Oklahoma Auto Insurance (2024)
You'll get the cheapest Oklahoma auto insurance if you only need to meet minimum coverage requirements, which cost around $45/mo. However, you can still get cheap full coverage Oklahoma car insurance by comparing rates from the top companies. Below, we'll help you find the cheapest auto insurance in OK.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Oklahoma car insurance requirements include bodily injury and property damage liability coverage
- Severe driver infractions make it harder to get cheap auto insurance in OK
- Drivers should compare multiple Oklahoma auto companies’ rates to ensure they get the best deal
Average Oklahoma auto insurance rates are slightly above the national average, averaging $123 monthly. However, drivers can still find cheapauto insurance in Oklahoma by comparing companies and maintaining a clean driving record.
Read on to learn more about finding cheap car insurance in OK, from the cheapest minimum liability insurance rates to how DUIs affect Oklahoma insurance rates. Then, enter your ZIP code above to find the cheapest auto insurance in big cities such as Tulsa, OK.
19,116 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
6,435 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
17,759 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviewsFree Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheap Oklahoma Auto Insurance Rates
Numerous factors affect your auto insurance rates, from driving record to location. However, comparing company rates based on major factors can help you find affordable Oklahoma auto insurance. We’ve outlined some of the factors and resulting company rates below.
Cheapest Auto Insurance in OK for Liability
Minimum liability auto insurance is the cheapest option for drivers. However, drivers should only carry the minimum amount if they can afford the financial costs of their own accident bills and other drivers’ bills exceeding the minimum insurance limits.
The cost of minimum liability insurance varies greatly by company, as shown in the average rates below.
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
According to our USAA auto insurance review and our Geico auto insurance review, these two are some of the cheapest companies in Oklahoma for minimum liability insurance, costing hundreds of dollars less than companies like Progressive and Allstate.
Cheapest Auto Insurance in OK for Full Coverage
Full coverage auto insurance is more expensive, but you can reduce Oklahoma auto insurance rates by comparing companies’ rates. Full coverage also better protects you from expensive bills after an accident, so it’s usually well worth the extra money for full coverage.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
USAA, Geico, and State Farm costs $1,000 less on average than companies like Allstate, showing the importance of shopping for car insurance.
Cheapest Auto Insurance in OK With Bad Credit
Most insurers charge drivers with bad credit more than those with good credit. Insurance companies view bad credit drivers as higher risk, meaning they’re more likely to miss payments and drive without insurance after it gets canceled for non-payment. Managing your auto insurance policy includes keeping up on payments.
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
Car insurance rates can increase drastically when drivers have poor credit scores. USAA and State Farm are still some of the cheapest auto insurance companies for drivers with bad credit, whereas Allstate is one of the most expensive, by over $1,000.
Cheapest Auto Insurance in OK With an Accident
An at-fault accident results in higher rates since insurers see you as a high-risk driver. However, the amount of your rate increase depends on your company.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
As you can see from the average rates above, you could save hundreds of dollars by switching to a different company. Also, some companies may not raise rates after your first at-fault accident if the company offers accident forgiveness.
Cheapest Auto Insurance in OK With a DUI
Similar to at-fault accidents, DUIs raise your insurance rates significantly. Oklahoma car insurance rates can increase by over $1,000 after a DUI at some companies.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
While Geico is one of the cheapest insurers for drivers without major infractions, it’s one of the priciest companies offering auto insurance for drivers with a DUI. So if you get a DUI — even with a cheaper company — make sure you are getting the best auto insurance for drivers with DUIs.
Cheapest Auto Insurance in OK for Young Drivers
Young drivers often pay the most expensive rates for car insurance, as their driving inexperience makes them high risk. It’s cheapest for young drivers to join their parent’s policy. But if young drivers need their own policy, it’s vital to compare rates to find the best car insurance for teens and young drivers.
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
Progressive’s average rates for young drivers are well over $7,000, whereas companies like USAA and Geico cost several thousand dollars less than Progressive.
Cheapest Auto Insurance in OK by City
Area factors like crime, crash statistics, and weather can impact car insurance rates. Tulsa is one of the more expensive cities for car insurance in Oklahoma. But the average rates in Tulsa are only a few hundred dollars more than one of the cheapest cities in Oklahoma, which isn’t bad. However, comparing rates can help you find cheap Tulsa, OK, auto insurance.
Oklahoma Auto Insurance Laws
Every state’s auto insurance requirements and laws differ from others, affecting insurance prices. For example, if you live in a state with heavier DUI penalties or higher minimum insurance limits, you’ll pay more than in a state with less stringent requirements.
