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Why Compare Car Insurance Rates in Oklahoma:

  • On average, people who compare rates save about $970 a year on car insurance
  • Way.com is an insurance power broker agency with over 200+ partners
  • We don’t sell your information to spammers.

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.


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Minimum Required Auto Insurance Coverage in Oklahoma

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

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Cheapest Car Insurance in Oklahoma for Minimum Required Coverage

Low-cost auto insurance meets Oklahoma's minimal liability coverage requirements and is often less expensive than high-cost insurance. USAA and THE GENERAL are the least priced carriers for minimum coverage, just as they are for high coverage insurance. Shelter Insurance Group has the highest rate in this category, even higher than Shelter Insurance Group's rates for medium- and high-coverage insurance kinds.

COMPANY AVERAGE ANNUAL RATE
USAA $921
The General $998
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

Do I Need More Than the Minimum Required State Coverage in Oklahoma?

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.

Oklahoma Car Insurance Laws

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.

PIP laws in Oklahoma

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.

Auto Insurance Coverage Types

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.

Proof of Auto Insurance in Oklahoma

If you're caught driving without sufficient insurance, you'll face the following penalties:

  • A $250 fine is possible.
  • Prison sentences of up to 30 days are possible.
  • License plate seizure

Drivers must get insurance and pay a $125 administrative fee to recover their driving privileges.

Average Cost of Auto Insurance Companies in Oklahoma

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.

Cheapest Car Insurance Quotes For Oklahoma Drivers

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, followed by THE GENERAL. Oklahoma Farm Bureau is the most expensive insurer for those with a clean driving record.

COMPANY AVERAGE ANNUAL RATE
USAA $974
The General $1,079
State Farm $1,249
Progressive $1,373
Farmers Insurance $1,418
Statewide Average $1,450
Allstate $1,490
Shelter Insurance Group $1,929
Oklahoma Farm Bureau $2,085

Cheap car insurance in Oklahoma for young Oklahoma drivers

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 Progressive has the highest average premium. However, your rates may vary depending on other criteria.

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $4,657 $5,432
Farmers Insurance $6,381 $6,900
The General $3,710 $3,850
Oklahoma Farm Bureau $4,248 $6,484
Progressive $8,467 $9,477
Shelter Insurance Group $4,373 $5,632
State Farm $2,865 $3,614
USAA $3,110 $3,321
Statewide Average $4,727 $5,589

Cheap car insurance for Oklahoma drivers with a speeding ticket

Oklahoma insurance rates begin to rise after one speeding violation. After a ticket, USAA may be the cheapest option for auto insurance, followed by State Farm, and MetLife offers the most expensive insurance for this category.

COMPANY AVERAGE ANNUAL RATE
USAA $1,220
State Farm $1,329
The General $1,493
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
MetLife $3,066

Cheap auto insurance for Oklahoma drivers after a car accident

After a single collision, a 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
The General $1,797
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

Cheap car insurance quotes for Oklahoma drivers with a DUI

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
The General $1,985
Statewide Average $2,125
Shelter Insurance Group $3,163
Oklahoma Farm Bureau $3,268
MetLife $4,695

Cheap car insurance for married Oklahoma drivers

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

Cheap full coverage car insurance quotes for young drivers with an accident history

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
The General $3,149
Progressive $3,377
Farmers $3,437
Shelter $3,461
USAA $1,301

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Compare car insurance rates in top Cities

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.

CityAnnual 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

Cheap auto insurance in Oklahoma with bad credit

Company Avg. Annual Premium
The General $2,209
USAA $2,307
Farmers $2,790
Shelter $2,842
Progressive $3,566
Allstate $3,575
State Farm $7,467

Oklahoma auto insurance rate by violation

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

Car insurance price trends in Oklahoma

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

How to find the best car insurance in Oklahoma

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.

  • Assess the requirements: When you're ready to shop for an Oklahoma insurance company, compare rates for the make and model of car, you choose to buy. To compare rates, contact as many insurance firms as possible. Consider raising the deductibles to lower your premium and save money. Consider dropping high-cost coverages like comprehensive and crash if you have an older car.
  • Consider the following state variables: Oklahoma is regarded as a culpable state. This ensures that the insurer of the driver who causes the accident is required to cover all crash costs incurred by the other driver. To decide who is at fault, drivers must obtain a police report and photographs of the crash and file a claim with insurance agencies, who will investigate the car damages.

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.

How to Get Discounts on Car 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.

Auto Insurance Data Methodology

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

Oklahoma Car Insurance FAQ's

Who has the cheapest car insurance in Oklahoma?

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.

Why is Oklahoma car insurance so expensive?

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.

How much is car insurance in Oklahoma per month?

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.

How much is auto insurance in Oklahoma?

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.

Is car insurance mandatory in Oklahoma?

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.

What is the state minimum car insurance in Oklahoma?

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.

What happens if you drive without insurance in Oklahoma?

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.

Is Oklahoma a no fault state?

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.

Is Oklahoma a PIP state?

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.

How much is a ticket for no insurance in Oklahoma?

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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