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Cheap Auto Insurance Quotes in Oklahoma City, OK (January 2022)
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Last Updated: January 2022
Car Insurance in Oklahoma City, OK
The average cost of Oklahoma car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Oklahoma City, OK to find you the cheapest quotes in the area.
$70
$85
$159
$233
$246
ProgressiveState FarmTravelersAmerican FamilyThe General
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Cheapest Car Insurance in Oklahoma City, OK
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Oklahoma City | |
|---|---|
Progressive | $70/mo |
 State Farm | $85/mo |
 Travelers | $159/mo |
 American Family | $233/mo |
 The General | $246/mo |
Average Car Insurance Cost
| Tulsa | $168/mo |
| Norman | $180/mo |
| Broken Arrow | $164/mo |
| Lawton | $149/mo |
| Oklahoma City | $185/mo |
| Oklahoma | $169/mo |
$169
$168
$180
$164
$149
$185
OklahomaTulsaNormanBroken ArrowLawtonOklahoma City
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Oklahoma City, OK Driving Facts
Minimum Car Insurance Requirements in OK
All motor All motor vehicles operated or parked on Oklahoma roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Oklahoma are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oklahoma state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oklahoma law.
- $25,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage property damage liability property damage liability coverage required in the state of Oklahoma is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Find local Oklahoma City agents
Professional Insurors Agency, LLC
7301 Broadway Extension, Oklahoma City, OK 73116
Comma Insurance, LLC.
6303 Waterford Blvd Ste 230, Oklahoma City, OK 73118-1119
THN Insurance Solutions
2423 N. Classen Blvd., Oklahoma City, OK 73106
LW Insurance Services Inc.
1010 NW 45th, Oklahoma City, OK 73118
Above All Insurance, Inc
3632 NW 21st St, Oklahoma City, OK 73107
Cole Paine & Carlin
1140 NW 50th St, Oklahoma City, OK 73118-4402
Rich & Cartmill, Inc. - OKC
9401 Cedar Lake Ave, Oklahoma City, OK 73114-7810
3000 Insurance Group LLC / Alexander & Strunk
3000 NW 149th St, Oklahoma City, OK 73134-1849
Copeland Agency LLC
5002 S Anderson Rd Ste B, Oklahoma City, OK 73150-3808
Marketers General Insurance
6901 N Robinson Ave Ste A, Oklahoma City, OK 73116-9053
Insurify Insights: How Oklahoma City Drivers Measure Up
Oklahoma City, OK
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Oklahoma City drivers measure up to their fellow Oklahoma motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Oklahoma City
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 City drivers rank 8 in the number of car accidents per driver across all cities in Oklahoma.
- Rank within state: #8
- Percent of drivers in Oklahoma City with an accident: 9.2%
- Drivers in Oklahoma City, OK with an accident in their driving history paid on average 47.51% more than drivers with a clean record
Speeding in Oklahoma City
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oklahoma, Oklahoma City drivers rank 5 in the number of speeding infractions per driver.
- Rank within state: #5
- Percent of drivers in Oklahoma City with a speeding ticket: 10.77%
- Drivers in Oklahoma City, OK with a speeding ticket in their driving history paid on average 35.36% more than drivers with a clean record
DUI/DWIs in Oklahoma City
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oklahoma City drivers rank 4 in the number of DUI’s per driver across all cities in Oklahoma.
- Rank within state: #4
- Percent of drivers in Oklahoma City with a DUI: 1.67%
- Drivers in Oklahoma City, OK with a DUI in their driving history paid on average 17.68% more than drivers with a clean record
Most Popular Vehicle in Oklahoma City
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Oklahoma City is the Nissan Altima.
Rude Drivers in Oklahoma City
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Oklahoma, Oklahoma City drivers rank 2 in rude driving infractions.
- Rank within state: #2
- Percent of drivers in Oklahoma City with a reckless driving violation: 2.21%
- Drivers in Oklahoma City, OK with a reckless driving violation in their driving history paid on average 42.54% more than drivers with a clean record.
Safest Drivers in Oklahoma City
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Oklahoma City drivers rank 5 in clean driving records across all cities in Oklahoma.
- Rank within state: #5
- Percent of drivers in Oklahoma City with clean record: 80.42%
Failure to Yield the Right of Way in Oklahoma City
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oklahoma City drivers rank 5 in failure to yield violations per driver across all cities in Oklahoma.
- Rank within state: #5
- Percent of drivers in Oklahoma City with a failure to yield violation: 0.38%
- Drivers in Oklahoma City, OK with a failure to yield violation in their driving history paid on average 1600% more than drivers with a clean record
Reckless Drivers in Oklahoma City
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. Among all cities in Oklahoma, Oklahoma City drivers rank 1 in the number of reckless driving offenses per driver.
- Rank within state: #1
- Percent of drivers in Oklahoma City with a reckless driving offense: 0.1%
Hybrid/Electric Vehicle Ownership in Oklahoma City
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Oklahoma City drivers rank 14 in hybrid and electric vehicle ownership across all cities in Oklahoma.
- Rank within state: #14
- Percent of drivers in Oklahoma City with a hybrid/electric vehicle: 0.54%
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.
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