Cheapest Auto Insurance in Oklahoma (2024)

State Farm has the cheapest liability insurance in Oklahoma, with a monthly rate of $32.

Mark Vallet
Written byMark Vallet
Mark Vallet
Mark Vallet

Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

Updated March 14, 2024

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Cheapest recent rates in Oklahoma

Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $60/mo for full coverage in Oklahoma.

*Quotes generated for Insurify users from Oklahoma within the last 10 days. Last updated on March 14, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Oklahoma within the last 10 days. Last updated on March 14, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Oklahoma face rates similar to the U.S. average. Full-coverage car insurance in Oklahoma costs an average of $204 per month, which slightly exceeds the national average of $212. A liability-only policy in the Sooner State costs $90 per month, which is a bit lower than the national average of $103.

Frequent severe weather may account for the higher full-coverage premiums in Oklahoma, which is in Tornado Alley. Tornadoes can cause massive damage to vehicles, leading to higher rates.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Oklahoma.

Quick Facts
  • State Farm, USAA, and Allstate are the cheapest insurers in Oklahoma.

  • Oklahoma is an at-fault state, which means a driver responsible for an accident must cover the other party’s resulting damage and injury.

  • The overall average cost of car insurance in Oklahoma is $147 per month.

3 of the cheapest car insurance companies in Oklahoma

State Farm, USAA, and Allstate are three of the cheapest insurers in Oklahoma.

Because rates vary by driver, you should always expand your search to compare quotes from multiple insurers. While these three insurers have the lowest average premiums in Oklahoma, that doesn’t guarantee they’ll have the cheapest rates for you. Consider your coverage needs, budget, and driving record when looking for the best coverage.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$60$32Teen drivers
USAA4.5$74$39Military families
Allstate4.2$82$43Safe drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$32/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo

State Farm sells a variety of insurance products, including vehicle, property, business, and personal coverage. Notably, the company offers discounts aimed at teens, including its student-away-at-school, driver training, and good student discounts. Teen drivers face some of the highest car insurance rates, so discounts catered to young drivers can help cut costs.

Pros
  • Young drivers can save with the Steer Clear program

  • Largest insurer in the country

Cons
  • Fewer discounts than some competitors

  • Doesn’t offer accident forgiveness

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$74/mo

Oklahoma has five military facilities and thousands of military personnel. USAA has affordable coverage and solid claims and customer satisfaction ratings. The company is an excellent choice for current and former military members and their families.

Pros
  • Excellent J.D. Power customer satisfaction ratings

  • Drivers can save up to 30% with the SafePilot program

Cons
  • Membership limited to military members and families

  • Doesn’t offer gap insurance

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for safe drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$82/mo

Your driving record is one of the most important factors insurers consider when setting a premium. Allstate offers a variety of savings and rewards for drivers with a clean record. The Drivewise program allows you to earn a safe driving discount for every six months you remain accident-free.

Pros
  • Offers rideshare insurance

  • AM Best financial strength rating of A+ (Superior)

Cons
  • Some customer service complaints online

  • Mobile app not as robust as some competitors

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

How to get the cheapest car insurance in Oklahoma

Car insurers consider several factors when setting your premium, including your age, gender, driving history, ZIP code, and credit score.

Here are a few tips for finding the cheapest car insurance in the state of Oklahoma:

  • Shop around. Insurance companies assess your risk factors differently, so premium quotes can vary. Compare quotes from at least five different insurers, and make sure to look at the same coverage levels and deductibles.

  • Look for discounts. Insurers offer plenty of discounts, so make sure you know which ones you may qualify for. Common discounts include rewards for bundling coverages, remaining accident-free, and setting up auto pay.

  • Raise your deductible. Increasing your deductible will lower your premium, but you’ll have to pay more in the event of an accident. Always set a deductible you can afford to pay if you need to file a claim.

Find Cheap Car Insurance in Oklahoma

Liability quotes in Oklahoma start at $32 per month

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Cheapest liability-only car insurance in Oklahoma: State Farm

Oklahoma law requires all drivers to carry liability insurance. Liability-only insurance will pay for the other parties’ legal and medical bills related to injuries and damages when you cause a car accident, but it won’t cover your own injuries and damages. Carrying liability-only coverage is a good idea if your vehicle is older and you would replace it after an accident instead of having it repaired.

