Oklahoma Car Insurance [Rates + Cheap Coverage Guide]

The average Oklahoma car insurance rates are $84/mo. Oklahoma car insurance requirements are 25/50/25 of bodily injury and property damage coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jun 17, 2020

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Here's what you need to know...

  • Licensed drivers in the state of Oklahoma are required to carry the minimum liability coverage
  • As an example, the average car insurance rates in Oklahoma City are $1,805.90/year.
  • Comparing OK auto insurance quotes online is the fastest and easiest way to find a company that sells flexible policies at affordable rates

You can find cheap Oklahoma car insurance rates if you are willing to shop around. There are plenty of options for car insurance companies in OK. The average Oklahoma car insurance rates for full coverage are $78.45/month. Compare quotes below to reduce your bill.

Table of Contents

Oklahoma Car Insurance Rates by ZIP Code

Then again, we can’t forget one of the tenants of life: it’s all about location, location, location. How is your ZIP code impacting your Oklahoma car insurance costs? Take a look.

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Most Expensive ZIP Codes in OklahomaCityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
74110TULSA$5,150.50Liberty Mutual$8,036.87Progressive$6,463.20USAA$3,803.59State Farm$3,821.57
74115TULSA$5,130.85Liberty Mutual$8,170.58Progressive$6,486.61State Farm$3,613.95USAA$3,798.77
74106TULSA$5,113.35Liberty Mutual$8,036.87Progressive$6,415.81State Farm$3,612.06USAA$3,803.59
74103TULSA$5,031.82Liberty Mutual$7,967.96Progressive$7,174.36State Farm$3,491.00USAA$3,601.75
74146TULSA$4,996.54Liberty Mutual$8,064.64Progressive$6,253.73State Farm$3,482.71USAA$3,720.71
74120TULSA$4,955.86Liberty Mutual$8,133.55Progressive$6,436.54State Farm$3,416.00USAA$3,467.63
74128TULSA$4,946.22Liberty Mutual$8,033.79Progressive$6,046.90State Farm$3,286.17USAA$3,720.71
74119TULSA$4,938.25Liberty Mutual$8,138.50Progressive$6,332.46State Farm$3,333.26USAA$3,601.75
74129TULSA$4,932.56Liberty Mutual$8,064.64Progressive$5,904.00State Farm$3,425.78USAA$3,720.71
74126TULSA$4,924.71Liberty Mutual$8,036.87Progressive$5,752.62State Farm$3,524.07USAA$3,803.59
74134TULSA$4,923.31Liberty Mutual$8,064.64Progressive$5,740.74State Farm$3,493.32USAA$3,718.14
74116TULSA$4,912.91Liberty Mutual$7,777.09Progressive$6,252.36State Farm$3,399.50USAA$3,718.14
74104TULSA$4,906.22Liberty Mutual$8,124.78Progressive$6,026.21USAA$3,467.63State Farm$3,475.89
74112TULSA$4,905.35Liberty Mutual$8,033.79Progressive$5,767.37State Farm$3,443.96USAA$3,798.77
73119OKLAHOMA CITY$4,901.45Liberty Mutual$8,234.24Progressive$6,328.07State Farm$3,524.17USAA$3,548.39
74172TULSA$4,895.93Liberty Mutual$7,967.96Progressive$7,267.59State Farm$2,739.02USAA$3,495.20
73106OKLAHOMA CITY$4,893.95Liberty Mutual$8,278.13Progressive$6,024.45State Farm$3,243.59USAA$3,548.39
74130TULSA$4,887.69Liberty Mutual$7,561.76Progressive$5,897.39State Farm$3,492.86USAA$3,803.59
74135TULSA$4,883.58Liberty Mutual$8,129.71Progressive$6,101.54State Farm$3,348.99USAA$3,425.64
73102OKLAHOMA CITY$4,879.88Liberty Mutual$8,056.71Progressive$6,611.05USAA$3,376.34State Farm$3,427.03
73108OKLAHOMA CITY$4,873.82Liberty Mutual$8,278.13Progressive$6,090.43State Farm$3,320.26USAA$3,548.39
73103OKLAHOMA CITY$4,872.88Liberty Mutual$7,986.52Progressive$6,412.37State Farm$3,332.42USAA$3,376.34
74127TULSA$4,870.80Liberty Mutual$7,900.10Progressive$5,994.04State Farm$3,249.42USAA$3,601.75
74105TULSA$4,869.18Liberty Mutual$8,129.71Progressive$5,745.38State Farm$3,378.65USAA$3,409.32
73109OKLAHOMA CITY$4,867.95Liberty Mutual$8,234.24Progressive$6,211.04State Farm$3,379.66USAA$3,544.14
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Someone living in Tulsa, then, is going to be paying more for her car insurance coverage than someone in Oklahoma City, even if the two have coverage costs that are fairly close to one another.

Cheapest ZIP Codes in OklahomaCityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
73555MANITOU$3,646.98Liberty Mutual$6,048.86Progressive$4,036.19State Farm$2,591.02GEICO$2,743.46
73542FREDERICK$3,650.18Liberty Mutual$6,134.72Progressive$4,036.19State Farm$2,369.85GEICO$2,743.46
73521ALTUS$3,682.05Liberty Mutual$6,059.14Progressive$4,247.18State Farm$2,536.43GEICO$2,743.46
73539ELMER$3,692.21Liberty Mutual$6,048.86Progressive$4,038.41State Farm$2,591.02GEICO$2,743.46
73570TIPTON$3,692.55Liberty Mutual$6,119.06Progressive$4,162.66State Farm$2,484.29GEICO$2,743.46
73537ELDORADO$3,694.92Liberty Mutual$6,119.06Progressive$4,089.93State Farm$2,591.02GEICO$2,743.46
73939GOODWELL$3,704.39Liberty Mutual$5,974.78Farmers$3,871.33State Farm$2,566.00USAA$3,063.11
73946KENTON$3,715.81Liberty Mutual$5,930.51Farmers$3,973.18State Farm$2,591.02USAA$3,063.11
73549HEADRICK$3,722.42Liberty Mutual$6,119.06Progressive$4,071.71State Farm$2,591.02GEICO$2,743.46
73523ALTUS AFB$3,724.33Liberty Mutual$6,059.14Progressive$4,398.59State Farm$2,591.02GEICO$2,743.46
73945HOOKER$3,725.51Liberty Mutual$6,107.55Progressive$3,978.70State Farm$2,413.73USAA$3,063.11
73937FELT$3,725.60Liberty Mutual$5,930.51Farmers$3,987.50State Farm$2,591.02USAA$3,063.11
73951TYRONE$3,725.68Liberty Mutual$5,930.51Progressive$4,076.36State Farm$2,427.10USAA$3,063.11
73944HARDESTY$3,726.17Liberty Mutual$5,930.51Progressive$3,963.30State Farm$2,591.02USAA$3,063.11
73552INDIAHOMA$3,727.43Liberty Mutual$6,170.47Progressive$3,974.04State Farm$2,650.11GEICO$2,929.45
73703ENID$3,729.94Liberty Mutual$6,062.18Progressive$4,317.07State Farm$2,605.49USAA$2,775.83
73938FORGAN$3,732.65Liberty Mutual$5,930.51Farmers$3,924.56State Farm$2,644.59USAA$3,063.11
73950TURPIN$3,734.52Liberty Mutual$5,930.51Farmers$4,077.42State Farm$2,530.49USAA$3,063.11
73942GUYMON$3,735.69Liberty Mutual$6,107.55Progressive$3,975.41State Farm$2,539.69USAA$3,063.11
73949TEXHOMA$3,737.64Liberty Mutual$5,930.51Progressive$4,086.86State Farm$2,602.61USAA$3,063.11
73931BALKO$3,743.28Liberty Mutual$5,930.51Progressive$3,991.29State Farm$2,652.36USAA$3,063.11
73526BLAIR$3,745.24Liberty Mutual$6,048.86Progressive$4,149.82State Farm$2,594.10GEICO$2,743.46
73932BEAVER$3,746.46Liberty Mutual$5,973.04Farmers$3,992.83State Farm$2,625.34USAA$3,063.11
73538ELGIN$3,753.25Liberty Mutual$6,417.53Progressive$3,935.21State Farm$2,680.52GEICO$2,929.45
73933BOISE CITY$3,754.57Liberty Mutual$5,930.51Progressive$3,920.57State Farm$2,828.97USAA$3,063.11
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That minor difference and all the others in between is what makes researching and comparing available car insurance companies so important, especially when you’re just moving into a new area.

