Compare the best rates from 31 car insurance companies 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.
Compare quotes from over 30 insurance companies that provide coverage throughout Oklahoma. Enter your ZIP code below to get started.
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||$298||16.46%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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 Factor||Annual Rate||% Increase|
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 Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Home State||Not Rated||Not Rated|
|Oklahoma Farm Bureau||Not Rated||Good|
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.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Oklahoma, drivers are required to maintain auto insurance coverage at or above the below levels:
There is a 10-year DUI lookback period in Oklahoma. Repeatedly violating DUI laws leads to stricter penalties and sentences.
In addition to the below penalties, DUI offenders in Oklahoma may be responsible for paying a:
If you get a ticket, your car insurance costs may go up. By how much depends on the specific citation, your car insurance company's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at typical auto insurance rates in Oklahoma after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,428||56%||$868|
|Refused Breathalyzer/Chemical Test||$2,124||36%||$564|
|Driving with a Suspended License||$2,302||48%||$743|
|Driving with an Open Container||$1,980||27%||$420|
|Operating a Vehicle Without Permission||$2,384||53%||$824|
|Passing a School Bus||$1,999||28%||$439|
|Following Too Closely||$1,933||24%||$373|
|Failure to Stop at a Red Light||$1,909||22%||$349|
|Driving Wrong Way/Wrong Lane||$1,887||21%||$327|
|Failure to Yield||$1,886||21%||$326|
|Speeding in a School Zone||$1,881||21%||$321|
|Driving Too Slowly||$1,879||20%||$319|
|Driving with Expired Registration||$1,680||8%||$120|
|Failure to Show Documents||$1,681||8%||$121|
|Failure to Use Child Safety Restraint||$1,624||4%||$64|
|Failure to Wear a Seat Belt||$1,650||6%||$90|
|Driving Without Lights||$1,605||3%||$45|
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).
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.
For a liability-only policy, drivers pay $57 a month. Full coverage drivers pay $130.
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.
|Rank||City||Avg. Annual Premium|