At CheapInsurance.com we’ve put together information, tips, and price comparisons to help you find cheap car insurance in Oklahoma.
The state of Oklahoma is a great road trip destination with plenty of breathtaking scenery to explore. Oklahoma is known for its college football and rodeos. You’ll also find wide open spaces and temperamental weather. If you enjoy cowboy boots and catfish, you’ll feel right at home.
Oklahoma boasts a vast highway network spanning over 12,000 miles. This includes state-maintained highways, ten turnpikes, and the longest continuous stretch of Route 66 in the United States.
Whether you’re a resident or a tourist traveling by car in Oklahoma, it’s surely important to make sure that you have adequate auto insurance.
Sooner Cruising: Updates & Insurance Insights for Oklahoma 2024
Prepare to discover Oklahoma’s stunning landscapes, bustling cities, and fascinating history while simultaneously finding cheap auto insurance.
Oklahoma Vehicle Code Changes:
- Increased penalties for driving without insurance: Expect harsher fines and potential vehicle impoundment for driving without valid auto insurance. (Source: Oklahoma Statutes Title 47 Section 11-104)
- Expansion of “Move Over” law: New requirements for drivers to slow down and move over for emergency vehicles on divided highways. (Source: Oklahoma Statutes Title 47 Section 11-308)
- No major changes to distracted driving laws: Existing prohibitions on texting and holding phones while driving remain in place. (Source: Oklahoma Statutes Title 47 Section 11-1003)
Remember: These are just highlights, and other changes may apply. Visit the Oklahoma Department of Public Safety website for complete information.
Affordable Car Insurance Rates in Oklahoma (2024):
(Sources: The Zebra, Value Penguin)
| Company | Full Coverage | Minimum Coverage |
| State Farm | $1,592 | $381 |
| GEICO | $1,327 | $345 |
| Progressive | $1,455 | $330 |
| Farmers | $1,504 | $364 |
| Liberty Mutual | $1,563 | $393 |
Remember: Individual rates in Oklahoma can vary significantly based on factors like driving history, location, vehicle type, and desired coverage. Consider the mandatory 25/50/25 liability coverage limit when comparing options.
To help you find car insurance in Oklahoma, we’ve compared auto insurance quotes from car insurers in these Oklahoma counties:
- Oklahoma County.
- Tulsa County.
- Cleveland County.
- Canadian County.
- Comanche County.
The cost of auto insurance is dependent on your individual driving profile.
This is why we’ve gone a step further and compared the cost of car insurance for these types of drivers:
- Good drivers (those with a clean driving record).
- Bad drivers (those with a history of traffic violations).
- Young drivers (those aged between 16 and 25).
Factors Affecting Car Insurance in Oklahoma
Your car insurance rates in Oklahoma can vary significantly. These fluctuations are influenced by factors such as your location, the type of vehicle you drive, and other personal characteristics:
- Age.
- Gender.
- Marital status.
- Driving history.
- Insurance provider.
- Coverage type.
- Credit rating.
- Set deductible.
In Oklahoma, the minimum liability insurance is:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident.
- Property damage liability coverage: $25,000 per accident.
Oklahoma is an at-fault state. This means that in the event of an accident, the insurance company of the responsible party is liable for covering the resulting injuries and damages.
If you cause an accident, liability insurance covers the other party’s bodily injuries, as well as damage to their vehicle or property. These damages may also include:
- Medical bills.
- Property damage.
- Lost wages.
Key Point: What Is Liability Insurance?Liability insurance is generally the most affordable car insurance option in Oklahoma. Moreover, it is mandatory in many states, including Oklahoma. Auto liability insurance in Oklahoma covers the costs of the other driver’s property and bodily injuries if its your fault. |
Minimum Liability Car Insurance in Oklahoma
Minimum liability coverage auto insurance is a popular choice because you pay much cheaper car insurance premiums.
However, because it only covers the other driver’s injuries and property damage, it doesn’t include protection for damage.
If you are determined to be at fault in a car accident and don’t meet the required minimum insurance coverage, you will be personally liable. This means you’ll have to cover the other party’s medical expenses, legal fees, and lost income.