Oklahoma Statistics SummaryDetails
Road Miles
Total in State: 112,637
Vehicle Miles Driven: 47.7 billion
Driving DeathsSpeeding: 143
Drunk Driving: 683
VehiclesRegistered: 3.4 million
Total Stolen: 10,583
Most Popular VehicleFord F-150
Average Premiums (Annual)Liability: $461.01
Collision: $318.47
Comprehensive: $225.84
Combined Premium: $1,005,32
Percentage of Motorists Uninsured10.50%
State Rank: 31th
Cheapest ProviderState Farm Mutual Auto
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Just the mention of Oklahoma conjures visions of bright blue skies, golden and rocky landscape, and miles upon miles of open road. That opportunity to satisfy your wanderlust isn’t the only variety that the great state of Oklahoma has to offer.

For every mile of interstate, there’s a car insurance company offering the state’s 3,943,079 residents coverage and rate options meant to keep those roadways busy.

Sometimes, though, variety can be overwhelming. As you sift through Oklahoma’s available car insurance providers and their policies, you’ll likely find yourself wondering:

  • Which provider is going to protect my car most effectively?
  • Who has the cheapest car insurance in Oklahoma??
  • How carefully should I drive in order to stay within the letter of my policy and Oklahoma’s driving laws?
  • Is car insurance mandatory in Oklahoma?

The good news is that you don’t have to answer those questions on your own.

It’s important to find the best rates and coverage for your car, and we’re more than happy to help guide you along your car insurance adventure. You can start comparison shopping today with our FREE online tool! Just enter your ZIP code in order to get started.

Oklahoma Car Insurance Coverage and Rates

Traveling through Oklahoma is a treat. The “Sooner State” is home to some of the most beautiful natural attractions in the United States, and its cities are bustling with energy. Oklahoma City, after all, was ranked among the top 100 places to live by US news as of 2018.

When you opt to settle in the expanse of the Sooner State, though, you’ll have to have a handle on the average vehicle operating costs and the way the state’s coverage and cost may impact your lifestyle, especially when compared with the other states.

The most difficult part of auto insurance research is finding a place to start. Let’s find our feet by breaking down your Oklahoma car insurance options.

Oklahoma, at a minimum, requires its drivers to have liability insurance on hand. That coverage consists of bodily injury and property damage coverage, as seen below.

Oklahoma Minimum Car Insurance Requirements

Insurance RequiredMinimum Limits: 25/50/25
Body Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$25,000 minimum
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Liability insurance is the insurance you’ll need in order to be compensated for property damage or injuries that come as a result of a car accident for which you or anyone you’re insuring are responsible.

If you happen to be the driver at fault, you’ll fall under Oklahoma’s “at fault” legislation, as the state makes the driver at fault liable for any injuries caused by or property damaged in an auto accident.

Minimum liability coverage in Oklahoma, as noted above, needs to consist of:

  • $25,000 to cover the injury or death per person
  • $50,000 to cover the total injury or death per accident
  • $25,000 to cover damage to personal property per accident

It’s worth noting again that this is the absolute minimum coverage required of drivers by the state of Oklahoma. If, after an accident, it’s possible that your minimum liability coverage won’t provide you with enough funds to take responsibility for any injuries or property damage.

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In order to prevent placing yourself in an awkward situation, you’ll want to consider adding additional coverage to your plan.

Oklahoma’s Required Forms of Financial Responsibility

When driving or owning a car in Oklahoma, you’ll have to keep proof of coverage with your vehicle at all times in order to comply with the state’s legislation requiring proof of vehicular financial responsibility. There are three different forms available to you that serve as acceptable proof.

These include:

  • Valid Liability Insurance ID Card(s)
  • Copies of your current car’s insurance policy
  • Valid Insurance Binder (this is a temporary form of car insurance and should not be substituted for a form of financial responsibility in the long-term)

If you live and drive in Oklahoma, you must have at least one of the above-listed approved forms of proof of financial security on your person or in your glove box while operating your vehicle.

Without one of these forms, you are likely to face legal consequences. If you’re caught driving uninsured or without proof of insurance, you risk the following:

  • Fine up to $250
  • 30 days in jail
  • Suspension of your driver’s license
  • Suspension of your vehicle’s registration

Most, if not all, insurance providers make it easy for you to print out verification of your policy. Don’t procrastinate or dawdle! Driving without proof of insurance in Oklahoma isn’t worth the hassle.

Premiums as a Percentage of Income

In 2018, Oklahoma residents reported that the annual per capita disposable income for their state stood at $39,740, according to a study issued by the NAIC.

What is disposable personal income, or DPI? DPI serves as the amount of money available to a single person that can be spent post-tax payments.

What does this mean for the folks in Oklahoma? Well, after tax season passes, the majority of Oklahoma residents will have $3,311 available to them on a monthly basis that can be spent on general necessities, including food, rent, and utilities.

That’s not too much of a budget to operate on, which means that an Oklahoman has to think carefully about what kind of car insurance she wants to invest in.

The careful Oklahoman can spend up to 2 percent of their DPI on monthly car insurance payments, or $82 per month. That means that, over the course of a year, residents of Oklahoma will spend an average of $986 on comprehensive car insurance.

If you’re trying to figure out how to divvy up your paycheck with that kind of payment in mind, don’t fret. American Consumer Credit Counseling recommends that you save 20 percent of every paycheck you get in order to ensure that you have a little bit of wiggle room in your budget each month. If we take the average Oklahoman DPI in mind, that percentage comes in at $662 a month.

Even so, you’ll want to do everything you can to make sure that you’re getting the best car insurance coverage for the most forgiving price. That’s why we’re here to help you make sure you’re considering all of your options from every angle.

Average Car Insurance Rates in OK (Liability, Collision, Comprehensive)

Coverage TypeAnnual Costs (2015)
Liability$461.01
Collision$318.47
Comprehensive$225.84
Combined$1,005.32
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The annual costs in the table above reflect the amount of money you might expect to spend to maintain liability, collision, comprehensive, or combined car insurance over the course of a year. These costs, as provided by the National Association of Insurance Commissioners, read from 2015 and are expected to rise as of 2018.
You can see below how monthly costs vary from state to state.

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What do you do in the face of rising insurance costs? Remember: at an absolute minimum, Oklahoma drivers and vehicle owners are required to apply for and operate with liability coverage.

However, because Oklahoma is an “at-fault” state and will pin you, if you’re the driver at-fault, with the check for any injuries or property damage done unto another driver, you’ll want to put a little more money down on your vehicular future.

Oklahoma’s Additional Liability Coverage

Loss Ratio201320142015
Medical Payments (MedPay)63%66%66%
Uninsured/Underinsured Motorist Coverage (UUM)65%63%63%
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MedPay and Uninsured or Underinsured Motorists coverage are some of the most popular coverage options to add to a standard car insurance policy. Why? Let’s break them down.

MedPay, to start, will cover any medical payments you may have to make after an accident, meaning that the coverage will make it easier for you to afford any hospital bills that another driver may receive.

Uninsured and Underinsured Motorist coverage will have your back in case you’re in a car accident with someone who doesn’t have enough insurance to cover your expenses. This is an especially important add-on to consider, as 10.5 percent of drivers in Oklahoma were uninsured as of 2015.

Oklahoma as a whole ranks 31st in the United States for the number of uninsured motorists it has operating on the road.

Do yourself and another driver a favor, then, and look into UM – it could keep the both of you from going bankrupt after an accident.

