The best car insurance in Oklahoma City, OK

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

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.

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.

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
73106	$2,263
73107	$2,277
73108	$2,241
73109	$2,254
73111	$2,305
73112	$2,204
73114	$2,275
73116	$2,194
73117	$2,287
73118	$2,306
73119	$2,242
73120	$2,252
73121	$2,257
73127	$2,260
73128	$2,177
73129	$2,239
73131	$2,199
73132	$2,241
73134	$2,237
73135	$2,201
73139	$2,225
73142	$2,218
73145	$2,174
73149	$2,274
73150	$2,161
73151	$2,178
73159	$2,237
73162	$2,231
73163	$2,261
73165	$2,131
73167	$2,199
73169	$2,144
73170	$2,118
73173	$2,156
73179	$2,164
73190	$2,356
73195	$2,243
74857	$2,053

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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	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
Suspended license	$1,988	$1,247	$2,586	$2,744	$3,016
Open container	$1,459	$1,247	$2,149	$2,744	$3,016
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
Not showing documents	$1,405	$1,247	$1,286	$2,199	$2,180
Running a red light	$1,405	$1,247	$1,639	$2,433	$2,503
Failure to yield	$1,405	$1,247	$1,639	$2,433	$2,180
Following too closely	$1,405	$1,247	$1,639	$2,433	$2,503
Hit and run	$2,108	$1,247	$2,327	$3,600	$3,016
Illegal turn	$1,405	$1,247	$1,639	$2,433	$2,503
Improper passing	$1,405	$1,247	$1,639	$2,433	$2,503
Not-at-fault accident	$1,116	$1,160	$1,207	$1,631	$2,007
Passing a school bus	$1,459	$1,247	$2,252	$2,433	$2,503
Racing	$2,049	$1,247	$2,473	$2,744	$3,016
Reckless driving	$1,459	$1,247	$2,473	$2,744	$2,503
Speeding	$1,405	$1,247	$2,473	$2,199	$2,503

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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.

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

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.