In Oklahoma, liability-only insurance costs an average of $90 per month. Here are the cheapest insurance companies in Oklahoma for liability-only coverage.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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 CompanyAverage Monthly Quote
State Farm32
USAA39
Allstate43
Safeco59
GEICO63
Mercury66
Farmers67
Clearcover73
Progressive76
National General80
Liberty Mutual89
CSAA92
Direct Auto94
Shelter94
Midvale Home & Auto99
GAINSCO102
The General105
Hallmark113
Foremost119
Bristol West147
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 full-coverage car insurance in Oklahoma: State Farm

Full-coverage insurance includes liability, collision, and comprehensive insurance, protecting your assets and your vehicle. Collision insurance will cover the costs of repairing your vehicle after an accident or collision with an object. Comprehensive coverage protects against damage from perils such as severe weather, theft, vandalism, and more.

Full-coverage car insurance in Oklahoma costs $204 per month, on average.

The following insurers are the cheapest options for full-coverage insurance in Oklahoma.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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 CompanyAverage Monthly Quote
State Farm60
USAA74
Allstate82
GEICO119
Clearcover122
Farmers126
Mercury131
Safeco143
Progressive144
Direct Auto149
National General157
Shelter177
CSAA191
Midvale Home & Auto200
The General221
Liberty Mutual225
GAINSCO231
Hallmark239
Foremost256
Bristol West296
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.

Car insurance requirements in Oklahoma

Oklahoma drivers must carry a minimum amount of car insurance to drive legally in the state. The minimum liability requirements offer protection if you cause an accident that injures the other driver or causes property damage. You need to carry the following amounts of bodily injury and property damage liability in Oklahoma:[1]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Liability insurance doesn’t cover your vehicle or injuries, so you need to consider buying additional coverages to pay for your damages. Here’s a quick overview of some optional coverages you may want to add to your policy:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance will pay to repair your vehicle after a collision with another vehicle or object, regardless of fault. This coverage comes with a deductible that you must pay in the event of a claim.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance can cover vehicle damage from non-collision incidents, such as fire, flooding, theft, vandalism, and more. This coverage also requires a deductible.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    In the event of an accident, medical payments coverage can pay for your and your passengers’ medical bills, regardless of fault.

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 $123 per month for liability insurance and $279 for full-coverage insurance.

Shop for Car Insurance in Oklahoma

Monthly rates start at $201 for drivers with an incident

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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 $135 per month for liability coverage and $306 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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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 Farm3242
USAA3952
Allstate4357
Safeco5985
GEICO6383
Mercury66100
Farmers6789
Clearcover73104
Progressive76104
National General80106
Liberty Mutual89126
CSAA92126
Direct Auto94129
Shelter94136
GAINSCO102132
The General105143
Bristol West147198
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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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 Farm3243
USAA3953
Allstate4359
Safeco5989
GEICO6386
Mercury66103
Farmers6792
Clearcover73118
Progressive76108
National General80111
Liberty Mutual89131
CSAA92133
Direct Auto94133
Shelter94140
GAINSCO102137
The General105149
Bristol West147201
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 $154 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: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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 RecordHas DUI
State Farm3252
USAA3964
Allstate4370
Safeco5996
GEICO63103
Mercury66110
Farmers67109
Clearcover73119
Progressive76124
National General80130
Liberty Mutual89145
CSAA92150
Direct Auto94153
Shelter94143
GAINSCO102166
The General105171
Foremost119194
Bristol West147240
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 seniors: State Farm

Your age plays a role in how much you pay for car insurance. Senior drivers pay a bit more for car insurance once they move into their 70s due to age-related risk factors, such as vision and hearing loss, slowing reflexes, and other health or medication issues.

Liability-only coverage for seniors in Oklahoma costs $67 per month, on average. Check out affordable car insurance options for seniors in the table below.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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 CompanyLiability OnlyFull Coverage
State Farm2344
USAA3056
Allstate3363
GEICO4789
Safeco48116
Farmers5094
Mercury51101
Progressive5298
National General63123
Shelter64121
Clearcover65108
CSAA68140
Liberty Mutual69175
Direct Auto69109
GAINSCO79180
The General83174
Bristol West112226
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 teens: State Farm

Teen drivers pay some of the highest premiums for car insurance due to a lack of driving experience. Statistics show that teenagers have a higher likelihood than older drivers of having an accident and filing a claim.

