Why Compare Car Insurance Rates in Oklahoma:
To get the best auto insurance in Oklahoma, you must first learn about the elements that determine premiums. Each car insurance company offers car insurance quotes based on your desired amount of coverage, your location, driving history, ag e, and various other factors. Shopping around might help you locate a reasonable policy that meets your needs.
Oklahoma isn't one of the most costly states in the US for auto insurance, with an average rate of $1449, just a smidgeon higher than the national average of $1332. Depending on your car's age, make, and model, and if you want minimum coverage, uninsured motorist coverage, or other coverage options, you may spend more or less on auto insurance.
All states require you to buy such insurance coverage before you can register your car. According to the Oklahoma Insurance Department, all car owners must have at least the following:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $25000 ($50,000 for injuries resulting in death) |
| Bodily Injury Liability Coverage (per accident) | $50000 ($100000 for injuries resulting in death) |
| Property Damage Liability | $25000 |
| Uninsured Motorist | $25000 bodily injury per person $50000 bodily injury per accident |
It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.
It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although Oklahoma's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.
This is also true for property damage coverage, as the $25,000 limit isn't enough to cover a new car's typical cost if you need to replace one.
To prevent being stuck footing the bill out of pocket, all drivers are strongly advised to increase these limitations. Bodily coverage is also your only option to protect your car.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $921 |
| State Farm | $1,160 |
| Progressive | $1,257 |
| Mercury | $1,289 |
| MetLife | $1,309 |
| Farmers Insurance | $1,354 |
| Allstate | $1,403 |
| Statewide Average | $1,411 |
| Oklahoma Farm Bureau | $1,991 |
| Shelter Insurance Group | $2,209 |
Liability insurance protects others from bodily harm and property damage caused by you in an accident if you are at fault. It also goes toward compensating people you damage for their pain and suffering, burial costs, and lost wages. Remember that liability insurance does not cover your injuries or property damage.
All drivers in Oklahoma are required to have liability insurance.
All drivers in Oklahoma must have auto insurance, and these rules are in place to keep you and other drivers safe. According to Oklahoma law, proof of insurance must be carried with you at all times when driving and produced to law enforcement officers upon request. Keep in mind that if you're leasing or financing a car, your leasing company or lender may have additional insurance requirements.
Maintaining the minimum levels of insurance coverage in Oklahoma is not only a requirement, but it's also a good method to safeguard yourself and your assets. Furthermore, most insurance experts recommend having higher liability limits than those most states require.
If the expense of acquiring such coverage concerns you, you may want to consider searching for a new policy. Way.com can assist you in comparing rates and locating a new policy that falls within your budget.
In terms of auto insurance, Oklahoma is not an at-fault state.
In Oklahoma, personal injury protection (PIP) is not needed. Instead of PIP insurance, Oklahoma insurance companies offer medical payments insurance (often known as MedPay) to cover hospital expenditures incurred due to a car accident.
Like most states, Oklahoma has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.
To be lawful in Oklahoma, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional coverage alternatives.
If you're caught driving without sufficient insurance, you'll face the following penalties:
Drivers must get insurance and pay a $125 administrative fee to recover their driving privileges.
In addition to the location, Oklahoma car insurance rates are determined by several factors. Your premium is affected by your age, gender, marital status, car, and driving background. Other factors, including the number of miles driven and credit score, are also taken into account. Since each carrier gives different weight to each of these variables, comparing several carriers is even more critical to ensure you are getting affordable car insurance in Oklahoma for your financial situation.
In Oklahoma, car insurance is prohibitively expensive. Oklahoma's average vehicle insurance rate is $1554 per year, 8% higher than the national average.
However, auto insurance premiums are influenced by factors other than geography. The cost of auto insurance is determined by various factors, including your marital status, driving history, credit score, gender, and age. We looked at Oklahoma's average car insurance prices based on each of the primary rating categories. Read on to determine how much auto insurance costs in your state, or enter your zip code to get customized quotes from top insurers.
| Company | Annual rate |
|---|---|
| State Farm | $723 |
| Mercury | $753 |
| Farmers | $968 |
| Allstate | $1,030 |
| Progressive | $1,114 |
| Shelter | $1,279 |
| Oklahoma Farm Bureau | $1,297 |
| Home State Ins Group | $1,375 |
| Company | 16-year-old-female | 16-year-old-male |
|---|---|---|
| Allstate | $5,141 | $5,395 |
| State Farm | $2,425 | $6,037 |
| Progressive | $5,535 | $3,020 |
| Farmers | $8,603 | $9,370 |
| Company | Annual Premium |
|---|---|
| State Farm | $634 |
| Mercury | $844 |
| Progressive | $968 |
| Farmers | $979 |
| Shelter | $1,019 |
| Oklahoma Farm Bureau | $1,104 |
| Allstate | $1,144 |
| Home State Ins Group | $1,409 |
Oklahoma's average rates for good drivers are close to the state average. USAA is the most affordable insurer for those with a clean driving record. Oklahoma Farm Bureau is the most expensive insurer for those with a clean driving record.