Oklahoma Minimum Auto Insurance Requirements
To drive legally in Oklahoma, all drivers must carry bodily injury liability insurance and property damage liability insurance in the following amounts:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $25,000 per accident
Drivers should carry higher liability amounts if they can afford it. For example, if you total someone else’s car worth more than $25,000, minimum liability amounts won’t fully cover the bill.
Optional Oklahoma Auto Insurance Coverages
If you have a car lease or loan, your lender will require you to carry comprehensive and collision insurance. However, the state of Oklahoma only requires liability insurance, meaning the following coverages are optional for Oklahoma drivers:
- Comprehensive auto insurance
- Collision auto insurance
- Gap insurance
- Modified car insurance
- Non-owner auto insurance
- Rental car reimbursement
- Roadside assistance
- Uninsured motorist insurance
- Underinsured motorist insurance
- Umbrella insurance
Most drivers should consider comprehensive and collision coverages because they pay for repairs to drivers’ cars in accidents they cause or accidents outside of their control, like deer collisions.
Oklahoma DUI Penalties
DUIs in Oklahoma can result in several penalties beyond just increased insurance rates. Some of the consequences you might face include:
- Fines and fees
- Ignition interlock device
- Jail time
- Probation
- Suspended driver’s license
- Substance abuse treatment
- SR-22 certificate
The penalties for a first-time DUI are lighter than subsequent DUIs. For example, you may not get jail time on your first DUI offense, and you’ll have lower fines and fees.
Check out our report on drunk driving rates by state to see how Oklahoma compares.
Oklahoma SR-22 Auto Insurance
Drivers caught driving without insurance, with expired licenses, or impaired may have to get an SR-22 certificate. The certificate shows the state of Oklahoma that the driver is carrying the required insurance amounts.
If you already have an insurance company, you can reach out and tell them you need cheap SR-22 auto insurance. If you don’t have an insurance company, you may have to pay an extra filing fee when signing up, and some insurers may refuse to sell to you.
If you don’t have a car or an insurance policy, you may wonder if you’ll need to carry an SR-22 certificate. The answer is yes — you’ll still need to apply. You must purchase non-owner car insurance to qualify for the SR-22 certificate.
More About Cheap Oklahoma Car Insurance Coverage
Where can you compare auto insurance rates? Drivers can find cheap car insurance in Oklahoma if they compare companies and rates based on their personal driving factors. While insurance may not be as cheap as in other areas, drivers can usually find cheaper insurance rates by shopping around.
You can also find lower OK auto insurance rates by qualifying for discounts or enrolling in pay-as-you-go insurance.
Paying for car🚗 insurance all the time when you only drive some of the time doesn't always make sense. https://t.co/27f1xf131D has a possible solution💡 for you: Pay-as-you-go coverage. Find out more here👉: https://t.co/Giu8rLtTaE pic.twitter.com/peyu2RtyJB
— AutoInsurance.org (@AutoInsurance) October 4, 2023
Use our free quote comparison tool to compare the best and cheapest Oklahoma insurance rates in your area today, whether you’re shopping for the best insurance in Tulsa or Norman.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Which company has the cheapest car insurance in Oklahoma?
USAA has some of the cheapest car insurance rates in Oklahoma. However, it’s only available to active duty, veterans, and their families, so if you don’t qualify, your next affordable options are likely Geico and State Farm auto insurance.
Why is Oklahoma insurance expensive?
Oklahoma has some of the most uninsured drivers in the U.S., making it riskier for insurers to cover drivers since companies may have to pay out claims after accidents.
How much is car insurance in Oklahoma per month?
Your Oklahoma car insurance rates depend on your driving record, company, and more. However, expect full coverage auto insurance in Oklahoma to cost $123 monthly for most drivers.
What is Oklahoma auto insurance?
Oklahoma auto insurance refers to the insurance coverage designed specifically for vehicles registered and driven in the state of Oklahoma. It provides financial protection in case of accidents, damage to the vehicle, or injuries to individuals involved in a car accident while driving in Oklahoma.
What is the minimum auto insurance requirement in Oklahoma?
The Oklahoma minimum auto insurance requirements include liability coverage with limits of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. This is commonly referred to as 25/50/25 coverage.
Can I choose higher coverage limits than the minimum requirement?
Yes, you can choose higher coverage limits for your auto insurance in Oklahoma. It’s generally recommended to consider higher limits to provide better financial protection in case of accidents, especially if you have significant assets to protect.
How can I find affordable auto insurance in Oklahoma?
To find affordable auto insurance in Oklahoma, it’s recommended to shop around and compare quotes from different insurance providers.
Factors such as your driving record, location, age, and the type of vehicle you drive can impact the cost of Oklahoma insurance. Additionally, you can inquire about available auto insurance discounts, such as safe driver discounts or multi-policy discounts, to potentially reduce your premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.