Cheapest and Best Non-Owner Car Insurance in Oklahoma (2024)

Enter your ZIP code to get started


Free. Simple. Secure.

Updated: May 20, 2024

Advertising & Editorial Disclosure

Non-owner car insurance provides liability coverage for individuals in Oklahoma who don't own a vehicle but drive frequently. It's beneficial for those who often borrow cars or want to avoid a gap in coverage. Non-owner car insurance can also help drivers with violations reinstate their suspended or revoked licenses.

State Farm stands out as the top choice for both the cheapest and best non-owner car insurance in Oklahoma, offering the best balance of affordability and quality service. It offers the lowest rates for drivers with clean records and those with offenses.

MoneyGeek Logo IconNon-OwnerCar InsuranceOklahoma

Why Trust MoneyGeek? MoneyGeek gathered data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) to study non-owner car insurance providers in Oklahoma.

200Plans Analyzed
5Providers Compared

Cheapest Non-Owner Car Insurance in Oklahoma

The following insurers offer the cheapest non-owner car insurance policies for Oklahoma drivers:

  • Drivers with clean records: State Farm ($27 per month)
  • Drivers with violations: State Farm ($31 per month)

It's important to note that having a driving offense on your record usually results in higher insurance rates. The cheapest rate for drivers with violations in Oklahoma is $4 higher than the cheapest option for those with a clean driving history.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Oklahoma

If you have a clean driving history in Oklahoma, you can find the most affordable non-owner car insurance from these providers:

While USAA offers cheaper non-owner car insurance at around $21 per month, it’s exclusively available to veterans, active military members and their families.

The cheapest average rate for non-owner car insurance in Oklahoma is $27 per month, which is much lower than the national average of $43 per month.

State FarmCheapest Annual Premium$329Cheapest Monthly Premium$27
ProgressiveCheapest Annual Premium$354Cheapest Monthly Premium$29
GEICOCheapest Annual Premium$389Cheapest Monthly Premium$32
FarmersCheapest Annual Premium$623Cheapest Monthly Premium$52
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

carInsurance icon

Non-owner car insurance in Oklahoma adheres to the same minimum coverage requirements as regular car insurance, which include the following limits:

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

These limits may satisfy the state’s legal requirements, but they may not provide sufficient coverage for all drivers. Be sure to carefully assess how much coverage you need before buying a policy.

Cheapest Non-Owner SR-22 Car Insurance in Oklahoma

For Oklahoma drivers with traffic violations, the most affordable non-owner car insurance options are:

Those with military backgrounds can also obtain affordable SR-22 insurance in Oklahoma from USAA at approximately $31 per month.

If you have a driving offense, such as a DUI or an at-fault accident, you may be required to file an SR-22, which can lead to increased insurance costs. The cheapest non-owner SR-22 insurance in Oklahoma is priced at $31 per month, which is $28 lower than the national average.

State FarmCheapest Annual Premium$368Cheapest Monthly Premium$31
GEICOCheapest Annual Premium$615Cheapest Monthly Premium$51
ProgressiveCheapest Annual Premium$637Cheapest Monthly Premium$53
FarmersCheapest Annual Premium$952Cheapest Monthly Premium$79
carAccident icon

SR-22 is not a type of insurance but a form filed by an insurer to prove that a driver has the insurance coverage required by the state. In most states, an SR-22 is required following severe violations such as a DUI.

Oklahoma does not require the filing of an SR-22, but drivers who commit offenses will still likely face higher rates for high-risk auto insurance.

What Is Non-Owner Car Insurance?

Non-owner car insurance in Oklahoma provides liability coverage for drivers who don’t own a car. It provides financial protection against third-party bodily injuries and property damage in case of an at-fault accident. However, it doesn’t cover your own injuries or damages to the vehicle you’re driving since it doesn't include comprehensive and collision coverage.

Generally, non-owner car insurance is beneficial for individuals who frequently drive rental cars, borrow vehicles from friends or want to maintain continuous coverage to avoid premium increases. The table below highlights the differences in coverage between non-owner and full coverage policies.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Oklahoma

In Oklahoma, the average cost of non-owner car insurance is $33 per month, which is lower than the national average cost of auto insurance of $43 per month.