Young adult car insurance prices in Oklahoma are substantially lower than teen rates, with female rates lower than male rates. State Farm is the cheapest insurer for young adults (male and female) in Oklahoma and Shelter has the highest average premium. However, your rates may vary depending on other criteria.
| Company | Annual Premium |
|---|---|
| State Farm | $893 |
| Mercury | $1,000 |
| Allstate | $1,137 |
| Farmers | $1,270 |
| Progressive | $1,424 |
| Home State Ins Group | $1,534 |
| Oklahoma Farm Bureau | $1,838 |
| Shelter | $1,938 |
Oklahoma insurance rates begin to rise after one speeding violation. After a ticket, USAA may be the cheapest option for auto insurance, followed by Shelter, and MetLife offers the most expensive insurance for this category.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $1,220 |
| State Farm | $1,329 |
| Allstate | $1,631 |
| Statewide Average | $1,753 |
| Farmers Insurance | $1,810 |
| Progressive | $1,968 |
| Mercury | $2,066 |
| Oklahoma Farm Bureau | $2,132 |
| Shelter Insurance Group | $2,443 |
| Home State Ins Group | $1,423 |
| MetLife | $3,066 |
After a single collision, driver's car insurance prices rise again. According to the research, Shelter Insurance Group may be the most expensive insurance carrier for Oklahoma drivers with an accident on their record. If these drivers cannot qualify for USAA's rates, State Farm may be the least expensive insurance company for them.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $1,381 |
| State Farm | $1,409 |
| Progressive | $1,774 |
| Allstate | $1,884 |
| Farmers Insurance | $1,999 |
| Statewide Average | $2,096 |
| Oklahoma Farm Bureau | $2,275 |
| MetLife | $2,404 |
| Mercury | $2,700 |
| Shelter Insurance Group | $3,371 |
| Home State Ins Group | $1,493 |
| Oklahoma Farm Bureau | $1,428 |
Having a DUI on your record may also result in increased insurance rates. However, State Farm, an Oklahoma insurer, charges the same cost whether the driver's record includes a speeding ticket or a DUI, with higher rates reserved for those involved in an accident. According to the research, State Farm has the best rates for DUI drivers. The MetLife has the highest DUI rates in the state.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| State Farm | $1,329 |
| Progressive | $1,680 |
| USAA | $1,763 |
| Mercury | $1,836 |
| Allstate | $1,889 |
| Farmers Insurance | $1,926 |
| Statewide Average | $2,125 |
| Shelter Insurance Group | $3,163 |
| Oklahoma Farm Bureau | $3,268 |
| Home State Ins Group | $1,499 |
| MetLife | $4,695 |
State Farm offers the best full coverage prices for married drivers in Oklahoma. If you're married, it's also worth getting a price estimate from Progressive, the second-cheapest alternative. Drivers who are married often receive a slight discount on their insurance payments. In Oklahoma, married drivers save an average of $156 per year on auto insurance.
| Company | Annual rates |
|---|---|
| State Farm | $1224 |
| Progressive | $1491 |
| Allstate | $1791 |
| Farm Bureau | $2028 |
| Shelter | $2082 |
State Farm offers the most affordable car insurance for young drivers who have been in an accident. The basic coverage insurance from State Farm is $1481 per year, which is about $1146 less than the state average for a young driver with the same driving history.
Unfortunately, finding affordable car insurance for young drivers is tough. Finding affordable car insurance becomes more difficult if you're young and have even one at-fault accident on your record.
| Company | Annual Rate |
|---|---|
| State Farm | $1,481 |
| Farm Bureau | $2,333 |
| Allstate | $2,441 |
| Progressive | $3,377 |
| Farmers | $3,437 |
| Shelter | $3,461 |
| USAA | $1,301 |
Dewey has the cheapest car insurance in Oklahoma, at $1722 per year for full coverage, while Forest Park has the most expensive, at $2202 per year for full coverage.
Varied cities in Oklahoma will have different auto insurance prices, as insurers estimate a driver's risk based on a range of criteria. The cost difference between the least and most expensive cities in Oklahoma is $480.
