Cheap Auto Insurance Quotes in Oklahoma City, OK (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$70
$85
$159
$233
$246
ProgressiveState FarmTravelersAmerican FamilyThe General
Monthly $

Cheapest Car Insurance in Oklahoma City, OK

Here are the cheapest carriers in Oklahoma City for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$169
$168
$180
$164
$149
$185
OklahomaTulsaNormanBroken ArrowLawtonOklahoma City
Monthly $

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Oklahoma City, OK Driving Facts

oklahoma

Minimum Car Insurance Requirements in OK

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

nissan
Nissan Altima
Most Popular Car in
Oklahoma City, OK
suspended licenses
#5
Cities with Most
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 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 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 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 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 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 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 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 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 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%

Insurify Rate Comparison Methodology

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.