How Much Does Car Insurance Cost in Oklahoma City?


Oklahoma has premiums that are fairly equivalent to the national average, falling within $37 of one another. The state imposes certain minimum amounts of liability coverage on all drivers. Property damage liability and bodily injury liability can keep you protected if you are found at fault in an accident. Other coverages such as uninsured motorist coverage and collision coverage can also go even deeper in protecting you and your vehicle.


Even though car insurance rates in Oklahoma City are on par with the national average, there are definitely ways that you can save money. We've analyzed how auto insurance rates in Oklahoma City compare to premiums nationwide and provide some tips on how you can find cheap car insurance.


CAR INSURANCE PRICES: OKLAHOMA CITY VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,779$1,532$1,569


Oklahoma City Auto Insurance by Violation or Accident History


By knowing which driving mishaps can make your insurance premiums spike, you can make better decisions and save money. Your insurance company will certainly be looking at your driving record when putting together your insurance policy. Accidents that cause injury or property damage are going to drive up how much you pay for coverage. Similarly, infractions such as speeding tickets and DUIs are also going to affect the cost of your policy. If you have a driving record that is less than stellar, how much more can you expect car insurance companies to charge you?


Insurance rates are affected by at-fault accident history, and more specifically, by how much damage was done in the accidents. When comparing rates for drivers with at-fault accidents in Oklahoma City, those with damages exceeding $2,000 pay $381 more than those with damages less than $1,000. Speeding 16-20mph over the speed limit can cost you in terms of insuring your vehicle. People with a speeding ticket on their record generally pay $380 more per year. Essentially, keeping a clean driving history can go a long way in helping you find cheap car insurance.


AVERAGE OKLAHOMA CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Insurance Rate
DUI$2,454
Reckless Driving$2,609
At-fault Accident (damages less than $1,000)$2,444
At-fault Accident (damages greater than $2,000)$2,825
Speeding Ticket (16-20 mph over speed limit)$2,159


Oklahoma City Car Insurance by Credit Rating


Credit ratings can have a huge impact on you much you pay for vehicle coverage. Car insurance companies have found a correlation between motorists with bad credit and their likelihood of filing a claim. Just how much can your credit history affect how much you pay for your policy?


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of 51% every year on car insurance. Drivers will see the greatest decrease in premiums when they improve their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,064 per year. Repairing your credit can lead to big savings and make it much easier to find cheap car insurance.


OKLAHOMA CITY AUTO INSURANCE RATES BY CREDIT TIER
CreditAverage Auto Insurance Rate
Very Poor$3,148
Fair$2,084
Good$1,779
Very Good$1,644
Exceptional$1,552


Oklahoma City Auto Insurance by Marital Status and Gender


Many driver characteristics, including gender and marital status, can have an effect on car insurance premiums in Oklahoma City. Being married can save you close to $100 per year on your insurance coverage compared to being single or divorced. Those who are widowed are able to find moderately cheaper car insurance than those who are single. Normally, it is 2% more costly for females to insure a vehicle than it is for males.


OKLAHOMA CITY CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,812
Male$1,779
Single$1,779
Married$1,683
Divorced$1,779
Widowed$1,717


Oklahoma City Auto Insurance Premiums by Age


Car insurance companies see certain age groups as more of a liability. This comes down to factors such as driving experience and overall maturity level. As such, some groups may have a harder time finding car insurance quotes that are easy on the wallet. Which age groups can expect to pay more for their car insurance policy?


Car insurance premiums are highest for teenage drivers, with payments that average $7,171 per year. Looking across all age groups, drivers in their 50s have the lowest insurance payments. Their rates typically average $1,547/year. People in their 60s ($1,574) aren’t paying significantly more. When Oklahoma City drivers reach their 20s, therefore moving out of the teenage age range, they save an average of $5,624, which is the most change you'll see between any age group. Turning 60 causes a rise in premiums, but up until that age drivers can expect premium reductions when they progress between age groups.


OKLAHOMA CITY CAR INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$7,171
20s$2,427
30s$1,741
40s$1,678
50s$1,547
60s$1,574
70s$1,706


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.

84

Rainy Days a Year

37"

Avg. Annual Rainfall

8"

Avg. Annual Snowfall

Be Prepared For

Driving in OKC

2
Major Highways
I-35 I-40 I-235
2
Toll Roads
Kilpatrick Turnpike
2
Popular Day Trips
Alabaster Caverns Chickasaw Turner Falls Park

Find Local Oklahoma City Agents

Haley's Insurance Agency

2440 N MACARTHUR Oklahoma City, OK 73127

La Raza Insurance Ltd Co

4504 NW 50th St Ste D Oklahoma City, OK 73112

Jiang & Associates Insurance Agency

7029 NW 12th St Oklahoma City, OK 73127

Cheapest Auto Insurance

2615 N MacArthur Blvd Oklahoma City, OK 73127

CPC Insurance Agency

1140 NW 50th St Oklahoma City, OK 73118

Tedford & Associates LLC- OKC

50 Penn Pl Oklahoma City, OK 73118

Crawford-Phillips Inc.

1215 North Street Oklahoma City, OK 73108

Econo-Wise Insurance Agency

2705 SW 29 Oklahoma City, OK 73119

The Thunder Insurance Group LLC

1116 SW 29th St Oklahoma City, OK 73109

BancFirst Insurance Services, Inc.

5400 N. Grand Blvd Oklahoma City, OK 73112

Plico Financial Inc

226 Dean McGee Ave Ste 200 Oklahoma City, OK 73102

THN Insurance Solutions

2201 N Classen Oklahoma City, OK 73106

Russ Warren Ins Agcy

3431 NW 36th Oklahoma City, OK 73112

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

Professional Insurors Agency, LLC

7301 Broadway Extension Oklahoma City, OK 73116

Alexander & Strunk Inc

3000 Northwest 149th Street Oklahoma City, OK 73134

Cheapest Auto Insurance

2615 N Macarthur Blvd Oklahoma City, OK 73127

Nuevo Central Insurance Agency LLC

1012 SW 29TH ST OKLAHOMA CITY, OK 73109

La Raza Insurance Ltd. Co.

2660 SW 44th St Oklahoma City, OK 73119

Above All Insurance, Inc

3632 NW 21st Oklahoma City, OK 73107

InLight Risk Management

1103 Sovereign Row Oklahoma City, OK 73108

Insurance Agents, Inc.

1537 Sw 59Th St Oklahoma City, OK 73119

Perimeter Insurance Agency, Inc.

4200 Perimeter Center Ste 245 Oklahoma City, OK 73112

Rich & Cartmill, Inc.

1608 NW Expressway #100 Oklahoma City, OK 73118

Not sure about Oklahoma City

Check out these other Oklahoma cities...

Tulsa

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$2,031

The average Oklahoma City resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

325

That's equal to 325 cups of coffee or $812 in savings

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Recent Questions:

Oklahoma City Car Insurance

How do I dispute a homeowners insurance claim?

Sorry to hear about your recent troubles. Unfortunately, to dispute a homeowners claim such as this, the best way forward is to seek legal advice.

Will I be able to get a new car after an accident?

Unfortunately the license and insurance status of a driver does not play any factor in determining fault after an accident, so your insurance company should be the one covering your damage. If your vehicle was totaled then you should receive a payout for the value of your car minus your deductible.