Oklahoma Loss Ratios

Another thing worth noting: overall, car insurance providers in Oklahoma have lower loss ratios than most. In 2015, loss ratios across the nation ranged from 94-112 percent. Comparatively, Oklahoma’s loss ratios have decreased in the past several years.

How does that apply to you? Well, car insurance providers who have higher loss ratios are statistically noted to pay out on more claims than those with low ratios.

That higher loss ratio serves as a double-edged sword – you’ll receive a payment if you’re in an accident, yes, but your car insurance provider is also losing money, overall, and risking bankruptcy.

Comparatively, car insurance providers with loss ratios on the lower end are not paying out on claims. Again, we’re stuck between a rock and a hard place. You might not receive as much or any of a payment when you get in an accident, but at least the company will still be able to cover you in the long run.

Our best advice to you is to avoid signing with car insurance providers who have loss ratios on the high or low side of things. In this case alone, finding a company’s that’s average is your best course of action.

Oklahoma Add-ons, Endorsements, and Riders

Those aren’t the only insurance add-ons that you can consider as an Oklahoman. There are additional affordable and efficient extras that you can include in your coverage without a problem.

If you’re looking to expand your car insurance coverage as an Oklahoma citizen, you have the option of including:

Average Monthly Car Insurance Rates by Age & Gender in OK

AgeMaleFemale
25 year-olds$2,967$2,798
60 year-olds$2,500$2,351
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One driving myth claims that male drivers – and particularly younger male drivers – are likely to pay more for their insurance coverage due to a perceived recklessness on the road. This isn’t necessarily the case, but some insurance companies keep it in mind.

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As you can see, the coverage rates in Oklahoma reflect that sentiment, showing that males often pay more for their auto coverage than females. It might surprise you to learn, though, that the reverse is true in many other states.

Oklahoma is one of only a few states wherein males are charged more for their car insurance than females, suggesting a dismissal of that pesky, gender-based driving myth.

In fact, Oklahoma is even making moves towards lessening the difference between the cost of car insurance for males and the cost for females.

Even so, be aware of how your gender might impact how you’re charged for your insurance. Your driving record, though, still remains the most important factor in determining overall coverage costs.

Cost of Oklahoma Car Insurance by City

You don’t have to take the numbers down to your ZIP code, though – you can sometimes distinguish a difference in coverage cost just by looking at different cities.

Most Expensive Cities in OklahomaAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Tulsa$4,903.84Liberty Mutual$7,969.89Progressive$6,156.47State Farm$3,378.92USAA$3,592.35
Nichols Hills$4,794.06Liberty Mutual$7,672.10Progressive$5,997.68State Farm$3,290.75USAA$3,414.20
Oakhurst$4,745.40Liberty Mutual$7,718.08Progressive$5,756.48State Farm$3,222.50USAA$3,601.75
Forest Park$4,715.69Liberty Mutual$7,387.73Progressive$5,906.39State Farm$3,118.89USAA$3,557.24
Oklahoma City$4,713.34Liberty Mutual$7,827.17Progressive$5,859.47State Farm$3,212.84USAA$3,454.53
Del City$4,680.38Liberty Mutual$7,707.40Progressive$5,958.85State Farm$3,177.55USAA$3,387.22
Midwest City$4,663.70Liberty Mutual$7,591.38Progressive$5,929.75State Farm$3,159.62USAA$3,425.67
Glenpool$4,659.69Liberty Mutual$7,369.86Progressive$6,301.87State Farm$3,125.00GEICO$3,255.36
Bixby$4,644.01Liberty Mutual$7,495.04Progressive$5,758.16State Farm$3,292.25USAA$3,374.02
Catoosa$4,634.41Liberty Mutual$7,524.38Progressive$5,939.26State Farm$3,091.73USAA$3,491.27
Broken Arrow$4,615.49Liberty Mutual$7,610.60Progressive$5,711.59State Farm$3,195.70USAA$3,492.20
Bethany$4,603.06Liberty Mutual$7,482.10Progressive$5,617.79State Farm$3,180.39USAA$3,480.61
Wheatland$4,559.24Liberty Mutual$7,721.70Progressive$5,641.86State Farm$2,955.50USAA$3,480.61
Sperry$4,535.05Liberty Mutual$7,492.84Progressive$5,560.96GEICO$3,255.36State Farm$3,456.65
Jenks$4,533.23Liberty Mutual$7,532.72Progressive$5,444.49State Farm$3,118.62GEICO$3,255.36
Moore$4,532.19Liberty Mutual$7,741.34Progressive$5,535.16State Farm$3,114.17USAA$3,364.53
Kiefer$4,520.92Liberty Mutual$7,067.04Progressive$6,401.55State Farm$2,955.11GEICO$3,255.36
Jones$4,511.62Liberty Mutual$7,461.14Progressive$5,372.22State Farm$3,184.63USAA$3,404.21
Newalla$4,500.55Liberty Mutual$7,532.89Progressive$5,423.01State Farm$2,991.37USAA$3,392.86
Choctaw$4,493.07Liberty Mutual$7,532.89Progressive$5,582.56State Farm$2,726.56USAA$3,236.09
Macomb$4,485.54Liberty Mutual$6,808.25Progressive$6,124.88State Farm$2,904.89USAA$3,326.43
Sapulpa$4,461.79Liberty Mutual$7,103.45Progressive$6,186.67State Farm$2,692.50GEICO$3,255.36
Arcadia$4,434.77Liberty Mutual$7,288.95Progressive$5,351.58State Farm$2,888.22USAA$3,284.58
Luther$4,421.24Liberty Mutual$7,234.87Progressive$5,061.66State Farm$2,977.73USAA$3,404.21
Harrah$4,395.57Liberty Mutual$7,585.54Progressive$4,971.03State Farm$2,938.60USAA$3,377.30
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Tulsa, once again, has the most expensive rates.

Cheapest Cities in OklahomaAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Manitou$3,646.98Liberty Mutual$6,048.86Progressive$4,036.19State Farm$2,591.02GEICO$2,743.46
Frederick$3,650.18Liberty Mutual$6,134.72Progressive$4,036.19State Farm$2,369.85GEICO$2,743.46
Altus$3,682.05Liberty Mutual$6,059.14Progressive$4,247.18State Farm$2,536.43GEICO$2,743.46
Elmer$3,692.21Liberty Mutual$6,048.86Progressive$4,038.41State Farm$2,591.02GEICO$2,743.46
Tipton$3,692.55Liberty Mutual$6,119.06Progressive$4,162.66State Farm$2,484.29GEICO$2,743.46
Eldorado$3,694.92Liberty Mutual$6,119.06Progressive$4,089.93State Farm$2,591.02GEICO$2,743.46
Goodwell$3,704.39Liberty Mutual$5,974.78Farmers$3,871.33State Farm$2,566.00USAA$3,063.11
Kenton$3,715.81Liberty Mutual$5,930.51Farmers$3,973.18State Farm$2,591.02USAA$3,063.11
Headrick$3,722.42Liberty Mutual$6,119.06Progressive$4,071.71State Farm$2,591.02GEICO$2,743.46
Altus Afb$3,724.33Liberty Mutual$6,059.14Progressive$4,398.59State Farm$2,591.02GEICO$2,743.46
Hooker$3,725.51Liberty Mutual$6,107.55Progressive$3,978.70State Farm$2,413.73USAA$3,063.11
Felt$3,725.60Liberty Mutual$5,930.51Farmers$3,987.50State Farm$2,591.02USAA$3,063.11
Tyrone$3,725.68Liberty Mutual$5,930.51Progressive$4,076.36State Farm$2,427.10USAA$3,063.11
Hardesty$3,726.17Liberty Mutual$5,930.51Progressive$3,963.30State Farm$2,591.02USAA$3,063.11
Indiahoma$3,727.43Liberty Mutual$6,170.47Progressive$3,974.04State Farm$2,650.11GEICO$2,929.45
Forgan$3,732.65Liberty Mutual$5,930.51Farmers$3,924.56State Farm$2,644.59USAA$3,063.11
Turpin$3,734.52Liberty Mutual$5,930.51Farmers$4,077.42State Farm$2,530.49USAA$3,063.11
Guymon$3,735.69Liberty Mutual$6,107.55Progressive$3,975.41State Farm$2,539.69USAA$3,063.11
Texhoma$3,737.64Liberty Mutual$5,930.51Progressive$4,086.86State Farm$2,602.61USAA$3,063.11
Balko$3,743.28Liberty Mutual$5,930.51Progressive$3,991.29State Farm$2,652.36USAA$3,063.11
Blair$3,745.24Liberty Mutual$6,048.86Progressive$4,149.82State Farm$2,594.10GEICO$2,743.46
Beaver$3,746.46Liberty Mutual$5,973.04Farmers$3,992.83State Farm$2,625.34USAA$3,063.11
Elgin$3,753.25Liberty Mutual$6,417.53Progressive$3,935.21State Farm$2,680.52GEICO$2,929.45
Boise City$3,754.57Liberty Mutual$5,930.51Progressive$3,920.57State Farm$2,828.97USAA$3,063.11
Snyder$3,765.73Liberty Mutual$6,134.72Progressive$4,100.83State Farm$2,511.91USAA$3,019.27
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So: you’ve got the costs of coverage listed out by city and ZIP code. Who’s got the best coverage in the whole state, and who has the worst?

