Car Insurance in Oklahoma City
Premiums in Oklahoma City, which exceed Oklahoma's average by $211, are known for being expensive. Therefore it is vital to cut costs while insuring a vehicle in Oklahoma City. Let’s go over some ways to save on car insurance in Oklahoma City.
- City Average: $1,753
- State Average: $1,542
- National Average: $1,427
Oklahoma City Car Insurance by Accident or Violation History
Maintaining a spotless driving record is critical if you want to keep your insurance rates minimal. $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 also push your rates up, with average rates of $2,381. In Oklahoma City, individuals who are found at-fault in an accident end up spending $853 more than the city average on car insurance each year.
- DUI: $2,554
- Reckless Driving: $2,381
- At-fault Accident (damages less than $1000): $2,606
- At-fault Accident (damages greater than $2000): $2,606
- Speeding Ticket (16-20 mph over speed limit): $2,112
Oklahoma City Car Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are nearly 3.7x higher. In terms of percent change, moving from Very Poor (300-579) to Fair (580-669) has the biggest favorable impact on premiums, as it saves drivers nearly 34% per year.
- Very Poor: $5,511
- Fair: $3,638
- Good: $2,535
- Very Good: $1,877
- Exceptional: $1,486
Oklahoma City Car Insurance by Gender and Marital Status
In Oklahoma City, both marital status and gender can play a part in your car insurance premiums. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Married individuals save close to 6% per year on car insurance compared to those who are single or divorced. Luckily for men, their premiums tend to be 2% cheaper than for women.
- Female: $1,782
- Male: $1,753
- Single: $1,753
- Married: $1,642
- Divorced: $1,753
- Widowed: $1,711
Oklahoma City Car Insurance by Age
The largest decline in premiums between any age group is from the teenage age range to the 20s, as drivers in Oklahoma City start seeing a reduction in premiums of $4,740. The first time drivers can expect their age to trigger an increase in car insurance premiums is when they turn 60. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance rates among any age group, with rates of $1,526 per year. However, those in their 60s ($1,550) have premiums that aren't much higher. Teenage drivers have the highest rates of any age group. They pay around $7,132 per year on car insurance premiums.
- Teenagers: $7,132
- 20s: $2,392
- 30s: $1,716
- 40s: $1,651
- 50s: $1,526
- 60s: $1,550
- 70s: $1,836
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
Be Prepared For
Driving in OKC
Major HighwaysI-35 I-40 I-235
Toll RoadsKilpatrick Turnpike
Find Local Oklahoma City Agents
THN Insurance Solutions
2201 N Classen Oklahoma City, OK 73106
The Thunder Insurance Group LLC
1116 SW 29th St Oklahoma City, OK 73109
Cheapest Auto Insurance
2615 N MacArthur Blvd Oklahoma City, OK 73127
Nuevo Central Insurance Agency LLC
1012 SW 29TH ST OKLAHOMA CITY, OK 73109
Insurance Agents, Inc.
1537 Sw 59Th St Oklahoma City, OK 73119
1215 North Street Oklahoma City, OK 73108
Plico Financial Inc
226 Dean McGee Ave Ste 200 Oklahoma City, OK 73102
Russ Warren Ins Agcy
3431 NW 36th Oklahoma City, OK 73112
Above All Insurance, Inc
3632 NW 21st Oklahoma City, OK 73107
Rich & Cartmill, Inc.
1608 NW Expressway #100 Oklahoma City, OK 73118
Rick Wood Insurance Agency Inc.
1117 SW 44 Oklahoma City, OK 73109
Tedford & Associates LLC- OKC
50 Penn Pl Oklahoma City, OK 73118
Professional Insurors Agency, LLC
7301 Broadway Extension Oklahoma City, OK 73116
Haley's Insurance Agency
2440 N MACARTHUR Oklahoma City, OK 73127
Cheapest Auto Insurance
2615 N Macarthur Blvd Oklahoma City, OK 73127
Alexander & Strunk Inc
3000 Northwest 149th Street Oklahoma City, OK 73134
InLight Risk Management
1103 Sovereign Row Oklahoma City, OK 73108
BancFirst Insurance Services, Inc.
5400 N. Grand Blvd Oklahoma City, OK 73112
Jiang & Associates Insurance Agency
7029 NW 12th St Oklahoma City, OK 73127
CPC Insurance Agency
1140 NW 50th St Oklahoma City, OK 73118
La Raza Insurance Ltd. Co.
2660 SW 44th St Oklahoma City, OK 73119
Workers Compensation For Less LLC
4300 Highline Blvd Ste 332 Oklahoma City, OK 73108
La Raza Insurance Ltd Co
4504 NW 50th St Ste D Oklahoma City, OK 73112
Perimeter Insurance Agency, Inc.
4200 Perimeter Center Ste 245 Oklahoma City, OK 73112
Econo-Wise Insurance Agency
2705 SW 29 Oklahoma City, OK 73119
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Oklahoma City Car Insurance
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