How Much Does Car Insurance Cost in Oklahoma City?
On average, Oklahoma City premiums exceed Oklahoma's average by $211, so cutting costs while insuring a vehicle in Oklahoma City is vital. Keep some money in your pocket by following our tips and saving on car insurance in Oklahoma City.
INSURANCE RATES: OKLAHOMA CITY VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Oklahoma City Auto Insurance by Age
The biggest dip in premiums for Oklahoma City drivers happens when they reach their 20s. Once out of the teenage age bracket, people save an average of 66%. Turning 60 causes a rise in rates, but up until that point drivers can expect premium reductions when they progress from one age group to the next. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest insurance rates among any age group, with rates of $1,526/year. Those in their 60s ($1,550) aren’t paying much more. Car insurance premiums are highest for teenage drivers, with typical rates of $7,132 per year.
OKLAHOMA CITY CAR INSURANCE PREMIUMS BY DRIVER AGE
Oklahoma City Car Insurance by Marital Status and Gender
Pricing for car insurance premiums in Oklahoma City is dictated by many rating factors, including gender and marital status. Being married, as opposed to single, can save you around 6% per year on car insurance. Rates for those who are widowed are moderately cheaper than rates for those who are single. $29 is the amount by which men's and women's car insurance premiums vary.
OKLAHOMA CITY AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Oklahoma City Auto Insurance by Credit Rating
Average car insurance premiums in Oklahoma City for those with Very Poor credit (300-579) are 3.7x higher than for those with Exceptional credit (800-850). The greatest benefit of better credit occurs when boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $1,873 per year.
OKLAHOMA CITY CAR INSURANCE RATES BY CREDIT TIER
Oklahoma City Car Insurance After an Accident or Moving Violation
Accidents and violations on your record can cost you in terms of car insurance rates. If you are found at-fault in an accident in Oklahoma City, you can expect your yearly car insurance payments to rise by 49%. $801 is the extra cost per year for drivers with a DUI in Oklahoma City, compared to the city average of $1,753. Reckless driving will push your rates up as well, with average rates of $2,381.
AVERAGE OKLAHOMA CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,606|
|At-fault Accident (damages greater than $2,000)||$2,606|
|Speeding Ticket (16-20 mph over speed limit)||$2,112|
What drives up car insurance rates in Oklahoma City?
Where you live in Oklahoma City affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Oklahoma City is no exception to the rule. From zip code 73064 to 73117, premiums rise by 13 percent—that’s $237.
Expensive Oklahoma City Zip Codes: 73119, 73108, 73103, 73102, 73117
Cheap Oklahoma City Zip Codes: 73064, 73065, 74801, 73036, 73099
Oklahoma City Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Oklahoma City, you can expect 84 rainy days with an annual rainfall of 36.5 inches. Oklahoma City is also known to experience thunderstorms and tornadoes. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Oklahoma City Agents
The Thunder Insurance Group LLC
1116 SW 29th St Oklahoma City, OK 73109
La Raza Insurance Ltd. Co.
2660 SW 44th St Oklahoma City, OK 73119
Russ Warren Ins Agcy
3431 NW 36th Oklahoma City, OK 73112
Haley's Insurance Agency
2440 N MACARTHUR Oklahoma City, OK 73127
THN Insurance Solutions
2201 N Classen Oklahoma City, OK 73106
La Raza Insurance Ltd Co
4504 NW 50th St Ste D Oklahoma City, OK 73112
Nuevo Central Insurance Agency LLC
1012 SW 29TH ST OKLAHOMA CITY, OK 73109
Econo-Wise Insurance Agency
2705 SW 29 Oklahoma City, OK 73119
Perimeter Insurance Agency, Inc.
4200 Perimeter Center Ste 245 Oklahoma City, OK 73112
Cheapest Auto Insurance
2615 N Macarthur Blvd Oklahoma City, OK 73127
Jiang & Associates Insurance Agency
7029 NW 12th St Oklahoma City, OK 73127
Rick Wood Insurance Agency Inc.
1117 SW 44 Oklahoma City, OK 73109
Workers Compensation For Less LLC
4300 Highline Blvd Ste 332 Oklahoma City, OK 73108
Insurance Agents, Inc.
1537 Sw 59Th St Oklahoma City, OK 73119
CPC Insurance Agency
1140 NW 50th St Oklahoma City, OK 73118
Professional Insurors Agency, LLC
7301 Broadway Extension Oklahoma City, OK 73116
Plico Financial Inc
226 Dean McGee Ave Ste 200 Oklahoma City, OK 73102
1215 North Street Oklahoma City, OK 73108
InLight Risk Management
1103 Sovereign Row Oklahoma City, OK 73108
BancFirst Insurance Services, Inc.
5400 N. Grand Blvd Oklahoma City, OK 73112
Cheapest Auto Insurance
2615 N MacArthur Blvd Oklahoma City, OK 73127
Tedford & Associates LLC- OKC
50 Penn Pl Oklahoma City, OK 73118
Above All Insurance, Inc
3632 NW 21st Oklahoma City, OK 73107
Alexander & Strunk Inc
3000 Northwest 149th Street Oklahoma City, OK 73134
Rich & Cartmill, Inc.
1608 NW Expressway #100 Oklahoma City, OK 73118
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