Non-Owner Car Insurance in Oklahoma: The Cheapest Options and What You Need to Know

Drivers pay an average annual rate of $445 for non-owner car insurance in Oklahoma. MoneyGeek determined that GEICO is the cheapest insurer in the state, costing an average of $192 per year. Our guide provides more details if you want to learn about how non-owner car insurance works in Oklahoma.

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Last Updated: 8/16/2022

If you regularly drive rented vehicles or use car-sharing services, purchasing non-owner car insurance in Oklahoma is an ideal option for you. A non-owner car insurance policy is also an affordable option if you need to show proof of insurance to reinstate your license.

Your driving record affects your non-owner car insurance premiums in Oklahoma. On average, drivers with clean records pay an average of $445 per year, but drivers with a DUI pay an average of $732 annually for the same policy.

This guide explains when you should and shouldn’t purchase non-owner car insurance in Oklahoma. It also evaluates costs from different car insurers across the state.

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Cheapest Non-Owner Car Insurance Companies in Oklahoma

Compared to a traditional car insurance policy, non-owner car insurance in Oklahoma is cheaper. However, comparing quotes from different insurers could help you save more.

Among the car insurance providers in Oklahoma, MoneyGeek’s research reveals that, on average, these companies have the cheapest non-owner car insurance:

  • GEICO: $192 per year
  • State Farm: $379 per year

USAA is the second most affordable insurer in Oklahoma and costs an average of $242 annually. However, these policies are only available for military members and their families.

MetLife’s non-owner car insurance policy is the most expensive in Oklahoma. It costs an average of $893 annually.

The rates in this guide are for a 40-year-old driver in Oklahoma with non-owner car insurance with limits stated in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Oklahoma

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $192
    $16
  • USAA
    $242
    $20
  • State Farm
    $379
    $32
  • Progressive
    $431
    $36
  • Farmers
    $536
    $45
  • MetLife
    $893
    $74
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How Much Is Non-Owner Car Insurance in Oklahoma?

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The average cost of non-owner car insurance in Oklahoma is $445 per year. It’s $244 cheaper than a traditional auto insurance policy, which costs an average of $689 annually.

However, your rates can go up if you have a significant violation like a DUI on your driving record.

A standard car insurance policy costs $1,072 per year on average for drivers with a DUI, while non-owner car insurance in Oklahoma is cheaper at $732 per year on average.

Cheapest DUI Non-Owner Car Insurance Companies in Oklahoma

If you have a history of serious driving violations and need coverage but don’t own a car, non-owner car insurance may be the most affordable option.

For drivers with a DUI, MoneyGeek determined that, on average, the cheapest non-owner car insurance policies in Oklahoma are offered by:

  • GEICO: $336 per year
  • State Farm: $379 per year

MetLife has the most expensive non-owner car insurance policy for drivers with a DUI in Oklahoma. These policies cost an average of $1,998 per year.

Cheapest DUI Non-Owner Car Insurance Companies in Oklahoma

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $336
    $28
  • State Farm
    $379
    $32
  • USAA
    $395
    $33
  • Progressive
    $546
    $46
  • Farmers
    $740
    $62
  • MetLife
    $1,998
    $167
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Oklahoma?

Oklahoma drivers who don’t own a car but need protection may consider getting non-owner car insurance, also called non-owner liability insurance. This insurance policy includes liability coverage and other coverages required by the state. You may also want to add uninsured or underinsured insurance to your policy for additional protection. However, non-owner car insurance does not include comprehensive and collision coverage, also known as full coverage.

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In Oklahoma, a non-owner car insurance policy needs to meet the minimum coverage requirements of the state, including:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

Who Should Get Non-Owner Car Insurance in Oklahoma?

These are the types of drivers who could benefit from non-owner car insurance in Oklahoma:

  • Those who frequently rent cars or use car-sharing services. Compared to a standard car insurance policy or insurance from a rental car company, non-driver car insurance is cheaper. This makes it a great option for people in Oklahoma who rent or use car-sharing services regularly.
  • Those who need to get their license reinstated. In Oklahoma, committing a serious driving violation such as a DUI can result in the revocation of your driver’s license. You need to show proof of insurance to have it reinstated. Purchasing non-owner car insurance in Oklahoma is ideal to meet this requirement since it’s cheaper than a traditional car insurance policy.
  • Those who want to maintain insurance coverage to avoid a lapse even if they currently don’t have a car. If you have an insurance lapse in Oklahoma, car insurance companies see you as a high-risk driver and set a higher car insurance premium as a result. If you currently don’t have a car but want to maintain insurance coverage, your cheapest option is non-owner car insurance.

Who Shouldn’t Get Non-Owner Car Insurance in Oklahoma?

Non-owner car insurance is not for everyone. For example, if you live in Oklahoma City and borrow your friend’s car, their personal car insurance policy covers you as long as you have their permission to drive.

Drivers who only rent cars occasionally also don’t need non-owner car insurance in Oklahoma. If you only use a rental car for travel outside of Oklahoma once or twice each year, buying insurance from the car rental company is sufficient and more budget-friendly.

How to Get Non-Owner Car Insurance in Oklahoma

MoneyGeek confirmed that all the insurers in this guide offer non-owner car insurance in Oklahoma. Since quotes are not available online, the best way to get one is to call the insurers directly using the phone numbers listed below.

Contact Non-Owner Car Insurance Companies in Oklahoma
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335
  • MetLife
    800-422-4272

Frequently Asked Questions About Oklahoma Non-Owner Car Insurance

Non-owner car insurance is entirely different from a traditional car insurance policy, but some drivers have difficulty differentiating the two. Here are some commonly asked questions about non-owner car insurance to help you better understand these policies.

Methodology

MoneyGeek, in collaboration with Quadrant Information Services, gathered non-owner car insurance quotes from various providers in Oklahoma. The policies listed are for a 40-year-old driver with either a clean driving record or a DUI. These policies met Oklahoma’s minimum car insurance requirements, except for liability insurance policies, which have the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for traditional car insurance have the same limits.