Find Cheap Car Insurance in Oklahoma

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?

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

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	$298	16.46%
No Accidents	$693	31.40%
Good Credit	$3,116	67.30%

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.

Age	Annual Rate with Parents	Annual 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 Factor	Annual Rate	% Increase
At-Fault Accident	$2,207	31.40%
DUI	$2,169	30.20%
Speeding Violation	$1,812	16.46%
Bad Credit	$4,630	67.30%

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.

Car Insurance FAQs

Are digital insurance cards accepted in Oklahoma?

Yes. If you happen to find yourself pulled over by a police officer in Oklahoma you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Should I carry uninsured motorist coverage in Oklahoma?

11% of drivers are uninsured in Oklahoma — less than the national average of 13%. Still, it's not a bad idea to purchase uninsured motorist coverage in Oklahoma to avoid extra costs 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 Altus, Oklahoma, and the most expensive in Tulsa, Oklahoma.

Rank	City	Avg. Annual Premium
1	Tulsa	$2,237
2	Del City	$2,199
3	Bixby	$2,191
4	Sand Springs	$2,183
5	Bethany	$2,179
6	Broken Arrow	$2,173
7	Midwest City	$2,162
8	Oklahoma City	$2,156
9	Sapulpa	$2,123
10	Moore	$2,111
11	Owasso	$2,106
12	Edmond	$2,084
13	Norman	$2,054
14	Yukon	$2,035
15	Claremore	$2,028
16	Shawnee	$2,008
17	Bartlesville	$1,961
18	Stillwater	$1,950
19	Ponca City	$1,937
20	Muskogee	$1,924
21	Enid	$1,923
22	Ardmore	$1,917
23	Duncan	$1,904
24	Lawton	$1,903
25	Altus	$1,857