How Much Does Car Insurance Cost in Oklahoma City?
Oklahoma City is recognized for its expensive premiums, as its mean premium is $211 greater than the state average. So understanding premium costs while insuring a vehicle in Oklahoma City is vital. We've analyzed how auto insurance rates in Oklahoma City compare to premiums nationwide.
INSURANCE PREMIUMS: OKLAHOMA CITY VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Oklahoma City Car Insurance After an Accident or Moving Violation
By avoiding driving mishaps that can bloat the expense of insurance premiums, you can not only save yourself money, but become a safer driver. Drivers with a DUI in Oklahoma City need to spend $801 more than the city average to insure their vehicle. Reckless driving will also drive your rates up, with typical rates of $2,381. That is 36% higher than the city average. If you are found at-fault in an accident in Oklahoma City, you can expect your yearly car insurance payments to grow by 49%.
AVERAGE OKLAHOMA CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|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|
Oklahoma City Car Insurance by Age
With rates of $7,132 on average, teenage drivers are the ones who pay the most in car insurance premiums. In Oklahoma City, drivers see the greatest decrease in premiums when they reach their 20s, as they save an average of 66% from moving out of the teenage age bracket. Rates for drivers continue to shrink through their 50s, but they can expect a change when they turn 60. When looking across all age groups, drivers in their 50s have the lowest premiums. Their rates usually average $1,526 per year. Those in their 60s ($1,550) aren’t paying significantly more.
OKLAHOMA CITY CAR INSURANCE RATES BY DRIVER AGE
Oklahoma City Auto Insurance by Credit Level
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are 271% more per year. Drivers will see the greatest reduction in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,873 per year.
OKLAHOMA CITY AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Score||Average Car Insurance Rate|
Oklahoma City Car Insurance by Marital Status and Gender
In Oklahoma City, many driver traits, including marital status and gender, can affect car insurance premiums. Rates for those who are widowed are somewhat cheaper than rates for those who are single. People who are single spend around $110 more per year on car insurance compared to those who are married. Males have premiums that are roughly 2% cheaper than those for females.
OKLAHOMA CITY AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
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
Russ Warren Ins Agcy
3431 NW 36th Oklahoma City, OK 73112
Plico Financial Inc
226 Dean McGee Ave Ste 200 Oklahoma City, OK 73102
Professional Insurors Agency, LLC
7301 Broadway Extension Oklahoma City, OK 73116
Perimeter Insurance Agency, Inc.
4200 Perimeter Center Ste 245 Oklahoma City, OK 73112
Rich & Cartmill, Inc.
1608 NW Expressway #100 Oklahoma City, OK 73118
Cheapest Auto Insurance
2615 N MacArthur Blvd Oklahoma City, OK 73127
Workers Compensation For Less LLC
4300 Highline Blvd Ste 332 Oklahoma City, OK 73108
Rick Wood Insurance Agency Inc.
1117 SW 44 Oklahoma City, OK 73109
La Raza Insurance Ltd. Co.
2660 SW 44th St Oklahoma City, OK 73119
The Thunder Insurance Group LLC
1116 SW 29th St Oklahoma City, OK 73109
Nuevo Central Insurance Agency LLC
1012 SW 29TH ST OKLAHOMA CITY, OK 73109
La Raza Insurance Ltd Co
4504 NW 50th St Ste D Oklahoma City, OK 73112
InLight Risk Management
1103 Sovereign Row Oklahoma City, OK 73108
CPC Insurance Agency
1140 NW 50th St Oklahoma City, OK 73118
Alexander & Strunk Inc
3000 Northwest 149th Street Oklahoma City, OK 73134
Cheapest Auto Insurance
2615 N Macarthur Blvd Oklahoma City, OK 73127
Econo-Wise Insurance Agency
2705 SW 29 Oklahoma City, OK 73119
Tedford & Associates LLC- OKC
50 Penn Pl Oklahoma City, OK 73118
1215 North Street Oklahoma City, OK 73108
Jiang & Associates Insurance Agency
7029 NW 12th St Oklahoma City, OK 73127
Insurance Agents, Inc.
1537 Sw 59Th St Oklahoma City, OK 73119
BancFirst Insurance Services, Inc.
5400 N. Grand Blvd Oklahoma City, OK 73112
Haley's Insurance Agency
2440 N MACARTHUR Oklahoma City, OK 73127
Above All Insurance, Inc
3632 NW 21st Oklahoma City, OK 73107
THN Insurance Solutions
2201 N Classen Oklahoma City, OK 73106
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Oklahoma City Car Insurance
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