Auto Insurance with Bad Credit in Oklahoma

The Zebra
March 12, 2019

It can be tough to find cheap auto insurance with a bad credit score. Car insurance companies utilize credit score as a major rating factor, setting premiums based in part on drivers’ credit scores. Since auto insurance companies rely on data that show drivers with bad credit are more likely to file auto insurance claims, they account for for that additional risk by charging more.

How much you pay for car insurance with bad credit depends on where you live, which car insurance company you use, and an array of other rating factors. See below average car insurance rates for drivers with bad credit in major Oklahoma cities and rates from popular insurance companies, plus tips to save on car insurance if you have bad credit in Oklahoma.


Auto insurance for drivers with bad credit in Oklahoma:

  1. Average premiums
  2. Rates by city
  3. Rates by carrier

Car insurance rates with bad credit in Oklahoma

Oklahoma drivers pay a penalty of $2,985 annually for having a credit score in the “worst” tier. A driver in the "poor" or "below fair to poor" credit tiers will also face more costly-than-average auto insurance rates.


OKLAHOMA CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in Oklahoma
Worst$4,527
Poor$3,648
Below Fair to Poor$3,084
Average — All Credit Tiers$1,542

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Compare rates from top car insurance companies.


Car insurance rates with a bad credit score in Oklahoma cities

Car insurance prices can also fluctuate based on the geographic area in which you live. Insurers use your address to better understand how likely you are to file an insurance claim: the denser your area,, the more expensive your rates.

Listed below are major Oklahoma cities and their average auto insurance rates for drivers with bad credit.


BAD CREDIT CAR INSURANCE RATES IN OKLAHOMA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Oklahoma City$5,172$4,149$3,495
Tulsa$5,366$4,301$3,619
Norman$4,750$3,819$3,220
Broken Arrow$5,036$4,051$3,421
Lawton$4,354$3,498$2,951

Compare rates from top car insurance companies.


Best car insurance companies for bad credit in Oklahoma

Another factor contributing to car insurance rates is the insurance company you choose. Each auto insurance company prices policies differently, giving rating factors varying weights in their pricing calculations. Credit score can be a primary pricing differentiator between insurance companies. In Oklahoma, the cheapest major insurance company with bad credit is GEICO, which offers a price break of $253 per year in comparison to the next-cheapest company, Oklahoma Farm Bureau.

See rates from popular car insurance companies in Oklahoma for drivers with bad credit.


OKLAHOMA CAR INSURANCE RATES WITH BAD CREDIT — TOP CARRIERS

CompanyAverage Annual Rate — Worst Credit Tier
GEICO$1,405
Oklahoma Farm Bureau$1,658
Oklahoma Farmers Union$2,097
Shelter$2,635
Allstate$2,772

If you're dealing with the difficulty of getting auto insurance with bad credit, remember these tips:

  1. See auto insurance quotes
  2. Be smart with your claims
  3. Know what determines car insurance rates

Compare rates from top car insurance companies.