Oklahoma drivers pay an average of $1,123.61 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $93.63 per month. Oklahoma drivers pay about 6% less than the countrywide national average of $1,189.64.
The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.
Oklahoma car insurance quick facts
Minimum liability requirements
25/50/25
Average annual car insurance cost according to the NAIC
$1,123.61
At-fault state
In at-fault states, the driver who caused the accident pays for damages.
Oklahoma state minimum car insurance requirements
Drivers in Oklahoma are required to carry a minimum amount of liability coverage to legally drive.You may see it written as 25/50/25, but we’ll break down what that means.
Oklahoma bodily injury liability
$25,000 bodily injury liability per person
$50,000 bodily injury per accident
Oklahoma requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.
This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.
Oklahoma property damage liability
$25,000 property damage liability
Oklahoma requires drivers to carry $25,000 of property damage liability to legally drive. This is on the higher end of required property damage limits across the US, though a common requirement.
This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.
Finder tip: Oklahoma state minimum coverage isn’t enough
These state-mandated requirements are the lowest amount of coverage you need to legally drive in Oklahoma, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.
Cheapest rates by age in Oklahoma
If you want to pay sub-$200 per month as a young driver, you’ll want a quote from Allstate.
However, for other ages, the cheapest company jumps back and forth between Allstate and Progressive. You may want a quote from both companies to find the best deal for you.
Age
Allstate
Progressive
Geico
USAA
16-24
$138.90
$199.96
$203.98
$196.31
25-34
$119.07
$133.62
$139.44
$144.73
35-44
$119.12
$114.36
$130.06
$156.29
45-54
$123.51
$114.48
$122.59
–
Cheapest rates by gender in Oklahoma
Again, both men and women may fare the best with Allstate over other major companies serving Oklahoma.
You also can join Allstate’s Drivewise or rewards programs to save even further. Drivewise is a program that tracks your driving and rewards you if you’re a safe driver.
Men
$110.82
$143.31
$143.56
$160.40
Women
$126.06
$128.22
$142.21
$158.57
Sample rates in Oklahoma from major car insurance companies
Allstate offers the best value across a variety of drivers, costing up to $42 per month less in some cases. We came to this conclusion based on sample car insurance quotes from Savvy.
Company
Allstate
Progressive
Geico
USAA
Rate
$117.59
$135.77
$142.88
$159.67
Best car insurance in Oklahoma
Oklahoma car insurance prices may stick close to the nation’s average. However, you may find a better deal by shopping around the many brand-name and regional companies that serve this state.
Check out our top choices that we vetted for coverage, discounts, perks and ratings. We looked at ratings from J.D. Power, Better Business Bureau, AM Best and the National Association of Insurance Commissioners.
Progressive's rates trend on the low end across major insurance companies for many drivers. It also offers coverage perks or add-ons that you won't find everywhere like accident forgiveness, no-deductible glass repairs, gap and rideshare coverage.
We also like its user-friendly online tools like its pricing tool and mobile app. The Name Your Price tool lets you set a car insurance cost that fits your budget and then advises you on how much coverage you can get for that price. In addition, customers enjoy Progressive's insurance app, which garners 4.5 of 5 stars from app store reviews.
Pros
No. 3 largest car insurance company, showing customer trust
Competitive rates for many drivers
Save 30% or more by tracking driving or staying claim-free
Pricing tool helps you buy a policy that fits your budget
Cons
Slow to respond to complaints
Must be a 5-year customer to qualify for accident forgiveness
Nationwide's SmartMiles policy could save you big bucks off your car insurance bill if you're a low mileage driver. The policy works by charging you a monthly base rate and a per-mile rate like five or seven cents per mile.
For example, Nationwide claims that it can save around $40 per month over a traditional policy if you drive 500 miles that month. When you choose Nationwide, you're backed by a reputable brand with solid finances and claims history for peace of mind.
