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Oklahoma Car Insurance for High Risk Drivers (With Quotes)

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Courtney Levin
Written by
Courtney Levin
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Written by
Courtney Levin
Insurance Writer
A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.
John Leach
Edited by
John Leach
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Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 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.

CarrierAvg. 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$143
Travelers$159
GAINSCO$184
Mercury$217
Safeco Insurance$219
SafeAuto$221
Jupiter Auto$226
Bristol West$241
Hallmark Insurance Company$261
The General$265

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

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

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 HistoryAvg. 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.
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:

No Violation - Avg. Monthly Rate
$187
Speeding ticket - Avg. Monthly Rate
$250
$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:

No Violation - Avg. Monthly Rate
$187
Speeding ticket - Avg. Monthly Rate
$265
$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:

No Violation - Avg. Monthly Rate
$187
Speeding ticket - Avg. Monthly Rate
$241
$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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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.

Compare Car Insurance Quotes Instantly

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers 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. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Courtney Levin
Written by
Courtney Levin

Insurance Writer

A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.