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Best Oklahoma Car Insurance Companies

When you move to Oklahoma, you’re going to have dozens and dozens of provider options. Choosing one to stick with isn’t easy, especially when you’re not in the mood to spend hours comparing rates and policies yourself.

That’s where we come in, and your life gets a little easier. We’ve taken a look at all of the car insurance providers in the state of Oklahoma, broken down their financial ratings, and pitted them against each other so that you can see which provider will serve you best. We’ve also included AM best ratings, market share percentages, and customer complaints, just for kicks.

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So, what are you waiting for? Take a look at the best insurance companies in Oklahoma and see if your perfect provider is on one of our lists.

Ratings of Oklahoma’s Top Ten Largest Car Insurance Providers

ProvidersAM RatingDirect Premiums WrittenMarket ShareLoss Ratio
State Farm Group
A$677,19225.41%57.03%
Farmer's Insurance GroupNR$303,20711.38%51.38%
Progressive GroupA+$238,9518.96%55.51%
Allstate Insurance GroupA+$186,4487.00%48.05%
GeicoA++$184,1966.91%66.79%
Liberty Mutual GroupA$174,6546.55%57.68%
USAA GroupNR$172,9146.49%69.06%
Oklahoma Farm Bureau GroupB+$105,7123.97%55.16%
CSAA Insurance GroupA$103,3783.88%50.54%
Shelter Insurance GroupA$92,1673.46%61.81%
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Customer service might not be as statistically-driven as a provider’s loss ratio or financial standing, but it’s an essential factor to consider when you’re trying to find your best car insurance fit. It’s customer service, after all, that builds the reputation of a company.

Car Insurance Companies with Best Ratings in Oklahoma

The above graph builds on the aforementioned importance of customer service. It’s easy to see how much of a priority the car insurance providers in Oklahoma place on their ability to interact positively with those drivers they represent.

Car Insurance Companies with Most Complaints in Oklahoma

ProvidersCompany Complaint Ratio 2017Total Complaints 2017
State Farm Group0.441,482
Farmers Insurance Group00
Progressive Group0.75120
Allstate Insurance Group0.5163
Geico.0076
Liberty Mutual Group.0076
USSA Group02
Oklahoma Farm Bureau Group0.212
CSAA Insurance Group3.976
Shelter Insurance Group0.6147
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Comparatively, take a look at the insurance providers who’ve garnered the most complaints in the state of Oklahoma.

While these complaints aren’t necessarily reflective of a company’s ability to provide for those who it insures, it does reflect a provider’s ability to communicate with individuals and resolve issues with coverage.

Oklahoma Car Insurance Rates by Company as Compared to the National Average

CompanyCompany Annual Average Percentage Compared to State Annual Average
State Farm Mutual Auto$2,816.80-47.06%
USAA$3,174.15-30.50%
Geico$3,437.33-20.51%
Allstate F&C$3,718.62-11.39%
Farmers Insurance Co$4,142.400.0%
Progressive Northern$4,832.3514.28%
SAFECO Insurance Co of America$6,874.6239.74%
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But how do these companies stack up when their rates are compared?

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As you can see, for drivers in Oklahoma, State Farm Mutual and USAA have annual rates that are significantly lower than the national average, meaning that they’ll be more affordable in the long run.

Comparatively, Progressive Northern and SAFECO Insurance of America have rates that expand on or are higher than, the national average rate of coverage.

Coverage Cost as Determined by Different Annual Commutes

CompanyCommute and Annual MileageAverage Annual Rate
Liberty Mutual10 miles commute. 6000 annual mileage.$6,874.62
Liberty Mutual25 miles commute. 6000 annual mileage.$6,874.62
Progressive10 miles commute. 6000 annual mileage.$4,832.35
Progressive25 miles commute. 12000 annual mileage.$4,832.35
Farmers10 miles commute. 6000 annual mileage.$4,142.40
Farmers25 miles commute. 12000 annual mileage.$4,142.40
Allstate10 miles commute. 6000 annual mileage.$3,718.62
Allstate25 miles commute. 12000 annual mileage.$3,718.62
Geico10 miles commute. 6000 annual mileage.$3,371.88
Geico25 miles commute. 12000 annual mileage.$3,502.79
USAA10 miles commute. 6000 annual mileage.$3,135.87
USAA25 miles commute. 12000 annual mileage.$3,212.43
State Farm10 miles commute. 6000 annual mileage.$2,768.69
State Farm25 miles commute. 12000 annual mileage.$2,864.91
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Some of the time, your commute can add a few extra dollars to your car insurance coverage, but that really depends on where you’re living. As you can see, the car insurance providers in Oklahoma don’t put too much stake in the difference between a 10-mile commute and a 25-mile commute.

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USAA, Geico, and State Farm, however, stand out by adding roughly one hundred dollars to your bill when you insurance a longer commute. If your morning drive goes on for a little longer than you’d like, then, you may want to consider how it’ll impact your annual car insurance costs.

Oklahoma’s Coverage Level Rates

How will these rates change when based on the amount of coverage you have? The usual correlation sees costs go down as you seek out less coverage. Keep in mind, though, that even though registering for only the state minimum coverage may be cost-effective, it could serve you poorly in the long run.

Take a look at the listed carriers’ coverage costs throughout the state of Oklahoma and see what kind of coverage and rates suit your budget best.

CompanyCoverage TypeAnnual Average
Liberty MutualHigh$7,253.93
Liberty MutualMedium$6,849.85
Liberty MutualLow$6,520.08
ProgressiveHigh$5,214.67
ProgressiveMedium$4,801.19
ProgressiveLow$4,481.18
FarmersHigh$4,369.10
FarmersMedium$4,095.52
FarmersLow$3,962.59
AllstateHigh$3,958.78
AllstateMedium$3,703.87
GeicoHigh$3,670.99
AllstateLow$3,493.21
GeicoMedium$3,442.87
USAAHigh$3,308.89
GeicoLow$3,198.14
USAAMedium$3,165.21
USAALow$3,048.34
State FarmHigh$3,007.85
State FarmMedium$2,796.58
State FarmLow$2,645.97
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Credit History Rates in Oklahoma

No matter what level of coverage you seek out upon moving or seeking registration in Oklahoma, a provider is going to want to take a look at your credit score before making you an offer. Naturally, the higher your credit score is, the more likely it is that you’ll receive a great rate through your provider of choice.

For example, companies like Liberty Mutual will reward a great credit score. The average annual rate for a driver with an average or good credit score comes in at around $4,724.

Comparatively, a driver with a less impressive credit score may have to pay for coverage at a rate of $9,874. That $5,150 difference is nothing to sniff at, which means that as you seek out coverage, you should be keeping an eye on your credit and any potential rate bumps you might run into.

Oklahoma Can’t-Miss Fact: the average credit score for drivers in the state of Oklahoma is 656, leaving Oklahoma among the top 10 states in America with the lowest credit scores.

