Cheap Car Insurance for Low-Income Drivers in Oklahoma

What is low-income car insurance in Oklahoma?

Low-income car insurance isn’t a special type of policy. Oklahoma has no state-sponsored programs to help low-income drivers. Instead, you can lower your car insurance costs through discounts, maintaining a clean driving record, and adjusting your coverage levels.^[1]

Oklahoma requires all drivers to carry liability insurance, which covers damage you cause to others in an accident. Full coverage adds comprehensive and collision coverage to protect your own vehicle.

If you have an older vehicle, you might consider carrying only the state minimum coverage to save money. But this may not be enough to pay for damages if you cause a serious accident.

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Cheapest car insurance in Oklahoma

State Farm is the cheapest car insurance company in Oklahoma, with liability coverage averaging $39 per month. Oklahoma’s average cost of liability insurance is $83 per month, which shows how pricing can vary among insurers.

Oklahoma’s rates are cheaper than the national average. This could be due in part to the state’s shorter average commute time of 22 minutes, which is less than the national average of 26 minutes, according to U.S. census data.

Population density in Oklahoma is also lower than the national average. Rural areas typically have lower insurance rates, since fewer drivers on the road reduces the risk of accidents. But in metro areas with higher population density, like Tulsa and Oklahoma City, rates are usually higher.

You can compare average monthly rates for liability-only car insurance coverage in Oklahoma below.

The below rates in Oklahoma are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only
State Farm	$39
USAA	$49
Progressive	$56
Mercury	$61
The General	$65
National General	$66
AssuranceAmerica	$75
Safeco	$76
GEICO	$79
Bristol West	$81
Farmers	$83
Root	$89
GAINSCO	$94
Direct Auto	$103
Allstate	$105
Shelter	$116
CSAA	$130
Liberty Mutual	$135

Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with poor credit in Oklahoma

Your credit history factors into what you pay for car insurance in Oklahoma. Insurers use a credit-based insurance score to estimate how likely you are to file a claim.^[2] Because drivers with poor credit statistically present more risk, they typically pay more for auto insurance.

But not all states allow insurance companies to use your credit information. For example, California, Utah, and Oregon, among others, restrict insurers from using credit-based insurance scores when setting auto insurance rates.

The table below compares average monthly liability-only quotes from several Oklahoma insurers for both poor and good credit.

The below rates in Oklahoma are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Liability Quote: Poor Credit	Average Liability Quote: Good Credit
State Farm	$57	$38
USAA	$61	$47
Progressive	$69	$53
Mercury	$74	$59
The General	$80	$62
National General	$81	$63
GEICO	$92	$77
AssuranceAmerica	$92	$71
Safeco	$94	$72
Farmers	$97	$81
Bristol West	$100	$78
Root	$110	$85
GAINSCO	$116	$89
Direct Auto	$127	$98
Allstate	$130	$100
Shelter	$143	$110
CSAA	$160	$124
Liberty Mutual	$160	$130

Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.

Car insurance options for low-income drivers in Oklahoma

Although Oklahoma doesn’t offer state-sponsored programs for low-income drivers, you can still find ways to save on your auto insurance policy.

Oklahoma requires insurers to provide a three-year discount to drivers who complete a defensive driving course. Many insurers also offer savings for vehicles with safety features, for driving fewer miles, for bundling auto and home insurance, and for earning good grades.

Comparing quotes from multiple Oklahoma insurers can also help you find affordable car insurance.

If you’re having trouble securing coverage because insurers group you with high-risk drivers, you may want to consider the Oklahoma Automobile Insurance Plan. Assigned risk coverage often costs more than standard policies, though, because it’s meant for drivers that the voluntary market has turned away.

You can also look into non-standard insurers, such as AssuranceAmerica, Direct Auto, GAINSCO, and The General. These insurers specialize in helping drivers who can’t get coverage through the standard market.

Minimum car insurance requirements in Oklahoma

Under Oklahoma’s minimum car insurance requirements, drivers must carry liability coverage with the following limits:^[3]

• Bodily injury liability: $25,000 per person and $50,000 per accident to cover injuries you cause to others

• Property damage liability: $25,000 to cover damage you cause to others’ vehicles or property

Carrying only the state minimum coverage keeps your premiums low, but it can leave you financially exposed. Liability insurance pays only for others’ property damage and injuries if you cause an accident. It won’t pay for your own medical expenses or car repairs.

Full coverage may be especially valuable in Oklahoma, as the state experiences frequent, severe hail and windstorms.^[4] Comprehensive coverage pays for your vehicle repairs after a damaging storm.

Coverage	Minimum Requirement	What It Covers
Bodily injury per person	$25,000	One person’s medical bills if you’re at fault
Bodily injury per accident	$50,000	Two or more people’s medical bills if you’re at fault
Property damage	$25,000	Another person’s vehicle or property damage

Oklahoma law requires insurers to automatically include uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. It’s not required, and you can decline it in writing to lower your premium.

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What affects car insurance rates in Oklahoma?

Multiple factors affect car insurance rates in Oklahoma, including:

• Severe weather: Oklahoma sits in Tornado Alley and averages 50 tornadoes each year. Adding to the risk are the state’s frequent severe hail and windstorms, according to the Oklahoma Insurance Department (OID). Extreme weather events can lead to more vehicle damage and filed claims.

• Uninsured drivers: An estimated 26% of vehicles on Oklahoma’s roads don’t have insurance, according to the Oklahoma Uninsured Vehicle Enforcement Diversion Program.^[5] Uninsured motorists can increase both risk and car insurance rates.

• Lower driving exposure: Oklahoma has a lower population density and shorter average commute time than the national average. Less time on the road generally means less risk of accidents, which can help keep insurance costs down.

• A competitive market: Under Oklahoma’s “use and file” rating law, insurers don’t need state approval before setting rates. Regulators can’t reject a rate simply for being too high. This system could help promote a competitive market, with about 100–115 insurers offering car insurance in Oklahoma.

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