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:
- 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.
- 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.
- 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:
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