for a higher deductible can lower your premium, but be sure you can afford the out-of-pocket costs if you need to file a claim.
Top Companies Offering Cheap Car Insurance in Oklahoma
Some of the top providers for affordable car insurance in Oklahoma include:
- GEICO: Known for competitive rates and strong customer service.
- State Farm: Offers a variety of discounts and local agents throughout Oklahoma.
- Progressive: Offers great options for high-risk drivers and multiple coverage types.
- Local Insurers: Sometimes local or regional insurance companies offer competitive rates specific to Oklahoma drivers.
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 Get a Free Quote for Car Insurance in Oklahoma
Getting a free quote is one of the easiest steps in finding affordable car insurance. You’ll need to provide basic information, such as:
- Your name, address, and driver’s license number
- Information about your vehicle (make, model, year)
- Driving history and any past claims
You can obtain quotes from insurance company websites, comparison tools, or by contacting agents directly. It’s best to gather multiple quotes to compare coverage and pricing.
Discounts to Lower Your Car Insurance Premiums
There are several discounts that Oklahoma drivers can take advantage of to reduce their car insurance premiums:
- Safe Driver Discount: If you have a clean driving record, you could qualify for lower rates.
- Multi-Car Discount: Insuring more than one vehicle with the same provider can save you money.
- Good Student Discount: Students with good grades often receive discounts on their premiums.
- Anti-Theft Device Discount: Equipping your vehicle with anti-theft technology can lower your insurance costs.
Understanding How Location Affects Car Insurance Rates in Oklahoma
Where you live in Oklahoma has a major impact on your insurance rates. Urban areas like Tulsa or Oklahoma City have higher rates of accidents and vehicle thefts, leading to higher premiums. In contrast, rural areas may see fewer claims, resulting in lower rates.
How Your Driving Record Impacts Insurance Costs
A history of accidents, speeding tickets, or DUI violations will increase your premiums. However, improving your driving habits over time, attending defensive driving courses, or using telematics (usage-based insurance) can help reduce your rates.
Insurance for Young and New Drivers in Oklahoma
Young drivers, particularly teenagers, typically face higher insurance rates due to inexperience. However, there are ways to reduce the cost, such as:
- Enrolling in driver’s education courses
- Maintaining good grades for a student discount
- Adding the teen to a parent’s policy rather than purchasing a separate one
How to Reduce Your Car Insurance Premium in Oklahoma
To keep your car insurance premiums low, review your policy regularly to ensure you have the right coverage for your needs. As your car ages, you may consider dropping comprehensive or collision coverage if the vehicle’s value has depreciated. Also, consider paying your premiums annually instead of monthly to avoid additional fees.
The Benefits of Working with a Local Insurance Agent
A local agent can provide personalized service, help you understand specific risks in Oklahoma, and assist in finding discounts tailored to your needs. Developing a relationship with a local agent may lead to better rates over time.
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.
