Temporary Car Insurance in Oklahoma: The Cheapest Options and What You Need to Know

In Oklahoma, major companies don’t offer auto insurance policies that last a few weeks or months. Generally, the shortest term available is six months. MoneyGeek breaks down ways to get temporary car insurance in Oklahoma based on needs ranging from car owners only looking for short-term coverage to drivers temporarily without cars.

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Last Updated: 1/27/2022
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You can create a form of temporary car insurance by buying a policy and canceling it before six months are up. Assuming you get a full refund, a three-month car insurance policy in Oklahoma costs an average of $325.

If you don’t own a car or are only visiting the state, rental car insurance may be the best option for you. MoneyGeek also researched options for temporary car insurance in Oklahoma for different scenarios, such as non-owner insurance for license reinstatement and rideshare drivers.

Can You Get Temporary Car Insurance in Oklahoma

In Oklahoma and elsewhere, there are many ways to get temporary car insurance, but the term temporary car insurance can have different meanings depending on your situation. Those who own cars should look into buying full policies temporarily and canceling for a full refund, while drivers who plan to rent a car should buy rental car insurance or non-owner car insurance.

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HOW TO FIND TEMPORARY CAR INSURANCE IN OKLAHOMA TO FIT YOUR NEEDS

There’s no one-size-fits-all solution to finding temporary car insurance in Oklahoma, but MoneyGeek looked into all available options to get short-term car insurance.

Buying a Six-Month Oklahoma Insurance Policy and Canceling It Early

In Oklahoma and elsewhere, reputable car insurance companies only sell policies with a term of at least six months. The average cost of a six-month policy in the state is $649. If you want to get coverage for shorter time periods, you can do so by canceling your policy early since most major insurance providers give refunds for the premium paid for the remainder of the term. For instance, if you get 90-day insurance in Oklahoma, you’ll only be paying for half as much as the six-month policy. Your average rate will be $325.

If you use this strategy, MoneyGeek advises against having an insurance lapse. A lapse in coverage can result in more expensive car insurance premiums later on.

Cheap Temporary Car Insurance in Oklahoma

MoneyGeek calculated the cost of car insurance by company for a six-month policy for the average Oklahoma driver. Additionally, costs were analyzed for a 90-day and 30-day policy.

The companies offering the most affordable car insurance in Oklahoma for the average driver looking for a 90-day policy are:

  • GEICO: $193 per 90 days
  • Farmers: $251 per 90 days

For this analysis, MoneyGeek used average costs excluding cancellation fees. Most major insurance companies don’t charge cancellation fees and provide full refunds of premiums for the months the policyholder doesn’t use.

Annual Cost of Car Insurance in Oklahoma by Policy Length

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Altering Oklahoma Car Insurance Temporarily Depending on Your Needs

If you need to temporarily add or remove coverage but you already have an auto insurance policy, the best solution is for you to make alterations to your existing policy.

Some of the most common questions drivers have about temporary car insurance in Oklahoma include getting short-term coverage for a teenager going to college, for a vehicle in storage and for someone borrowing your car.

When You Should Alter Your Policy Temporarily

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If your child is going to school somewhere else in Oklahoma, you can temporarily remove them from your car insurance policy or ask for a discount.

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If you’re putting your car in storage, it may make sense to remove everything except for your comprehensive coverage. If you’re military, consider USAA’s vehicle storage discounts.

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If someone else drives your car, only include them in your policy if they use the vehicle regularly.

Cheap Temporary Car Insurance for Students in Oklahoma

If your child lives with you, you’ll have to add them to your car insurance policy. That additional coverage can be expensive. Based on MoneyGeek’s study, adding an 18-year-old to a car insurance policy in Oklahoma costs an average of $2,050 annually.

To adjust car insurance costs in Oklahoma if you have a student, you can take them off your policy for part of the year if they study and live more than 100 miles away. You can also take advantage of distant student discounts or keep your child on the policy.

If you only have your student home for two months during summer and have them on your policy during that time only, the cost is roughly $342. That’s a difference of around $1,708 from the annual cost.

State Farm offers the biggest savings for temporarily taking a student off your policy at roughly $1,990 per year.