If you live in a densely populated location, your insurance premiums will certainly be higher than those in a less densely populated area. For example, drivers in Oklahoma City, the state's largest city, pay an average of $2118 per year for car insurance.
| City | Annual Rate |
|---|---|
| Achille | $1,901 |
| Ada | $1,817 |
| Adair | $1,817 |
| Adams | $1,769 |
| Addington | $1,829 |
| Afton | $1,841 |
| Agra | $1,913 |
| Akins | $1,841 |
| Albany | $1,877 |
| Albert | $1,769 |
| Albion | $1,853 |
| Alderson | $1,817 |
| Alex | $1,877 |
| Aline | $1,817 |
| Allen | $1,829 |
| Altus | $1,781 |
| Altus Afb | $1,781 |
| Alva | $1,841 |
| Amber | $1,865 |
| Ames | $1,829 |
| Amorita | $1,841 |
| Anadarko | $1,817 |
| Antlers | $1,901 |
| Apache | $1,805 |
| Arapaho | $1,769 |
| Arcadia | $1,985 |
| Ardmore | $1,829 |
| Arkoma | $1,877 |
| Arnett | $1,841 |
| Asher | $1,889 |
| Atoka | $1,901 |
| Atwood | $1,841 |
| Avant | $1,877 |
| Balko | $1,805 |
| Barnsdall | $1,853 |
| Bartlesville | $1,757 |
| Battiest | $1,877 |
| Beaver | $1,817 |
| Beggs | $1,877 |
| Bell | $1,853 |
| Bennington | $1,901 |
| Bessie | $1,805 |
| Bethany | $2,093 |
| Bethel | $1,889 |
| Bethel Acres | $1,949 |
| Big Cabin | $1,853 |
| Billings | $1,805 |
| Binger | $1,865 |
| Bison | $1,793 |
| Bixby | $2,033 |
| Blackwell | $1,865 |
| Blair | $1,817 |
| Blanchard | $1,937 |
| Blanco | $1,817 |
| Blocker | $1,829 |
| Bluejacket | $1,841 |
| Boise City | $1,829 |
| Bokchito | $1,865 |
| Bokoshe | $1,841 |
| Boley | $1,841 |
| Boswell | $1,865 |
| Bowlegs | $1,817 |
| Boynton | $1,841 |
| Bradley | $1,889 |
| Braggs | $1,853 |
| Braman | $1,889 |
| Bristow | $1,877 |
| Broken Arrow | $1,985 |
| Broken Bow | $1,913 |
| Bromide | $1,841 |
| Brushy | $1,841 |
| Buffalo | $1,829 |
| Bunch | $1,841 |
| Burbank | $1,853 |
| Burlington | $1,829 |
| Burneyville | $1,781 |
| Burns Flat | $1,829 |
| Bushyhead | $1,793 |
| Butler | $1,817 |
| Byars | $1,889 |
| Byng | $1,817 |
| Cache | $1,781 |
| Caddo | $1,877 |
| Calera | $1,865 |
| Calumet | $1,913 |
| Calvin | $1,841 |
| Camargo | $1,853 |
| Cameron | $1,829 |
| Canadian | $1,805 |
| Caney | $1,877 |
| Canton | $1,841 |
| Canute | $1,829 |
| Cardin | $1,841 |
| Carlisle | $1,853 |
| Carmen | $1,817 |
| Carnegie | $1,829 |
| Carney | $1,901 |
| Carrier | $1,805 |
| Carter | $1,829 |
| Cartwright | $1,865 |
| Cashion | $1,889 |
| Castle | $1,817 |
| Catoosa | $1,889 |
| Cedar Crest | $1,865 |
| Cement | $1,817 |
| Centrahoma | $1,841 |
| Central High | $1,817 |
| Chandler | $1,901 |
| Chattanooga | $1,757 |
| Checotah | $1,817 |
| Chelsea | $1,805 |
| Cherokee | $1,853 |
| Chester | $1,817 |
| Chewey | $1,841 |
| Cheyenne | $1,853 |
| Chickasha | $1,853 |
| Choctaw | $2,033 |
| Chouteau | $1,829 |
| Claremore | $1,793 |
| Clarita | $1,877 |
| Clayton | $1,877 |
| Cleo Springs | $1,805 |
| Cleora | $1,841 |
| Cleveland | $1,901 |
| Clinton | $1,793 |
| Coalgate | $1,865 |
| Colbert | $1,853 |
| Colcord | $1,829 |
| Coleman | $1,865 |
| Collinsville | $1,829 |
| Colony | $1,829 |
| Comanche | $1,805 |
| Commerce | $1,817 |
| Concho | $1,937 |
| Connerville | $1,877 |
| Cookson | $1,877 |
| Copan | $1,757 |
| Copeland | $1,829 |
| Cordell | $1,829 |
| Corn | $1,793 |
| Council Hill | $1,841 |
| Countyline | $1,781 |
| Covington | $1,781 |
| Coweta | $1,925 |
