Cheap Auto Insurance Quotes in Oklahoma (2021)

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Oooooo-klahoma, where the savings come sweeping down the plain!

You know you’re from the Sooner State if you can pronounce Eufaula, Oologah, and Chickasha on the first try. Winter, spring, summer, fall, and tornado are the five seasons in , and you surely know how to prepare for a blizzard, twister, and flood in a single day. That’s why with over 230,000 miles of roadway throughout the state and over a million registered vehicles on the streets, a solid auto insurance policy is vital for every driver in Oklahoma.

Cheapest Car Insurance in Oklahoma

Here are the cheapest carriers in Oklahoma for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Oklahoma.

Best Car Insurance in Oklahoma

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Oklahoma. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Oklahoma

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Oklahoma to find you the cheapest quotes in each of these metropolitan areas.

Residents of Oklahoma City, the most populous city in the state, are currently learning to renegotiate the rules of the road as the city introduces a new streetcar system.

Quotes by Top Carriers
Quotes ($/mo)
$70
$85
$159
$233
$246
$318
ProgressiveState FarmTravelersAmerican FamilyThe GeneralLiberty Mutual
Monthly $
CityCheapest Carrier
ProgressiveProgressive
$70/mo
ProgressiveProgressive
$55/mo
State FarmState Farm
$71/mo
State FarmState Farm
$85/mo
State FarmState Farm
$65/mo
AllstateAllstate
$76/mo
State FarmState Farm
$63/mo
ProgressiveProgressive
$44/mo
ProgressiveProgressive
$46/mo
ProgressiveProgressive
$45/mo
ProgressiveProgressive
$49/mo
ProgressiveProgressive
$47/mo
ProgressiveProgressive
$52/mo
ProgressiveProgressive
$45/mo
State FarmState Farm
$63/mo
State FarmState Farm
$83/mo
State FarmState Farm
$56/mo

Cheapest Liability Auto Insurance in Oklahoma

For drivers in Oklahoma, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Oklahoma. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Oklahoma.

Cheapest Full Coverage Auto Insurance in Oklahoma

For drivers in Oklahoma, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Oklahoma. The following are the best insurance rates from carriers that offer full coverage auto insurance in Oklahoma.

Oklahoma Driving Facts

oklahoma

Minimum Car Insurance Requirements in OK

All motor vehicles operated or parked on Oklahoma roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Oklahoma are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oklahoma state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oklahoma law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage property damage liability property damage liability coverage required in the state of Oklahoma is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Cheapest Car Insurance Quotes in Oklahoma by Profile

Here are the cheapest insurance companies in Oklahoma based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Oklahoma drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Oklahoma, at $44 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$44/mo
State Farm
$56/mo
Allstate
$73/mo
GEICO
$119/mo
Travelers
$119/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
State Farm
$41/mo
Home State Insurance Group
$64/mo
GEICO
$66/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Oklahoma Farm Bureau
$34/mo
State Farm
$45/mo
USAA
$54/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
State Farm
$41/mo
Oklahoma Farm Bureau
$44/mo
USAA
$44/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Oklahoma, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Oklahoma Farm Bureau and Oklahoma Farm Bureau offer the cheapest car insurance rates for young drivers, averaging $48 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Oklahoma 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Oklahomans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
Oklahoma Farm Bureau
$48/mo
USAA
$30/mo
State Farm
$32/mo
GEICO
$39/mo
Oklahoma Farm Bureau
$48/mo

SR‌-22 Insurance in Oklahoma

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Oklahoma on your behalf.

OK DMV Information

The State of Oklahoma Department of Public Safety has DMV outposts all around the state.

At the DMV, Oklahoma residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Sooner State State, a DMV shouldn’t be too far. Oklahoma residents may be able to skip their visit altogether and get what they need through the DMV’s online portal.

Insurify Insights: How Oklahoma Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Oklahoma drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Oklahoma

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Oklahoma drivers rank 46 in the number of car accidents per driver.

