Cheap Car Insurance in Oklahoma

At ​​​​ 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.

There are more than 12,000 miles of road that make up Oklahoma’s major highway infrastructure, including state-operated highways, ten turnpikes (major toll roads), and the longest drivable stretch of Route 66 in the U.S.

Whether you’re a resident or a tourist traveling by car in Oklahoma, it’s important to make sure that you have adequate auto insurance.

Sooner Cruising: Updates & Insurance Insights for Oklahoma 2024

Get ready to explore breathtaking landscapes, vibrant cities, and rich history in Oklahoma with these key updates for drivers in 2024

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. (Source: Oklahoma Department of Public Safety)

Average Auto Insurance Rates in Oklahoma (2024):

(Sources: The Zebra, ValuePenguin)


Full Coverage

Minimum Coverage

State Farm












Liberty Mutual



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 the best deals on car insurance in the state, we’ve compared quotes from car insurers in these Oklahoma counties:

  • Oklahoma County.
  • Tulsa County.
  • Cleveland County.
  • Canadian County.
  • Comanche County.

The cost of auto insurance coverage is dependent on your individual driving profile.

This is why we’ve gone a step further and compared the cost of Oklahoma car insurance rates 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

Your auto coverage rates vary depending on where you live, what type of vehicle you drive, and on several other factors including your:

  • 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, which means that when an accident occurs, the auto insurance company of the person who caused the accident must pay for the injuries and damages caused.

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 considered to be the most affordable car insurance you can buy and it’s required in most states.

Auto liability insurance helps cover the costs of the other driver’s property and bodily injuries if you’re found to be at-fault in an accident.

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 to your own vehicle, or injuries sustained by you or your passengers.

If you’re found to be at-fault in a car accident and you do not meet the minimum coverage car insurance requirements, you will be held personally responsible for paying the other party’s medical bills, legal bills, and lost wages.

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

ProviderOklahoma CountyTulsa CountyCleveland CountyCanadian CountyComanche CountyAverage
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

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

ProviderOklahoma CountyTulsa CountyCleveland CountyCanadian CountyComanche CountyAverage
Bristol West$392.00$381.00$390.00$407.00$353.00$384.60

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 premiums.

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 car insurance for good drivers in Oklahoma 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

ProviderOklahoma CountyTulsa CountyCleveland CountyCanadian CountyComanche CountyAverage
Bristol West$340.00$331.00$338.00$352.00$309.00$334.00

Cheap 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, Oklahoma car insurance companies are likely to increase the cost of your 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 cost of car insurance for high-risk drivers in Oklahoma is $331.50 per month.

Cheap Insurance for Bad Drivers in Oklahoma (DUI, traffic ticket)

ProviderOklahoma CountyTulsa CountyCleveland CountyCanadian CountyComanche CountyAverage
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

Cheapest Car Insurance in Oklahoma for Young Drivers

Depending on your state’s laws, teens may need to have insurance as soon as they get their learner’s permit, ahead of getting a regular 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.

You may still have to cosign for a teen to get their own policy, and they’re likely to pay higher premiums owing to their higher risk status 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.

On average, most drivers will see their rates become less expensive as they get older, with a significant decrease once they’ve turned 25 years old.

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
ProviderOklahoma  CountyTulsa CountyCleveland CountyCanadian CountyComanche CountyAverage
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

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 insurance 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.

You will usually have a 90-day grace period to cancel your car insurance and get car insurance in your new state.

To find the best insurance rates in other U.S. states, read our articles below:

Top Tips for Finding Affordable Car Insurance

Consider how you use your car

If you only use your car to drive short distances like to work or the grocery store, most types of standard car insurance should cover your needs.

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.

Full coverage car insurance 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 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 the cheapest 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 car insurance quotes from multiple insurers.

Key Point: Factors That Can Impact Your Cheap Rates in Oklahoma

Your 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 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 in your premium.

Additional Factors That Can Raise or Lower Your Premium

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 some of the cheapest rates 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 your rates, like when you bundle your auto insurance with your renters 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+.

Enter your zip code at the top of this page to start your free quote!

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.

Car 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?

If you’re caught driving without insurance in Oklahoma, you may have to pay a $250 fine, and your driver’s license and license plates can be suspended.

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.

You can raise your deductible and/or you can pay your premium in full. Improving your credit score and maintaining a clean driving record may also help you get a cheaper car insurance rate.