We have found that on average, the cost of minimum liability auto insurance in Oklahoma is $258.93 per month.
CSAA offers the cheapest auto insurance premiums for minimum liability coverage, which costs on average $218.80 per month.
Cheapest Minimum Liability Car Insurance in Oklahoma |
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| Provider | Oklahoma County | Tulsa County | Cleveland County | Canadian County | Comanche County | Average |
| The General | $308.00 | $318.00 | $280.00 | $272.00 | $242.00 | $284.00 |
| Bristol West | $280.00 | $271.00 | $276.00 | $290.00 | $253.00 | $274.00 |
| CSAA | $219.00 | $220.00 | $225.00 | $214.00 | $216.00 | $218.80 |
Find Cheap Comprehensive Car Insurance in Oklahoma
Although a comprehensive car insurance policy is optional, you should consider buying it if you can afford to.
Comprehensive insurance is coverage that helps pay to replace or repair your vehicle if it’s stolen or damaged in an incident that’s not a collision.
If you don’t have comprehensive auto insurance, you will need to have enough money set aside to cover damage to your vehicle in the event of:
- Theft or theft of parts.
- Non-crash damage (natural disasters, fire, flooding).
- A broken windshield.
- Car damage from hitting an animal.
We have found that on average, the cost of full coverage auto insurance in Oklahoma is $304.50 per month.
The cheapest comprehensive auto insurance in Oklahoma is offered by CSAA and costs $224.40 per month.
Cheapest Full Coverage Car Insurance in Oklahoma |
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| Provider | Oklahoma County | Tulsa County | Cleveland County | Canadian County | Comanche County | Average |
| Bristol West | $392.00 | $381.00 | $390.00 | $407.00 | $353.00 | $384.60 |
| CSAA | $225.00 | $226.00 | $231.00 | $220.00 | $220.00 | $224.40 |
Cheap Car Insurance in Oklahoma for Drivers with Clean Driving Records
You can qualify for good driver car insurance rates if you have a history of safe driving.
If your motor vehicle record is free of accidents and claims, you represent a low risk for the insurance company, resulting in lower car insurance premiums in Oklahoma.
Drivers with a clean record are in a good position to find cheap auto insurance. Auto insurance companies consider good drivers to be people who:
- Have not been the cause of any car accidents.
- Have not committed traffic offenses.
- Have a good credit score.
- Have not been issued speeding tickets.
- Have no reckless driving charges.
- Have no DUI convictions.
Companies may offer one or both of two common types of good driver discounts:
- A discount for avoiding accident claims for a certain number of years.
- A discount for avoiding traffic violations for a certain number of years.
Examples of traffic violations include:
- Speeding.
- Failing to stop or yield.
- Failing to signal.
- Operating a vehicle without proper lighting.
If you are a new driver without enough driving experience to qualify for a good driver discount, you may wish to consider enrolling in an accredited defensive driving course to increase your road sense.
Defensive driving courses also help drivers remove Department of Motor Vehicles (DMV) points from their driving record, resulting in decreased insurance rates.
We found that on average, the cost of auto insurance in Oklahoma for good drivers is $279.20 per month.
The cheapest car insurance company for good drivers is CSAA with an average rate of $224.40 per month.
Cheapest Car Insurance for Good Drivers (Clean Driving Records) in Oklahoma |
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| Provider | Oklahoma County | Tulsa County | Cleveland County | Canadian County | Comanche County | Average |
| Bristol West | $340.00 | $331.00 | $338.00 | $352.00 | $309.00 | $334.00 |
| CSAA | $225.00 | $226.00 | $231.00 | $220.00 | $220.00 | $224.40 |
Affordable Car Insurance in Oklahoma for High-Risk Drivers
Car insurance companies use the term ‘high risk’ to describe drivers who are more likely to make a claim against their auto insurance policy.
Some of the offenses that may lead to being considered a high-risk driver include:
- Receiving a DUI conviction.
- Driving without meeting the minimum liability coverage requirements.
- A poor credit score.
- Unpaid insurance policy premiums.
If you are a high-risk driver, car insurance companies are likely to increase the cost of automobile insurance.
This is because you will be seen as someone who is more likely to have an accident than a good driver with a clean record.
