Compare car insurance in Oklahoma

Each state has its own driving laws and auto insurance requirements, and Oklahoma can be one of the priciest states for car insurance. Compare the state’s minimum coverage requirements, driving laws you should know about and how to get cheap car insurance in Oklahoma.

Most popular Oklahoma auto insurance companies list

How to get cheap car insurance in Oklahoma

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.

Average car insurance costs in Oklahoma

Depending on which city or town you live in, your monthly insurance costs can be affected by the place you call home. Factors include crime rates, climate, your commuting distance and average costs of living in your area. The average cost for car insurance in Oklahoma in 2017 was $123 per month, compared to $112 in Colorado and $97 in Illinois.

You tend to pay higher insurance costs to live and commute around a city like Tulsa or Oklahoma City than you would out in the country.

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.

• Yukon
• Broken Arrow
• Oklahoma City
• Lawton
• Tulsa

Does my credit score affect my insurance rates in Oklahoma?

Yes, it can. While factoring a person’s credit score into their car insurance rates is banned in California, Massachusetts and Hawaii, insurers in the 47 other states — including Oklahoma — can use your credit score as an indication of risk.

Independent studies conducted by the University of Texas and the Federal Trade Commission suggest that drivers with higher credit scores are less likely to file claims with their car insurance provider. In most US states, providers can use this information to assess risk when insuring drivers. This means that a higher credit score could translate into lower monthly rates, and vice-versa.

Oklahoma minimum car insurance requirements

To legally drive in Oklahoma, you’ll need liability insurance that includes at least property damage and bodily injury liability. When shopping for car insurance, you’ll sometimes see this written as 25/50/25. When it comes to uninsured/underinsured motorists (UM/UIM) coverage, Oklahoma is an opt-out state. Oklahoma insurance companies are required to offer you UM/UIM insurance, and you must sign a waiver to opt out of carrying it.

• $25,000 for injury or death to one person
• $50,000 for injury or death to more than one person
• $25,000 for damage to property

Can I get SR-22 insurance in Oklahoma?

Oklahoma is one of the few US states that doesn’t require SR-22 — a certificate that tells the state you have the minimum car insurance coverage required to get behind the wheel. Sometimes a state will require you to file this document after you’ve received a DUI, were ticketed for driving without insurance or accumulated so many points on your driving record. While Oklahoma doesn’t require it, you might need to keep your SR-22 insurance if you move here from a state that does require it.

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

• Is my out-of-state insurance policy acceptable 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.

• Will my rates go up if I file a claim through my car insurance?

  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.

• What about low cost insurance in Oklahoma?

  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.

• What are Oklahoma's teen driver policies?

  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.