Cheapest car insurance for drivers with an incident
Insurers consider your driving record when determining your premium. If you have incidents on your record, such as speeding tickets or at-fault accidents, you’ll pay more for coverage.
If you have a DUI charge on your record, you’ll pay a much higher premium due to the severity of the offense.[2]
How much you pay will depend on the frequency and severity of your incidents. On average, Oklahoma drivers with an incident on their record pay $121 per month for liability insurance and $262 for full-coverage insurance.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets on your driving record are a red flag for insurance companies, so you’ll likely pay a higher premium. In 2021, speeding played a role in 28% of fatal car crashes, 13% of injury crashes, and 9% of property-damage-only crashes, according to the National Highway Traffic Safety Administration (NHTSA).[3]
The cost of car insurance for drivers with a speeding ticket in Oklahoma is $133 per month for liability coverage and $288 for full-coverage insurance.
Compare quotes from some of the cheapest Oklahoma insurers for drivers with a clean record and people with a past speeding ticket.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
| Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|
| State Farm | $35 | $46 |
|---|
| USAA | $44 | $59 |
|---|
| Allstate | $49 | $65 |
|---|
| Mercury | $58 | $83 |
|---|
| Safeco | $67 | $91 |
|---|
| GEICO | $71 | $95 |
|---|
| Farmers | $75 | $99 |
|---|
| Progressive | $76 | $102 |
|---|
| National General | $78 | $104 |
|---|
| Clearcover | $79 | $106 |
|---|
| CSAA | $85 | $116 |
|---|
| Direct Auto | $90 | $120 |
|---|
| Liberty Mutual | $93 | $135 |
|---|
| Midvale Home & Auto | $96 | $132 |
|---|
| GAINSCO | $104 | $152 |
|---|
| Shelter | $105 | $146 |
|---|
| The General | $105 | $142 |
|---|
| Hallmark | $117 | $156 |
|---|
| Foremost | $136 | $198 |
|---|
| Bristol West | $144 | $191 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you have an at-fault accident on your driving record, your insurer will charge a higher rate because you pose a bigger risk of filing a future claim. The rate increase will vary depending on your other personal risk factors, as well as the severity of the accident.
Drivers with an at-fault accident in Oklahoma pay an average of $136 per month for liability coverage.
The following chart shows the state average premium increase for drivers with an accident on their record compared to drivers with a clean record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
| Insurance Company | Clean Driving Record | With Accident |
|---|
| State Farm | $35 | $48 |
|---|
| USAA | $44 | $61 |
|---|
| Allstate | $49 | $68 |
|---|
| Mercury | $58 | $85 |
|---|
| Safeco | $67 | $90 |
|---|
| GEICO | $71 | $99 |
|---|
| Farmers | $75 | $103 |
|---|
| Progressive | $76 | $107 |
|---|
| National General | $78 | $109 |
|---|
| Clearcover | $79 | $117 |
|---|
| CSAA | $85 | $123 |
|---|
| Direct Auto | $90 | $127 |
|---|
| Liberty Mutual | $93 | $140 |
|---|
| Midvale Home & Auto | $96 | $141 |
|---|
| GAINSCO | $104 | $139 |
|---|
| Shelter | $105 | $151 |
|---|
| The General | $105 | $148 |
|---|
| Hallmark | $117 | $156 |
|---|
| Foremost | $136 | $205 |
|---|
| Bristol West | $144 | $197 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is a serious moving violation that will result in a major increase to your insurance premium. In most cases, you’ll pay a higher rate for years. Shopping around for your insurance coverage and taking a defensive driving course may help you find lower rates.
People in Oklahoma with a DUI pay a monthly average of $153 for a liability-only policy. The table below shows the cheapest car insurance companies for drivers in Oklahoma with a DUI on their record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
| Insurance Company | Clean Driving Record | Has DUI |
|---|
| State Farm | $35 | $60 |
|---|
| USAA | $44 | $75 |
|---|
| Allstate | $49 | $84 |
|---|
| Mercury | $58 | $89 |
|---|
| Safeco | $67 | $114 |
|---|
| GEICO | $71 | $121 |
|---|
| Farmers | $75 | $128 |
|---|
| Progressive | $76 | $130 |
|---|
| National General | $78 | $133 |
|---|
| Clearcover | $79 | $135 |
|---|
| CSAA | $85 | $145 |
|---|
| Direct Auto | $90 | $153 |
|---|
| Liberty Mutual | $93 | $159 |
|---|
| Midvale Home & Auto | $96 | $164 |
|---|
| GAINSCO | $104 | $177 |
|---|
| Shelter | $105 | $179 |
|---|
| The General | $105 | $179 |
|---|
| Hallmark | $117 | $199 |
|---|
| Foremost | $136 | $232 |
|---|
| Bristol West | $144 | $245 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
)
)
)
){kind=small}
){kind=small}
)
)
)
)
State Farm
USAA
Allstate
)
)
)
)
)
)
)