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
Suspended license
$1,800
$1,156
$2,454
$2,162
$2,555
Open container
$1,327
$1,156
$2,042
$2,162
$2,555
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
Not showing documents
$1,274
$1,156
$1,275
$1,758
$1,838
Running 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.
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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.
Is car insurance cheaper in Kansas or Oklahoma?
Car insurance rates are higher in Oklahoma than they are in Kansas. Drivers in Oklahoma pay an average of $1,928 per year for car insurance, while drivers in Kansas pay an average of $1,604 per year.
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.
How much is car insurance per month in Oklahoma?
Drivers in Oklahoma pay an average of $1,928 per year for car insurance, which breaks down to $160.67 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.
