How to Find the Best Car Insurance
for High Risk Drivers in Oklahoma

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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
No Violation
$250
Speeding Ticket
$265
At-Fault Accident
$421
Reckless Driving
$241
Failure to Stop for Red Light / Stop Sign
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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Oklahoma?

High-risk drivers in Oklahoma aren't excluded from purchasing car insurance, as it's legally required before you get behind the wheel. What you will find is that you may be paying more than you used to for your coverage. Drivers who are in the high-risk category don't have to worry about insurance being unaffordable though, as some of the best pricing can be found below:

CarrierAvg. Monthly Cost
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

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
No Violation$187
Speeding Ticket$250
At-Fault Accident$265
Reckless Driving$421
Failure to Stop for Red Light / Stop Sign$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
No Violation - Avg. Monthly Rate
$250
Speeding 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
No Violation - Avg. Monthly Rate
$265
Speeding 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
No Violation - Avg. Monthly Rate
$241
Speeding 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.