Finding Cheap Car Insurance In Oklahoma
Shopping around to find cheap car insurance in Oklahoma shouldn’t be a huge project. We evaluated insurers in Oklahoma to find the lowest rates.
Featured Car Insurance Partners
1
Geico
Good
C-
Low
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Cheap Oklahoma Car Insurance for Good Drivers
USAA and Oklahoma Farmers Union are the cheapest Oklahoma car insurance companies for good drivers, among the companies we analyzed.
Cheap Car Insurance in Oklahoma for Drivers With a Speeding Ticket
A speeding ticket increases car insurance rates by 21% in Oklahoma. The exact rate increase will vary by insurance company. Even though you’ll see higher insurance rates, you can still compare quotes for the best car insurance.
USAA and State Farm have the best average rates for drivers with a speeding ticket in Oklahoma, so make sure to get quotes from those companies if you’re shopping for Oklahoma car insurance and have a speeding ticket on your record.
Cheap Oklahoma Car Insurance for Drivers Who Caused an Accident with Injury
Causing a car crash with an injury to someone else will make it difficult to find cheap car insurance. Our analysis found an average increase of 35% in Oklahoma compared to drivers with a good driving record.
If you cause an accident with an injury, Oklahoma Farmers Union and USAA may have the most competitive costs among the insurers in our analysis.
Cheap Oklahoma Car Insurance for Drivers With a DUI
Car insurance costs in Oklahoma go up an average of 60% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.
The cheapest Oklahoma car insurance companies for drivers with a DUI are Progressive and USAA, among the insurers we analyzed.
Cheap Oklahoma Car Insurance for Drivers With Poor Credit
Oklahoma auto insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 44% more for car insurance in Oklahoma.
Progressive and USAA may be good choices if you’re looking for cheap Oklahoma auto insurance and you have poor credit.
Cheap Oklahoma Car Insurance for Adding a Teen Driver
Adding a teen to your car insurance policy increases rates by an average of 65% in Oklahoma, compared to rates for a married couple without a teen driver.
Consider getting quotes from Progressive and Oklahoma Farmers Union if you’re looking for cheap car insurance for teens in Oklahoma.
Cheap Oklahoma Car Insurance for Young Drivers Ages 18 to 25
Getting your own car insurance is an expensive entry into adulthood. Our analysis found that USAA and American Farmers & Ranchers offer the cheapest Oklahoma car insurance for young drivers.
Cheap Oklahoma Car Insurance for Senior Drivers Ages 60-80
USAA and State Farm offer the best car insurance for seniors who are looking for low costs in Oklahoma. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Accident Prevention Course Discount in Oklahoma
Oklahoma car insurance companies must offer a discount to drivers who complete an approved accident prevention course with at least six hours of instruction. The discount lasts three years and is renewable.
Insurance companies usually offer even more car insurance discounts, including discounts for bundling auto and home insurance and insuring multiple vehicles. Make sure to ask about discounts when shopping for Oklahoma car insurance so you maximize savings.
Least Expensive Vehicles for Insurance in Oklahoma
In Oklahoma, the Jeep Wrangler JL Sport, Honda CR-V LX and Hyundai Tucson SE are among the least expensive cars for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive vehicles for car insurance are below.
The most expensive vehicles for insurance in Oklahoma among popular cars are the Tesla Model S Performance ($3,701 per year) and Lexus ES 300H ($2,477 per year).
| Vehicle | Average annual premium in Oklahoma |
|---|---|
|
Jeep Wrangler JL Sport
|
$1,546
|
|
Honda CR-V LX
|
$1,578
|
|
Hyundai Tucson SE
|
$1,599
|
|
Chevrolet Equinox L
|
$1,615
|
|
Jeep Compass Latitude
|
$1,616
|
|
Ford Escape S
|
$1,621
|
|
Subaru Crosstrek
|
$1,644
|
|
Volkswagen Tiguan SE
|
$1,656
|
|
Chevrolet Trax LS
|
$1,673
|
|
Subaru Forester 2.5i
|
$1,678
|
|
Ford F-150 XL
|
$1,705
|
|
Kia Sportage EX
|
$1,710
|
|
Honda Pilot SE
|
$1,716
|
|
Ford Ranger Lariat
|
$1,717
|
|
Chevrolet Colorado
|
$1,728
|
|
Toyota RAV4 LE
|
$1,731
|
|
Chevrolet Traverse LS
|
$1,733
|
|
Toyota Tacoma SR
|
$1,743
|
|
Dodge Grand Caravan SE
|
$1,744
|
|
Ford Edge SE
|
$1,761
|
Required Minimum Oklahoma Car Insurance
Car owners in Oklahoma must purchase liability car insurance. This is a core coverage type that pays for injuries and damages you cause to others. Liability car insurance also pays for a legal defense if someone sues you after a car accident.
