The best car insurance in Oklahoma City, OK

Ed Zuccarelli

By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Published November 24, 2021

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The average cost of full coverage car insurance in Oklahoma City is $1,928, which is significantly less than the Oklahoma state average of $2,209. But Oklahoma City drivers can save even more by comparing quotes from several different companies before buying a policy.

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Policygenius makes it easy to see what you’d pay for coverage from top companies, so you can choose the policy that’s best for you and your budget.

Key Takeaways

  • USAA offers the lowest rates in Oklahoma City at an average annual cost of 1,049

  • 73012 is the ZIP code with the lowest average cost for full coverage car insurance at $1,972

  • Oklahoma requires a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

Cheapest car insurance companies in Oklahoma City, OK

Your age, driving record, and the type of car you drive, as well as your credit history, gender, and where you live all go into how much you’ll pay for car insurance. But car insurance costs can vary from company to company, even for the same driver, which is why it’s so important to shop around.

Company

Average cost

JD Power Rating

USAA

$1,049

890

State Farm

$1,143

881

GEICO

$1,160

871

AFR Insurance

$1,606

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Shelter Insurance

$1,745

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Cheapest car insurance rates by ZIP code in Oklahoma City, OK

The number of cars on the road and the number of accidents, tickets and claims in your neighborhood all affect what you’ll pay for coverage — that’s why drivers can pay different rates depending on where in Oklahoma City they live.

ZIP code

Average cost

73012

$1,972

73013

$2,092

73049

$2,051

73099

$2,006

73102

$2,290

73103

$2,234

73104

$2,246

73105

$2,288

Choosing the right car insurance company in Oklahoma City, OK

There’s no one right car insurance company for every driver in Oklahoma City. The right company for you is the one that offers you the most coverage at the lowest rates, and the only way to find that company is to shop around and compare options.

Policygenius can help you see rates from the best companies in your area, so you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Oklahoma City, OK

Any accidents or violations on your record will mean higher car insurance rates. Being a safe and careful driver is always the best way to keep costs low, but if you have a less than perfect driving record, you can still save money by comparing quotes to find your most affordable rates.

Violation

USAA

State Farm

GEICO

AFR Insurance

Shelter Insurance

At-fault Accident

$1,590

$1,334

$1,987

$2,879

$3,126

DUI

$2,049

$1,247

$2,149

$3,600

$3,016

Driving with a suspended license

$1,988

$1,247

$2,586

$2,744

$3,016

Driving with an open container

$1,459

$1,247

$2,149

$2,744

$3,016

Driving with expired registration

$1,405

$1,247

$1,286

$2,199

$2,180

Driving without Lights

$1,405

$1,247

$1,639

$2,199

$2,180

Failure to show documents

$1,405

$1,247

$1,286

$2,199

$2,180

Failure to stop at a red light

$1,405

$1,247

$1,639

$2,433

$2,503

Cheapest car insurance for drivers with bad credit in Oklahoma City, OK

Having a low credit score can drastically increase your rates, so Oklahoma City drivers with poor credit should take extra time to shop around and find affordable options.

Company

Rates for drivers with bad credit

GEICO

$1,635

USAA

$1,937

Oklahmoa Farm Bureau

$2,218

AFR Insurance

$2,543

Equity Insurance

$2,833

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Buying car insurance in Oklahoma City, OK

Oklahoma City drivers must have at least the minimum amount of car insurance required by the state. The coverage levels required by law in Oklahoma are:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

Although uninsured and underinsured motorist coverage is not required, Oklahoma law requires that insurance companies offer it. Remember that most drivers need more than the minimum amount of coverage required by the state in order to be fully protected in case of an accident.

How to get cheap car insurance in Oklahoma City, OK

  • Shop around. Compare rates from multiple companies before you buy a policy.

  • Know your discounts: Take advantage of savings for safe drivers, good students, or  paying your premium in full rather than in monthly installments

  • Bundle all your policies: Getting all your insurance policies (car, home, renters, or motorcycle) from the same company can mean savings on all of them

  • Reshop yearly: Shop around again before your policy renews to make sure you couldn’t be saving by switching companies

Frequently asked questions

Is car insurance required in Oklahoma, and what happens if I don’t have it?

Yes, all Oklahoma drivers must have car insurance. Driving without it can incur serious penalties. In Oklahoma, if you are asked by a law enforcement officer to produce proof of insurance and you don't have it, you could be subject to a fine of $250, 30 days of jail time, and possible suspension of your driver's license.

How often should I update my coverage?

You should update your coverage anytime you experience a life change that might affect your rates. Marriage, divorce, adding or removing a driver from your policy, or buying or selling a vehicle or home can all mean higher or lower rates. Changing your address with your insurance company can also affect your rates and may mean coverage changes.

I’m turning 25 soon, will my rates change?

Drivers turning 25 could see lower rates as a result, but a lot depends on your driving record and how long you’ve been licensed. As long as you’ve been a safe driver though, your rates should drop once you’re no longer in the highest-risk age group.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.