| Coyle | $1,913 |
| Crawford | $1,853 |
| Crescent | $1,925 |
| Cromwell | $1,817 |
| Crowder | $1,841 |
| Cushing | $1,829 |
| Custer City | $1,829 |
| Cyril | $1,829 |
| Dacoma | $1,841 |
| Daisy | $1,889 |
| Davenport | $1,913 |
| Davidson | $1,793 |
| Davis | $1,817 |
| Deer Creek | $1,841 |
| Del City | $2,141 |
| Delaware | $1,841 |
| Depew | $1,865 |
| Devol | $1,817 |
| Dewar | $1,877 |
| Dewey | $1,721 |
| Dibble | $1,925 |
| Dickson | $1,829 |
| Dill City | $1,829 |
| Disney | $1,841 |
| Dougherty | $1,817 |
| Douglas | $1,793 |
| Dover | $1,841 |
| Drummond | $1,793 |
| Drumright | $1,877 |
| Dry Creek | $1,877 |
| Duke | $1,829 |
| Duncan | $1,793 |
| Durant | $1,853 |
| Durham | $1,841 |
| Dustin | $1,793 |
| Eagletown | $1,877 |
| Eakly | $1,817 |
| Earlsboro | $1,937 |
| Edmond | $1,985 |
| El Reno | $1,961 |
| Eldorado | $1,781 |
| Elgin | $1,757 |
| Elk City | $1,841 |
| Elmer | $1,793 |
| Elmore City | $1,805 |
| Enid | $1,769 |
| Erick | $1,865 |
| Eucha | $1,841 |
| Eufaula | $1,793 |
| Fair Oaks | $1,805 |
| Fairfax | $1,853 |
| Fairland | $1,805 |
| Fairmont | $1,781 |
| Fairview | $1,805 |
| Fanshawe | $1,829 |
| Fargo | $1,829 |
| Faxon | $1,781 |
| Fay | $1,853 |
| Felt | $1,841 |
| Finley | $1,889 |
| Fittstown | $1,853 |
| Fitzhugh | $1,805 |
| Fletcher | $1,757 |
| Forest Park | $2,189 |
| Forgan | $1,817 |
| Fort Cobb | $1,805 |
| Fort Gibson | $1,853 |
| Fort Supply | $1,805 |
| Fort Towson | $1,889 |
| Foss | $1,829 |
| Foster | $1,781 |
| Fox | $1,805 |
| Foyil | $1,805 |
| Francis | $1,817 |
| Frederick | $1,769 |
| Freedom | $1,829 |
| Gage | $1,841 |
| Gans | $1,829 |
| Garber | $1,781 |
| Garvin | $1,889 |
| Gate | $1,841 |
| Geary | $1,889 |
| Gene Autry | $1,817 |
| Geronimo | $1,793 |
| Glencoe | $1,805 |
| Glenpool | $1,973 |
| Golden | $1,901 |
| Goldsby | $1,937 |
| Goltry | $1,817 |
| Goodwell | $1,805 |
| Gore | $1,865 |
| Gotebo | $1,817 |
| Gould | $1,877 |
| Gowen | $1,841 |
| Gracemont | $1,805 |
| Graham | $1,817 |
| Grandfield | $1,793 |
| Grandview | $1,853 |
| Granite | $1,841 |
| Grant | $1,853 |
| Greenfield | $1,817 |
| Grove | $1,829 |
| Guthrie | $1,973 |
| Guymon | $1,805 |
| Haileyville | $1,841 |
| Hallett | $1,841 |
| Hammon | $1,853 |
| Hanna | $1,829 |
| Hardesty | $1,817 |
| Harrah | $1,985 |
| Hartshorne | $1,817 |
| Haskell | $1,889 |
| Hastings | $1,817 |
| Haworth | $1,889 |
| Headrick | $1,793 |
| Healdton | $1,817 |
| Heavener | $1,853 |
| Helena | $1,829 |
| Hendrix | $1,865 |
| Hennepin | $1,817 |
| Hennessey | $1,817 |
| Henryetta | $1,841 |
| Hillsdale | $1,829 |
| Hinton | $1,889 |
| Hitchcock | $1,805 |
| Hitchita | $1,829 |
| Hobart | $1,841 |
| Hodgen | $1,877 |
| Holdenville | $1,817 |
| Hollis | $1,877 |
| Hollister | $1,781 |
| Hominy | $1,901 |
| Honobia | $1,865 |
| Hooker | $1,793 |
| Hopeton | $1,817 |
| Howe | $1,841 |
| Hoyt | $1,841 |
| Hugo | $1,865 |
| Hulbert | $1,865 |
| Hunter | $1,793 |
| Hydro | $1,841 |
| Idabel | $1,889 |
| Indiahoma | $1,757 |
| Indianola | $1,817 |
| Inola | $1,805 |
| Isabella | $1,817 |
| Jay | $1,841 |
| Jenks | $1,973 |
| Jennings | $1,901 |
| Jet | $1,829 |
| Jones | $2,033 |
| Justice | $1,793 |
| Kansas | $1,817 |
| Katie | $1,805 |
| Kaw City | $1,853 |
| Kellyville | $1,877 |
| Kemp | $1,853 |
| Kenefic | $1,853 |
| Kenton | $1,817 |
