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
|Oklahoma City Average (per year)||Oklahoma Average||United States Average|
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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
|Insurer||Average Rate (annual)|
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
|Age group||Average Annual Rate|
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
|Gender/Marital Status||Average Yearly Rate|
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
|Citation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,787|
|At-fault Accident (damages > $2,000)||$3,068|
|Speeding Ticket (16-20 mph over speed limit)||$2,457|
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
|Credit Level||Average Rate (annual)|
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
Oklahoma City Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Oklahoma City, you can expect 84 rainy days with an annual rainfall of 36.5 inches. Oklahoma City is also known to experience thunderstorms and tornadoes.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Oklahoma City
Find Local Oklahoma City Agents
Russ Warren Ins Agcy
3431 NW 36th, Oklahoma City, OK 73112
Tedford & Associates LLC- OKC
50 Penn Pl 1900 NW Expressway, Oklahoma City, OK 73118
THN Insurance Solutions
2201 N Classen, Oklahoma City, OK 73106
La Raza Insurance Ltd Co
4504 NW 50th St Ste D, Oklahoma City, OK 73112
Cheapest Auto Insurance
2615 N MacArthur Blvd, Oklahoma City, OK 73127
La Raza Insurance Ltd. Co.
2660 SW 44th St, Oklahoma City, OK 73119
Econo-Wise Insurance Agency
2705 SW 29, Oklahoma City, OK 73119
Alexander & Strunk Inc
3000 Northwest 149th Street, Oklahoma City, OK 73134
Haley's Insurance Agency
2440 N MACARTHUR, Oklahoma City, OK 73127
BancFirst Insurance Services, Inc.
5400 N. Grand Blvd Suite 400, Oklahoma City, OK 73112
Professional Insurors Agency, LLC
7301 Broadway Extension Suite 200, Oklahoma City, OK 73116
The Thunder Insurance Group LLC
1116 SW 29th St, Oklahoma City, OK 73109
Jiang & Associates Insurance Agency
7029 NW 12th St, Oklahoma City, OK 73127
Rick Wood Insurance Agency Inc.
1117 SW 44, Oklahoma City, OK 73109
Nuevo Central Insurance Agency LLC
1012 SW 29TH ST, OKLAHOMA CITY, OK 73109
1215 North Street, Oklahoma City, OK 73108
CPC Insurance Agency
1140 NW 50th St, Oklahoma City, OK 73118
Perimeter Insurance Agency, Inc.
4200 Perimeter Center Ste 245, Oklahoma City, OK 73112
InLight Risk Management
1103 Sovereign Row, Oklahoma City, OK 73108
Rich & Cartmill, Inc.
1608 NW Expressway #100, Oklahoma City, OK 73118
Insurance Agents, Inc.
1537 Sw 59Th St, Oklahoma City, OK 73119
Workers Compensation For Less LLC
4300 Highline Blvd Ste 332, Oklahoma City, OK 73108
Cheapest Auto Insurance
2615 N Macarthur Blvd, Oklahoma City, OK 73127
Plico Financial Inc
226 Dean McGee Ave Ste 200, Oklahoma City, OK 73102
Above All Insurance, Inc
3632 NW 21st, Oklahoma City, OK 73107
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