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It can be tough to find cheap auto insurance with a bad credit score. Car insurance companies utilize credit score as a major rating factor, setting premiums based in part on drivers’ credit scores. Since auto insurance companies rely on data that show drivers with bad credit are more likely to file auto insurance claims, they account for for that additional risk by charging more.
How much you pay for car insurance with bad credit depends on where you live, which car insurance company you use, and an array of other rating factors. See below average car insurance rates for drivers with bad credit in major Oklahoma cities and rates from popular insurance companies, plus tips to save on car insurance if you have bad credit in Oklahoma.
Oklahoma drivers pay a penalty of $2,985 annually for having a credit score in the “worst” tier. A driver in the "poor" or "below fair to poor" credit tiers will also face more costly-than-average auto insurance rates.
| Credit Tier | Average Annual Rate in Oklahoma |
| Worst | $4,527 |
| Poor | $3,648 |
| Below Fair to Poor | $3,084 |
| Average — All Credit Tiers | $1,542 |
Car insurance prices can also fluctuate based on the geographic area in which you live. Insurers use your address to better understand how likely you are to file an insurance claim: the denser your area,, the more expensive your rates.
Listed below are major Oklahoma cities and their average auto insurance rates for drivers with bad credit.
| City | Average Annual Rate — Worst Credit | Average Annual Rate — Poor Credit | Average Annual Rate — Below Fair to Poor Credit |
| Oklahoma City | $5,172 | $4,149 | $3,495 |
| Tulsa | $5,366 | $4,301 | $3,619 |
| Norman | $4,750 | $3,819 | $3,220 |
| Broken Arrow | $5,036 | $4,051 | $3,421 |
| Lawton | $4,354 | $3,498 | $2,951 |
Another factor contributing to car insurance rates is the insurance company you choose. Each auto insurance company prices policies differently, giving rating factors varying weights in their pricing calculations. Credit score can be a primary pricing differentiator between insurance companies. In Oklahoma, the cheapest major insurance company with bad credit is GEICO, which offers a price break of $253 per year in comparison to the next-cheapest company, Oklahoma Farm Bureau.
See rates from popular car insurance companies in Oklahoma for drivers with bad credit.
| Company | Average Annual Rate — Worst Credit Tier |
| GEICO | $1,405 |
| Oklahoma Farm Bureau | $1,658 |
| Oklahoma Farmers Union | $2,097 |
| Shelter | $2,635 |
| Allstate | $2,772 |
If you're dealing with the difficulty of getting auto insurance with bad credit, remember these tips: