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Cheap car insurance in Oklahoma
How to get the best car insurance in Oklahoma
How much is 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.
Oklahoma
Car insurance quick facts
25/50/25
Minimum liability requirements
$1,500
Average annual car insurance cost
30
Days to update your license
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Compare Oklahoma car insurance providers
Most popular Oklahoma auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| State Farm | $663,648 | 24.0% |
| Farmers | $304,302 | 11.0% |
| Progressive | $294,309 | 10.6% |
| Geico | $213,328 | 7.7% |
| Allstate | $201,116 | 7.3% |
| USAA | $183,708 | 6.6% |
| Liberty Mutual | $173,023 | 6.2% |
| OK Farm Bureau | $106,328 | 3.8% |
| Shelter | $97,014 | 3.5% |
| AAA | $91,817 | 3.3% |
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.
Cheapest car insurance in Oklahoma
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.
Car insurance quotes in Yukon
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1570 |
| Farmers | $1448 |
| Safe Auto | $1541 |
| Progressive | $1969 |
| Geico | $2056 |
Car insurance quotes in Broken Arrow
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1820 |
| Farmers | $1465 |
| Safe Auto | $1650 |
| Progressive | $2053 |
| Geico | $2360 |
Car insurance quotes in Oklahoma City
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1756 |
| Farmers | $1506 |
| Safe Auto | $1747 |
| Progressive | $1928 |
| Geico | $2096 |
Car insurance quotes in Lawton
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1574 |
| Farmers | $1122 |
| Safe Auto | $1354 |
| Progressive | $1797 |
| Geico | $1787 |
Car insurance quotes in Tulsa
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1816 |
| Farmers | $1605 |
| Safe Auto | $1804 |
| Progressive | $2157 |
| Geico | $2222 |
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.
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Frequently asked questions about car insurance in Oklahoma
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