To identify the cheapest car insurance in Oklahoma, MoneyGeek obtained quotes from the biggest insurers in the state. For the average driver, GEICO offers the cheapest policy, and you can save as much as $1,407 yearly by comparing quotes.
The Cheapest Car Insurance in Oklahoma for 2022
For most drivers in Oklahoma, GEICO is the most affordable car insurance option but other factors like age, credit score, driving history, and coverage amount also impact car insurance rates.
For instance, if you have a DUI on your record, State Farm is the cheapest option in Oklahoma. USAA is also among the most affordable car insurance companies in Oklahoma, but it is only available to current and former members of the military and their families.
The Cheapest Car Insurance in Oklahoma
Cheapest Minimum Liability Car Insurance in Oklahoma
Oklahoma drivers looking for the cheapest car insurance can consider getting minimum liability coverage, which only meets the state requirements.
MoneyGeek evaluated car insurance companies in Oklahoma and found that the cheapest options for minimum coverage are:
- GEICO: $401 per year
- State Farm: $492 per year
If you or a family member is a current or former military member, you qualify for USAA coverage at an average annual rate of just $373. Based on average rates, MetLife offers the most expensive car insurance for minimum coverage at $852 per year.
Cheapest Minimum Car Insurance in Oklahoma
These prices are only estimates based on rates for an average Oklahoma driver and should not be used to compare insurance prices.
Cheapest Full Coverage Car Insurance in Oklahoma
A full coverage policy in Oklahoma is more expensive, but it comes with higher liability limits and comprehensive and collision insurance. This gives you protection against most road and off-road accidents. Additionally, it also covers damages to your vehicle. Compare rates from different car insurance companies to find the best deal.
Among car insurance companies in Oklahoma, the cheapest options for full coverage are:
- GEICO: $774 per year
- Farmers: $1,005 per year
If you're part of a military family, you can get coverage from USAA for the competitive rate of $827 per year on average. MetLife offers the most expensive car insurance for full coverage, with an average annual rate costing $2,181.
Cheapest Full Coverage Car Insurance in Oklahoma
These prices are based on a policy with comprehensive and collision insurance that allows you to claim up to $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident. Your individual premiums will be based on your circumstances and will be different than the examples given.
How to Compare Cheap Oklahoma Car Insurance Quotes Online
Most car insurance companies in Oklahoma allow drivers to get a reasonably accurate quote on their website.
- Determine the amount of coverage you will need before shopping. Then, if you ask one insurance provider for a quote for a policy with $300,000 in bodily liability insurance per accident, use the same number when you compare quotes with other insurers.
- You can use MoneyGeek’s car insurance calculator to get an average quote estimate for your car insurance without providing specific personal information. To get a personalized quote, you’ll have to enter more details or check MoneyGeek’s price data to figure out which insurer’s websites to shop on.
- Based on average rates in Oklahoma, the most affordable companies are GEICO and State Farm. You can begin your search for an insurance policy by getting personalized quotes from these companies.
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Cheapest Car Insurance for Drivers With a DUI in Oklahoma
If you have a serious violation in your driving history, such as a DUI, insurers will charge you higher rates. In Oklahoma, drivers with a DUI pay an average of $2,025 per year. Those who have clean records pay an average of $1,299 per year.
The car insurance companies offering the cheapest options for drivers with a DUI and full coverage in Oklahoma are:
- State Farm: $1,145 per year
- Farmers: $1,388 per year
In comparison, GEICO and USAA are the most affordable options for an Oklahoma driver with a clean driving history.
Average Car Insurance Rates With a DUI
Alcohol was involved in the deaths of 1,864 people in Oklahoma between 2009-2018, with the state showing higher rates of death by age and gender than the national averages. 1% of drivers in Oklahoma say they have driven after drinking too much within the previous 30 days.
The state takes driving under the influence seriously: those who receive a DUI charge face jail time, fines and license suspension. They also face increased car insurance quotes, as evidenced by the table above.
DUIs stay on driving records for ten years and incur additional penalties through the DMV’s points-based system. Avoiding getting a DUI is the best way to stay safe and find cheap auto insurance, so think twice before getting behind the wheel after drinking.