Annual Cost of Adding an 18-Year-Old to Car Insurance in Oklahoma

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  • Company
    Adding 18-year-old for two out of 12 months
    Adding an 18-year-old for the full year
    Difference
  • $1,774
    $296
    -$1,478
  • $2,016
    $336
    -$1,680
  • $2,093
    $349
    -$1,744
  • $2,388
    $398
    -$1,990
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WHAT IF I CAN’T GET A DISCOUNT?

If your child lives close enough that you can’t temporarily take them off your policy or get discounts, you can save money by shopping around. MoneyGeek evaluated cheap insurance companies for teens to help you find the most affordable options.

What to Do About Car Insurance if You’re Storing Your Car in Oklahoma

If you plan on temporarily putting your car in storage, there are two ways for you to save money. You can switch your car insurance policy to comprehensive-only or seek a vehicle storage discount.

Switching to comprehensive-only coverage can help you save money while your vehicle is in storage by removing liability insurance coverage. In Oklahoma, the average cost of comprehensive and collision insurance with a $1,000 deductible is $412 per year. In comparison, a policy with comprehensive and collision coverage and minimum liability insurance costs an average of $880 annually.

If you’re an active-duty military member, consider a policy from USAA. The insurance company offers a vehicle storage discount and has a relatively cheaper premium even before the discount at around $827 per year.

What to Do If You Let Someone Else Drive Your Car

If another person in your household drives your car, you’ll have to include them in your auto insurance policy. However, if you give someone from outside your household permission to drive your car, you don’t have to adjust your policy because they’ll be covered.

Buying Rental Car Insurance in Oklahoma

Car rental companies typically offer car insurance. If you’re only temporarily renting a vehicle in Oklahoma, there’s no need for you to purchase a car insurance policy. Almost all rental companies offer basic liability insurance, but you can opt to add collision damage waivers, supplemental liability insurance and personal accident insurance. On average, adding all these coverages will cost $47 to $58 per day. That said, you can mix and match for a cheaper coverage suitable for your needs.

Finding Cheap Rental Car Insurance in Oklahoma

The cost of rental car insurance in Oklahoma City ranges from $47–$58 per day depending on the company. On average, daily rental car insurance with collision damage waivers, supplemental liability insurance and personal accident insurance costs $47 from Enterprise, $57 from Avis and $58 from Hertz. If you have a car insurance policy in Oklahoma, you may not need to purchase these coverages as your own coverage may already be sufficient. You should also check if your credit card company provides collision damage waiver coverage for rental cars, as this can help you save on your rental car insurance bill.

Cost per Day of Rental Car Insurance in Oklahoma

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  • Rental Company
    Total Insurance Cost
    Supplemental Liability Cost
    Collision Damage Waiver Cost
    Personal Accident Insurance Cost
  • Enterprise
    $47
    $13
    $28
    $6
  • Avis
    $57
    $16
    $31
    $10
  • Hertz
    $58
    $17
    $34
    $7

Buying Non-Owner Car Insurance in Oklahoma

If you need proof of insurance but you don’t have a car, then non-owner car insurance may be best for you. In Oklahoma, non-owner car insurance costs an average of $445 per year. Non-owner car insurance is the most affordable option for drivers who drive regularly and need coverage but don’t own a car.

How to Get Temporary Rideshare Car Insurance for Rideshare in Oklahoma

If you’re working for a rideshare company in Oklahoma, you’re probably aware that you have insurance coverage when you’re accepting fares or transporting a passenger. However, you have a temporary gap in coverage when you’re not doing either. To address this, you can buy rideshare insurance. That said, rideshare insurance policies are not available in all states. MoneyGeek compared companies offering this policy to help you find the best rideshare insurance options in Oklahoma.

Frequently Asked Questions About Temporary Car Insurance in Oklahoma

Learning how to get temporary car insurance in Oklahoma can be a bit overwhelming, especially for drivers who haven’t done it before. MoneyGeek answers some commonly asked questions to help you better understand your options.

Methodology

Car insurance and non-owner car insurance quotes were collected in collaboration with Quadrant Information Services across Oklahoma. Policies were for a 40-year-old driver and full coverage as described on our methodology page. Costs for a student driver reflect the average cost of adding an 18-year-old driver to a policy.

Numbers representing the cost of one-month and three-month policies were calculated by MoneyGeek on a prorated basis, assuming a full refund from the insurance company.

Rental car insurance costs in Oklahoma were collected manually by MoneyGeek using the online tools of Avis, Enterprise and Hertz in one city.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.