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Car Insurance
Oklahoma City OK
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No Long Forms
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(888) 291-7830
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Written by: Andrew Brown
Quality Checked by: Samantha Reed
Car insurance rates are expensive in Oklahoma City OK due to a number of factors. Oklahoma has a high rate of uninsured drivers, making it more difficult for those who do have coverage to avoid paying higher premiums. Additionally, Oklahoma has some of the highest rates of car accidents and motor vehicle theft in the nation, which can lead to higher claims costs for insurers writing policies in Oklahoma. On top of that, Oklahoma is classified as an ""at-fault"" state when it comes to car accidents, meaning that fault must be determined before any compensation (from either insurance company) is paid out. This means that if you're involved in an accident and you're found at fault, your insurer will likely raise your rates accordingly. Lastly, Oklahoma has a higher rate of catastrophic storms which can cause substantial damage to vehicles and result in higher claims costs for Oklahoma drivers. For all these reasons, Oklahoma residents may find car insurance rates much more expensive than other parts of the country.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,250 |
| 20 Years | $2,079 |
| 30 Years | $1,601 |
| 40 Years | $1,541 |
| 50 Years | $1,427 |
| 60 Years | $1,447 |
| 70 Years | $1,684 |
Drivers in Oklahoma City face some of the highest auto insurance rates in the nation, regardless of their age. However, young drivers tend to pay more than their older counterparts due to their lack of experience and the associated risk of a higher likelihood of filing a claim. Drivers under 25 years old can expect to pay up to twice as much for auto insurance compared to those 25 and older.
The Oklahoma Insurance Commission requires that all drivers carry at least $25,000 per person/$50,000 per accident for bodily injury liability coverage, plus an additional $25,000 for property damage liability coverage. Oklahoma City Oklahoma also has minimum levels for uninsured or under-insured motorist coverage which is meant to protect you if you’re hit by a driver without insurance.
In Oklahoma City, many insurers will offer discounts to young drivers who: take an approved driving course, or maintain good grades in school; achieve safe driving records (no major violations); and/or agree to install monitoring devices that track their speed and distance traveled. These discounts can help lower premiums for young Oklahoma drivers significantly.
Ultimately, Oklahoma City auto insurance rates vary by individual and may be higher or lower depending on age, location, years of experience behind the wheel, traffic violations, credit score and other factors. Shopping around is the best way to get the lowest rate possible. Comparing quotes online is easy but it's important to make sure you’re getting coverage from an Oklahoma-licensed provider.
No matter what your age, Oklahoma City drivers should always be mindful of their driving habits and strive to practice safe driving behaviors at all times. Doing so not only benefits you, but also everyone else on Oklahoma roads.
|
| State Farm | Oklahoma Farm Bureau | Progressive | Shelter | Farmers |
| NAIC Market Share | 16.14% | 2.93% | 13.45% | 8.9% | 4.16% |
| S&P Global Ratings | AA | B++ | A | A+ | A |
| Average Full Coverage Yearly Premium | $1,543 | $2,044 | $2,288 | $2,791 | $5,069 |
| Discount Rating | 3 stars | 3 stars | 5 stars | 5 stars | 5 stars |
|
| State Farm | Oklahoma Farm Bureau | Progressive | Shelter | Farmers |
| NAIC Market Share | 16.14% | 2.93% | 13.45% | 8.9% | 4.16% |
| S&P Global Ratings | AA | B++ | A | A+ | A |
| Average Full Coverage Yearly Premium | $1,543 | $2,044 | $2,288 | $2,791 | $5,069 |
| Discount Rating | 3 stars | 3 stars | 5 stars | 5 stars | 5 stars |
|
| State Farm | Oklahoma Farm Bureau | Progressive | Shelter | Farmers |
| NAIC Market Share | 16.14% | 2.93% | 13.45% | 8.9% | 4.16% |
| S&P Global Ratings | AA | B++ | A | A+ | A |
| Average Full Coverage Yearly Premium | $1,543 | $2,044 | $2,288 | $2,791 | $5,069 |
| Discount Rating | 3 stars | 3 stars | 5 stars | 5 stars | 5 stars |
4030 NW 10th St, Oklahoma City, OK 73107
(405) 943-5575
http://stateautoinsuranceok.com/
2520 NW 23rd St, Oklahoma City, OK 73107
(405) 942-8867
http://www.aicok.net/
4717 S Western Ave, Oklahoma City, OK 73109
(405) 631-5575
https://www.stateautoinsuranceok.com/
115 SE 29th St, Oklahoma City, OK 73129
(405) 632-4951
http://serviceautoinsuranceokc.com/
2917 N Martin Luther King Ave, Oklahoma City, OK 73111