On average, the price of car insurance for high-risk drivers in Oklahoma is $331.50 per month.
Cheap Insurance for Bad Drivers in Oklahoma (DUI, traffic ticket) |
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| Provider | Oklahoma County | Tulsa County | Cleveland County | Canadian County | Comanche County | Average |
| Bristol West | $280.00 | $271.00 | $276.00 | $290.00 | $253.00 | $274.00 |
| The General | $440.00 | $431.00 | $380.00 | $367.00 | $327.00 | $389.00 |
Inexpensive Car Insurance in Oklahoma for Young Drivers
Depending on your state’s laws, teens may be required to obtain car insurance as soon as they acquire a learner’s permit, even before getting a full driver’s license.
Teens can either have their own auto insurance or they can be added to their parents’ existing policy, which is the cheaper option.
Additionally, you may need to cosign for a teen to get their own insurance policy. Furthermore, they are likely to face higher premiums due to their increased risk as a new driver.
Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.
Generally, car insurance premiums decrease as drivers age. This trend is particularly noticeable after turning 25.
We’ve compared the cost of car insurance for young drivers to help you save on auto insurance costs.
The cheapest car insurance for young drivers in Oklahoma is offered by CSAA with average rates of $253.00 per month.
Cheapest Car Insurance for Young Drivers in Oklahoma |
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| Provider | Oklahoma County | Tulsa County | Cleveland County | Canadian County | Comanche County | Average |
| CSAA | $253.00 | $254.00 | $258.00 | $248.00 | $252.00 | $253.00 |
| The General | $459.00 | $468.00 | $414.00 | $403.00 | $357.00 | $420.20 |
| Bristol West | $367.00 | $352.00 | $362.00 | $389.00 | $319.00 | $357.80 |
| GAINSCO | N/A | $288.00 | N/A | $302.00 | $253.00 | $281.00 |
Need Cheap Car Insurance in Other States?
Out-of-state insurance is illegal in almost all U.S. states and is considered to be insurance fraud.
This means that your car must be registered in the state in which you live. Some of the penalties for committing insurance fraud include:
- Up to five years in prison.
- A $50,000 fine.
If you plan to move from Oklahoma, you will need to find a new car insurance company in the state you move to.
Typically, you’ll have a 90-day grace period to cancel your car insurance and purchase a new policy in your new state.
Top Tips for Finding Affordable Car Insurance
Consider how you use your car.
For short commutes to work or the grocery store, generally, most standard car insurance policies will suffice.
However, if your needs are more extensive, you should check whether your car insurance company covers your unique requirements. Some examples of these may include:
- Using your car for ridesharing.
- Using your car for work-related deliveries.
- Consolidating all of your insurance policies under one provider.
Take note of lender requirements
If your car is financed or leased, banks and other financial institutions are likely to require that you have liability insurance, comprehensive coverage, and collision insurance, which is full coverage car insurance.
Full coverage car insurance in Oklahoma protects your lender if you’re in a car accident or your car is stolen, and you can no longer afford to meet your monthly payments.
You should avoid allowing your car insurance to lapse, because single interest car insurance is much more expensive than standard car insurance.
Compare car insurance quotes from different car insurance companies
It’s always a good idea to shop around before making a decision about car insurance in order to find cheaper car insurance quotes.
Although you can do the research yourself, going through an insurance agent can save you a lot of time and money.
The only way to be completely certain that you’re getting the best rates is to compare cheap car insurance quotes from multiple insurers.
Key Point: Factors That Can Impact Your Cheap Rates in OklahomaYour car insurance premium can change over time as a result of certain events such as having an accident or having a poor credit score. Other events that may lead to an increase in your premium include: Insuring a teen driver: Adding a newly-licensed driver to your policy will cause your rate to increase. Getting a speeding ticket: In most cases, a speeding ticket conviction stays on your record for three years from the date your ticket is processed, during which time you will pay a higher car insurance rate. Getting into an at-fault accident: An at-fault accident can stay on your record for up to five years. Once an accident shows up on your record, your insurance provider may raise your insurance rate when you renew the policy. Being considered a high-risk driver: High-risk drivers are individuals who have been convicted of a DUI or caught driving uninsured. It also includes drivers with multiple at-fault accidents and speeding tickets on their record. The factors above often indicate to your insurance company that you may have a tendency to drive irresponsibly, making you a higher risk to insure. Being seen as a higher insurance risk will lead to an increase to your automobile insurance. |
Additional Factors That Can Raise or Lower Auto Insurance Quotes in Oklahoma
Insurance costs differ from person to person depending on what the insurance provider takes into account when calculating your policy’s premium.
