Cheap Car Insurance for High-Risk Drivers in Oklahoma:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Insurance Companies for High Risk Drivers in Oklahoma (2022)

For drivers that are high-risk 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 for drivers that are high-risk.

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 high-risk drivers in Oklahoma.

What Makes a Driver High-Risk in Oklahoma?

Even if we make our best efforts to be safe on the road, driving infractions can happen at a moment's notice. Did that stop sign seem to come out of nowhere? Did you cause an accident even though you were trying to be careful?

Just because you get a speeding ticket or change lanes often doesn't mean you're a bad driver; however, in Oklahoma, it may place you in the high-risk category. Motorists who are high-risk find that they tend to pay more for car insurance, although with some careful price shopping, you may still be able to find an affordable deal that fits your budget.

Oklahoma Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$187
$250
$265
$421
$241
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Oklahoma?

It pays off to be extra careful on the road in Oklahoma, as some driving infractions can more than double your car insurance rates. Operating a vehicle with a suspended license, speeding, and reckless driving will all cause your car insurance rates to increase dramatically, so it's important to drive as safely as possible at all times.

Should you find that one of the below violations does end up on your driving record, you won't be out of luck when it comes time to enroll in car insurance. But prices may be more than you expect, with some of the state's average rates including:

Driving History
No Violation$187
Speeding Ticket$250
At-Fault Accident$265
Reckless Driving$421
Failure to Stop$241

How Much Does a Speeding Ticket Impact Car Insurance Rates in Oklahoma?

You may think you're saving time by speeding on the road, but in fact, this type of driving behavior is risky and can come with a high price tag. Oklahoma drivers who are caught speeding may find their monthly rates increasing well into the $200 range:

$187
$250
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$63 ▴Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Oklahoma?

A car accident can be scary and stressful, but some drivers don't realize just how expensive they can be, too. If you're found to be at fault in Oklahoma, your monthly car insurance rates may increase nearly $80, totaling almost $1,000 extra per year:

$187
$265
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$78 ▴Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Oklahoma?

Driving straight through a stop sign or red light is a driving behavior that causes a large increase in your car insurance rates. Oklahoma drivers who are caught in the act may find their rates increase by an average of $54 per month, which can add up to $648 a year:

$187
$241
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$54 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Oklahoma?

Even if we make our best efforts to be safe on the road, driving infractions can happen at a moment's notice. Did that stop sign seem to come out of nowhere? Did you cause an accident even though you were trying to be careful?

Just because you get a speeding ticket or change lanes often doesn't mean you're a bad driver; however, in Oklahoma, it may place you in the high-risk category. Motorists who are high-risk find that they tend to pay more for car insurance, although with some careful price shopping, you may still be able to find an affordable deal that fits your budget.

Tips for Researching High-Risk Oklahoma Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Oklahoma draws a wide variety of choices when factoring high-risk driving insurance rates.

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.

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FAQs - Oklahoma Car Insurance

Why is car insurance so expensive in Oklahoma?

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.

Do car insurance rates vary by county in Oklahoma?

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.

Which providers have the best auto insurance ratings in Oklahoma?

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.

How much do annual auto insurance rates increase in Oklahoma?

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.

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.