While your location does influence your insurance rates, other factors such as age, driving history, coverage limits and vehicle type have a more significant impact on your premiums.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Oklahoma Average Cost

Monthly Premium

On average, non-owner car insurance in Oklahoma is:$10 saved

This is 23% less expensive.

Best Non-Owner Car Insurance in Oklahoma

Based on MoneyGeek's analysis, here are the top non-owner car insurance providers in Oklahoma:

  • State Farm: MoneyGeek score 70 out of 100 ($27 per month)
  • GEICO: MoneyGeek score 66 out of 100 ($32 per month)
  • Progressive: MoneyGeek score 64 out of 100 ($29 per month)

MoneyGeek ranks the best insurers based on factors such as affordability, J.D. Power customer satisfaction ratings and financial stability ratings from AM Best.

Our company overviews below can help you make an informed decision and find the best provider for your needs and budget.

MoneyGeek Top Pick
State Farm

State Farm has a high customer satisfaction rating and offers affordable rates for various driver profiles, including teenagers and those with a traffic violation on their record, making it our choice for the best non-owner car insurance provider in Oklahoma.

This insurer also offers several discount opportunities to further lower your premiums. These include commonly-offered discounts for bundling, safe driving, having an anti-theft system, insuring multiple vehicles and more. It also has driver’s education, good student and medical payments discounts.

Read the full State Farm car insurance review.


GEICO provides great customer service along with affordable rates. However, its claims management could be improved, and it offers fewer coverage options compared to other competitors in the market.

Nonetheless, GEICO stands out for its wide range of discounts, including discounts for installing safety features like airbags, anti-theft systems, anti-lock brakes and daytime running lights in your vehicle. Bundling GEICO insurance products and having a clean driving history can also earn you additional discounts.

Read the full GEICO car insurance review.

Third Place

Progressive receives fewer customer complaints than average, has a solid financial rating and offers most essential coverages, making it another great choice for non-owner car insurance in Oklahoma.

In terms of cost, Progressive is considered reasonably priced for most drivers, although it may be more expensive for young motorists. However, the company offers various discounts to make your auto policy more cost-effective. These include discounts for multiple cars, good students, bundling, safe driving, paying in full and opting for paperless options. Additionally, Progressive offers less common discounts for maintaining continuous coverage and obtaining online quotes.

Read the full Progressive car insurance review.

Should You Get Non-Owner Car Insurance in Oklahoma?

Non-owner car insurance is a suitable option for individuals who don’t own a vehicle but frequently drive rental cars, borrow vehicles or want continuous insurance coverage. The following types of drivers may benefit from a non-owner policy.

Who Should Consider Non-Owner Car Insurance?

    carColored icon

    Car borrowers

    Non-owner car insurance is a valuable option for frequent car borrowers, offering liability coverage for third-party bodily injuries and property damage if you get into an accident in the borrowed car. It's a more affordable alternative to a full coverage auto insurance policy.

    ignition icon

    Occasional renters

    For those who rent cars occasionally, non-owner car insurance offers liability coverage, providing financial protection in case of accidents or damages to others during the rental period.

    seatbelt icon

    Drivers between cars

    If you're currently between cars, non-owner car insurance can be useful to ensure that you maintain coverage until you get a new vehicle. Insurers typically charge higher rates for those with a gap in their coverage history, so non-owner car insurance will help you avoid higher premiums when you go back to a standard policy.

    driverLicense icon

    License reinstatement seekers

    Individuals seeking to reinstate their driver's license after a suspension or revocation may need non-owner car insurance. This coverage helps ensure that you meet the state’s insurance requirement, allowing you to regain your driving privileges.

insurance2 icon

Be careful if you find a provider offering "one-day insurance," as this isn't a legitimate insurance product available in Oklahoma and could be a scam. For short-term coverage needs, it’s best to purchase car insurance directly from the rental car company.

There are multiple options for obtaining temporary car insurance in Oklahoma, providing you with legitimate coverage when you need it.

Frequently Asked Questions About Non-Owner Car Insurance in Oklahoma

MoneyGeek responded to some commonly asked questions about non-owner car insurance in Oklahoma to help you find the right fit for your needs and budget.

Which company offers the cheapest non-owner car insurance in Oklahoma?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Oklahoma?
How much does non-owner car insurance cost in Oklahoma?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.