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Cheap DUI Car Insurance in Oklahoma (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Best DUI Insurance Companies in Oklahoma (2022)
For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.
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 a DUI in Oklahoma.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $142 |
| GAINSCO | $147 |
| Jupiter Auto | $159 |
| SafeAuto | $183 |
| Bristol West | $186 |
| Mercury | $186 |
| Kemper | $209 |
| Metropolitan Property and Casualty Insurance Company | $211 |
| Hallmark Insurance Company | $212 |
| The General | $224 |
DUI Car Insurance Costs in Oklahoma
In Oklahoma, a DUI or DWI offense will on average have drivers paying $281 per month and $3,372 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 54% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Avg. Monthly Cost - No Violation$182
Avg. Monthly Cost - After DUI$281
$99 ▴
54.40% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
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How Much Does a DUI Impact Car Insurance Rates in Oklahoma?
Insuring a motorist with a DUI in Oklahoma is a high-risk endeavor. That's why your rates increase after a DUI conviction. Insurance companies have to make up for the claims you have already made or will possibly make in the future.
Oklahoma has some of the lowest rates in the country for car insurance after a DUI. That's not to say that things will be cheap. The difference between what you pay before and after a DUI in Oklahoma is $98.56. It's an increase of over 54 percent. Ultimately, the price you pay in insurance after a DUI in this state averages out to $280.56.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $182 | $281 | 54.40% |
What Are the Average Car Insurance Prices After a DUI in Oklahoma?
No one expects to come home from a day on the road and see their insurance premiums increase. But, in the case of a DUI, that's precisely what happens. Though Oklahoma is relatively low on the list at 43rd most expensive state for DUI insurance, drivers will still experience elevated rates in this state.
Average premiums for drivers with a DUI in Oklahoma amount to $280.56. Drivers without a DUI pay an average of $182. Though the price you find post-DUI may be different, it's good to keep these averages in mind when you're shopping so you know when you hit on a good rate.
| Oklahoma After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $281 | 43rd |
How Long Is the Lookback Period for a DUI in Oklahoma?
Although "forgive and forget" is a popular mantra, it doesn't apply to having a DUI in this state. Oklahoma punishes DUIs according to how many you have and for how long. For courts to know how to penalize you, they established a lookback period. The lookback period in Oklahoma is 10 years.
Upon sentencing, any DUIs you've accrued within 10 years count. If you have a DUI today and another 11 years later, today's DUI doesn't count for sentencing purposes.
Oklahoma DUI Penalties
Though every state is different when it comes to punishing a DUI, jail time, fines, and license suspension are always included. The severity of the penalties increases with each offense.
First-time offenders face 10 days to one year in jail, up to $1,000 in fines, and a 180-day license suspension. Beginning in 2019, first-time offenders whose blood alcohol content exceeds .15 may be required to install an ignition interlock system in their vehicle.
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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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Methodology
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.
Content Writer at Insurify
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.