  • Rank of States: #46
  • Percent of drivers in Oklahoma with an accident: 8.16%
  • Drivers in OK with an accident in their driving history paid on average 49.68% more than drivers with a clean record

Speeding Oklahoma

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Oklahoma drivers rank 34 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #34
  • Percent of drivers in Oklahoma with a speeding ticket: 9.14%
  • Drivers in OK with a speeding ticket in their driving history paid on average 42.04% more than drivers with a clean record

DUI/DWIs Oklahoma

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oklahoma drivers rank 36 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #36
  • Percent of drivers in Oklahoma with a DUI: 1.48%
  • Drivers in OK with a DUI in their driving history paid on average 19.11% more than drivers with a clean record

Most Popular Vehicle Oklahoma

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Oklahoma is the Ford F-Series Pickup.

Rude Oklahoma

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Oklahoma drivers rank 11 in rude driving infractions.

  • Rank of States: #11
  • Percent of drivers in Oklahoma with a reckless driving violation: 1.78%
  • Drivers in OK with a reckless driving violation in their driving history paid on average 34.39% more than drivers with a clean record.

Safest Drivers Oklahoma

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Oklahoma drivers rank 11 in clean driving records across all fifty states.

  • Rank of States: #11
  • Percent of drivers in Oklahoma with clean record: 83.07%

Street Racing Oklahoma

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Oklahoma drivers rank 32 in street racing violations per driver.

  • Rank of States: #32
  • Percent of drivers in Oklahoma with a street racing violation: --%

Failure to Yield the Right of Way Oklahoma

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oklahoma drivers rank 28 in failure to yield violations per driver across all fifty states.

  • Rank of States: #28
  • Percent of drivers in Oklahoma with a failure to yield violation: 0.36%
  • Drivers in OK with a failure to yield violation in their driving history paid on average 32.48% more than drivers with a clean record

Reckless Drivers Oklahoma

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Oklahoma drivers rank 44 in the number of reckless driving offenses per driver.

  • Rank of States: #44
  • Percent of drivers in Oklahoma with a reckless driving offense: 0.05%

Hybrid/Electric Vehicle Ownership Oklahoma

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Oklahoma drivers rank 32 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #32
  • Percent of drivers in Oklahoma with a hybrid/electric vehicle: 0.7%

Greenest Cities in Oklahoma

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Oklahoma offers many green driver incentives, including federal tax credits, rebates, loans, and discounts through some car insurance carriers.

Greenes Cities

Edmond

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Lawton

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Lawton won Insurify's Most Patriotic Cities Award for the state of Oklahoma. Lawton is located just south of the famed Fort Sill, which is itself a National Historic Landmark.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Oklahoma is vital for all car insurance shoppers hitting the road in The Sooner State.

road with cars illustration

Road Rankings

22%Rural Roads in
Poor Condition

#7
Ranked

16%Structurally Deficient
Rural Bridges

#4
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#11
Ranked


FAQs - Oklahoma Car Insurance

Which insurance company offers the cheapest auto insurance in Oklahoma?

The best way to get the cheapest car insurance in Oklahoma and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How is fault assigned after a car accident in Oklahoma?

As a fault-based state, after a car accident, the driver found at-fault will be responsible for compensating other drivers and passengers for property damage and bodily injury. Blame may be split amongst multiple drivers, and damages would be split accordingly.

What is the punishment for committing a DUI in Oklahoma?

DUIs can really damage a driver’s driving record. The punishment can be severe, too; Oklahoma drivers risk ten days to one year in jail, $500 to $1,000 in fines, court fees, 30-100 day license suspension, and mandated installation of interlocking ignition devices. Punishments worsen with subsequent offenses.

What happens if I drive uninsured in Oklahoma?

Driving uninsured puts yourself and those around you at great risk. An estimated 10.5 percent of drivers on Oklahoma roads are uninsured or underinsured. If caught, uninsured drivers face hundreds in fines, civil penalties, license and registration suspension, SR-22 requirements, and even jail time.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.