The best car insurance in Oklahoma

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Published November 18, 2021

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The average cost of a full coverage car insurance policy in Oklahoma is $1,928. But rates vary from driver to driver, and what you’ll actually pay for car insurance will depend on everything from your age to your credit score to your driving history.

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The best way to find affordable car insurance coverage is to compare quotes from at least a few companies before you buy a policy. Policygenius can help you see what you’ll pay with top companies, so you can choose the option that’s best for you.

Key Takeaways

  • According to our analysis USAA is the cheapest car insurance company Oklahoma at an average of $949 a year for full coverage

  • AFR Insurance has the best rates in Oklahoma for teenage drivers

  • The violation that will increase your rates the most is a DUI

Cheapest car insurance companies in Oklahoma

Most insurance companies use the same information to calculate your insurance premiums, but because they all have different ways of doing it, rates can vary widely from company to company.

Company

Average cost

JD Power Rating

USAA

$949

890

State Farm

$1,069

881

GEICO

$1,138

871

AFR Insurance

$1,303

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Shelter Insurance

$1,476

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Cheapest car insurance companies by age in Oklahoma

Young and inexperienced drivers are more expensive to insure, because they’re more likely to have an accident and need to file a claim. Once drivers turn 25, they’ll typically see their rates go down, as long as they’ve kept a clean driving record.

Age

Cheapest company

Average cost

16

AFR Insurance

$2,748

18

AFR Insurance

$2,020

21

USAA

$1,382

25

USAA

$1,106

30

USAA

$994

35

USAA

$952

45

USAA

$899

55

USAA

$864

Choosing the right car insurance company in Oklahoma

Every driver is unique and every car insurance company calculates the rates slightly differently. That’s why the only way to find the right company for you is to compare quotes from three or more companies before picking a policy.

Policygenius can help you see quotes from top car insurance companies in Oklahoma, so you can feel confident you’re getting the coverage you need at a price that works for you.

Car insurance rates for drivers with driving violations in Oklahoma

Any accidents or moving violations on your recent driving history will mean higher car insurance rates. Drivers who have had a serious violation, such as a DUI, may find it difficult to find affordable insurance at all. 

The good news for drivers with a spotty record is that car insurance companies generally only consider the past three to five years of your driving history, so accidents and violations will eventually “fall off” your record and your rates may go back down.

Violation

USAA

State Farm

GEICO

AFR Insurance

Shelter Insurance

At-fault Accident

$1,432

$1,223

$1,903

$2,283

$2,610

DUI

$1,854

$1,156

$2,042

$2,797

$2,555

Driving with a suspended license

$1,800

$1,156

$2,454

$2,162

$2,555

Driving with an open container

$1,327

$1,156

$2,042

$2,162

$2,555

Driving with expired registration

$1,274

$1,156

$1,275

$1,758

$1,838

Driving without Lights

$1,274

$1,156

$1,626

$1,758

$1,838

Failure to show documents

$1,274

$1,156

$1,275

$1,758

$1,838

Failure to stop at a red light

$1,274

$1,156

$1,626

$1,932

$2,113

Cheapest car insurance for drivers with bad credit in Oklahoma

Bad credit means higher rates, while a good credit score can help you get more affordable coverage. If you know your credit score is poor, take extra time to shop around and make sure you’re getting rates possible.

Company

Rates for drivers with bad credit

GEICO

$1,618

USAA

$1,756

Oklahmoa Farm Bureau

$1,977

AFR Insurance

$2,059

Equity Insurance

$2,405

Car insurance costs in Oklahoma cities

Crime rate, population density, the numbers of accidents and claims and even the average cost of car repairs in your city will all affect what you’ll pay for car insurance. Here’s what drivers pay for coverage in the 10 biggest cities in Oklahoma:

  • Oklahoma City: $2,209

  • Tulsa: $2,231

  • Norman: $2,022

  • Broken Arrow: $2,115

  • Edmond: $2,020

  • Lawton: $1,863

  • Moore: $2,112

  • Midwest City: $2,208

  • Stillwater: $1,934

  • Enid: $1,786

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Buying car insurance in Oklahoma

Oklahoma drivers must have at least a minimum amount of  car insurance. 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

Oklahoma is an at-fault state. After an accident has been reported, the driver found at-fault for the accident is financially responsible for any damage or injury to the other driver, and all claims will be filed with the at-fault driver’s insurance.

It’s a good idea to have more than the state minimum amounts of insurance, so you don’t wind up with the bill if you cause an expensive accident that exceeds your coverage limits.

How to get cheap car insurance in Oklahoma

Discounts are a simple way to help save on car insurance costs, and all companies offer at least a handful of discounts. Some of the most common include:

  • Bundling discount

  • Safe driver discount

  • Good student discount

  • Accident-free discount

  • Paid-in-full discount

  • Multi-car discount

  • Low mileage discount

  • Military discount

If you are not eligible for any discounts, you can still find the cheapest rates by comparing quotes from different and reshopping every year or so when your policy is up for renewal, to make sure you’re not missing out on cheaper rates from another company.

Frequently asked questions

Do I have to have car insurance in Oklahoma?

You do need car insurance in Oklahoma. If you’re caught driving uninsured, you may be ordered to pay a fine, have your license suspended, and even serve up to 30 days in jail.

Do I need uninsured/underinsured motorist coverage?

While you aren’t legally required to have uninsured/underinsured motorist coverage, this will protect you in the case of an accident when the other driver is at fault but doesn’t have enough coverage to pay for the damage they caused. Without this, you may find yourself having to pay out of pocket for repairs and medical bills.

Who has the lowest rates in Oklahoma?

USAA offers the lowest average rate in Oklahoma, but remember that rates can vary widely based on your individual details, and comparing coverage is the only way to make sure you have the best rate.

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.