Cheapest Car Insurance in Oklahoma for Drivers With an At-Fault Accident
A driver in Oklahoma with an at-fault accident will pay an average of $1,762 yearly for car insurance. This rate is higher than what someone with a clean record will pay because driving history is an important rating factor in the cost of car insurance.
The most affordable car insurance for drivers with an at-fault accident in Oklahoma are:
- State Farm: $1,221 per year
- GEICO: $1,304 per year
USAA is the cheapest option in Oklahoma for drivers with an at-fault accident on their record at $1,185 yearly, but this policy is only available to military personnel and their families.
Cheapest Car Insurance With an At-Fault Accident
Cheapest Car Insurance for Drivers With Tickets in Oklahoma
Any violation, even minor ones like tickets, will increase car insurance rates in Oklahoma. For example, the average annual rate for drivers with a speeding ticket is $1,657. That is $358 more than the average rate for drivers with a clean record.
The cheapest car insurance companies for Oklahoma drivers with speeding tickets and full coverage are:
- GEICO: $969 per year
- State Farm: $1,145 per year
For those who qualify for USAA coverage, this company is the second cheapest, with an average annual rate of $1,028 for Oklahoma drivers with tickets.
Average Car Insurance Rates With a Ticket
Whether trying to send a quick text, locate a stick of gum, or pick a podcast, all of these activities can endanger you and others around you. Finding cheap car insurance with a ticket in Oklahoma can also be substantially more difficult. The table above looks at average costs for car insurance after getting pulled over.
The amount of time a ticket impacts your record depends on whether or not you receive other infringements and if you take a motor vehicle accident prevention course. Oklahoma uses a points-based system and allows drivers to remove two points per 24-month period by engaging in driver improvement or defense classes. Distracted driving can cost more than higher car insurance, so keep your eyes on the road.
Cheapest Car Insurance Companies in Oklahoma for Drivers With Bad Credit
In Oklahoma, drivers with lower credit scores tend to have higher car insurance rates. On average, a driver with bad credit in the state pays $2,165 annually. Those with healthy credit scores pay only $1,299 per year.
The cheapest car insurance companies for those with poor credit and full coverage in Oklahoma are:
- GEICO: $1,120 per year
- USAA: $1,423 per year (only for members of the military)
For people with military affiliation, USAA has a competitive rate averaging $1,423 per year for Oklahoma drivers with bad credit.
Average Car Insurance Rates for Drivers With Bad Credit
The nationwide average credit score for 2019 topped 703 according to Experian, while Oklahomans held an average score of 682. Finding cheap car insurance with bad credit can be challenging given that Oklahoma car insurance companies view these customers as a higher risk. Deferred and defaulted payments, derogatory marks and high levels of debt can all cause bad credit. Average auto insurance quotes for these drivers are reviewed in the above table.
Improving your credit score can be done and it is well worth your time. A higher credit score means lower insurance premiums, better interest rates and a greater chance of being able to own a home.
Cheapest Car Insurance in Oklahoma for Seniors
If you are a senior driver, insurance companies in Oklahoma may charge you more than young adults and middle-aged drivers. The average annual rate in the state for senior drivers with full coverage is $1,344, which is $45 more than the premium for an average driver.
If you are a senior driver in Oklahoma with a full coverage policy, your cheapest options are:
- State Farm: $1,027 per year
- GEICO: $1,061 per year
If you qualify for USAA coverage, this company has the lowest average annual rate for Oklahoma seniors at $898.
Average Car Insurance Rates for Seniors
Senior citizens were responsible for 13.4% of the state’s 926 fatal traffic crashes in 2017. While the majority of senior drivers exhibit great care and caution when driving, they are seen as a higher risk due to the higher percentage of accidents. Cheap car insurance for seniors in Oklahoma can be found, but remember to look for the type of insurance required for this stage of life. The table above looks at average quotes for those aged 65 and above.
According to AAA, senior citizens in Oklahoma must renew their licenses every four years at an in-person location. They must pass a vision exam during their initial renewal after turning 65, but not each time after.
Cheapest Car Insurance in Oklahoma for Young Drivers
Due to inexperience, young drivers are riskier to insure, so car insurance rates for students and young people in Oklahoma are typically quite high. In Oklahoma, the average cost of auto insurance for a 16-year-old driver is $2,500 per year, while the cost for a 25-year-old driver is $1,135 per year.
