On average, car insurance rates for drivers in Oklahoma are $203 per month, and $2432 per year. The average rates make Oklahoma the 27th most expensive state in the country for car insurance rates and 10% less expensive than the national average.
Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.
Insurify analyzed car insurance rates in the twenty most populous cities in Oklahoma and has selected the following providers and quotes as the best rates for drivers in Oklahoma.
As is the case in most states, the teenagers in Oklahoma pay the most for car insurance—a whopping $367 per month to be exact. Luckily, prices will trend closer to the state average once you reach your 20s, with this age group paying $233 per month.
Once drivers hit their 30s in Oklahoma, their average rates go even lower. They hit their lowest for drivers in their 60s, who pay only $160 per month—more than $40 below the state average for car insurance.
At $211 per month, men in Oklahoma pay $14 more than women do, which is a fairly minor difference in car insurance rates.
Don’t get married in Oklahoma thinking it will save you money on car insurance. Married Oklahoma drivers pay only $3 less per month than single drivers, which is a minimal difference. At $201 per month, married drivers pay only $2 below the state average.
Oklahoma requires a fairly standard amount of car insurance, with $25,000 in bodily injury liability per person and $50,000 per accident. So if someone is harmed in an accident where you are at fault, your insurance will cover the costs associated with these injuries up to that limit. Additionally, Oklahoma’s drivers must have $25,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident. If the costs of property damage exceed $25,000, you will be responsible for covering those costs.
Oklahoma allows car insurance companies to consider your credit score when determining your car insurance rates. So it’s a surprise to realize that drivers with an excellent credit history actually pay $10 more, on average, than those with a poor credit history. Those with an average or good credit history pay a similar amount at $196 per month and $200 per month, respectively.
"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?
Drivers with a speeding ticket in Oklahoma will pay $29 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $48. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.
When it comes to car insurance rates, you never quite know what you’re going to get. Prices vary between companies, based on a variety of factors. With many trusted carriers offering their services in Oklahoma, drivers in the Sooner State will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.