(405) 424-5575
http://www.stateautoinsuranceok.com/
1230 NE 23rd St, Oklahoma City, OK 73111
(405) 427-0611
http://www.allaboutautoins.com/
Oklahoma is known for its diverse terrain, from sprawling plains to towering mountains. When it comes to finding the best car insurance in Oklahoma City, drivers have plenty of options. From nationwide carriers to regional providers, Oklahoma has something for everyone when it comes to reliable coverage and competitive rates. To help you compare Oklahoma car insurance companies, we’ve compiled a list of the top rated carriers based on customer service, value, financial strength and more. Here are some of the best car insurance companies in Oklahoma: State Farm, Farmers Insurance Group, Liberty Mutual Insurance Group, USAA and Geico. Each of these companies offers unique benefits and discounts that can help Oklahoma drivers save money while still getting the coverage they need. Whether you’re looking for liability coverage, comprehensive coverage or something else entirely, Oklahoma’s top car insurance companies are sure to have what you need. Take the time to compare rates and providers today to get the most value out of your Oklahoma car insurance policy.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $4992 | $996 |
| Reckless Driving | $4322 | $970 |
| Wrong Way/Wrong Lane | $3535 | $927 |
| Driving on Sus. License | $3318 | $914 |
| Illegal Turn | $3161 | $896 |
| Failure to Obey Traffic Sign | $2774 | $878 |
| Speeding over 15 | $2152 | $850 |
| Defective Equipment | $2128 | $800 |
| Speeding under 15 | $2021 | $790 |
When drivers in Oklahoma City commit traffic violations, they may be subject to increased insurance premiums. Oklahoma's Department of Public Safety (DPS) tracks all driving infractions that occur within the state, and many offenses can lead to higher insurance costs for drivers. Some common traffic violations include speeding, failing to stop at a red light or stop sign, reckless driving, distracted driving, and driving without a valid license.
Speeding is one of the most common traffic infractions in Oklahoma. Oklahoma City drivers who are pulled over for speeding face fines as well as an increase in their insurance premiums. In Oklahoma, drivers who exceed the speed limit by more than 10 mph will be assessed double points on their record and could see an increase in rates from their insurance company.
Driving without a valid license can also lead to increased insurance premiums. Oklahoma requires all drivers to carry a valid driver's license and any infraction related to this offense could result in an increase in rates for the policyholder. Oklahoma City drivers who are caught driving without a license should consult with their insurance provider about the potential impact on their premiums.
Reckless driving is another offense that can result in higher premiums for Oklahoma City drivers. This includes behaviors such as speeding, weaving between lanes, and running red lights or stop signs. In Oklahoma, reckless driving is considered a major violation and can carry stiff penalties including fines, jail time, and points on the driver's record. In addition, insurance companies may increase premiums for drivers who have been convicted of reckless driving.
Finally, Oklahoma City cracks down on distracted driving, which includes activities such as texting and talking on a cell phone while driving. Such behavior can put drivers at higher risk of an accident and insurance companies may raise premiums for drivers who are caught engaging in it.
In Oklahoma City, traffic violations can carry serious consequences that go beyond just the fines associated with them. Drivers should be aware that any infraction could potentially lead to increased insurance premiums, so it is important to drive safely and obey all traffic laws. Doing so can help Oklahoma drivers avoid costly increases in their rates.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1574 |
| Below Fair | $3116 |
| Poor | $3680 |
| Worst | $4559 |
Your credit score can have a big impact on how much you pay for car insurance in Oklahoma City. Insurance companies use credit scores to help determine your rate, since they consider people with higher credit scores to be more responsible and thus less likely to file a claim. The effect of a poor credit score may vary from company to company, so it’s important to shop around for quotes when looking for cheaper car insurance in Oklahoma. Even if you don’t get the lowest possible rate due to your credit score, you may still be able to find an affordable policy that meets your needs. Being mindful of other factors such as coverage levels and discounts can also help keep Oklahoma car insurance costs low.
