Cheap Oklahoma Car Insurance

Compare the best rates from 13 car insurance companies in Oklahoma.

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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. We’ll get you prepped, then you take the wheel.


 

Cheap Car Insurance

What's the cheapest car insurance in Oklahoma?
RankCompany NameAvg. Annual Premium
1USAA$1,173
2Oklahoma Farmers Union$1,178
3The Hartford$1,346
4GEICO$1,367
5Safe Auto$1,391
6Farmers$1,408
7State Farm$1,552
8Liberty Mutual$1,834
9Travelers$1,887
10Mercury$2,013
11OK Farm Bureau$2,038
12Shelter$2,151
13Home State$2,171
14MetLife$2,191
15Progressive$2,201
16Allstate$2,424
17Safeco$5,107

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Cheap Insurance for Good Drivers in Oklahoma

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$29816.46%
No Accidents$69331.40%
Good Credit$3,11667.30%

Cheap Insurance for Young Drivers in Oklahoma

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.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,779$7,433
17$5,544$6,734
18$5,404$5,923
19$4,811$3,568

Cheap Car Insurance for Bad Drivers in Oklahoma

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 FactorAnnual Rate% Increase
At-Fault Accident$2,20731.40%
DUI$2,16930.20%
Speeding Violation$1,81216.46%
Bad Credit$4,63067.30%

What are the Best Car Insurance Companies in Oklahoma?

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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Farmers3Excellent
GEICO3Superior
Home StateNot RatedNot Rated
Liberty Mutual3Excellent
Mercury2Superior
MetLife3Superior
Oklahoma Farm BureauNot RatedGood
Progressive3Superior
Safeco3Excellent
ShelterNot RatedExcellent
State Farm3Superior
The Hartford4Excellent
Travelers3Superior
USAA5Superior

 

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What is the Best Auto Insurance Coverage in Oklahoma?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Oklahoma$693.34$1,384.39$1,566.35
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Oklahoma

In Oklahoma, the state minimum coverage requirement is liability with limits of:
  • 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):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury

Liability coverage is legally required in Oklahoma and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Oklahoma, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Oklahoma but higher coverage amounts are available with most companies.

Oklahoma Car Insurance FAQs

Is Oklahoma a no-fault car insurance state?

No. You are responsible for any and all damage you cause in Oklahoma as a result of a collision.

Do you need car insurance in Oklahoma?

Yes — car insurance is mandated by law in Oklahoma. 

Does Oklahoma car insurance follow the car or driver?

In Oklahoma, car insurance coverage follows the car, not the driver, in the event of an accident.

How much does car insurance cost in Oklahoma cities?

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 Yukon, Oklahoma.

RankCityAvg. Annual Premium
1Yukon$2,035
2Tulsa$1,805
3Del City$1,797
4Midwest City$1,781
5Oklahoma City$1,779
6Bethany$1,753
7Bixby$1,741
8Moore$1,708
9Broken Arrow$1,704
10Sapulpa$1,677
11Norman$1,637
12Edmond$1,629
13Shawnee$1,610
14Sand Springs$1,607
15Owasso$1,577
16Ponca City$1,572
17Claremore$1,542
18Muskogee$1,513
19Ardmore$1,507
20Stillwater$1,503
21Bartlesville$1,489
22Enid$1,482
23Altus$1,477
24Lawton$1,474
25Duncan$1,465

Recent Oklahoma Car Insurance Questions and Answers

MIL dropped husband and vehicle off her policy without notifying. He was pulled over and citation given. Is he covered under our alt policy?

Sorry to hear about the situation. Unfortunately, I think your husband's failure to maintain insurance citation will still be valid.

My car was impounded and everything in it was stolen, does my car insurance cover my car's contents?

It depends when the items were stolen and why the car was impounded. If the items were stolen while under the possession of a company or the city, I would feel they are responsible for the recovery.

Someone hit my car while it was parked. Should I file a claim?

It depends on what part of your coverage is used to compensate for the damage. See this guide on when you should file a car insurance claim.

Do I have to add my adult son to my insurance if he'll be driving my car while visiting?

Since your son lives in his own home at college, you will not have to add them to your policy if they drive your car less than ten times per year, with most companies. Some insurance companies offer a discount if you add a college student who lives away from home and has limited access to the insured car and seldom drives it. Every company is different so I would check with your company for their specific rules.


Driving Laws

Oklahoma Texting and Driving Laws

  1. Ban on hand-held cell phones for drivers with Learner or Intermediate Licenses
  2. Ban on text messaging for school bus drivers
  3. Ban on text messaging for drivers with Learner or Intermediate Licenses

Oklahoma DUI Laws

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:

  • $200 trauma care fee
  • $15 mental health fee
  • $25 license reinstatement fee
  • $75 processing fee
  • $175 limited driving privilege fee
  • $50 ignition interlock fee

How Do Citations Impact Auto Insurance Rates in Oklahoma?

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,42856%$868
Refused Breathalyzer/Chemical Test$2,12436%$564
DUI$2,12436%$564
Racing$2,28847%$728
Reckless Driving$2,25344%$694
Driving with a Suspended License$2,30248%$743
At-Fault Accident$2,32349%$763
Driving with an Open Container$1,98027%$420
Operating a Vehicle Without Permission$2,38453%$824
Passing a School Bus$1,99928%$439
Improper Passing$1,93224%$372
Following Too Closely$1,93324%$373
Speeding$1,88321%$323
Failure to Stop at a Red Light$1,90922%$349
Illegal Turn$1,93424%$374
Driving Wrong Way/Wrong Lane$1,88721%$327
Failure to Yield$1,88621%$326
Speeding in a School Zone$1,88121%$321
Driving Too Slowly$1,87920%$319
Distracted Driving$1,85119%$291
Driving with Expired Registration$1,6808%$120
Failure to Show Documents$1,6818%$121
Not-at-Fault Accident$1,73711%$177
Failure to Use Child Safety Restraint$1,6244%$64
Failure to Wear a Seat Belt$1,6506%$90
Driving Without Lights$1,6053%$45

Oklahoma Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Oklahoma, while also getting an insider view of the Sooner State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

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