For most young people in Oklahoma between the ages of 16 to 25 years, GEICO is the cheapest car insurance company, although Allstate comes in cheaper for drivers aged 16-18.
Annual Car Insurance In Oklahoma for Young Drivers
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Teens in Oklahoma follow a graduated driver's license program designed to protect them while they learn to drive. You must hold parental or guardian approval and proof of insurance for your car to receive a learner's permit. According to the Oklahoma Department of Insurance, insurance companies may offer a lower rate for teen drivers if the owner agrees to a higher deductible. At the age of 18, drivers can apply for an unrestricted license that allows them to operate a car at any time.
Insurance Rate Information for Military Drivers and Veterans
Military families and veterans in Oklahoma need auto insurance to register their vehicles with the DMV. Just by being in the military or having served, you can get a military discount on car insurance in the state, either from one of the major insurance companies or a carrier focused just on serving the armed forces. AFI, USAA, State Farm and Geico offer military discounts on auto insurance and other policies, such as homeowner's insurance. Some carriers provide additional discounts for buying two or more policies for different insurance needs.
The nearly 60,000 active, reserve and civilian military personnel who are either residents of Oklahoma or stationed in the state are entitled to a reduced annual registration fee. Oklahoma offers an auto-renewal system for online registration of your vehicle. If you need to store a vehicle during deployment, ask potential carriers if you can suspend coverage and premium payments while your vehicle is not in use.
Average Rates for Oklahoma service members
Car Insurance in Oklahoma: What You Need to Know
All car and truck owners are required to carry at least the minimum liability coverage required by Oklahoma law. The only other option to insurance is posting a $75,000 bond per vehicle.
Proof of Insurance in Oklahoma
Oklahoma drivers must provide proof of insurance when registering a vehicle and at traffic stops. State law requires proof of insurance to include:
- Name and address of the insurance company
- The vehicle owner's name
- The vehicle's make, model, year and VIN (vehicle identification number)
- The policy's start and end dates
Minimum Liability Insurance Requirements in Oklahoma
Oklahoma residents must purchase at least these minimum levels of liability insurance before they can register a vehicle:
- $25,000 per person for injury
- $50,000 for all injuries
- $25,000 for property damage
Alternatives to Insurance in Oklahoma
Drivers who don't want to buy auto insurance can secure their financial responsibility with a $75,000 bond to the state DMV for each vehicle they register.
High-Risk Auto Insurance Program in Oklahoma
High-risk drivers who cannot get auto insurance or a bond can call the Oklahoma Automobile Insurance Plan for assistance at 866-667-2827 or 405-842-0844.
How Much Coverage Do You Need in Oklahoma?
Although Oklahoma requires minimum liability coverage, you may need to buy other insurance as well. Collision and comprehensive coverage, which cover your vehicle from a wide variety of risks, are typically required to lease a vehicle or secure a car loan. If you can afford it, experts say that it's best to buy liability insurance in the amounts of $100,000 per injury and $300,000 per accident. Considering the high rate of uninsured drivers in Oklahoma, you may want to get uninsured and underinsured motorist coverage as well, which would cover you if someone without insurance hits you.
Cheapest Car Insurance in Oklahoma by City
Car insurance rates in Oklahoma can change depending on where in the state you live. Areas with increased risk factors like high numbers of car accidents will typically have more expensive car insurance rates. Drivers in Tulsa pay slightly higher car insurance rates on average at $1,313 per year compared to drivers in Oklahoma City where the average rate is $1,285 yearly.
Click on your city to know more about car insurance costs in your area.
Average Insurance Rate by City in Oklahoma
FAQs About Car Insurance in Oklahoma
The most common questions that drivers are concerned about when it comes to auto insurance in Oklahoma center around the premium rate and how much coverage an individual should buy.
About the Author
- AAA. "Oklahoma Laws and Rules." Accessed January 21, 2021.
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed December 28, 2020.
- Defense Manpower Data Center. "Military and Civilian Personnel by Service/Agency by State/Country." Accessed March 16, 2020.
- Experian. "2019 Consumer Credit Review." Accessed March 16, 2020.
- National Association of Insurance Commissioners. "2018 Market Share Reports." Accessed March 16, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 16, 2020.
- Oklahoma Department of Public Safety. "Points System." Accessed March 16, 2020.