Oklahoma City, OK Car Insurance

How much does car insurance cost in Oklahoma City?

The typical Oklahoma City driver pays $1,991 per year for car insurance. That's more than the statewide average in Oklahoma ($1,787) and pricier than the national average of $1,548. Our guide to Oklahoma City auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

OKLAHOMA CITY AUTO INSURANCE RATES

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• Insurance company
• Age
• Marital status/gender
• Driving record
• Credit score

Oklahoma City car insurance costs by provider

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Oklahoma City, State Farm offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Oklahoma City below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

OKLAHOMA CITY CAR INSURANCE RATES BY COMPANY

Check out our guide to learn how to find the best cheap car insurance.

Car insurance rates by age bracket in Oklahoma City

The age bracket that pays the least for auto insurance in Oklahoma City consists of drivers in their 60s, who pay an average of $1,723. Those in their 50s don't pay much more ($1,725).

Teenage drivers pay Oklahoma City's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Oklahoma City is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Oklahoma City is $4,508, the largest such difference between any two age groups.

OKLAHOMA CITY CAR INSURANCE RATES BY DRIVER AGE

Learn more about the impact of age on car insurance premiums.

Oklahoma City auto insurance premiums by gender and marital status

Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Oklahoma City pay $156 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Oklahoma City, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Oklahoma City, female drivers pay $21 per year more than do male drivers.

OKLAHOMA CITY CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER

Learn more about how gender and marital status have on car insurance rates.

Oklahoma City auto insurance rates by accident and citation history

Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Oklahoma City, a reckless driving citation results in an average insurance rate increase of $1,110 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $900 increase and a speeding ticket triggers a $466 rate hike.

OKLAHOMA CITY CAR INSURANCE RATES AFTER A COLLISION OR CITATION

Learn more about how citations can raise your auto insurance rates.

Oklahoma City car insurance premiums by credit tier

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Oklahoma City, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 53% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Oklahoma City, moving into the "Fair" credit tier corresponds to an average of $1,238 in savings on insurance each year.

OKLAHOMA CITY CAR INSURANCE RATES BY CREDIT LEVEL

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

What drives up car insurance rates in Oklahoma City?

Where you live in Oklahoma City affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Oklahoma City is no exception to the rule. From ZIP code 73064 to 73117, premiums rise by 13 percent—that’s $237.

Expensive Oklahoma City ZIP codes: 73119, 73108, 73103, 73102, 73117

Cheap Oklahoma City ZIP codes: 73064, 73065, 74801, 73036, 73099