Best Car Insurance in Oklahoma 2023

If you are looking for the best car insurance in Oklahoma, you have come to the right place since comparison shopping plays an essential role in making the best buy! Settling for an insurance policy quote you receive from the first company you reached out to could mean paying higher costs than necessary. Therefore, it is wise to gather various car insurance Oklahoma estimates to find the best coverage possible.

Selecting an auto insurance company can be quite overwhelming, especially with countless insurance providers available near you. To make things easier for you,we have created a detailed guide about the best car insurance providers in the Sooner State, Oklahoma, to ensure you make an informed decision. If you are looking for a car insurance outside of Oklahoma, make sure to look at our list of best car insurance providers in the United States. 

What Are State Minimum Requirements?

Oklahoma Auto Insurance Requirements

The state of Oklahoma requires every citizen to carry a certain car insurance amount. Failure to do so can lead to severe penalties, including jail time and monetary fines. When it comes to Oklahoma car insurance requirements, under the tort system of Oklahoma, you may be liable for economic damages, actual damages, and physical and emotional suffering and pain.

Minimum Auto Insurance Coverage in Oklahoma

The minimum mandatory insurance of cars for drivers in Oklahoma is:

• Bodily Injury Liability: $50,000 per accident and $25,000 per person
• Uninsured Motorist: $50,000 per accident and $25,000 per person
• Property Damage: $25,000

Insurers in Oklahoma are required to provide uninsured motorist coverage to drivers. However, as the driver, you have the option to reject the coverage. The state also doesn’t require citizens to carry any additional insurance coverage, such as collision and comprehensive or personal liability insurance. However, if one owns property or some invaluable assets, taking advantage of the minimum state requirements could protect against monetary loss.

State Minimum Requirements and Penalties

According to Oklahoma’s law, you must carry evidence of Oklahoma auto insurance in your vehicle. Failure to show the necessary documents if a law enforcement officer asks to see them can result in major penalties.

A first offense could result in a fine of $250 and a license reinstatement fee of $275. Offenders may also get a jail sentence of 30 days. Furthermore, your license plates can be seized if you fail to show the required proof of car insurance, and temporary plates could be assigned along with liability insurance that is effective for ten days. Authorities can also impound your vehicle.

Average Costs of Car Insurance in Oklahoma

State Average Costs by Age

Age Group	Average Yearly Cost
20-30	$1,762.22
30-40	$1,454.095
40-50	$1,372.95
50-60	$1,325.245

The Oklahoma car insurance quotes vary according to age mainly because of the risk associated with the driver. Individuals between the ages of fifteen and nineteen represent 8% of the overall cost of injuries caused by accidents. New drivers hold a greater risk of being in an accident.

When an insured driver is involved in an accident, their insurance company has to cover the loss. Hence,  insurance providers charge more premiums for high-risk drivers. Therefore, even if you are an extremely cautious driver, your age will play a significant factor in the insurance policies you receive.

Average Car Insurance Rates Oklahoma by Gender

Gender	Average Yearly Premium
Female	$1,528.40
Male	$1,513.96

The auto insurance quotes in Oklahoma also vary according to gender. Men are believed to indulge in riskier actions than women, including driving recklessly driving, drunk driving, or driving under the influence, etc. Therefore, the insurance cost for male drivers is typically higher than the cost for female drivers.

However, according to recent research, it is believed that women end up paying higher costs under the fixed annual pricing system. This is because male drivers are involved in a higher number of accidents and drive more miles.

Cost of Car Insurance by Top Cities

City	Average Annual Rate
Oklahoma City	$1,542
Tulsa	$2,006
Norman	$2,160
Broken Arrow	$1,968

Whether you are looking for cheap car insurance OKC or the best policy that money can buy, making relevant comparisons is necessary to find a solution that fulfills all your requirements. Along with age and gender, car insurance rates can also vary between states. This variance is based on multiple factors, including the frequency of accidents, crime rates, or the likelihood of vandalism or theft at the location. The insurance rates in Oklahoma don’t differ much based on cities.

Cheapest Providers

Finding cheap car insurance in Tulsa, OK, and other parts of  Oklahoma starts with cost comparison among different car insurance providers. It depends on your credit history (good credit score or bad credit score), driving record, age, gender, residential location, and the car you drive, and more. Students with good grades may also be eligible for low rates and discounts.

Many insurance companies in Oklahoma also offer discounts for drivers willing to have a behavior tracking device installed in their vehicle. Others may offer discounted rates for members of certain auto clubs, credit unions, and other organizations. Parking your vehicle in a safe garage can also allow you to enjoy reduced insurance rates.

