The best car insurance in Oklahoma City, OK

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Ed ZuccarelliEd ZuccarelliFreelance contributorEd 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.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average cost of full coverage car insurance in Oklahoma City is $1,956, which is more than the Oklahoma state average of $1,713. But Oklahoma City drivers can still save 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 $1,758.

  • 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

$1,138

882

GEICO

$1,399

874

AFR Insurance

$1,527

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Progressive

$1,725

861

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

$1,758

73099

$1,781

74857

$1,846

73049

$1,859

73013

$1,864

73173

$1,891

73165

$1,892

73170

$1,892

73145

$1,900

73128

$1,907

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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

Progressive

At-fault accident

$1,590

$1,311

$2,135

$2,732

$2,930

DUI

$2,049

$1,222

$2,301

$3,419

$2,026

Suspended license

$1,988

$1,222

$2,773

$2,606

$2,513

Open container

$1,459

$1,222

$2,301

$2,606

$2,026

Expired registration

$1,405

$1,222

$1,538

$2,088

$2,375

Driving without lights

$1,405

$1,222

$1,950

$2,088

$2,375

Running a red light

$1,405

$1,222

$1,950

$2,310

$2,375

Following too closely

$1,405

$1,222

$1,950

$2,310

$2,375

Hit and run

$2,108

$1,222

$2,930

$3,419

$2,513

Not-at-fault accident

$1,116

$1,155

$1,444

$1,550

$1,900

Passing a school bus

$1,459

$1,222

$2,665

$2,310

$2,375

Reckless driving

$1,459

$1,222

$2,930

$2,606

$2,513

Speeding

$1,405

$1,222

$2,930

$2,088

$2,296

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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

USAA

$1,937

GEICO

$1,964

Farm Bureau

$2,318

AFR Insurance

$2,417

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.

Is car insurance cheaper in Oklahoma?

No, drivers in Oklahoma pay more than the national average for car insurance. The average premium for car insurance in Oklahoma is $1,713 per year.

What is the penalty for not having car insurance in Oklahoma?

Uninsured or underinsured drivers in Oklahoma should expect a $250 fine and a suspended license. There may be additional punishments as well, depending on the situation, so it is important to make sure you have at least the minimum amount of insurance required by law.

How much is car insurance per month in Oklahoma?

Drivers in Oklahoma pay an average of $1,713 per year for car insurance, which breaks down to $143 per month.

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.

Authors

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.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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