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The Best Cheap Oklahoma Car Insurance for 2024

Updated
Kailey Hagen
By: Kailey Hagen

Our Insurance Expert

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Oklahoma auto insurance rates fall pretty close to the national average for most drivers. But savvy insurance shoppers can score a better deal by searching for the cheapest car insurance in Oklahoma. Here's a look at which insurers fit that bill for several common driver profiles.

  • Best for typical drivers: Geico
  • Best for drivers with prior accidents: AFR Insurance
  • Best for drivers with prior speeding tickets: Geico
  • Best for young drivers: AFR Insurance
  • Best for senior drivers: Geico
  • Best for drivers looking for minimum coverage: Mercury Insurance
  • Best for drivers with poor credit: AFR Insurance

Best for typical drivers

A 35-year-old male driver with no accidents pays about $2,225 per year for Oklahoma auto insurance, while his female counterpart pays a little less at $2,143 per year. But both can save considerably by going with Geico. Its average annual premium is just $1,358 for male drivers and $1,345 for female drivers.

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These insurers are also among the best car insurance companies in Oklahoma:

  • AFR Insurance, which charges men about $1,572 per year and women about $1,522 per year for Oklahoma auto insurance
  • Mercury Insurance, where women pay about $1,623 per year and men pay slightly more at $1,625 per year

Best for drivers with prior accidents

Even a single accident raises the average Oklahoma auto insurance premium considerably. These drivers pay about $2,936 per year on average, though those who go with AFR Insurance only pay $1,522 per year.

Drivers with accident histories can also get cheap car insurance quotes in Oklahoma with these companies:

  • Oklahoma Farm Bureau Insurance, which charges these drivers about $2,343 per year
  • Geico, where drivers with one accident pay about $2,428 annually for Oklahoma car insurance

Best for drivers with prior speeding tickets

Speeding tickets also raise the typical Oklahoma car insurance premium. Drivers with one speeding ticket pay about $2,719 per year, but those who choose Geico can save about $700. It only charges these drivers about $2,005 per year.

Drivers with speeding tickets can also score low-cost car insurance with these companies:

  • Allstate, which charges these drivers about $2,102 per year
  • Mercury Insurance, where drivers with one speeding ticket pay $2,153 annually

Best for young drivers

Teen drivers pay above-average rates for their Oklahoma auto insurance. The average annual premium for an 18-year-old male with a clean record is $7,196 per year. But those who go with AFR Insurance will pay less than a third of that. Its average annual premium for these drivers is just $2,070.

Young drivers can also score cheap auto insurance in Oklahoma with these companies:

  • Shelter Insurance, which charges teens about $4,393 per year
  • Geico, where teen drivers pay about $5,629 annually for Oklahoma auto insurance

Best for senior drivers

A 65-year-old driver pays about $1,953 per year on average for Oklahoma car insurance. But those who go with Geico only pay around $1,387 per year.

These companies also offer affordable car insurance in Oklahoma to seniors:

  • Shelter Insurance, where seniors pay about $1,495 per year
  • AFR Insurance, which charges a 65-year-old driver with a clean record about $1,572 per year

Best for drivers looking for minimum coverage

Oklahoma minimum car insurance costs about $547 per year on average. But those who choose Mercury Insurance get the same coverage for just $329 annually.

Drivers can also find cheap liability car insurance in Oklahoma with these companies:

  • Geico, where state minimum coverage costs $352 per year
  • AFR Insurance, where minimum coverage costs about $370 annually

Best for drivers with poor credit

Poor credit will raise an Oklahoma driver's insurance rates to about $3,625 per year on average. But those who choose AFR Insurance will only pay around $2,333 per year.

These companies also offer some of the best car insurance in Oklahoma to drivers with poor credit:

  • Oklahoma Farm Bureau Insurance, which charges these drivers about $2,550 per year
  • Geico, where these drivers pay about $2,609 per year

Average car insurance cost in Oklahoma compared to the national average

How much is car insurance in Oklahoma? That depends a lot on the driver, their vehicle, their address, and more. For most drivers, Oklahoma auto insurance premiums hang pretty close to the national average, though teen drivers can expect to pay more than average. Here's a look at how Oklahoma's average premiums stack up to the rest of the country for several of the driver profiles mentioned above.

Average Rate Category Oklahoma National Average
Overall $2,839 $2,875
Young drivers $7,196 $6,087
1 accident on driving record $2,936 $3,226
1 speeding ticket on driving record $2,719 $2,840
Data source: Quadrant data.

Oklahoma auto insurance laws

All drivers should familiarize themselves with these Oklahoma car insurance laws:

Oklahoma is an at-fault state

Like most of the country, Oklahoma is an at-fault auto insurance state. This means that in an accident involving two or more vehicles, the driver found to be at fault must pay for the medical bills for all parties involved. This is different from no-fault states where each driver bills their own insurer for medical costs, unless the damages are substantial.

Consequences for driving without insurance in Oklahoma

Skipping Oklahoma minimum car insurance could result in the following penalties:

  • Fines of up to $250
  • Up to 30 days in jail
  • Suspension of driver's license
  • Suspension of vehicle registration

Oklahoma minimum coverage requirements

All Oklahoma drivers must have at least the following coverage:

Bodily injury liability coverage

Drivers must carry at least:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident

Property damage liability coverage

In addition, drivers need at least $25,000 of property damage liability coverage.

How to get cheap auto insurance in Oklahoma

Drivers looking for cheap car insurance in Oklahoma should try the following:

  • Compare quotes from several providers: Each insurance company evaluates risk differently, which is why they all give the same driver different prices. Comparing is the only way to know which offers the best car insurance rate for a specific person.
  • Consider saying yes to optional programs: Many auto insurance discounts are automatically applied to a driver's premium, but there are some the driver must opt into. For example, driver monitoring programs can bring significant discounts, but they require the driver to consent to having their driving behavior monitored via a small device in their car.
  • Choose a higher deductible: Deductibles are the out-of-pocket costs a driver pays in the event of an accident. Choosing a higher one typically lowers monthly premiums.

Other things to consider when looking for car insurance in Oklahoma

Here are a few other things drivers ought to keep in mind when shopping for Oklahoma auto insurance:

Tulsa has the 10th-highest rate of auto theft in the nation

In 2020, Tulsa saw over 5,500 auto thefts, according to the Insurance Information Institute. That earns it a place among the top 10 hotbeds for auto theft in the U.S. Drivers who live here can take steps to protect their vehicle from theft by storing it in a garage or installing an anti-theft device, but they should also invest in comprehensive coverage. This pays to repair or replace the policyholder's vehicle if it's stolen, vandalized, or damaged by bad weather or a run-in with an animal.

State minimum coverage isn't always enough

Oklahoma state minimum coverage is all a driver needs to drive legally, but it's not always enough to cover the full cost of an accident. If the damages exceed the policyholder's limits, they'll have to pay for the remainder out of their own pocket. This can get expensive quickly. That's why it's always a good idea to purchase more than the state minimum coverage whenever possible.

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