| Kenwood | $1,817 |
| Keota | $1,817 |
| Ketchum | $1,853 |
| Keyes | $1,829 |
| Kiefer | $1,913 |
| Kingfisher | $1,889 |
| Kingston | $1,817 |
| Kinta | $1,841 |
| Kiowa | $1,841 |
| Konawa | $1,817 |
| Krebs | $1,805 |
| Kremlin | $1,793 |
| Lahoma | $1,793 |
| Lamar | $1,817 |
| Lamont | $1,853 |
| Lane | $1,889 |
| Langley | $1,829 |
| Langston | $1,901 |
| Laverne | $1,817 |
| Lawton | $1,769 |
| Lebanon | $1,805 |
| Leedey | $1,853 |
| Leflore | $1,841 |
| Lehigh | $1,853 |
| Lenapah | $1,805 |
| Leon | $1,817 |
| Leonard | $1,913 |
| Lequire | $1,853 |
| Lexington | $1,937 |
| Limestone | $1,793 |
| Lindsay | $1,817 |
| Loco | $1,805 |
| Locust Grove | $1,865 |
| Lone Grove | $1,841 |
| Lone Wolf | $1,829 |
| Long | $1,829 |
| Longdale | $1,805 |
| Longtown | $1,793 |
| Lookeba | $1,829 |
| Loveland | $1,793 |
| Loyal | $1,853 |
| Lucien | $1,817 |
| Luther | $2,021 |
| Macomb | $1,949 |
| Madill | $1,817 |
| Manchester | $1,829 |
| Mangum | $1,877 |
| Manitou | $1,745 |
| Mannford | $1,901 |
| Mannsville | $1,817 |
| Maramec | $1,805 |
| Marble City | $1,877 |
| Marietta | $1,793 |
| Marland | $1,829 |
| Marlow | $1,817 |
| Marshall | $1,877 |
| Martha | $1,781 |
| Maud | $1,889 |
| May | $1,829 |
| Maysville | $1,841 |
| McAlester | $1,805 |
| McCord | $1,877 |
| McCurtain | $1,865 |
| McLoud | $1,973 |
| Mead | $1,853 |
| Medford | $1,829 |
| Medicine Park | $1,769 |
| Meeker | $1,925 |
| Meers | $1,781 |
| Meno | $1,829 |
| Meridian | $1,865 |
| Miami | $1,841 |
| Midwest City | $2,093 |
| Milburn | $1,853 |
| Milfay | $1,829 |
| Mill Creek | $1,805 |
| Millerton | $1,889 |
| Minco | $1,901 |
| Moffett | $1,925 |
| Monroe | $1,865 |
| Moodys | $1,841 |
| Moore | $2,033 |
| Mooreland | $1,841 |
| Morris | $1,853 |
| Morrison | $1,841 |
| Mounds | $1,901 |
| Mountain Park | $1,805 |
| Mountain View | $1,817 |
| Moyers | $1,865 |
| Muldrow | $1,829 |
| Mulhall | $1,877 |
| Muse | $1,877 |
| Muskogee | $1,841 |
| Mustang | $1,985 |
| Mutual | $1,841 |
| Nardin | $1,877 |
| Nash | $1,805 |
| Nashoba | $1,853 |
| New Cordell | $1,829 |
| Newalla | $1,997 |
| Newcastle | $1,949 |
| Newkirk | $1,889 |
| Nichols Hills | $2,165 |
| Nicoma Park | $2,057 |
| Ninnekah | $1,877 |
| Noble | $1,949 |
| Norman | $1,961 |
| North Enid | $1,757 |
| North Miami | $1,817 |
| Nowata | $1,817 |
| Oakhurst | $2,105 |
| Oakland | $1,817 |
| Oaks | $1,865 |
| Oakwood | $1,829 |
| Ochelata | $1,721 |
| Oilton | $1,901 |
| Okarche | $1,865 |
| Okay | $1,901 |
| Okeene | $1,805 |
| Okemah | $1,841 |
| Oklahoma City | $2,117 |
| Okmulgee | $1,853 |
| Oktaha | $1,829 |
| Olustee | $1,817 |
| Omega | $1,877 |
| Oologah | $1,805 |
| Orlando | $1,877 |
| Osage | $1,841 |
| Oscar | $1,853 |
| Overbrook | $1,817 |
| Owasso | $1,853 |
| Paden | $1,841 |
| Panama | $1,853 |
| Panola | $1,805 |
| Paoli | $1,805 |
| Park Hill | $1,865 |
| Pauls Valley | $1,817 |
| Pawhuska | $1,877 |
| Pawnee | $1,889 |
| Peggs | $1,865 |
| Perkins | $1,817 |
| Perry | $1,805 |
| Pettit | $1,889 |
| Picher | $1,865 |
| Pickens | $1,889 |
| Piedmont | $1,997 |
| Pink | $1,937 |
| Pittsburg | $1,841 |
| Platter | $1,853 |
| Pocasset | $1,901 |
| Pocola | $1,853 |
| Ponca City | $1,889 |
| Pond Creek | $1,817 |
| Porter | $1,901 |
| Porum | $1,793 |
| Poteau | $1,841 |
| Prague | $1,925 |
| Preston | $1,901 |