Driving Record Rates

Naturally, your driving record will also impact your annual car insurance rate. Violations ranging from DUIs, minor accidents, and speeding violations can all raise your premium by a notable degree. Take Liberty Mutual as an example. Drivers with a clean record will only pay $4,623.23 a year for their coverage.

Comparatively, drivers who’ve been caught speeding will pay $6,369.71 a year. For speeding alone, your coverage costs could jump nearly $2,000! Stay careful on the road, then, and keep some of your hard-earned cash in your wallet.

Number of Insurers in Oklahoma

DomesticForeignTotal Number of Licensed Insurers
31873904
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Oklahoma’s State Laws

So: we’ve talked about coverage, average annual rates, and the potential ways you can increase or decrease your overall insurance payments. One of the best ways to avoid a spike in the payments your provider requires of you is to comply with your state’s driving laws.

Now, state laws can be challenging to get a grip on, especially if you’re a new resident. Each state has its own policies on speed limits, seat belt usage, and driving under the influence of either alcohol or marijuana.

You can’t defend yourself from an insurance bump or a legal fine, though, by pleading ignorance. When you familiarize yourself with Oklahoma’s state laws, you’re doing preventative work that’ll save your wallet in the long run.

We’ve done some of that work for you here. Take a look at our compact guide to Oklahoma’s state laws, and do what you can to stay out of trouble.

Oklahoma’s Car Insurance Laws

We’ve mentioned that Oklahoma requires minimum insurance coverage of any drivers who live in the state as residents or who have vehicles registered with the state’s DMV. As an Oklahoma resident or driver, you’re also required to have proof of financial responsibility for your vehicle on you while driving.

What happens, though, if you move to Oklahoma with a driving record that isn’t so stellar? It doesn’t matter if you happen to own a car. Car insurance providers do not have to provide you with coverage if they think that your driving record will cost them an exceptional amount of money in the long run.

In other words, no car insurance company is required to cover a “high-risk” driver.

Luckily, the Oklahoma DMV recommends that drivers who can’t find coverage through a car insurance provider can turn to Oklahoma’s Automobile Insurance Plan. With that kind of option available to them, drivers in Oklahoma have no excuse for not having coverage.

Oklahoma’s High-Risk Insurance

Accidents, though, are called accidents for a reason. Some of us are going to end up with marks on our driving records, no matter how careful we are. In Oklahoma, drivers with accidents on their driving records are considered “high-risk drivers.” These drivers need to file an SR-22 form in order to apply for high-risk insurance.

You’ll need to file an SR-22 form if:

  • Your license has been suspended or revoked due to a DUI/DWI
  • You have no insurance and are in a vehicular accident
  • You have been involved in an accident that’s caused severe injury to another driver
  • You are caught driving while uninsured
  • There are a significant number of points on your driving record

Low Cost Oklahoma Car Insurance Coverage

Unfortunately, Oklahoma does not provide its low-income families with a government-sponsored car insurance program, meaning that if you can’t afford car insurance, you cannot rely on the state government to support you.

Some states offer their low-income families this level of support, but that’s no need to fret! By carefully examining your needs and comparing the providers available to you, you can find a car insurance plan that fits your lifestyle.

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Oklahoma Windshield Coverage Laws

Oklahoma does not require you to replace your windshield when it gets cracked or broken. Insurers, too, are not required to replace your windshield for you if it is compromised. A comprehensive plan can see your windshield replaced with aftermarket or used parts, but that will depend on the provider and plan that you’ve sought out.

Automobile Insurance Fraud in Oklahoma

Car insurance fraud, as outlined by the IIHS, is defined in two different ways. There is both hard fraud and soft fraud.

Deliberate falsehoods regarding insurance claims or accident is considered hard fraud.

Soft fraud, comparatively, occurs when an accident has genuine happened, but the victim has padded their claim.

As of 2018, Oklahoma authorities recovered $345,924 from falsified auto insurance claims, as reported by the Oklahoma Department of Insurance. These findings accompanied 1,286 complaints of fraudulent claims and $152,456 submitted findings for criminal prosecution.

While you might be tempted to get all that you can once you’ve been in an accident, falsifying your accident claims is a) illegal, and b) not worth the consequences.

Statute of Limitations

Once you’ve been in an accident, you need to move quickly in order to get the compensation from your insurance that you need to repair your car or pay any other necessary fees. Oklahoma, as you will see, allows you two years to file your claim.

Types of ClaimsTime Limit
Personal Injury2 years
Property Damage2 years
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State Specific Laws

Oklahoma also makes itself unique from other states in its implementation of an Unfair Claims Settlement Practices Act. This piece of legislation makes insurers to clients – that is to say, you – precisely what your policy with the insurer will cover. That way you know exactly what you can use your insurance for and how much money you should have available to you if you seek compensation.

That is to say, the Unfair Claims Settlement Practices Act keeps your insurer from overlooking or deliberately ignoring a part of your coverage that might cost them significant sums of money. This move towards fairness keeps you in the black and ensures that your provider remains as honest as possible.

Vehicle Licensing Laws in Oklahoma

Now, if you’re pinching pennies, you may think that forgoing insurance is the way to save money. However, in Oklahoma, driving without insurance and getting caught can result in some significant fees.

We’ve touched on viable proof of insurance previously, but for a refresher, they include:

  • A valid liability insurance ID card
  • A copy of your car’s up-to-date insurance policy
  • A valid insurance binder, which serves only as temporary car insurance
# of Offenses
Penalties
1st OffenseFine: $250
Jail time: up to 30 days
License suspension with $275 reinstatement fee
Possible vehicle impounding
Possible seizure of license plates and fines for return
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Without proof of insurance, you risk Oklahoma authorities suspending your car’s registration. If your registration is suspended, you’ll get a letter from the Oklahoma government, and you’ll have to provide proof of insurance before your registration can be reinstated.

Proof of insurance is essential not only to drive a car but to register that car in the state of Oklahoma. You’ll be required to present proof of insurance when you go to secure an Oklahoma license plate.

If you are ever pulled over by a police officer, either for speeding, possession, or something else, you’ll be required to provide proof of vehicle insurance along with your driver’s license to the officer in question.

Teen Driver Laws

Most teens are excited to turn 16 because it means they can start practicing to earn their drivers licenses. However, in Oklahoma, teenagers can get their drivers permits at 15 1/2 years old. They have to sit through a mandatory holding period of six months before applying for a license, of course, but the ability for a young person to practice their driving is hardly a bad thing.

Restrictions
Limitations
Nighttime restrictions10 p.m. to 5 a.m.
Passenger restrictions (family members excluded unless noted otherwise)no more than 1 passenger
Minimum Age at which Restrictions may be Lifted
Nighttime restrictions-6 months with driver education
-12 months without driver education or until age 18 (minimum age: 16 1/2)
Passenger restrictions-6 months with driver education
-12 months without driver education or until age 18 (minimum age: 16 1/2)
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Teenagers in Oklahoma also have to consider other restrictions on their drivers’ license. These restrictions will be lifted within 12 months of the driver receiving her license or at age 18. If a young driver opts to take driver’s education classes, though, these restrictions will be removed twice as quickly!

Benchmarks for Licensure
Requirements
Mandatory holding period6 months
Minimum supervised driving time50 hours (10 of which must be at night)
Minimum age16 years old
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Oklahoma Older Driver License Renewal Procedures

As unpleasant as the DMV is, it is a necessary evil for everyone, no matter how long you’ve had your license for. Oklahoma residents who’ve lived in the state for a long while need to make sure to renew their drivers’ licenses every four years, which serves as a constant renewal point for drivers all across the United States.

You are not able to renew your license over the Internet or by mail. The good news, though, is that while you do still have to visit the DMV in person, older drivers in Oklahoma don’t have to pass a vision test in order to renew their licenses.

New Oklahoma Residents

If you’re new to Oklahoma and intend to stay in the state for a good, long while, you’ll need to secure a license plate and car insurance policy within the state. Share your new address with your provider and make sure that you have the minimum coverage required in Oklahoma.