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, marital status, and more when setting premiums.

The car you drive, your annual mileage, and even some factors beyond your control all impact the price 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, with the help of your insurance provider, to make informed choices so that you don’t end up paying for more car insurance than you need.

How Can I Find Cheap Car Insurance in Oklahoma?

Finding cheap car insurance is not always easy and we recommend comparing insurance quotes from multiple companies.

This can be a time-consuming process, so let us help you. Simply enter your zip code at the top of this page to find the best deals for your needs.

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.

However, due to its location in Tornado Alley, Oklahoma has high car insurance rates. Therefore, if you’re looking to get cheap car insurance, you’ll need to do a little digging. Start by getting a free quote from Cheap Insurance.

Quick Oklahoma Car Insurance Facts

  • Oklahoma has a minimum coverage requirement known as the 25/50/25 rule.
  • The average cost of full auto insurance coverage in Oklahoma is $1,873 per year.
  • The cost of minimum coverage is roughly $423 per year.
  • Approximately 13.4% of Oklahoma drivers are uninsured.
  • Oklahoma is an at-fault state.

Minimum Oklahoma Car Insurance Coverage

Information about minimum car insurance coverage requirements in Oklahoma can be found on the state’s Insurance Department website.

Oklahoma requires minimum insurance for bodily injury and property damage liability. If you drive in the state, be prepared to carry at least the following auto insurance coverages:

Property damage: $25,000 coverage for a single accident

Bodily injury/death: $25,000 per person, $50,000 per accident

Getting Cheap Car Insurance In Oklahoma

Cheap car insurance in Oklahoma may be hard to find compared to other states. Here are some tips that can help:

  1. Get quotes from multiple car insurance providers: You’re not married to your insurance agent. Get quotes from other sites, such as Cheap Insurance. If you find a better deal, take it.
  2. Review your coverage: While many drivers don’t have enough car insurance coverage, some have too much. You don’t need a ton of coverage if you have an older vehicle you may replace in a few years anyway. Take a look at your coverage to see what you can drop.
  3. Plan a move: If you’ve always wanted to move to the country, now might be a good time to live your dream. It could save you money, as rates are lower in rural areas.

Oklahoma Car Insurance Discounts

Oklahoma car insurance coverage can be expensive, so you’ll want to find ways to save as much money as possible. Here are some discounts to look into:

Good Driver: Drivers with no tickets, accidents, or claims can save 10% or more.

Good Student: Young drivers who have at least a 3.0 GPA in school may be able to save at least 10%.

Auto Pay/Online Billing: Get rid of statements in the mail and pay automatically to save the most money.

Pay as You Go: Some car insurance providers allow you to pay as you go. You pay based on the mileage you actually drive. However, your driving will be monitored, so this may not be the best option.


What is the average car insurance cost in Oklahoma?

The average cost for car insurance coverage in Oklahoma is $1,873 per year.

How much is car insurance per month in Oklahoma?

The average cost for car insurance coverage in Oklahoma is approximately $156 per month.

What is the penalty for driving without insurance in Oklahoma?

You will face a license suspension of up to 30 days and up to $250 in fines.

What is driving like in Oklahoma?

Oklahoma sees cold temperatures and snow in the winter, so driving can be a little challenging during this time. Oklahoma City, the state’s capital, sees a lot of traffic. Other areas aren’t as crowded.

How can I save money on my car insurance policy in Oklahoma?

Cheap car insurance in Oklahoma is possible if you follow these tips:

  • Get rid of extra coverage. You may not need rental car coverage if you have an extra vehicle already at home. You might not need collision coverage on an older car. Go through your policy and get rid of what you don’t need.
  • Install an anti-theft device. A car alarm or steering wheel lock may save you around 25%. Talk to your agent to learn more.
  • Talk to your agent. Many discounts are available, including those for being loyal, safe driving, good grades, alternate payment methods, military service, and more. Ask your agent to see what you qualify for.

Other Types of Coverage

Each state offers different types of car insurance coverages. Here are some other types of coverage you may want to consider if you drive in Oklahoma:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional kinds of coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement
  • Gap insurance

Cities We Cover In Oklahoma

Cheap car insurance is possible when you get a quote from Cheap Insurance! We operate in these cities in Oklahoma: