Oklahoma Auto Insurance (2023)

Average Oklahoma car insurance rates are slightly above the national average, making it harder to find cheap auto insurance. However, drivers can still find cheap Oklahoma car insurance by comparing companies and maintaining a clean driving record.

Read on to learn more about finding cheap car insurance in OK, from the cheapest minimum liability insurance rates to how DUIs affect rates.

Cheap Car Insurance in Oklahoma 

Numerous factors affect your auto insurance rates, from driving record to location. However, comparing company rates based on major factors can help you find lower rates. We’ve outlined some of the factors and resulting company rates below.

Cheapest Minimum Liability Insurance 

Minimum liability auto insurance is the cheapest option for drivers. However, drivers should only carry the minimum amount if they can afford the financial costs of their own accident bills and other drivers’ bills exceeding the minimum insurance limits. 

The cost of minimum liability insurance varies greatly by company, as shown in the average rates below.

According to our USAA auto insurance review and our Geico auto insurance review, these two are some of the cheapest companies in Oklahoma for minimum liability insurance, costing hundreds of dollars less than companies like Progressive and Allstate.

Cheapest Full Coverage Insurance 

Full coverage auto insurance is more expensive, but you can reduce costs by comparing companies’ rates. Full coverage also better protects you from expensive bills after an accident, so it’s usually well worth the extra money for full coverage.

USAA, Geico, and State Farm cost $1,000 less on average than companies like Allstate, showing the importance of shopping for car insurance.

Cheapest Insurance for Bad Credit 

Most insurers charge drivers with bad credit more than those with good credit. Insurance companies view bad credit drivers as higher risk, meaning they’re more likely to miss payments and drive without insurance after it gets canceled for non-payment. Managing your auto insurance policy includes keeping up on payments.

Car insurance rates can increase drastically when drivers have poor credit scores. USAA and State Farm are still some of the cheapest auto insurance companies for drivers with bad credit, whereas Allstate is one of the most expensive, by over $1,000.

Cheapest Insurance for At-Fault Accidents 

An at-fault accident results in higher rates since insurers see you as a high-risk driver. However, the amount of your rate increase depends on your company.

As you can see from the average rates above, you could save hundreds of dollars by switching to a different company. Also, some companies may not raise rates after your first at-fault accident if the company offers accident forgiveness.

Cheapest Insurance for DUIs 

Similar to at-fault accidents, DUIs raise your insurance rates significantly. Rates can increase by over $1,000 after a DUI at some companies.

While Geico is one of the cheapest insurers for drivers without major infractions, it’s one of the priciest companies offering auto insurance for drivers with a DUI. So if you get a DUI — even with a cheaper company — make sure another company doesn’t have better rates.

Cheapest Insurance for Young Drivers 

Young drivers often pay the most expensive rates for car insurance, as their driving inexperience makes them high risk. It’s cheapest for young drivers to join their parent’s policy. But if young drivers need their own policy, it’s vital to compare rates to find the best auto insurance for teens.

Progressive’s average rates for young drivers are well over $7,000, whereas companies like USAA and Geico cost several thousand dollars less than Progressive.

Cheapest Cities for Insurance 

Area factors like crime, crash statistics, and weather can impact car insurance rates. Tulsa is one of the more expensive cities for car insurance in Oklahoma. But the average rates in Tulsa are only a few hundred dollars more than one of the cheapest cities in Oklahoma, which isn’t bad. However, comparing rates can help you find cheap auto insurance in Tulsa, OK.

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Oklahoma Auto Insurance Laws

Every state’s auto insurance requirements and laws differ from others, affecting insurance prices. For example, if you live in a state with heavier DUI penalties or higher minimum insurance limits, you’ll pay more than in a state with less stringent requirements.

Minimum Insurance Required 

To drive legally in Oklahoma, all drivers must carry bodily injury liability insurance and property damage liability insurance in the following amounts:

• Bodily injury: $25,000 per person and $50,000 per accident 
• Property damage: $25,000 per accident 

Drivers should carry higher liability amounts if they can afford it. For example, if you total someone else’s car worth more than $25,000, minimum liability amounts won’t fully cover the bill.

Optional Insurance Coverages

If you have a car lease or loan, your lender will require you to carry comprehensive and collision insurance. However, the state of Oklahoma only requires liability insurance, meaning the following coverages are optional for Oklahoma drivers:

• Comprehensive
• Collision insurance
• GAP insurance
• Modified car insurance
• Non-owner car insurance
• Rental car reimbursement
• Roadside assistance 
• Uninsured motorist insurance 
• Underinsured motorist insurance 
• Umbrella insurance

Most drivers should consider comprehensive and collision coverages because they pay for repairs to drivers’ cars in accidents they cause or accidents outside of their control, like deer collisions.

DUI Penalties 

DUIs in Oklahoma can result in several penalties beyond just increased insurance rates. Some of the consequences you might face include:

• Fines and fees
• Ignition interlock device
• Jail time 
• Probation 
• Suspended driver’s license 
• Substance abuse treatment 
• SR-22 certificate 

The penalties for a first-time DUI are lighter than subsequent DUIs. For example, you may not get jail time on your first DUI offense, and you’ll have lower fines and fees.

Check out our report on drunk driving rates by state to see how Oklahoma compares.

SR-22 Insurance 

Drivers caught driving without insurance, with expired licenses, or impaired may have to get an SR-22 certificate. The certificate shows the state of Oklahoma that the driver is carrying the required insurance amounts.

If you already have an insurance company, you can reach out and tell them you need SR-22 insurance. If you don’t have an insurance company, you may have to pay an extra filing fee when signing up, and some insurers may refuse to sell to you.

If you don’t have a car or an insurance policy, you may wonder if you’ll need to carry an SR-22 certificate. The answer is yes — you’ll still need to apply. You must purchase non-owner car insurance to qualify for the SR-22 certificate.

The Final Word on Cheap Oklahoma Car Insurance 

Where can you compare auto insurance rates? Drivers can find cheap car insurance in Oklahoma if they compare companies and rates based on their personal driving factors. While insurance may not be as cheap as in other areas, drivers can usually find cheaper insurance rates by shopping around.

Use our free quote comparison tool to compare the best and cheapest Oklahoma insurance rates in your area today, whether you’re shopping for the best insurance in Tulsa or Norman.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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