Cheap Auto Insurance in Oklahoma 2023

Oklahoma is the 24th-cheapest state for car insurance in the country, according to our data. Drivers in the Sooner State pay an average of $206 per month, which is $27 less than the national average of $233 per month. Oklahoma houses almost 30,000 miles of road, so residents are reliant on driving.^[1] Drivers looking to save money on insurance should compare car insurance quotes online.

Best cheap car insurance in Oklahoma: State Farm

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Best Cheap Car Insurance in Oklahoma

A number of companies offer cheap car insurance in Oklahoma. For example, State Farm and USAA have average monthly rates of $74 and $96 per month, respectively. Allstate is another provider with great deals and an average quote of $115 per month. Find the best cheap car insurance options in Oklahoma in the table below.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in Oklahoma

Oklahoma requires insurance for all motor vehicles operated or parked on state roadways. You must carry proof of insurance in your car at all times and make it available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Oklahoma^[2] are:

• $25,000 per person/$50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Oklahoma is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Oklahoma DMV information

To drive legally in Oklahoma, you must meet guidelines set by the Oklahoma Department of Public Safety. You can utilize this organization to get your driver’s license, title, registration, license reinstatement, and more. While you can complete many of these services online, local offices are available for you to visit across the state. You can schedule an appointment online.^[3]

Public transportation in Oklahoma

The Oklahoma Department of Transportation (ODOT)^[4] runs EMBARK, which offers 23 bus routes, river ferry transit, the OKC streetcar, ADA paratransit service, and bikeshares in the Oklahoma City Metro area.^[5] While some larger cities also have their own transit systems, public transportation isn’t widely available in rural areas. Cars are the primary mode of transportation for Oklahoma residents.

Tips for getting cheap car insurance in Oklahoma

One of the easiest and most reliable ways to find affordable car insurance is to compare quotes from multiple insurers online. Comparison shopping is crucial because auto insurance providers offer different rates based on driver history, vehicle type, age, and more. 

Here are some other ways you can lower your insurance rates:

• Increase your deductible

• Utilize discounts, such as safe driver or loyalty discounts

• Bundle two or more policies

• Maintain a good credit score

Liability-only vs. full-coverage insurance in Oklahoma

If you live in Oklahoma, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Oklahoma by policy type.

How your driving history affects Oklahoma car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Oklahoma. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Oklahoma based on driving and accident history.

See More: High-Risk Car Insurance Oklahoma

See More: Best Cheap Car Insurance After a DUI

SR-22 insurance in Oklahoma

An SR-22 is a form that a car insurance company completes on behalf of a policyholder to show financial responsibility. Although Oklahoma doesn’t require this form, many states require an SR-22 to reinstate a driver’s license after a suspension for a DUI or other serious offense. Instead, as a driver in Oklahoma, you’ll need to get an active insurance policy that meets the minimum requirements in the state.

See More: Bad Credit Car Insurance Oklahoma

How credit scores affect Oklahoma car insurance quotes

Car insurance companies in the Sooner State can consider your credit scores when determining your premium. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

How your city affects Oklahoma insurance quotes

The city you live in also will influence your car insurance rates in Oklahoma. Busier cities, like Oklahoma City and Tulsa, tend to have more traffic and accident claims, so premiums in those cities are often higher than rates in smaller cities. Here’s what drivers pay on average in some of the most populated cities in Oklahoma.

How your age affects your Oklahoma car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly. Like in most states, teenagers and drivers under 25 pay the most for car insurance due to a lack of driving experience, which insurers see as a risk.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Progressive offers some of the most affordable rates, with an average of $158 per month for liability-only coverage.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. On average, drivers in this age range pay between $162 and $179 per month. The cheapest options for full-coverage insurance come from Progressive and Travelers, at $136 and $137, respectively.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. On average, drivers in this age range pay between $131 and $146 per month. The cheapest options for full-coverage insurance are Progressive and Travelers, at $93 and $119, respectively.