Car Insurance for Good Drivers in Oklahoma

The Zebra
July 15, 2019

Car insurance for good drivers in Oklahoma

Some of the factors contributing to car insurance rates are out of your control, including your age, location, and gender. There are, however, factors you can more easily alter in pursuit of lower rates.

If you're looking for affordable car insurance, try to keep your driving record cleaen, your credit score high, and your monthly driving mileage on the low end. Car insurance companies offer lower rates to drivers who present little risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.

See below rates from top companies for low-risk drivers in Oklahoma.

Car insurance for citation-free drivers in Oklahoma

One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Auto insurance companies see good drivers as less risky customers and in turn, charge them lower premiums. Staying on the right side of the law is a great way to cut your insurance costs.

If you’ve steered clear of violations in recent years, start your insurance search with USAA, offering an average annual premium of $1,315. That comes out to $-283less than the average car insurance rate for drivers without driving violations in Oklahoma.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN OKLAHOMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,315
Oklahoma Farmers Union$1,342
Progressive$1,410
State Farm$1,641
Farmers$1,804
Oklahoma Farm Bureau$1,839
GEICO$1,955
Shelter$1,982

Auto insurance rates for drivers with high credit scores in Oklahoma

Insurers reward clients who maintain a solid credit history. Insurers see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is “good,” your top option for car insurance in Oklahoma could be USAA, offering average rates of $1,315. If your credit score is even better (in the "excellent" range), Progressive could be a good company with which to start your search. Progressive's premiums for clients who have credit scores of 800 or better are $305 per year less than the typical car insurance rate for drivers with excellent credit in Oklahoma.

Find below a breakdown of auto insurance rates in Oklahoma for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN OKLAHOMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,315
Oklahoma Farmers Union$1,342
Progressive$1,410
State Farm$1,641
Farmers$1,804
Oklahoma Farm Bureau$1,839
GEICO$1,955
Shelter$1,982

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN OKLAHOMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,188
Progressive$1,217
Oklahoma Farmers Union$1,259
State Farm$1,487
Farmers$1,634
Oklahoma Farm Bureau$1,839
GEICO$1,888
Mercury$1,920

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN OKLAHOMA
Insurance CompanyAvg. Annual Auto Insurance Rate
Progressive$1,058
Oklahoma Farmers Union$1,092
USAA$1,110
State Farm$1,347
Farmers$1,476
Mercury$1,759
GEICO$1,804
Oklahoma Farm Bureau$1,839

Compare rates from top companies!

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Car insurance for low-mileage drivers in Oklahoma

The less you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies rely on when assigning lower rates to drivers who use their cars infrequently. If you stay under the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're an Oklahoma driver who drives only infrequently, consider USAA, offering average annual savings of $87 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN OKLAHOMA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,119
Oklahoma Farmers Union$1,342
Progressive$1,410
State Farm$1,501
Shelter$1,756
Farmers$1,804
Oklahoma Farm Bureau$1,839
GEICO$1,839

Start your search today — compare rates now!

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Rates for good drivers in Oklahoma — in major cities

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Auto insurers price policies by the driver’s home ZIP code, adjusting prices for the risk presented by specific locations.

Find below a summary of car insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Lawton$1,605$1,605$1,457$1,338$1,460
Norman$1,702$1,702$1,543$1,415$1,545
Broken Arrow$1,820$1,820$1,650$1,512$1,640
Oklahoma city$1,825$1,825$1,654$1,515$1,651
Tulsa$1,887$1,887$1,710$1,568$1,717

Find an affordable policy today!

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