In Oklahoma you must purchase liability car insurance with coverage limits of at least:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to multiple people in one accident
- $25,000 for damage to property in one accident
This is known as 25/50/25.
Oklahoma’s minimum liability requirements are likely insufficient for you. If you cause an accident with multiple injuries and property damage, the resulting bills could easily surpass the minimum limits and you could be sued for the rest. If you want to protect your finances, it’s a good idea to buy higher policy limits.
What Else Should I Have in Oklahoma?
Uninsured/underinsured motorist coverage. Car insurance companies are required to offer you these coverage types in Oklahoma, and you can reject them in writing. But generally, these are good coverages to have.
Uninsured motorist coverage (UM) covers your medical expenses when someone without liability insurance crashes into you. If an at-fault driver has some liability insurance but it’s not enough to cover your injury bills, underinsured motorist coverage (UIM) kicks in and pays you.
Medical payments (MedPay). This coverage type covers medical bills for you and your passengers if you’re injured in a car accident, no matter who caused the accident. MedPay also covers you (and relatives that live with you) if you’re struck as a pedestrian by a car.
Collision and comprehensive coverage. If you want to cover your vehicle for problems like car accidents, car theft, collisions with animals, falling objects, hail, flood, fire, riots and vandalism, you’ll want both collision and comprehensive coverage.
If you have a car loan or lease, your lender or leasing company will most likely require you to have these insurance types.
Summary: Required Oklahoma Car Insurance
| Coverage type | Required minimum in Oklahoma |
|---|---|
|
Liability insurance
|
• $25,000 per person for bodily injury liability
• $50,000 per accident for bodily injury liability
• $25,000 for property damage
|
|
Uninsured/Underinsured motorist coverage
|
Not required
|
|
Medical Payments
|
Not required
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone?
Oklahoma lets you use a mobile phone to show an auto insurance ID card. If you’re pulled over, you don’t have to hope your ID card is somewhere with you. Many auto insurers have mobile apps that include access to insurance IDs.
Factors Allowed in Oklahoma Car Insurance Rates
In addition to your driving record, past claims and vehicle model, car insurance companies in Oklahoma can use these factors in setting rates for customers.
| Factor | Allowed in Oklahoma? |
|---|---|
|
Age
|
Yes
|
|
Credit
|
Yes
|
|
Education & occupation
|
Yes
|
|
Gender
|
Yes
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Oklahoma?
About 13% of Oklahoma drivers have no auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance for covering problems they cause, including MedPay, uninsured/underinsured motorist coverage and collision insurance.
Penalties for Driving Without Auto Insurance in Oklahoma
If you are caught driving without car insurance in Oklahoma, you could be fined up to $250 and/or spend up to 30 days in jail, plus have your license suspended.
When Can a Vehicle Be Totaled in Oklahoma?
If your car suffers severe damage, car insurance companies in Oklahoma can declare your car a total loss when the damage exceeds 80% of the vehicle’s retail market value.
Solving Insurance Problems in Oklahoma
The Oklahoma Insurance Department is responsible for monitoring auto insurance companies, approving rates and taking complaints. If you have an unresolved issue with a car insurance company, you can file a complaint.
Methodology
To find the cheapest auto insurance companies in Oklahoma, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Oklahoma are based on rates from Allstate, Farmers, Geico, Hallmark Insurance, Home State Insurance, Mercury, Oklahoma Farm Bureau, Oklahoma Farmers Union, Progressive, Safe Auto, Shelter, State Farm and USAA.