Insurance RequiredMinimum Limits: 25/50/25
Body Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$25,000 minimum
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You’ll also want to check in with your provider to see if you need to take your car to the Oklahoma Department of Public Safety (DPS) or Oklahoma Tax Commission (OTC). A representative at either of these agencies will be able to double check your vehicle identification number in order to ensure that you’re the proper owner of the car. After that, you’ll be good to go.

Rules of the Road

Oklahoma also has state-specific road laws that you’ll need to consider when taking to the interstate. Keep these in mind in order to keep your driving record as clean as possible.

Fault vs. No-Fault

As we’ve mentioned, Oklahoma is an at-fault state. That means that when you get in an accident in Oklahoma, one of the drivers will be determined to be at-fault. Whoever is determined to be at-fault will be responsible for paying for any damages, medical expenses, or other costs that resulted.

Keep Right and Move Over Laws

The left lane on the highway is reserved for drivers who go a bit faster than average. If you’re going under the speed limit, either due to a flat tire or personal preference, you cannot drive in the left lane.

According to JUSTIA US, “Every driver who intends to pass another vehicle proceeding in the same direction, which requires moving his vehicle from one lane of traffic to another, shall first see that such movement can be made with safety and shall proceed to pass only after giving a proper signal by hand or mechanical device.”

This means that if you intend to pass, you need to use your turn signal and make sure that it’s safe to pass, first.

Speed Limits in Oklahoma

Speeding laws vary throughout Oklahoma, but in general, exist as follows:

Type of RoadwaySpeed Limit
Rural Interstates75 mph
Urban Interstates70 mph
Other Limited Access Roads70 mph
Other Roads70 mph
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Seat Belt and Car Seat Laws

Oklahoma also takes care to enforce seat belt policies. If you choose to drive or ride without a seat belt, keep in mind the following consequences:

Car seat laws work similarly. The first time you violate Oklahoma’s car seat laws, you not only put your child at risk, but you risk a $50 or more fine.

Type of Car Seat RequiredAge
Rear-Facing Child Safety SeatYounger than 2 years (or until a child outgrows the manufacturer's top height or weight recommendations)
Child Restraint SystemYounger than four years old
Child Restraint or Booster SeatFour to seven years old (can't be taller than 4'9")
Adult Belt PermissibleOver eight years old (or taller than 4'9")
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Oklahoma Ridesharing

With the popularity of Uber and Lyft on the rise, you may be interested in registering your car to rideshare. Only the following insurers in Oklahoma allow drivers to use their cars for ridesharing:

  • Allstate
  • Farmers
  • Geico
  • Mercury
  • State Farm
  • USAA

Even so, these insurers each have different specifications for the ridesharing they’re willing to cover.

Oklahoma Safety Laws

We’ve touched on drunk driving and its consequences before. Oklahoma has severe DUI laws in place to dissuade drivers from driving while under the influence.

Type of OffenseDrinking Limits
BAC Limit0.08
High BAC Limit0.15
Criminal Status1st misdemeanor, 2nd+ in 10 years felony
Look Back Period10 years
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Driving While Impaired, you’ll notice, registers as a misdemeanor – but only the first time. If you get caught driving under the influence a second time, you earn yourself a felony.

DUI - 1st OffenseConsequences
License Revoked1 to 6 months
Jail Time5 days to 1 year
Fineno minimum but up to $1,000
OtherIID (ignition interlock) required for 18 months if BAC is 0.15+
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DUI - 2nd OffenseConsequences
License Revoked6 months minimum
Jail Time1-5 years
Fineno minimum but up to $2,500
OtherIID (ignition interlock) required for 5 years
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DUI - 3rd OffenseConsequences
License Revoked1-3 years
Jail Time1-10 years
Fineno minimum but up to $5,000
OtherIID (ignition interlock) required for 5 years
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For the sake of your health, not to mention your wallet, do what you can to avoid driving drunk. The consequences are the same for driving under the influence of marijuana, as Oklahoma has not yet legalized the use of THC for medical or recreational purposes.

Distracted Driving Laws

Distracted driving, while different from driving while intoxicated, has consequences that can be just as severe.

Laws on Cellphones while Driving in Oklahoma
Driver
Hand-held banLearner's permit and intermediate license holders
Text banAll drivers
EnforcementPrimary
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No text is worth getting into a car accident, as you risk more than an increase in your insurance payments. There is not a single text that’s worth your life.

Driving in Oklahoma

Whenever you head out on the road, you want to do your best to stay safe. If you’ve just moved to a new home or an entirely new state, though, you might not know about some of the local laws or trends that might impact the roadways.

That’s why you have us. Below are all of the vehicular trends that have a presence in Oklahoma and should influence the way you drive around your new – or old – home.

From fatality rates to the areas most prone to vehicular left, you can count on us.

Vehicle Theft in Oklahoma

Car Model and MakeYear of VehicleThefts
Chevrolet Pickup (Full Size)19941143
Ford Pickup (Full Size)2004780
Dodge Pickup (Full Size)2001419
GMC Pickup (Full Size)1994304
Honda Civic1998292
Honda Accord1996269
Chevrolet Impala2005181
Chevrolet Pickup (Small Size)1998127
Ford Explorer2002123
Chevrolet Malibu2009119
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It seems like the bigger your car is in Oklahoma, the more likely it is to draw attention – the bad kind as well as the good kind.

If you have a pickup, try to keep an eye on it or install an additional security system, especially if you’re visiting one of the upcoming worst cities for vehicular theft in Oklahoma, as reported by the FBI.

CitiesTotal Thefts
Oklahoma City4,076
Tulsa2,389
Midwest City261
Lawton229
Norman168
Broken Arrow135
Moore133
Shawnee129
Endid90
Del City81
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Naturally, Oklahoma City, as one of the state’s biggest cities, is more prone to vehicular theft than some of the smaller towns in the area.

This doesn’t mean that you have to be hyper-paranoid as an Oklahoma City local, but it does encourage you to be cautious.

Fatality Rates in Oklahoma

On an equally lighthearted note, let’s address the primary causes of driver fatalities in Oklahoma, as listed by the NHTSA.

CityTotal Killed in 2016Fatality Rate per 100,000 Population
Oklahoma City8713.6
Tulsa City5212.9
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You’ll note that just two cities make the NHTSA report: Oklahoma City and Tulsa. Some of this has to do with the varying risks that arise in urban areas versus rural areas.

Road Type2008200920102011201220132014201520162017
Rural523498465497468499468391426417
Urban226239203199241229201254260238
Total750737668696709678669645687655
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However, you’ll also note that the more rural parts of Oklahoma are less kind to interstate drivers. The congestion of rural roads has nothing on the speeding that open rural roads encourage.

But that’s not all. Different types of people are prone to different kinds of fatalities. Pedestrians will endure different fatalities than a car’s occupants, so let’s dig into that divide.

Traffic Deaths by Person Type
20132014201520162017
Passenger Car Occupants230226222207198
Light Pickup Truck Occupants130174121144123
Light Utility Truck Occupants9282788886
Van Occupants2218213127
Large Truck Occupants2941272728
Other/Unknown Occupants9119611
Bus Occupants04000
Motorcyclists9257898893
Pedestrians5850708878
Bicyclists and Other Cyclists134656
Other/Unknown Non-occupants32235
State Total678669645687655
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Do your best to keep an eye on the road while you’re driving in Oklahoma. Passenger cars are the most likely to be involved in a car crash in the state, with pickup trucks just behind. Bicyclists and walking pedestrians, too, are at additional risk, so you’ll want to keep your eyes open.

But what types of crashes and crash fatalities are most likely to occur in Oklahoma?

Crash Type20132014201520162017
Total Fatalities (All Crashes)678669645687655
Single Vehicle351335351376357
Involving a Large Truck112134106126133
Involving Speeding174152171185143
Involving a Rollover232246217223210
Involving a Roadway Departure385402359386370
Involving an Intersection (or Intersection Related)134146116139126
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Most recently, then, the majority of car crashes that have occurred in Oklahoma involve a roadway departure, with single vehicle accidents following in a close second.