- Credit score: You can expect to see cheaper insurance if you have a strong credit history.
- Deductible amount: You’ll save on your premiums if you choose a higher deductible, but if you get into an at-fault accident, you’ll have to pay more out of pocket each month.
- Discounts: If you take advantage of your provider’s discounts and other savings opportunities, you can lower car insurance in Oklahoma, like when you bundle your auto insurance with your renters insurance or homeowners policy.
Top Car Insurance Companies in Oklahoma
The General
The General is an auto insurance provider that operates in multiple states across the U.S.
The company was originally founded in 1963 and specializes in car insurance coverage for high-risk drivers.
The General Automobile is a subsidiary of PGC Holdings Corporation (PGC) which is an affiliate of American Family Insurance.
PGC has been writing automobile insurance in many states throughout the country for nearly 60 years. It is a leader in the low-cost auto insurance field and has a Better Business Bureau (BBB) Rating of A+.
Bristol West
Founded in 1973, Bristol West’s national footprint makes it one of the top ten biggest insurance companies in the U.S.
Bristol West was originally created to provide high-risk drivers with affordable insurance policies and has since expanded its services to all types of drivers.
Some of the benefits offered by Bristol West include:
- Multiple policy bundling discounts.
- Personalized car insurance policies.
- Rideshare coverage.
- Medical payments.
- Gap coverage.
- Towing and roadside assistance.
- Rental car reimbursement.
Automobile Insurance in Oklahoma FAQs
Do I need to have car insurance in the state of Oklahoma?
Yes. Minimum liability insurance is the least amount of coverage you must have in place to pay for any damages you cause in an accident.
State minimums and coverage types vary, but nearly all states that mandate insurance require liability coverage for bodily injury and property damage.
It’s essential for Oklahoma drivers to have the following minimum auto liability coverage:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident.
- Property damage liability coverage: $25,000 per accident.
What is the penalty for not having car insurance in Oklahoma?
Consequently, driving without insurance in Oklahoma can result in a $250 fine, as well as the suspension of your driver’s license and license plates.
If you don’t have proof of insurance at the time of an at-fault accident, your license will be suspended immediately.
Is it advisable to go for the cheapest auto insurance rates in Oklahoma?
The cheapest auto insurance may not be adequate because, in the event of an accident, you may not have enough spare cash to repair your car.
If you want to get increased coverage for more protection, you may be concerned that your financial situation won’t allow it.
In such a case, your insurance provider should be able to come up with an insurance plan that suits your budget and your needs.
How can I lower my car insurance rates in Oklahoma?
In addition to making sure that you are getting all the discounts you are entitled to, there are other ways to get cheaper car insurance in Oklahoma and save money.
To potentially lower your car insurance premiums, you can increase your deductible or pay your premium in full.
What factors affect how much I pay for auto insurance?
Your driving habits and claims history affect how much you pay for car insurance. In Oklahoma, companies can also consider your age, gender, credit history, and finally, marital status, when setting the price for auto insurance.
The type of car you drive, your annual mileage, and even external factors all influence the cost of insurance.
How do I decide which type of auto insurance to take?
Collision and comprehensive coverage are optional and may be unnecessary if you own an older car.
Usage-based insurance might be better than a standard policy for low-mileage drivers, and opting for a higher deductible or lower coverage limits costs less.
It is important to make informed choices so that you don’t end up paying for more car insurance than you need.
How Can I Find Cheap Vehicle Insurance Quotes in Oklahoma?
Finding cheap car insurance is not always easy, therefore we recommend comparing automobile insurance quotes from multiple insurance companies.
This can be a time consuming process, so let us help you. Simply enter your zip code at the top of this page or click the call now button to find the best car insurance deals in Oklahoma for your needs..