| Proctor | $1,853 |
| Prue | $1,841 |
| Pryor | $1,817 |
| Pryor Creek | $1,817 |
| Purcell | $1,925 |
| Putnam | $1,853 |
| Quapaw | $1,865 |
| Quinton | $1,817 |
| Ralston | $1,829 |
| Ramona | $1,745 |
| Randlett | $1,805 |
| Ratliff City | $1,781 |
| Rattan | $1,913 |
| Ravia | $1,805 |
| Red Oak | $1,829 |
| Red Rock | $1,817 |
| Redbird | $1,877 |
| Rentiesville | $1,817 |
| Reydon | $1,841 |
| Ringling | $1,817 |
| Ringold | $1,877 |
| Ringwood | $1,793 |
| Ripley | $1,805 |
| Rocky | $1,865 |
| Rocky Mountain | $1,853 |
| Roff | $1,817 |
| Roland | $1,865 |
| Roosevelt | $1,829 |
| Rose | $1,817 |
| Rosston | $1,829 |
| Rufe | $1,841 |
| Rush Springs | $1,901 |
| Ryan | $1,829 |
| Saint Louis | $1,901 |
| Salina | $1,841 |
| Sallisaw | $1,841 |
| Sams Corner | $1,865 |
| Sand Hill | $1,853 |
| Sand Springs | $1,937 |
| Sapulpa | $1,925 |
| Sasakwa | $1,805 |
| Savanna | $1,829 |
| Sawyer | $1,877 |
| Sayre | $1,841 |
| Schulter | $1,865 |
| Seiling | $1,829 |
| Seminole | $1,817 |
| Sentinel | $1,853 |
| Sequoyah | $1,793 |
| Shady Grove | $1,841 |
| Shady Point | $1,841 |
| Shamrock | $1,889 |
| Sharon | $1,829 |
| Shattuck | $1,829 |
| Shawnee | $1,949 |
| Shidler | $1,841 |
| Simms | $1,805 |
| Skiatook | $1,865 |
| Slaughterville | $1,937 |
| Slick | $1,877 |
| Smithville | $1,889 |
| Snake Creek | $1,865 |
| Snow | $1,889 |
| Snyder | $1,829 |
| Soper | $1,877 |
| South Coffeyville | $1,793 |
| Southard | $1,793 |
| Sparks | $1,889 |
| Spavinaw | $1,841 |
| Spencer | $2,117 |
| Spencerville | $1,853 |
| Sperry | $1,901 |
| Spiro | $1,865 |
| Springer | $1,817 |
| Sterling | $1,733 |
| Stidham | $1,841 |
| Stigler | $1,829 |
| Stillwater | $1,793 |
| Stilwell | $1,853 |
| Stonewall | $1,817 |
| Strang | $1,841 |
| Stratford | $1,817 |
| Stringtown | $1,901 |
| Stroud | $1,889 |
| Stuart | $1,841 |
| Sulphur | $1,817 |
| Sweetwater | $1,853 |
| Swink | $1,877 |
| Taft | $1,841 |
| Tahlequah | $1,853 |
| Talala | $1,817 |
| Talihina | $1,889 |
| Taloga | $1,865 |
| Tatums | $1,805 |
| Tecumseh | $1,937 |
| Temple | $1,841 |
| Tenkiller | $1,853 |
| Terlton | $1,865 |
| Terral | $1,829 |
| Texanna | $1,793 |
| Texhoma | $1,793 |
| Texola | $1,817 |
| Thackerville | $1,781 |
| The Village | $2,165 |
| Thomas | $1,805 |
| Tipton | $1,793 |
| Tishomingo | $1,841 |
| Titanic | $1,853 |
| Tonkawa | $1,889 |
| Tryon | $1,913 |
| Tulsa | $2,129 |
| Tupelo | $1,841 |
| Turley | $2,153 |
| Turpin | $1,829 |
| Tuskahoma | $1,841 |
| Tussy | $1,805 |
| Tuttle | $1,961 |
| Twin Oaks | $1,829 |
| Tyrone | $1,805 |
| Union City | $1,925 |
| Valley Brook | $2,129 |
| Valliant | $1,901 |
| Velma | $1,793 |
| Vera | $1,733 |
| Verden | $1,865 |
| Verdigris | $1,793 |
| Vian | $1,841 |
| Vici | $1,841 |
| Vinita | $1,853 |
| Vinson | $1,889 |
| Wagoner | $1,865 |
| Wainwright | $1,829 |
| Wakita | $1,829 |
| Walters | $1,793 |
| Wanette | $1,913 |
| Wann | $1,793 |
| Wapanucka | $1,841 |
| Wardville | $1,865 |
| Warner | $1,853 |
| Warr Acres | $2,153 |
| Washington | $1,937 |
| Watonga | $1,829 |
| Watson | $1,901 |
| Watts | $1,841 |
| Waukomis | $1,793 |
| Waurika | $1,829 |
| Wayne | $1,901 |
| Waynoka | $1,841 |
| Weatherford | $1,781 |
| Webbers Falls | $1,841 |
| Welch | $1,841 |
| Weleetka | $1,805 |
| Welling | $1,853 |
| Wellston | $1,961 |
| Westville | $1,817 |
