Car Insurance in Oklahoma
- Compare the cheapest car insurance quotes in OK with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
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. The average car insurance rate in Oklahoma is $1,592 per year — 4% more than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Oklahoma car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Oklahoma based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
The best car insurance companies in Oklahoma
Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Oklahoma.
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 897 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the Central region.
As a highly-rated regional carrier, Shelter Insurance scored an 856 on J.D. Power's 2021 auto study.
Farmers Insurance placed third in this region with a score of 848 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.2 stars out of 5 in The Zebra's Customer Satisfaction Survey.
The cheapest car insurance companies in Oklahoma
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from USAA at $1,246 annually, or $104 per month.
For the minimum required coverage in Oklahoma, USAA is the cheapest on average.
If you have a poor credit history, check out GEICO for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Oklahoma auto insurance laws
Car insurance is mandatory in almost every state, including Oklahoma. If you choose the legal minimum coverage level in Oklahoma, expect to pay an average of $482 annually. This is less expensive than the nationwide average by 11%.
State minimum coverage
In order to drive legally in the state of Oklahoma, you must carry at least the minimum liability limits listed below:
- 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):
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured Motorist Bodily Injury
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Oklahoma, a comprehensive insurance policy with a $1,000 deductible costs $1,384, 187% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 241% more than you would for basic coverage.
Compare car insurance rates from the best companies in Oklahoma.
Oklahoma car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Oklahoma.
Cheap auto insurance in Oklahoma for minimum coverage
Those looking for rock-bottom car insurance premiums are likely to consider just getting the minimum coverage required by the state of Oklahoma. While this will keep you legal on the road, it also leaves you at great risk. Put simply, minimum coverage isn't likely to go very far in protecting you and your assets in the event of an at-fault accident. Use the table below as a starting point and consider upping your coverage limits or adding new coverage types.
Cheap auto insurance in Oklahoma with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Oklahoma drivers with poor credit pay $1,833 more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Oklahoma with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase to as much as $2,285 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Oklahoma
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Oklahoma, teen drivers pay especially high rates: $5,333 per year — 235% more than a typical Oklahoma driver.
Oklahoma auto insurance rate by violation
In Oklahoma, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. Car insurance premiums typically increase by 67% after a DUI and up to 28% after a speeding ticket.
See below average auto insurance rates in Oklahoma after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,927||2%||$29|
|One comp claim||$1,939||2%||$40|
|Two Med/PIP claims||$1,946||2%||$47|
|Two comp claims||$2,004||6%||$105|
|Failure to show documents||$2,098||10%||$199|
|Driving without lights||$2,145||13%||$246|
|Failure to wear a seat belt||$2,160||14%||$261|
|Driving with expired registration||$2,164||14%||$265|
|Child safety restraint||$2,166||14%||$267|
|Cell phone violation||$2,212||17%||$314|
|Texting while driving||$2,212||17%||$314|
|Driving too slowly||$2,234||18%||$335|
|Speeding in school zone||$2,234||18%||$336|
|Failure to yield||$2,252||19%||$353|
|Failure to stop at a red light||$2,261||19%||$362|
|Following too closely||$2,283||20%||$384|
|Wrong way/wrong lane||$2,296||21%||$397|
|Passing school bus||$2,350||24%||$451|
|In 65 MPH zone||$2,365||25%||$467|
|Speeding 6 - 10 MPH over limit||$2,374||25%||$475|
|Speeding 11 - 15 MPH over limit||$2,375||25%||$476|
|Speeding 16 - 20 MPH over limit||$2,380||25%||$482|
|Speeding 21 - 25 MPH over limit||$2,427||28%||$528|
|At-fault accident - less than $1000||$2,447||29%||$548|
|Operating a vehicle without permission||$2,553||34%||$654|
|At-fault accident - greater than $2000||$2,597||37%||$698|
|At-fault accident - $1000-$2000||$2,597||37%||$698|
|Refusal to submit to a chemical test||$3,018||59%||$1,119|
|Driving with a suspended license||$3,019||59%||$1,121|
|Leaving scene of an accident/hit and run||$3,165||67%||$1,266|
Oklahoma DUI laws
In Oklahoma, a DUI offense can increase your annual car insurance premium to an average of $3,059. That’s 24% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Oklahoma
If you're convicted of a DUI or DWI violation in Oklahoma, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Oklahoma, State Farm offers annual rates 32% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Oklahoma is Progressive, while the priciest firm is GEICO, with prices 15% above average.
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Oklahoma SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company to ensure that you remain insured. Most states require an SR-22, but Oklahoma is one exception. The state of Oklahoma does not require you to file an SR-22 in order to apply for insurance.
If you move from a state that requires an SR-22 to a state that does not, you will typically still need to follow the requirements of the state that first required you to file an SR-22.
Find an affordable policy in Oklahoma in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Dewey, Oklahoma, and the most expensive in Forest Park, Oklahoma.
Have a look at the table below to see average car insurance costs in some of Oklahoma's biggest cities.
Car insurance price trends in Oklahoma
In Oklahoma average annual auto insurance costs increased by $46 in the past year. A typical Oklahoma driver pays an average of $1,592 per year.
The recent pricing trend in Oklahoma leans toward slightly pricier car insurance costs than the national average. The steepest decrease occurred from 2015 to 2016, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Oklahoma||Yearly Change — Oklahoma||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Oklahoma car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Oklahoma auto insurance.
Who has the cheapest car insurance in Oklahoma?
USAA provides the cheapest insurance in Oklahoma at $623 per six-month period. If you do not qualify for USAA, consider State Farm ($758), GEICO ($843) or Farmers ($895).
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 4% 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 $40 a month. Full coverage drivers pay $133.
Save money on your next car insurance policy!
Other people are also asking...
Do I need to keep a printed insurance card in my vehicle or can I show digital proof of insurance on my phone?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.