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Cheap Auto Insurance Quotes in Oklahoma City, OK (June 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Oklahoma City is $195 per month, or $2340 annually.
- Car insurance in Oklahoma City is $30 more than the average cost of car insurance in Oklahoma.
- The cheapest car insurance provider in Oklahoma City on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$70
State Farm$85
Travelers$159
American Family$233
The General$246
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 | Quotes |
|---|---|
| Progressive | $70 /mo |
| State Farm | $85 /mo |
| Travelers | $159 /mo |
| American Family | $233 /mo |
| The General | $246 /mo |
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Average Car Insurance Cost
| Oklahoma Cities | |
|---|---|
| Tulsa | $168/mo |
| Norman | $180/mo |
| Broken Arrow | $164/mo |
| Lawton | $149/mo |
| Oklahoma City | $185/mo |
| Oklahoma | $169/mo |
Lawton$149
Broken Arrow$164
Tulsa$168
Average for OK$169
Norman$180
Oklahoma City$185
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Minimum Car Insurance Requirements in Oklahoma
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 be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Oklahoma[1] are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Oklahoma is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Find local Oklahoma City agents
Professional Insurors Agency, LLC
7301 Broadway Extension,
Oklahoma City, OK 73116Comma Insurance, LLC.
6303 Waterford Blvd Ste 230,
Oklahoma City, OK 73118-1119THN Insurance Solutions
2423 N. Classen Blvd.,
Oklahoma City, OK 73106LW Insurance Services Inc.
1010 NW 45th,
Oklahoma City, OK 73118Above All Insurance, Inc
3632 NW 21st St,
Oklahoma City, OK 73107Cole Paine & Carlin
1140 NW 50th St,
Oklahoma City, OK 73118-4402Rich & Cartmill, Inc. - OKC
9401 Cedar Lake Ave,
Oklahoma City, OK 73114-78103000 Insurance Group LLC / Alexander & Strunk
3000 NW 149th St,
Oklahoma City, OK 73134-1849Copeland Agency LLC
5002 S Anderson Rd Ste B,
Oklahoma City, OK 73150-3808Marketers General Insurance
6901 N Robinson Ave Ste A,
Oklahoma City, OK 73116-9053
FAQs - Oklahoma City, OK Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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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.
Insurify Insights
How Oklahoma City Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Oklahoma City, Oklahoma below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Oklahoma City drivers measure up to their fellow motorists across Oklahoma in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in Oklahoma City
#5
City with the Most Speeding Tickets Rank in Oklahoma
#4
City with the Most Moving Violations Rank in Oklahoma
#4
City with the Most DUIs Rank in Oklahoma
#6
City with the Most Suspended Licenses in Oklahoma
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 pay on average 47.51% more than drivers with a clean record
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 pay on average 35.36% more than drivers with a clean record
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 pay on average 17.68% more than drivers with a clean record
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.
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 pay on average 42.54% more than drivers with a clean record.
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%
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 pay on average 1600% more than drivers with a clean record
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%
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 Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- Oklahoma Insurance Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022