That’s a lot of variables to consider. We haven’t yet taken into account, though, the counties in Oklahoma that are home to the most traffic fatalities.

Counties20132014201520162017
Oklahoma County7573858890
Tulsa County7161726770
Cleveland County2116281425
Canadian County1214121724
Comanche County1515121516
Le Flore County710141816
Grady County1917171614
McClain County9771614
Mayes County121572114
Ottawa County8411714
Top 10 County Total298265303300297
State Total (Includes All Counties)678669645687655
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Some of these statistics may seem overwhelming. When you compare Oklahoma’s fatality numbers to those of other states, though, these rates are comparatively low.

The nearby New Mexico, for example, is rated second among the top-10 worst states for drivers.

Even so, speeding is still a pretty pervasive problem throughout the state.

County Name201520162017County Name201520162017
Atoka County014Garfield County301
Dewey County011Wagoner County441
Le Flore County658Alfalfa County000
Texas County113Beaver County110
Cherokee County137Beckham County320
Woodward County343Carter County310
Caddo County244Cimarron County010
Adair County213Coal County010
Choctaw County022Cotton County000
Mccurtain County224Ellis County110
Delaware County235Garvin County310
Blaine County001Grady County420
Love County011Grant County110
Mayes County154Greer County040
Johnston County201Harmon County000
Hughes County011Harper County030
Craig County001Haskell County010
Custer County132Jackson County000
Pittsburg County733Jefferson County040
Pawnee County111Kingfisher County110
Creek County034Kiowa County100
Pontotoc County112Latimer County110
Mcclain County232Lincoln County100
Sequoyah County402Major County100
Rogers County264Marshall County210
Bryan County272Mcintosh County240
Canadian County126Murray County010
Seminole County331Noble County110
Washington County022Nowata County110
Ottawa County301Okfuskee County010
Tulsa County222420Okmulgee County340
Muskogee County312Pottawatomie County530
Oklahoma County363021Pushmataha County000
Payne County142Roger Mills County000
Kay County311Stephens County000
Cleveland County836Tillman County000
Logan County101Washita County110
Osage County341Woods County010
Comanche County232
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Tulsa, you’ll note again, comes in at number one for counties that have notable speeding problems and, in turn, fatalities. Urban areas, then, require your increased awareness.

There is another threat, though, that puts Oklahomans at risk: intoxicated drivers.

Despite wide-spread information dissuading people from drinking and driving, drunk driving remains one of the most common causes of driver fatalities throughout the whole of the United States.

Fatalities in Crashes Involving an Alcohol-Impaired Diver by County

County Name201520162017
Carter County364
Cimarron County735
Comanche County755
Dewey County553
Grant County338
Jackson County773
Johnston County262632
Kay County182525
Logan County1047
Marshall County741
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This kind of drunk driving is often undertaken by teenagers. The combination of driving inexperience and the discombobulation of alcohol results in a startling number of fatalities.

Number of Under 18 DWI Arrests:Total per One Million People (DWI Under 18 Arrests):Rank:
107111.2718
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Oklahoma’s underage fatalities as a result of intoxicated driving rank at 1.3 fatalities, placing the whole of the state slightly above the national average, which is 1.2 fatalities. Luckily, EMS response time is fairly good in Oklahoma. This means that no matter how severe the accident, help will arrive quickly should you be hurt.

Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Rural9.44 min16.21 min49.34 min66.75 min383
Urban4.18 min7.33 min30.04 min37.81 min244
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With a response time between four and nine minutes, calling for help is the best thing you can do if you find yourself in an accident. Urban response time is naturally a bit faster than rural response time, but it’s still reassuring to know that, in case of an unfortunate incident, help is always nearby.

Transportation

Do you own more than one car? In general, Oklahoma residents own an average of two cars. If you have any more than that, well, we’re jealous.

And while commuting isn’t the worst thing in the world, it’s certainly not what most people would willfully choose to go through at 8 am on an average morning. For the employed living in Oklahoma, though, things aren’t so bad. The average commute to work in Oklahoma is reported to take less than 25 minutes, the national average.

How is that commuting being done? Most people in Oklahoma prefer to get to work by car, but that’s not the only mode of transportation available. Public transportation is an entirely viable option for Oklahoma residents, as is carpooling or heading to work via motorcycle.

Oklahoma’s Top Cities for Traffic Congestion

That said, there are some cities wherein the troubles of traffic are unavoidable. You’ll want to plan your morning drive pretty carefully if you live in either Tulsa or Oklahoma City. While the state doesn’t make the specific percentage of time spent in congestion during the day’s peak hours available, you can tell pretty readily that driving through Tulsa or Oklahoma may be slow going right before work begins and just as the day ends.

CityHours Spent in Traffic
Tulsa33
Oklahoma City51
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Even so, there’s no need to fret! Of all of the cities in Oklahoma, only these two make the list. The rest of the state is able to maneuver its roadways with ease, barring construction, and thereby spend a little less time getting stressed out by the other drivers in the area.

So: if by now you’re not an expert on Oklahoma’s car insurance, driver laws, and the ways you can compare insurance providers and save, never fear. Compare car insurance rates now by entering your ZIP code below in our FREE online tool!

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Best Oklahoma Car Insurance Companies

Licensed drivers in the state of Oklahoma are required to carry the minimum liability coverage protecting themselves and their passengers in the event of a car accident.

Those who have 25 or more vehicles registered under their names can take out a self-insurance policy. The average car insurance premium in Oklahoma is $1,811.23. Rates vary from state to state.

Drivers who live in Tulsa pay approximately $1,931.54 on coverage. The average premium for car insurance in Oklahoma City is $1,805.90.

Car insurance rates in Oklahoma run just above the national average. Costs may also vary from one insurer to another. Comparing auto insurance quotes online is the fastest and easiest way to find a company that sells flexible policies at affordable rates.

Oklahoma follows a tort system, which is why most insurance companies recommend drivers to purchase additional coverage.

Reading customer reviews and shopping around can help you get a good deal on car insurance.

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Some Car Insurance Options for Oklahoma

Here is a list of auto insurance providers that offer extensive coverage at reasonable rates:

Cole, Paine & Carlin Insurance Agency, Inc.

Cole, Paine & Carlin Insurance Agency offers home, auto, flood, business, and general liability coverage. This independent insurance provider represents different insurance companies with a strong reputation.

If you buy coverage for your car from Cole, Paine & Carlin Insurance Agency, you will be able to make payments, update your contact information, and file claims online.

The company offers teen rewards, safe driver discounts, and other special savings.

LeBlanc Family Insurance

Founded in 2002, LeBlanc Family Insurance is a local agency that works with well-established insurance companies such as State Farm, Allstate, and Safeco.

Oklahoma residents can purchase auto, homeowners, mobile home, motorcycle, flood, and boat insurance.

The company also sells business insurance plans, including commercial auto general liability coverage. LeBlanc Family Insurance offers free auto insurance quotes.

If you are interested in buying coverage for your car, visit the company’s website and complete the application form.

As an independent Oklahoma insurance agency, LeBlanc Family Insurance offers multiple quotes from different providers.

State Farm

State Farm has been selling auto insurance policies since 1922.

The company handles over 35,000 claims per day and has more tan 68,000 employees throughout the U.S. and Canada.

Customers have access to a wide range of insurance products, including business, life, auto, homeowners, health, and life insurance.

This auto insurance provider operates in 50 states, including Oklahoma. Drivers can opt for bodily injury and property damage liability coverage, collision coverage, personal injury protection coverage, emergency road service coverage, and uninsured/underinsured motorist protection insurance.

State Farm offers low-cost auto insurance policies specifically designed for safe drivers, good students, and new teen drivers.

Safe Auto

Established in 1992, Safe Auto is a top insurance provider that operates in 16 states, including Indiana, Ohio, Oklahoma, and Illinois. The company has a network of licensed insurance agents that are ready to help customers find affordable car insurance policies.

Unlike most auto insurance providers, Safe Auto does not check your credit history. Customers can pay online, by email, or by phone. Other payment options include checks, money orders, and Western Union.

