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.

84

Rainy Days a Year

37"

Avg. Annual Rainfall

8"

Avg. Annual Snowfall

Be Prepared For

Driving in OKC

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

Car Insurance Companies in Oklahoma City

Allstate Foremost GAINSCO Hallmark Home State Jupiter Auto Liberty Mutual MetLife Oklahoma Farm Bureau Oklahoma Farmers Union SAFECO Safe Auto Shelter The General Traders

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

Crawford-Phillips Inc.

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

See All

Not sure about Oklahoma City

Check out these other Oklahoma cities...

Tulsa

$2,031

The average Oklahoma City resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

325

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

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Oklahoma City Car Insurance

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