| Wetumka | $1,793 |
| Wewoka | $1,793 |
| Wheatland | $2,021 |
| Whitefield | $1,817 |
| Whitesboro | $1,853 |
| Wilburton | $1,829 |
| Willow | $1,853 |
| Wilson | $1,817 |
| Wister | $1,841 |
| Woodall | $1,841 |
| Woodward | $1,829 |
| Wright City | $1,877 |
| Wyandotte | $1,841 |
| Wynnewood | $1,805 |
| Wynona | $1,829 |
| Yale | $1,805 |
| Yukon | $1,973 |
| Zeb | $1,853 |
| Company | Avg. Annual Premium |
|---|---|
| USAA | $2,307 |
| Farmers | $2,790 |
| Shelter | $2,842 |
| Progressive | $3,566 |
| Allstate | $3,575 |
| State Farm | $7,467 |
| Mercury | $1,039 |
| Home State Ins Group | $1,368 |
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,909 | 1% | $10 |
| One Med/PIP claim | $1,937 | 3% | $39 |
| One comp claim | $1,949 | 3% | $50 |
| Two Med/PIP claims | $1,956 | 3% | $57 |
| Not-at-fault accident | $2,014 | 6% | $105 |
| Two comp claims | $2,014 | 7% | $115 |
| Failure to show documents | $2,108 | 11% | $209 |
| Driving without lights | $2,155 | 14% | $256 |
| Failure to wear a seat belt | $2,170 | 15% | $271 |
| Driving with expired registration | $2,174 | 15% | $275 |
| Child safety restraint | $2,176 | 15% | $277 |
| Cell phone violation | $2,222 | 18% | $324 |
| Texting while driving | $2,222 | 19% | $324 |
| Driving too slowly | $2,244 | 19% | $345 |
| Speeding in school zone | $2,244 | 19% | $346 |
| Failure to yield | $2,262 | 20% | $363 |
| Failure to stop at a red light | $2,271 | 20% | $372 |
| Following too closely | $2,293 | 21% | $394 |
| Illegal turn | $2,293 | 21% | $395 |
| Wrong way/wrong lane | $2,306 | 22% | $407 |
| Improper passing | $2,318 | 23% | $419 |
| Open container | $2,345 | 24% | $446 |
| Passing school bus | $2,360 | 25% | $461 |
| In 65 MPH zone | $2,375 | 26% | $477 |
| Speeding 6 - 10 MPH over limit | $2,384 | 26% | $485 |
| Speeding 11 - 15 MPH over limit | $2,385 | 26% | $486 |
| Speeding 16 - 20 MPH over limit | $2,390 | 26% | $492 |
| Speeding 21 - 25 MPH over limit | $2,437 | 29% | $538 |
| At-fault accident - less than $1000 | $2,457 | 30% | $558 |
| Operating a vehicle without permission | $2,563 | 35% | $664 |
| At-fault accident - $1000-$2000 | $2,607 | 38% | $708 |
| At-fault accident - greater than $2000 | $2,607 | 38% | $708 |
| Reckless driving | $2,799 | 48% | $900 |
| Racing | $3,004 | 59% | $1,106 |
| Refusal to submit to a chemical test | $3,028 | 61% | $1,129 |
| Driving with a suspended license | $3,029 | 61% | $1,131 |
| DUI | $3,069 | 62% | $1,171 |
| Leaving scene of an accident/hit and run | $3,175 | 68% | $1,276 |
| Year | Avg. Annual Premium - Oklahoma | Yearly Change - Oklahoma | Avg. Annual Premium - US | Yearly Change - US |
|---|---|---|---|---|
| 2021 | $1,602 | $56 | $1,539 | $56 |
| 2020 | $1,556 | -$72 | $1,493 | -$51 |
| 2019 | $1,738 | $152 | $1,554 | $33 |
| 2018 | $1,596 | -$200 | $1,531 | $94 |
| 2017 | $1,806 | $224 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
Everyone's car insurance is different, and it's dependent on a variety of factors. Consider these variables when looking for cheap full coverage car insurance in Oklahoma for you.
The expert analysts at Way.com performed an annual survey of the best car insurance companies in Oklahoma to see which ones have the best coverage, rates, and service. The survey assigns points to insurance firms based on how well they handle billing and policy details, claims management, customer engagement, policy offerings, pricing, and overall customer satisfaction.
