Compare the best rates from 13 car insurance companies 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.
| 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 |
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% |
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 |
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% |
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 Company | Claims Satisfaction (J.D. Power) | Financial Strength (A.M. Best) |
| Allstate | 3 | Superior |
| Farmers | 3 | Excellent |
| GEICO | 3 | Superior |
| Home State | Not Rated | Not Rated |
| Liberty Mutual | 3 | Excellent |
| Mercury | 2 | Superior |
| MetLife | 3 | Superior |
| Oklahoma Farm Bureau | Not Rated | Good |
| Progressive | 3 | Superior |
| Safeco | 3 | Excellent |
| Shelter | Not Rated | Excellent |
| State Farm | 3 | Superior |
| The Hartford | 4 | Excellent |
| Travelers | 3 | Superior |
| USAA | 5 | Superior |
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.
| Location | Liability-Only | Comprehensive — $1,000 Deductible | Comprehensive — $500 Deductible |
| Oklahoma | $693.34 | $1,384.39 | $1,566.35 |
| National Average | $657.66 | $1,241.26 | $1,397.94 |
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:
These numbers reflect the minimum limits required in Oklahoma but higher coverage amounts are available with most companies.
No. You are responsible for any and all damage you cause in Oklahoma as a result of a collision.
Yes — car insurance is mandated by law in Oklahoma.
In Oklahoma, car insurance coverage follows the car, not the driver, in the event of an accident.
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.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Yukon | $2,035 |
| 2 | Tulsa | $1,805 |
| 3 | Del City | $1,797 |
| 4 | Midwest City | $1,781 |
| 5 | Oklahoma City | $1,779 |
| 6 | Bethany | $1,753 |
| 7 | Bixby | $1,741 |
| 8 | Moore | $1,708 |
| 9 | Broken Arrow | $1,704 |
| 10 | Sapulpa | $1,677 |
| 11 | Norman | $1,637 |
| 12 | Edmond | $1,629 |
| 13 | Shawnee | $1,610 |
| 14 | Sand Springs | $1,607 |
| 15 | Owasso | $1,577 |
| 16 | Ponca City | $1,572 |
| 17 | Claremore | $1,542 |
| 18 | Muskogee | $1,513 |
| 19 | Ardmore | $1,507 |
| 20 | Stillwater | $1,503 |
| 21 | Bartlesville | $1,489 |
| 22 | Enid | $1,482 |
| 23 | Altus | $1,477 |
| 24 | Lawton | $1,474 |
| 25 | Duncan | $1,465 |
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:
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.
| Violation | Avg. Annual Auto Insurance Rate | % Insurance Rate Increase | $ Insurance Rate Increase |
| Hit and Run | $2,428 | 56% | $868 |
| Refused Breathalyzer/Chemical Test | $2,124 | 36% | $564 |
| DUI | $2,124 | 36% | $564 |
| Racing | $2,288 | 47% | $728 |
| Reckless Driving | $2,253 | 44% | $694 |
| Driving with a Suspended License | $2,302 | 48% | $743 |
| At-Fault Accident | $2,323 | 49% | $763 |
| Driving with an Open Container | $1,980 | 27% | $420 |
| Operating a Vehicle Without Permission | $2,384 | 53% | $824 |
| Passing a School Bus | $1,999 | 28% | $439 |
| Improper Passing | $1,932 | 24% | $372 |
| Following Too Closely | $1,933 | 24% | $373 |
| Speeding | $1,883 | 21% | $323 |
| Failure to Stop at a Red Light | $1,909 | 22% | $349 |
| Illegal Turn | $1,934 | 24% | $374 |
| Driving Wrong Way/Wrong Lane | $1,887 | 21% | $327 |
| Failure to Yield | $1,886 | 21% | $326 |
| Speeding in a School Zone | $1,881 | 21% | $321 |
| Driving Too Slowly | $1,879 | 20% | $319 |
| Distracted Driving | $1,851 | 19% | $291 |
| Driving with Expired Registration | $1,680 | 8% | $120 |
| Failure to Show Documents | $1,681 | 8% | $121 |
| Not-at-Fault Accident | $1,737 | 11% | $177 |
| Failure to Use Child Safety Restraint | $1,624 | 4% | $64 |
| Failure to Wear a Seat Belt | $1,650 | 6% | $90 |
| Driving Without Lights | $1,605 | 3% | $45 |
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.
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.
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.
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.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to scholarships@thezebra.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2019
Winner(s) will be selected and notified by email by January 31st, 2020
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.