Young drivers between 15 and 20 made up 5% of licensed drivers but accounted for 8.4% of all drivers involved in fatal crashes in 2021, according to data from the National Highway Traffic Safety Administration (NHTSA).[4]

Teen drivers in Oklahoma pay $169 per month, on average, for a liability policy. Car insurance for teenagers is expensive, but you can save by earning a good student discount, joining a parent’s existing policy, and setting a high deductible. 

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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 CompanyLiability OnlyFull Coverage
State Farm56105
USAA66126
Allstate77148
GEICO102193
Safeco108263
Farmers120225
Mercury125247
Clearcover134224
Progressive139263
Liberty Mutual155391
National General156307
CSAA159329
Shelter165311
The General173363
Direct Auto176279
GAINSCO188426
Foremost219470
Bristol West251506
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.

Find Car Insurance in Oklahoma

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Oklahoma car insurance quotes by credit tier

Most states allow insurance companies to consider your credit-based insurance score when setting your car insurance rate. If you have a poor credit score, you’ll likely pay more for coverage. Statistics show that drivers with poor credit tend to file more claims, so insurers charge them a higher premium compared to drivers with excellent or good credit.

Oklahoma allows insurers to consider your credit history with some restrictions. Insurers can’t use it as the only factor they consider or use a lack of credit as a reason to deny coverage.[5]

Here are the average monthly full-coverage insurance premiums based on your credit tier in Oklahoma.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Oklahoma car insurance FAQs

Before you start shopping for auto coverage, you should determine how much insurance you need. The following information can help you navigate the process of finding cheap coverage in Oklahoma.

  • How much is car insurance in Oklahoma?

    The overall cost of car insurance in Oklahoma is $147 per month. Drivers in the state pay $90 for liability insurance and $204 for full-coverage insurance, on average. Ultimately, your premium will depend on your driving record, age, ZIP code, and more.

  • Who has the cheapest car insurance in Oklahoma?

    State Farm has the cheapest liability car insurance in Oklahoma, with a monthly cost of $32. The second-cheapest insurer in the state, USAA, has a rate of $39 per month. With a cost of $43, Allstate is another cheap car insurance option. The best way to find cheap coverage is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Oklahoma?

    With a high Insurify Quality (IQ) Score of 4.5 out of 5, an AM Best financial strength rating of A++ (Superior), and customizable coverage options, State Farm is the best car insurance company in Oklahoma. Drivers pay $32 per month for liability insurance and $60 for full-coverage insurance from State Farm in Oklahoma, on average. Other top insurers include Allstate and USAA.

  • What is the state minimum insurance required in Oklahoma?

    Oklahoma drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.

  • Is Oklahoma a no-fault state for car insurance?

    No. Oklahoma is an at-fault state. This means that the driver who causes an accident must cover the other driver’s resulting medical expenses and vehicle repairs.

Insurify Insights

How Oklahoma Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Oklahoma below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Oklahoma drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Oklahoma

#25

State with the Most Speeding Tickets Rank

#29

State with the Moving Violations Rank

#38

State with the Most DUIs Rank

#10

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Oklahoma is the #35 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #35
    • Percent of drivers in Oklahoma with an accident: 7.8%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oklahoma is the #38 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #38
    • Percent of drivers in Oklahoma with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Oklahoma is the #27 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #27
    • Percent of drivers in Oklahoma with a reckless driving offense: 1.3%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Oklahoma is the #26 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #26
    • Percent of drivers in Oklahoma with a rude driving violation: 1.5%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Oklahoma is the #25 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #25
    • Percent of drivers in Oklahoma with a speeding ticket: 8.6%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oklahoma is the #39 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #39
    • Percent of drivers in Oklahoma with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Oklahoma Insurance Department. "Auto Insurance: Common Myths." Accessed January 29, 2024
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed January 29, 2024
  3. National Highway Traffic Safety Administration. "Traffic Safety Facts 2021 Data: Speeding." Accessed January 29, 2024
  4. National Highway Traffic Safety Administration. "Traffic Safety Facts 2021 Data: Young Drivers." Accessed January 29, 2024
  5. Justia. "2022 Oklahoma Statutes Title 36. Insurance §36-953. Use of credit information - Prohibited acts.." Accessed January 29, 2024
Mark Vallet
Mark Vallet

Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

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.

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