When Oklahoma City residents are looking for a new car, it’s easy to get caught up in the excitement of finding the perfect vehicle. But it’s important to remember that the total monthly cost of owning your chosen vehicle is just as important. Make sure you factor in insurance costs and other fees such as registration or taxes when creating your budget. Also keep an eye on any special deals offered by Oklahoma dealerships or manufacturers. A great deal can help make affording a new car easier than ever! Oklahoma residents should do their research and compare different financing options before making a decision so they can choose the plan that best fits their needs and budget. With the right knowledge and preparation, Oklahoma residents can find the perfect vehicle without breaking the bank.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
When it comes to auto insurance in Oklahoma City, drivers are required by law to be adequately insured. The state requires that you maintain at least liability coverage, but there are other types of insurance that can offer more protection against potential losses or damages. Full Coverage vs Liability only insurance is a popular choice for Oklahoma drivers as it offers varying levels of protection.
Liability only covers damages and injuries caused by the policyholder while they are driving their vehicle. This type of policy will cover medical expenses, legal fees and property damage up to a specific limit set forth in the policy. While this type of coverage will provide some basic protection, it does not cover any damages incurred due to an accident involving your own vehicle or any additional financial losses such as lost wages in Oklahoma City.
Full Coverage policies, on the other hand, offer a greater level of protection for Oklahoma City drivers. Not only does this type of policy provide liability coverage but it also offers additional coverage such as collision and comprehensive insurance. This type of policy will cover damages to your own vehicle due to an at-fault accident or if your car is damaged by vandalism, fire or theft. Full coverage policies also offer uninsured motorist coverage in Oklahoma, which provides financial assistance in case you are involved in an accident with a driver who has no insurance.
Oklahoma requires drivers to have a minimum of liability insurance coverage. The requirements are as follows: $25,000 for injury/death of one person, $50,000 per accident for bodily injury or death and $25,000 for property damage in any given accident. Oklahoma's state law also requires that all vehicle owners carry uninsured motorist coverage (UIM) with the same limits as the liability required. UIM covers you if you are hit by an uninsured driver or you experience an underinsured claim. Oklahoma is a tort state which means that the at-fault party is responsible for paying damages caused in an accident. It is important to have adequate insurance coverage in Oklahoma City to make sure you are protected from expenses associated with injuries and damages caused in an accident. Oklahoma also requires drivers to carry a minimum amount of personal injury protection (PIP) coverage. This type of insurance covers medical expenses and lost wages for anyone injured in the car accident regardless of who is at fault. PIP limits are set at $25,000 per person per accident. Oklahoma law also requires that every vehicle owner has a valid liability insurance policy on their vehicles as proof of financial responsibility in case of an at-fault accident. Oklahoma drivers should be aware of these requirements when purchasing auto insurance so they can ensure they have adequate coverage while driving in Oklahoma.
Oklahoma City drivers who don't own a car can still obtain non-owner car insurance. This type of policy provides coverage for individuals who don’t own a vehicle but need to insure themselves against liability claims or losses that might occur while driving someone else’s car. Non-owner auto insurance is especially helpful for Oklahoma drivers who frequently borrow or rent vehicles, like students and business travelers. Additionally, Oklahoma drivers with multiple DUI convictions may be required to carry this type of policy before being allowed to drive again. For Oklahoma drivers looking for reliable non-owner coverage at an affordable rate, it pays to shop around and compare rates from various providers. Whether you're a student, business traveler, or even have multiple DUIs on your record, non-owner car insurance in Oklahoma can provide you with sound coverage while driving someone else's vehicle.