Oklahoma drivers can pay their auto insurance rates in full, bi-monthly, or monthly.

In addition to the minimum car insurance requirements, Safe Auto offers additional types of coverage at affordable rates. Customers can obtain free auto insurance quotes, fill claims, and manage their policies through the company’s website.

ACE Cash Express

ACE Cash Express specializes in payday loans, title loans, and personal auto insurance. Oklahoma drivers can choose from liability coverage, medical payment coverage, personal injury protection, and uninsured/underinsured motorist protection insurance.

The company also provides car rental reimbursement, comprehensive, and collision coverage. Customers can pay at any ACE Cash Express location, online, or over the phone.

Unlike other insurance companies, ACE Express offers competitively priced auto insurance plans to those with a less-than-perfect driving record. The company requires no credit checks.

Most payment plans have discount options. The policies are flexible and can be customized to fit your individual needs. Getting an online car insurance quote from ACE Cash Express takes less than 15 seconds.

MetLife

MetLife has been in business for more than 140 years. This global insurance company is rated “A+” by A.M. Best, “Aa3” by Moody’s Investors Service, and “AA-” by Standard & Poor’s.

With over 90 million customers in 50 countries, MetLife is a leading provider of auto, life, dental, homeowners, and disability insurance.

This auto insurance company features comprehensive plans that include enhanced rental car damage coverage, safe driver credits, and special discounts for safe drivers.

The policies available at MetLife go beyond basic liability and collision coverage.

Customers benefit from free identity theft protection services and guaranteed repairs to their vehicles.

MetLife offers multi-policy auto insurance discounts, safe driver discounts, and special group discounts.

Knights Insurance Agency

Knights Insurance Agency has been offering auto, life, motorcycle, and homeowners insurance since 1992. This local insurance provider features affordable policies, low monthly payments, low down payments, and massive discounts.

Even those who have had car accidents or received speeding tickets can apply for free car insurance quotes. The company offers instant proof of insurance.

For an extra fee, customers receive roadside service nationwide. Shopping for car insurance requires time and effort.

Before you make a decision, contact the Department of Insurance to find out if a company is licensed in Oklahoma. Provide correct and complete answers when applying for free car insurance quotes.

Make sure you know what type of auto coverage suits your needs. Search for information about the main types of auto insurance, check the minimum coverage requirements in your state, and calculate your monthly rates.

Our website provides online rate car insurance calculator and free quote comparison tools.

With a few mouse clicks, you can find a comprehensive policy that includes optional services such as roadside assistance and multiple payment options. Compare at least three auto insurance quotes before choosing a specific plan.

Find out what factors may affect your premium and ask about the current discounts. The competition in tight in the auto insurance industry, so make sure you get the best deal out there.

Find cheap car insurance when you enter your zip into our free comparison quote tool!

Car Insurance in Oklahoma City

  • Oklahoma is a comparative negligence state which means that the car insurance company evaluates the amount due in an accident
  • Oklahoma requires that all drivers on its roads carry at least a minimum amount of limited liability car insurance
  • Drivers in Oklahoma who do not own a vehicle but still drive must carry non-owner car insurance

If one wishes to be able to drive on Oklahoma City’s roads, he must buy car insurance.

The proof of car insurance must be carried at all times and be made available to police officers or other state officers.

Compare Oklahoma City car insurance quotes by entering your ZIP code!

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Oklahoma City Car Insurance Laws

Oklahoma follows the Tort system which means that one of the individuals involved in an accident has to be at fault.

The minimum requirements for car insurance in Oklahoma are as follows:

  • $25,000 for the injury or death of one person in one accident
  • $50,000 for the injury or death of more than one person in one accident
  • $25,000 for any property damaged in an accident

Non-compliance with car insurance laws results in harsh penalties. If one is unable to supply proof of insurance or is charged with not carrying the minimum amount required, then he could end up facing up to $250 in fines, 30 days in jail and even the possibility of having his license and registration suspended.

If the insurance policy is canceled, then one has thirty days to notify the Oklahoma Department of Public Safety of the new policy. Failure to do this can result in the car registration being suspended.

Additionally, the state needs to be notified if there’s a change in the place of residence. Should the department find out that the address is not current, the registration can be suspended.

While uninsured or under-insured policies are not mandatory in Oklahoma, some people do drive without insurance, and if one is in an accident with an individual without insurance then they are protected.

Oklahoma City Car Insurance Companies

Consumers in Oklahoma City have dozens of insurance companies to select from when they are seeking car insurance coverage.

Obviously, finding the right insurer involves more than finding the cheapest insurance provider.

When searching for an insurance provider, it is a good idea to shop around and compare the various options available.

There are some steps that can be taken to reduce the premiums when searching for insurance in the Oklahoma City market.

Every driver should try to maintain a spotless driving record, and if you get a ticket, try to have it expunged from the driving history by attending traffic school.

Having low deductibles is good if you are involved in an accident. However, you need to be sure that you can afford to pay out of pocket.

Remember to ask for any special discounts, as most insurers offer discounts for things like making the car theft proof or insuring a car that has a high government rating for safety.

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Oklahoma City Average Car Insurance Rates

Oklahoma City motorists pay an average of $1,806 for car insurance a year.

This is 0.88 percent less than what insurers pay in some of the neighboring counties, but 18.80 percent more than the average rate in Oklahoma State.

Driving and talking on a cell phone or texting while driving is dangerous and is the cause of a significant number of accidents in Oklahoma City.

Unlike some places, however, there is no statewide ban on the use of cell phones while driving.

Driving under the influence of alcohol is another major cause of accidents, according to Oklahoma City statistics; hence, drivers are prohibited from having open alcohol.

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Compare Oklahoma City Car Insurance Quotes

Comparing car insurance rates online is one of the best ways to find the cheapest rates from the best companies.

Once the online search yields two or three promising insurance providers, it is a good idea to see what their financial standing is.

  • Standard & Poor’s is one of the world’s leading credit ratings providers helping individuals and organizations around the globe make better financial decisions
  • The Fitch Ratings Insurance Group provides ratings for insurance and insurance-related companies
  • Every state has a Department of Insurance that keeps information about companies public

Enter your ZIP below, and start saving today by finding affordable car insurance!

References:

  1. https://www.census.gov/quickfacts/fact/table/ok/PST045218
  2. https://www.history.com/news/why-is-oklahoma-nicknamed-the-sooner-state
  3. https://www.thebalance.com/at-fault-accident-527313
  4. https://www.ok.gov/dps/Administrative_Rules/Financial_Responsibility/
  5. https://www.okc.gov/departments/municipal-court/fines-fees
  6. https://www.naic.org/prod_serv/AUT-PB-15.pdf
  7. https://money.usnews.com/money/personal-finance/spending/articles/how-to-determine-your-disposable-income
  8. https://www.naic.org/
  9. https://www.investopedia.com/terms/l/loss-ratio.asp
  10. https://www.ok.gov/dps/documents/driver_manual.pdf
  11. http://www.carwindshields.info/states
  12. https://www.iii.org/article/background-on-insurance-fraud
  13. https://www.ok.gov/oid/documents/2018%20AnnualReport-FINAL2.pdf
  14. https://www.iihs.org/iihs/topics/laws/statelaws?stateabbr=OK
  15. https://secondmeasure.com/datapoints/rideshare-industry-overview/
  16. https://ucr.fbi.gov/crime-in-the-u.s/2013/crime-in-the-u.s.-2013/tables/table-8/table-8-state-cuts/table_8_offenses_known_to_law_enforcement_oklahoma_by_city_2013.xls
  17. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  18. https://datausa.io/profile/geo/oklahoma/#category_transportation

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Monthly Oklahoma Car Insurance Rates by ZIP Code
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Oklahoma
Oklahoma Car Insurers by Market Share %
Oklahoma Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Oklahoma
Monthly Oklahoma Car Insurance Rates by ZIP Code
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Oklahoma
Oklahoma Car Insurers by Market Share %
Oklahoma Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Oklahoma