Cheap Oklahoma Car Insurance

Compare the best rates from 31 car insurance companies in Oklahoma.

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Here's what you need to know when driving in Oklahoma

Across the Sooner State, there are 235,004 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.


Affordable Insurance Premiums in Oklahoma

What's the cheapest car insurance in Oklahoma?
RankCompany NameAvg. Annual Premium
1The Hartford$1,346
4State Farm$1,502
5Oklahoma Farm Bureau$1,869
7Safe Auto$2,186

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Cheap Insurance for Good Drivers in Oklahoma

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Oklahoma drivers without a recent at-fault accident typically save 31% on their car insurance premiums — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$29816.46%
No Accidents$69331.40%
Good Credit$3,11667.30%

Cheap Insurance for Young Drivers in Oklahoma

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Oklahoma, the typical teen driver pays $5,649 per year — roughly $700 more than the national average for teens, and more than three times as much as the average Oklahoman driver.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car Insurance for Bad Drivers in Oklahoma

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 30% after a DUI, 31% after an at-fault accident, and 16% after a speeding ticket in Oklahoma. The post-citation penalties assessed by car insurance companies after speeding tickets and at-fault accidents in Oklahoma align with nationwide averages, but drivers receive lower-than-average rate hikes after DUI violations. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,20731.40%
Speeding Violation$1,81216.46%
Bad Credit$4,63067.30%

Best Car Insurance Companies in Oklahoma

Each auto insurance company emphasizes its cheap rates. But as with any product or service, the cheapest car insurance option isn't always the best choice. Considering what's at stake, it's worth doing the research to find the policy that protects your vehicle adequately after an incident. Be patient and look for a great value, rather than settling for the cheapest auto insurance you find.

Review popular insurance companies' financial strength and claims satisfaction levels to better understand the level of service you'll receive. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — determines an insurance company's financial stability and ability to fulfill its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Home StateNot RatedNot Rated
Liberty Mutual3Excellent
Oklahoma Farm BureauNot RatedGood
ShelterNot RatedExcellent
State Farm3Superior
The Hartford4Excellent


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What is the Best Auto Insurance Coverage in Oklahoma?

The required minimum insurance level in Oklahoma is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

If you carry the minimum required coverage in Oklahoma, prepare to pay an average of $693 annually. This is pricier than the nationwide average by 5%. If you elect more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by vehicular collisions, auto theft, or weather incidents. However, better insurance comes at a price: in Oklahoma, a comprehensive policy with a $1,000 deductible costs $1,384, 100% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 126% more than you might for basic liability-only coverage.

Compare average rates for basic, better, and best coverage levels in the table below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657.66$1,241.26$1,397.94

Oklahoma Auto Insurance Laws

State minimum insurance requirements in Oklahoma

In Oklahoma, drivers are required to maintain auto insurance coverage at or above the below levels:

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident
  • Property damage: $25,000 per accident
Optional coverage in Oklahoma (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury

Learn more about auto insurance laws in the state of Oklahoma

Driving Laws in Oklahoma

Oklahoma Texting and Driving Laws

  1. Ban on hand-held cell phones for drivers with Learner or Intermediate Licenses
  2. Ban on text messaging for school bus drivers
  3. Ban on text messaging for drivers with Learner or Intermediate Licenses

Oklahoma DUI Laws

There is a 10-year DUI lookback period in Oklahoma. Repeatedly violating DUI laws leads to stricter penalties and sentences.

In addition to the below penalties, DUI offenders in Oklahoma may be responsible for paying a:

  • $200 trauma care fee
  • $15 mental health fee
  • $25 license reinstatement fee
  • $75 processing fee
  • $175 limited driving privilege fee
  • $50 ignition interlock fee

Ticket Impact on Auto Insurance Rates in Oklahoma

If you get a ticket, your car insurance costs may go up. By how much depends on the specific citation, your car insurance company's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Oklahoma after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,42856%$868
Refused Breathalyzer/Chemical Test$2,12436%$564
Reckless Driving$2,25344%$694
Driving with a Suspended License$2,30248%$743
At-Fault Accident$2,32349%$763
Driving with an Open Container$1,98027%$420
Operating a Vehicle Without Permission$2,38453%$824
Passing a School Bus$1,99928%$439
Improper Passing$1,93224%$372
Following Too Closely$1,93324%$373
Failure to Stop at a Red Light$1,90922%$349
Illegal Turn$1,93424%$374
Driving Wrong Way/Wrong Lane$1,88721%$327
Failure to Yield$1,88621%$326
Speeding in a School Zone$1,88121%$321
Driving Too Slowly$1,87920%$319
Distracted Driving$1,85119%$291
Driving with Expired Registration$1,6808%$120
Failure to Show Documents$1,6818%$121
Not-at-Fault Accident$1,73711%$177
Failure to Use Child Safety Restraint$1,6244%$64
Failure to Wear a Seat Belt$1,6506%$90
Driving Without Lights$1,6053%$45

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Oklahoma Car Insurance FAQs

Who has the cheapest car insurance in Oklahoma?

The Hartford provides the cheapest insurance in Oklahoma at $723 per six-month period. If you do not qualify for The Hartford, consider USAA ($683), Progressive ($738) or State Farm ($751).

Why is Oklahoma car insurance so expensive?

Car insurance in Oklahoma is slightly more expensive than it is in the rest of the U.S., with drivers paying 12% more than average. This is mainly due to the number of uninsured drivers in Oklahoma. Currently, there are 600,000 uninsured drivers in the state — one of the highest rates in the nation.

How much is car insurance in Oklahoma per month?

For a liability-only policy, drivers pay $57 a month. Full coverage drivers pay $130.

How much does car insurance cost in Oklahoma cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Duncan, Oklahoma, and the most expensive in Tulsa, Oklahoma.

RankCityAvg. Annual Premium
2Del City$1,998
3Oklahoma City$1,991
4Midwest City$1,989
8Broken Arrow$1,883
13Ponca City$1,791
14Sand Springs$1,769

Recent Oklahoma Car Insurance Questions and Answers

Does my wife need to be on my motorcycle insurance policy?

You do not have to have to list your wife on your motorcycle policy. If she won't be driving the motorcycle, you can have her listed as an excluded driver. If you have any questions, don't hesitate to ask.

Can I be listed on my boyfriend's car insurance?

If you both reside at the same address you should have no problem getting added to the same plan as your boyfriend. While this could possibly raise the rate that he is currently paying, it will likely come out as cheaper on the whole.

Do I need additional insurance if I am working DoorDash as a side job?

When you're delivering food, you're effectively using your vehicle for a commercial purpose. Most policies do not cover you to do a side job, such as rideshare or food delivery, without a special endorsement.

MIL dropped husband and vehicle off her policy without notifying. He was pulled over and citation given. Is he covered under our alt policy?

Sorry to hear about the situation. Unfortunately, I think your husband's failure to maintain insurance citation will still be valid.

Oklahoma Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Oklahoma, while also getting an insider view of the Sooner State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.