The Best Cheap Oklahoma Car Insurance
Updated
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Oklahoma auto insurance rates fall pretty close to the national average for most drivers. But savvy insurance shoppers can score a better deal by searching for the cheapest car insurance in Oklahoma. Here's a look at which insurers fit that bill for several common driver profiles.
A 35-year-old male driver with no accidents pays about $2,225 per year for Oklahoma auto insurance, while his female counterpart pays a little less at $2,143 per year. But both can save considerably by going with Geico. Its average annual premium is just $1,358 for male drivers and $1,345 for female drivers.
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These insurers are also among the best car insurance companies in Oklahoma:
Even a single accident raises the average Oklahoma auto insurance premium considerably. These drivers pay about $2,936 per year on average, though those who go with AFR Insurance only pay $1,522 per year.
Drivers with accident histories can also get cheap car insurance quotes in Oklahoma with these companies:
Speeding tickets also raise the typical Oklahoma car insurance premium. Drivers with one speeding ticket pay about $2,719 per year, but those who choose Geico can save about $700. It only charges these drivers about $2,005 per year.
Drivers with speeding tickets can also score low-cost car insurance with these companies:
Teen drivers pay above-average rates for their Oklahoma auto insurance. The average annual premium for an 18-year-old male with a clean record is $7,196 per year. But those who go with AFR Insurance will pay less than a third of that. Its average annual premium for these drivers is just $2,070.
Young drivers can also score cheap auto insurance in Oklahoma with these companies:
A 65-year-old driver pays about $1,953 per year on average for Oklahoma car insurance. But those who go with Geico only pay around $1,387 per year.
These companies also offer affordable car insurance in Oklahoma to seniors:
Oklahoma minimum car insurance costs about $547 per year on average. But those who choose Mercury Insurance get the same coverage for just $329 annually.
Drivers can also find cheap liability car insurance in Oklahoma with these companies:
Poor credit will raise an Oklahoma driver's insurance rates to about $3,625 per year on average. But those who choose AFR Insurance will only pay around $2,333 per year.
These companies also offer some of the best car insurance in Oklahoma to drivers with poor credit:
How much is car insurance in Oklahoma? That depends a lot on the driver, their vehicle, their address, and more. For most drivers, Oklahoma auto insurance premiums hang pretty close to the national average, though teen drivers can expect to pay more than average. Here's a look at how Oklahoma's average premiums stack up to the rest of the country for several of the driver profiles mentioned above.
| Average Rate Category | Oklahoma | National Average |
|---|---|---|
| Overall | $2,839 | $2,875 |
| Young drivers | $7,196 | $6,087 |
| 1 accident on driving record | $2,936 | $3,226 |
| 1 speeding ticket on driving record | $2,719 | $2,840 |
All drivers should familiarize themselves with these Oklahoma car insurance laws:
Like most of the country, Oklahoma is an at-fault auto insurance state. This means that in an accident involving two or more vehicles, the driver found to be at fault must pay for the medical bills for all parties involved. This is different from no-fault states where each driver bills their own insurer for medical costs, unless the damages are substantial.
Skipping Oklahoma minimum car insurance could result in the following penalties:
All Oklahoma drivers must have at least the following coverage:
Drivers must carry at least:
In addition, drivers need at least $25,000 of property damage liability coverage.
Drivers looking for cheap car insurance in Oklahoma should try the following:
Here are a few other things drivers ought to keep in mind when shopping for Oklahoma auto insurance:
In 2020, Tulsa saw over 5,500 auto thefts, according to the Insurance Information Institute. That earns it a place among the top 10 hotbeds for auto theft in the U.S. Drivers who live here can take steps to protect their vehicle from theft by storing it in a garage or installing an anti-theft device, but they should also invest in comprehensive coverage. This pays to repair or replace the policyholder's vehicle if it's stolen, vandalized, or damaged by bad weather or a run-in with an animal.
Oklahoma state minimum coverage is all a driver needs to drive legally, but it's not always enough to cover the full cost of an accident. If the damages exceed the policyholder's limits, they'll have to pay for the remainder out of their own pocket. This can get expensive quickly. That's why it's always a good idea to purchase more than the state minimum coverage whenever possible.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
