Oklahoma Auto Insurance (2023)
The company offering the cheapest Oklahoma auto insurance depends on driver history, area, and similar factors, so it’s crucial to compare rates.
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UPDATED: Jan 12, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- All drivers in Oklahoma must carry bodily injury and property damage liability insurance
- Severe driver infractions make it harder to get cheap auto insurance
- Drivers should compare multiple companies’ rates to ensure they get the best deal
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.
Table of Contents
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.
Insurance Company | Average Minimum Coverage Rates | |
---|---|---|
Allstate | $61 | |
American Family | $44 | |
Farmers | $53 | |
Geico | $31 | |
Liberty Mutual | $68 | |
Nationwide | $44 | |
Progressive | $39 | |
State Farm | $33 | |
Travelers | $37 | |
Average | $45 | |
Get Your Rates Quote Now |
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.
Insurance Company | Average Full Coverage Rates |
---|---|
Allstate | $160 |
American Family | $117 |
Farmers | $139 |
Geico | $80 |
Liberty Mutual | $173 |
Nationwide | $115 |
Progressive | $105 |
State Farm | $86 |
Travelers | $99 |
Average | $120 |
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.
Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
---|---|---|---|
American Family | $203 | $136 | $116 |
Average | $226 | $148 | $123 |
Farmers | $269 | $161 | $140 |
Geico | $148 | $100 | $82 |
Liberty Mutual | $355 | $226 | $177 |
Nationwide | $166 | $133 | $120 |
Progressive | $206 | $138 | $109 |
State Farm | $200 | $118 | $91 |
Travelers | $194 | $128 | $107 |
USAA | $129 | $76 | $63 |
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.
Insurance Company | Rates with an Accident | Rates with a Clean Record | ||
---|---|---|---|---|
Allstate | $225 | $160 | ||
American Family | $176 | $117 | ||
Average | $172 | $120 | ||
Farmers | $198 | $139 | ||
Geico | $132 | $80 | ||
Liberty Mutual | $234 | $173 | ||
Nationwide | $161 | $115 | ||
Progressive | $186 | $105 | ||
State Farm | $102 | $86 | ||
Travelers | $139 | $99 | ||
Get Your Rates Quote Now |
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.
Insurance Company | Rates with a DUI | Rates with a Clean Record | ||
---|---|---|---|---|
State Farm | $112 | $86 | ||
Progressive | $140 | $105 | ||
Farmers | $192 | $139 | ||
American Family | $194 | $117 | ||
Travelers | $206 | $99 | ||
Geico | $216 | $80 | ||
Nationwide | $234 | $115 | ||
Allstate | $270 | $160 | ||
Liberty Mutual | $313 | $173 | ||
Average | $209 | $120 | ||
Get Your Rates Quote Now |
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.
Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
---|---|---|---|---|
Allstate | $638 | $608 | $519 | $448 |
American Family | $480 | $390 | $390 | $288 |
Farmers | $742 | $778 | $603 | $573 |
Geico | $312 | $298 | $254 | $220 |
Liberty Mutual | $778 | $716 | $633 | $528 |
Nationwide | $476 | $411 | $387 | $303 |
Progressive | $814 | $801 | $662 | $591 |
State Farm | $349 | $311 | $284 | $229 |
Travelers | $897 | $709 | $729 | $523 |
Average | $610 | $558 | $496 | $411 |
Get Your Rates Quote Now |
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.
Frequently Asked Questions
Which company has the cheapest car insurance in Oklahoma?
USAA has some of the cheapest car insurance rates in Oklahoma. However, it’s only available to active duty, veterans, and their families, so if you don’t qualify, your next affordable options are likely State Farm and GEICO.
Why is Oklahoma insurance expensive?
Oklahoma has some of the most uninsured drivers in the U.S., making it riskier for insurers to cover drivers since companies may have to pay out claims after accidents.
How much is Oklahoma car insurance per month?
Your Oklahoma car insurance rates depend on your driving record, company, and more. However, expect full coverage to cost $100 monthly for most drivers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.