Oklahoma City drivers have the opportunity to save money on their car insurance premiums with a variety of discounts. Oklahoma drivers may qualify for multi-vehicle, good driver, safe driver, and low mileage discounts. Oklahoma also has specific programs available for senior citizens and military personnel. Oklahoma residents may also benefit from bundle discounts when they purchase multiple policies together from the same insurer. Additionally, Oklahoma Auto Insurance offers an Accident Forgiveness Program which helps those who have experienced recent accidents or traffic violations maintain their premium rates. By taking advantage of these special discounts and programs Oklahoma drivers can save substantial amounts of money on their car insurance premiums.
As a parent, you understand the importance of protecting your teenager and making sure they are safe when they start driving on Oklahoma City roads. With that in mind, you should also be aware of the importance of getting auto insurance coverage for your teen driver.
In Oklahoma City, it is required by law to have a minimum amount of auto liability insurance coverage before anyone can legally operate a motor vehicle. This includes teenagers who are new to driving. Oklahoma has two main types of liability insurance that must be purchased: Bodily Injury Liability Coverage and Property Damage Liability Coverage. These two coverages will help protect your teen from financial losses in case there is an accident involving another person's property or bodily injury to another person involved in the accident.
Auto insurance can be expensive, but if you shop around and compare quotes from different companies, you may be able to find a policy that fits your budget. It is also important to discuss any discounts or special programs that are available in Oklahoma City for teenagers who have good driving records. Additionally, consider raising the deductible on your policy to lower the premium costs. The higher the deductible, the lower your premiums will be so it is worth exploring all options when shopping for auto insurance coverage for your teen driver.
If you're a driver in Oklahoma City, you may be wondering if you have to purchase SR-22 insurance. The answer is yes – Oklahoma requires all drivers who are convicted of certain offenses to file an SR-22 form and obtain SR-22 insurance coverage. This type of auto insurance provides higher levels of liability protection than most traditional car insurance policies.
In Oklahoma City, the following motor vehicle violations will require SR-22 filing: drunk driving (DUI), reckless driving, hit and run, vehicular manslaughter or homicide, driving without proof of financial responsibility (insurance) and excessive speeding. Oklahoma also requires any driver that has their license suspended or revoked for any reason to obtain an SR-22 certificate before they can reinstate their license.
SR-22 insurance can be expensive, and Oklahoma City drivers may also face additional fines, fees and license suspensions when they are required to file an SR-22 form. If you're in Oklahoma and have been notified that you must obtain SR-22 insurance coverage, contact your auto insurance provider for more information about what types of coverage you need to meet Oklahoma's requirements.
If you are in Oklahoma City and are having difficulty paying your auto insurance premiums, there may be government assistance that can help. Oklahoma has several programs to assist people with their auto insurance on a state and federal level. Oklahoma's Department of Human Services provides assistance through the Oklahoma Insurance Discount Program (OIDP). The program helps lower-income individuals and families pay for private auto insurance coverage. Eligible Oklahomans must meet certain requirements, including proof of Oklahoma residency, income, and vehicle ownership.
The Oklahoma Department of Mental Health and Substance Abuse Services also offers the Liability Coverage Assistance Program (LCAP). This program helps low-income individuals purchase required liability coverage for two vehicles up to $100,000 per person and $300,000 per accident. In addition, Oklahoma City residents may be able to get assistance through the Oklahoma Insurance Department's Oklahoma Automobile Insurance Plan (OAIP). This program helps drivers who have difficulty obtaining coverage in the voluntary market find an insurer willing to provide them with insurance.
Finally, Oklahoma City residents may also qualify for financial help from the federal government. The Low Income Home Energy Assistance Program (LIHEAP) provides financial assistance to Oklahoma households with income at or below 150 percent of the poverty level. LIHEAP can cover a portion of auto insurance premiums and other car-related expenses such as repairs and safety inspections.
If you are having trouble paying your auto insurance bills in Oklahoma City, there could be help available
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Oklahoma City, Oklahoma. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Oklahoma City, OK. If you're looking for coverage after a DUI conviction then take a look at Oklahoma SR22.
Bundling auto and homeowners insurance in Oklahoma City promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Oklahoma City insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Oklahoma City at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