Pros
Experienced brand with nearly 100 years in industry
If you like going local, Shelter is a solid option. The company ranks at the top in J.D. Power's auto insurance study in the Central region, which includes Nebraska.
You won't have to sacrifice on coverage or discounts by going with Shelter. The company offers all the mainstays of national brands. It even includes roadside assistance and will replace your car with a new one if it totaled and if under a year old and 15,000 miles.
Pros
No. 1 for customer satisfaction by J.D. Power in Central US
Roadside assistance &
new car replacement included in policy
Personalized service through local agents
Cons
Can't finish your application online
App ratings are average
Roadside assistance
Included free
7 factors that affect your car insurance premium in Oklahoma
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is, the less you pay. And the riskier you are, the more you’ll pay. We’ll break down Oklahoma’s rating factors to keep in mind.
Factor
How it affects your rates
Age
How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20s with drivers over 50 paying the least.
Gender
Oklahoma takes gender into account when determining your rates. On average, men in Oklahoma pay slightly less for car insurance than women. The average annual premium across all age categories for men is $1,513, while women pay an average of $1,528.
Location
Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.
When it comes to vehicle theft, Oklahoma is higher than the national average. For every 100,000 inhabitants, approximately 378 vehicles were stolen, according to Statista. The national average across the US is 246 cars for every 100,000 inhabitants.
As for uninsured drivers, 13.4% of Oklahomans on the road are uninsured. That ranks the state 18th out of 50 states for uninsured drivers, according to Insurance Information Institute.
Vehicle and mileage
Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.
Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.
And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. According to the Bureau of Transportation, Oklahomans drive around 45 miles per day, which is over the national average of 36.1 miles per day.
Credit score
Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.
Oklahoma insurers charge the highest coverage rates for drivers with poor credit histories. Drivers with good credit scores pay an average monthly rate of $193 while drivers with poor credit pay an average of $208 monthly. That’s an average of $180 more per year.
Coverage
The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. If you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too. Higher deductibles mean lower monthly premiums.
Low coverage costs in Oklahoma average to about $352 yearly, whereas high coverage can be anywhere around $1,496 on average.
Driving Record
The better your record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. A DUI in Oklahoma can increase your rate by an average of 44%. These types of violations typically stay on your record for about five years.
Oklahoma drivers with a clean driving record pay approximately $1,979 annually — or $378 less per year on average — than Oklahoma drivers with one speeding violation.
What happens if I need an SR-22 in Oklahoma?
Oklahoma is one of a few states that don’t require an SR-22 after major violations. However, you can get other steep penalties for violations, such as getting your license suspended for six months to a year depending on your offense. Insurance companies consider you a higher risk if you have violations on your record. If so, expect to see higher premiums than the average driver in the state.
Coverage that we recommend in Oklahoma
The point of car insurance is to protect you financially if you have major accident-related expenses. However, Oklahoma’s car insurance requirements don’t cover some common accidents. Think about boosting your policy with these additions.
Higher liability limits help with major accidents
If you hit another car, Oklahoma’s required liability insurance should work for minor damage, but it may not be enough for serious injuries or going to court. You can’t control how serious the car damage or injuries are in a car accident. Protect yourself from all the possibilities by asking your insurance agent about the right liability limits for you.
Collision coverage brings a lot of cost-benefit
Oklahomans roam across more miles than the average US driver, and more driving means that you have a higher chance of getting in an accident. If you’re the cause of the accident, you’d need collision coverage if you want insurance to pay for your car’s repairs.
Since most drivers in the state pay nearly $30 per month based on NAIC averages, you can get a lot of value from adding collision coverage. For example, let’s say that you wreck your car and need $1,500 for repairs. You’d have to save your monthly premium for over four years to recoup costs if you paid out of pocket. Opt for collision coverage rather than saving for years on end.
Consider this coverage if . . .
You drive a lot and rely on your car.
You have an auto loan, and it requires full coverage.
