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.
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
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.
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.
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.
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.
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.
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
Broken Arrow: $2,115
Midwest City: $2,208
Ready to shop car insurance?
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.
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:
Safe driver discount
Good student discount
Low mileage 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.
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.
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.
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.
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.