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Oklahoma Car Insurance for Bad Credit Drivers
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Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka
Updated March 9, 2022
Cheapest Companies for Drivers With Bad Credit in Oklahoma (2022)
For drivers with bad credit in Oklahoma, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
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 car insurance for drivers with bad credit in Oklahoma.
| Carrier | Avg. Monthly Cost 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. |
|---|---|
| Clearcover Inc | $117 |
| GAINSCO | $135 |
| Mercury | $150 |
| SafeAuto | $151 |
| Travelers | $152 |
| Safeco Insurance | $160 |
| Jupiter Auto | $164 |
| Bristol West | $186 |
| Kemper | $197 |
| The General | $202 |
Bad Credit Car Insurance in Oklahoma
A poor credit score can negatively impact your financial well-being, especially when you need to borrow money for a car or house. Bad credit can also raise your insurance rates. A few states prohibit car insurance companies from using a driver's credit history as a factor in determining their rate. Unfortunately, Oklahoma is not one of those states. Most companies will run your credit if you try to get coverage.
While a poor credit score won't prevent you from getting coverage like it might a loan, you should expect to pay a higher insurance premium.
Oklahoma Car Insurance Rates for Bad Credit Drivers
Average$22
Excellent$201
Good$224
Poor$245
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Oklahoma?
Drivers with bad credit pay almost 7 percent more than average for car insurance in Oklahoma. Credit scores are just one factor companies look at when determining car insurance rates, however. According to the Insurance Information Institute, companies will review your driving record and claims history along with your total debt and payment history when they set your rate. Insurers use your credit score to figure out your risk level and likelihood that you'll file a claim in the future.
Avg. Monthly Cost - for Drivers with Good Credit$193
Avg. Monthly Cost - for Drivers with Bad Credit$208
$15 ▴
7.77% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates
Can I Get Car Insurance With No Credit Check in Oklahoma?
It is possible to get car insurance without a credit check in Oklahoma. There's a catch, however. Car insurance companies that don't check credit scores often charge higher premiums. Insurance companies that run credit checks do so to calculate how much risk comes with covering a driver. Without that check, the risk calculation is incomplete, and companies will charge more for coverage to compensate for that.
You may not want to go through a credit check, but it might be worth it to see if you can pay less for coverage with a standard car insurance company in Oklahoma.
Oklahoma Car Insurance Rates by Credit Tier
Oklahoma car insurance rates follow a relatively straight path; the better your credit is, the lower your average monthly insurance cost will be. The difference in average monthly insurance costs between an Oklahoma driver with excellent credit and one with poor credit is about $44. This is further proof that a lot more than a driver's credit score goes into determining insurance rates.
| Credit Tier | Avg. Monthly Cost 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. |
|---|---|
| Excellent | $201 |
| Good | $224 |
| Average | $22 |
| Poor | $245 |
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Car Insurance Rates With Bad Credit in Oklahoma Cities
A poor credit score will be costly for drivers seeking car insurance in a handful of Oklahoma cities. Drivers in Oklahoma City, Tulsa and Norman are looking at a $200 per month car insurance bill if they have bad credit.
| City | Credit Tier | Avg. Monthly Cost 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. |
|---|---|---|
| Oklahoma City | Poor | $226 |
| Tulsa | Poor | $199 |
| Norman | Poor | $196 |
| Lawton | Poor | $169 |
| Broken Arrow | Poor | $185 |
| Edmond | Poor | $198 |
Tips for Researching Bad Credit Oklahoma Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Oklahoma draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate 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 you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Oklahoma Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Oklahoma. 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.
The way to find the carrier with the best auto insurance ratings 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.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
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