You don’t have the savings to pay for car repairs.
Comprehensive coverage for peace of mind about theft
Since Oklahoma owners get their cars stolen over 1.5 times more than in other states, you may want comprehensive coverage to recover if this scenario happens to you. Plus, this coverage protects you against many damages outside of vehicle collisions, including theft, vandalism, severe weather, icy roads or rocks cracking your windshield.
Consider this coverage if . . .
Your auto loan requires it.
You can’t pay for major car repairs on your own.
You live in an area known for theft or crime.
You live in a rural part of Alaska with large wildlife.
Your area sees harsh weather.
Top 10 auto insurance companies in USA that serve Oklahoma
We’ve pulled the top 10 companies by market share that offer coverage in Oklahoma according to S&P Global. Compare top companies by three major rating agencies along with our overall score.
Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
With so many car insurance providers offering many options, it’s hard to narrow down what you might need. That’s before you add in your specific driver history, vehicle and state.
Generally, Oklahoma is among the top 15 most expensive states to insure your car. To find the cheapest car insurance, find a provider that can offer you the best deal for you. And if you don’t have a clean record, look into providers that specialize in high-risk drivers, like The General or Direct Auto.
Looking for ways to save money on your auto insurance in Pennsylvania? No matter what state you’re in, read our general tips to lower your car insurance rates and get a better value out of your coverage in our comprehensive guide to car insurance.
Which city has the cheapest car insurance in Oklahoma?
Of Oklahoma’s largest cities, Lawton has the cheapest rates and Broken Arrow has the most expensive car insurance rates. Broken Arrow drivers could face rates 2 times more than Lawton drivers.
Oklahoma is an at-fault state, which means that the driver who caused the car accident pays for the damage. Your insurance company and legal authorities will determine who’s at fault, based on the accident details.
However, Oklahoma also looks at whether both drivers are partially at fault under its modified comparative fault law, according to the legal website Nolo. Under this law, drivers can get reimbursed for their damages as long as they don’t share more of the fault than other drivers.
For example, if you’re 80% at fault for an accident, your insurance will pay for the other driver’s damages. However, since you’re more at fault than the other driver, that driver isn’t required to pay for your damages.
Bottom line
Although you’ll find alternative options to car insurance in Oklahoma, it’s usually a good idea to carry a personal policy. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.
Frequently asked questions about car insurance in Oklahoma
Your out-of-state insurance policy is typically not accepted in Oklahoma. If you’re driving through the state or staying there for a short vacation, you probably won’t run into any issues. If you move to the state, make sure you register your car within 30 days of establishing residency.
Your rates may increase if you file a claim through your car insurance. Most providers reserve the right to not renew your policy at the end of its terms for policyholders who file multiple claims in a short time or engage in risky driving behaviors and multiple tickets or DUIs. You’ll typically receive notice from your car insurance company before it plans to drop your policy.
If you cannot afford liability insurance or standard providers are rejecting you because of too many past claims or violations, you may be eligible for the Oklahoma Automobile Insurance Program. Learn more by calling 405-842-0844.
Oklahoma teen drivers can start driver training and get a provisional permit at 15½ years old if they’ve received instruction in or have completed a driver education course. Otherwise, they must wait until they’re 16 years old. New drivers must have a provisional permit for at least six months before applying for an intermediate license and taking a driving test. Then, after having their intermediate license for six months, they can graduate to an unrestricted license.
Megan B. Shepherd is a personal finance editor at Finder where she helps people navigate the financial world of loans.
Her personal finance expertise has been featured on Forbes, Nasdaq, MediaFeed, Fox News, Time, Reviews.com, and carinsurance.com, adding invaluable information related to personal loans, financial strategies and smart borrowing tactics.
Megan graduated from the University of Texas at Dallas with a BS in Business Administration with an entrepreneurial focus. She's worked as a certified financial adviser and has earned certificates of completion from A.D. Banker & Company.
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