Please note that USAA is not a qualified rating because it only offers insurance to service personnel, veterans, and their families. However, many who apply can find USAA to be an excellent choice for low-cost auto insurance in Oklahoma.
Compare not just the amount of discounts a business provides, but also the discounts you'll get after you enroll. You will need to call and talk with a representative about the exact sum to get discount on car insurance in Oklahoma.
Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
State Farm provides the best rates for the average driver out of the eight top auto insurance companies in Oklahoma, with a minimum coverage rate of $621.
Because Oklahoma is popularly known as ‘Tornado Alley,’ car insurance is high there. Insurance rates rise due to severe weather patterns that result in large claims and a high number of uninsured drivers.
On average, car insurance in Oklahoma costs $63 per month or $654 per year. Oklahoma's average automobile insurance premium is 11% lower than the national average, and the state ranks 26th out of 50 for the cheapest vehicle insurance premiums in the country.
In Oklahoma, car insurance is prohibitively expensive. Oklahoma's average vehicle insurance rate is $1557 per year, which is 8% higher than the national average.
All drivers in Oklahoma are required to have auto insurance. These rules are in place to keep you and other drivers safe. According to Oklahoma law, proof of insurance must be carried with you at all times when driving and produced to law enforcement officers upon request.
Bodily injury liability coverage: $25000 per person and $50000 per accident is the minimum legal Oklahoma vehicle insurance coverage. Liability coverage for property damage is $25000 per incident. An uninsured motorist's coverage for physical injury caused by an uninsured motorist is $25000 per person and $50000 per accident.
It is illegal to operate a motor vehicle in Oklahoma without proof of insurance or financial responsibility. Driving without automobile insurance in Oklahoma can result in the suspension of your driver's license as well as fines and costs ranging from $100 to $200.
Oklahoma, unfortunately, is not a no-fault state. Oklahoma is a tort (or "at-fault") state. This means that if a driver causes an accident, their insurance will cover the other motorist's medical claims costs. The available evidence is used by police and insurance companies to determine who is to blame for the accident.
In Oklahoma, personal injury protection (PIP) is not needed. In Oklahoma, PIP isn't even available. Instead of PIP insurance, Oklahoma insurance companies offer medical payments insurance (often known as MedPay) to cover hospital expenditures incurred due to an automobile accident.
Every driver in Oklahoma is required to have a certain amount of liability insurance. If you are caught driving without auto insurance, the state may provide you with a temporary policy. You might face up to $825 in fees, a license suspension, and possibly jail time if you don't acquire new insurance within ten days. The state may also impound your vehicle.
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