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 Average||State Average||National Average|
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?
AVERAGE OKLAHOMA CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,444|
|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
|Credit||Average Auto Insurance Rate|
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/Gender||Average Rate|
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
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
Russ Warren Ins Agcy
3431 NW 36th Oklahoma City, OK 73112
Plico Financial Inc
226 Dean McGee Ave Ste 200 Oklahoma City, OK 73102
The Thunder Insurance Group LLC
1116 SW 29th St Oklahoma City, OK 73109
Professional Insurors Agency, LLC
7301 Broadway Extension Oklahoma City, OK 73116
Above All Insurance, Inc
3632 NW 21st Oklahoma City, OK 73107
Alexander & Strunk Inc
3000 Northwest 149th Street Oklahoma City, OK 73134
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
Cheapest Auto Insurance
2615 N MacArthur Blvd Oklahoma City, OK 73127
La Raza Insurance Ltd. Co.
2660 SW 44th St Oklahoma City, OK 73119
InLight Risk Management
1103 Sovereign Row Oklahoma City, OK 73108
Perimeter Insurance Agency, Inc.
4200 Perimeter Center Ste 245 Oklahoma City, OK 73112
THN Insurance Solutions
2201 N Classen Oklahoma City, OK 73106
Econo-Wise Insurance Agency
2705 SW 29 Oklahoma City, OK 73119
CPC Insurance Agency
1140 NW 50th St Oklahoma City, OK 73118
Haley's Insurance Agency
2440 N MACARTHUR Oklahoma City, OK 73127
BancFirst Insurance Services, Inc.
5400 N. Grand Blvd Oklahoma City, OK 73112
La Raza Insurance Ltd Co
4504 NW 50th St Ste D Oklahoma City, OK 73112
1215 North Street Oklahoma City, OK 73108
Tedford & Associates LLC- OKC
50 Penn Pl Oklahoma City, OK 73118
Jiang & Associates Insurance Agency
7029 NW 12th St Oklahoma City, OK 73127
Rick Wood Insurance Agency Inc.
1117 SW 44 Oklahoma City, OK 73109
Nuevo Central Insurance Agency LLC
1012 SW 29TH ST OKLAHOMA CITY, OK 73109
Rich & Cartmill, Inc.
1608 NW Expressway #100 Oklahoma City, OK 73118
Insurance Agents, Inc.
1537 Sw 59Th St Oklahoma City, OK 73119
Not sure about Oklahoma City
Check out these other Oklahoma cities...
The average Oklahoma City resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Oklahoma City
Just enter your zip code to get started
Oklahoma City Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...