Cheap Oklahoma Car Insurance Providers

Cheapest Full Coverage Auto Insurance in Oklahoma

• Shelter: $1,607 per year
• Progressive: $1,604 per year
• Allstate: $1,557 per year
• American Farmers & Ranchers: $1,357 per year
• Geico: $984 per year

Best and Cheapest Car Insurance for Drivers with a DUI

• Farmers: $2,313 per year
• Equity: $2,214 per year
• Progressive: $1,992 per year
• Allstate: $1,991 per year
• Geico: $1,954 per year

Cheapest Auto insurance in Oklahoma for Speeding or Distracted Driving Tickets

• Oklahoma Farm Bureau: $2,079 per year
• State Farm: $2,030 per year
• American Farmers & Ranchers: $1,772 per year
• Allstate: $1,710 per year
• Geico: $1,319 per year

Cheap Auto Insurance in Oklahoma for Drivers with Bad Credit

• Allstate: $943 per year
• Oklahoma Farm Bureau: $912 per year
• Equity: $790 per year
• American Farmers & Ranchers: $736 per year
• Geico: $496 per year

Low-Cost Auto Insurance in Oklahoma for Young Drivers in Oklahoma

• State Farm: $1,875 per year
• Progressive: $1,703 per year
• Allstate: $1,635 per year
• American Farmers & Ranchers: $1,502 per year
• Geico: $938 per year

Best and Cheap Car Insurance in OKC for Married Couples

• American Farmers & Ranchers: $2,327 per year
• Shelter: $2,298 per year
• Progressive: $2,002 per year
•  llstate: $1,990 per year
• Geico: $1,421 per year

Oklahoma Auto Insurance Laws, Traffic Rules, and Penalties

There are many traffic violations that can cause you to get a traffic ticket in Oklahoma. However, the penalties you pay depend mainly upon the type of offense you conduct, the area the ticket was issued, and your court. Serious traffic violations result in hefty fines or license suspension, along with your driving privileges being revoked.

According to Oklahoma car insurance laws, you must carry evidence of auto insurance in your vehicle otherwise you can face major penalties. Along with Oklahoma car insurance rules, there are some traffic ticket penalties that you need to be aware of to remain protected and safe on the roads.

Traffic Ticket Penalties in Oklahoma

When an individual is convicted of a traffic offense, they face various penalties, including loss of driving privileges, driver’s license being suspended or revoked, or even jail time. While a suspension means a temporary loss of your driver’s license, your license will be terminated in case of revocation.  You will be required to go through the entire process of applying for a driver’s license to drive a vehicle on the roads again.

A revocation may occur due to manslaughter, or drug conviction, or DUI. Aside from heavy fines, points will be added to your driving record with every traffic ticket. Oklahoma’s point system dictates that if a person accumulates ten or more points with a period of five years, their license will be suspended.

Best Car Insurance Companies in Oklahoma

Company	Car Insurance Market Share	AM Best Rating	BBB Rating	Average Yearly Premium
Allstate	15%	A+	A+	$1,880
State Farm	22.5%	A++	A+	$1,234.25
USAA	19%	A++	A+	$885
Farmers	10.9%	B++	A+	$1,665.78
Progressive	8%	A+	A+	$1,604
Auto-Owners	2.6%	A++	A+	$1,636.44

Allstate Auto Insurance

Allstate is one of the leading  Oklahoma car insurance companies. It has an extensive network of 10,800 expert agents and that too in all U.S. states. If you are looking for cheap auto insurance in Oklahoma, Allstate is the solution as it offers various ways for customers to reduce their insurance premiums.

Allstate offers multiple policies, pay-in-full, and new car discounts along with additional advantages such as a safe driver and accident forgiveness bonus. This auto insurance in Oklahoma also offers several ways to file a claim in the most optimized manner, including online service and mobile app. You can also call an Allstate agent directly on their toll-free number.

State Farm Car Insurance

Whether you are looking for cheap auto insurance in Tulsa, Oklahoma, or any other city within the state, there is a wide range of options available on our list. State Farm is one of the cheapest auto insurance in Oklahoma, providing a broad range of options to its customers. Between term life, universal life, and whole life policies, you have many coverage options you can choose from and riders you can add. With State Farm, you not only get cheap car insurance in Oklahoma but get to customize policies as per your personal needs.

USAA Auto Insurance

With USAA, you can get car insurance quotes in Oklahoma for term, universal and whole life policies. A lot of insurance companies often require individuals to contact an expert agent to receive a quote. However, with USAA, you can get a car insurance quotes in Oklahoma online. You don’t even need to be a member of the company.

Suppose you want to benefit from a substantial amount of insurance coverage to ensure that your family remains protected. In that case, USAA offers coverage amounts that go as high as 10 million dollars. Since other companies often go only as high as a million dollars, the additional coverage that USAA offers is a significant benefit.

Farmers Auto Insurance

Farmers Insurance offers the best car insurance in Oklahoma. When you purchase a new car, t you can benefit from the New Car Pledge. With this innovative insurance coverage option, the company replaces your vehicle with the same model and makes it at full market value without any depreciation. However, your car shouldn’t be older than two years and should have less than 24,000 miles on it.

This state auto insurance in Oklahoma City also offers special coverage for collectible and antique cars, which is often quite difficult to find. To get a quote, all you need to do is contact their agent and move towards purchasing a policy that can keep you and your loved ones protected. If you drive for Uber, Lyft, or any other rideshare company, you can add rideshare insurance to your policy.

Progressive Auto Insurance

Progressive is one of the best car insurance companies in Oklahoma. It offers several discounts to reduce the insurance premiums so you can enjoy auto protection at a lower cost. Some discounts available at Progressive include multiple policies, pay-in-full, and good student discounts.

If you drive for Uber, Lyft, or any other rideshare company, you can opt for rideshare insurance. This company offers low-income car insurance in Oklahoma, along with guaranteed auto protection that you can benefit from if you leased or financed your vehicle.

Auto-Owners Insurance

When it comes to the top car insurance companies in Oklahoma City, Auto-Owners remains one of them. It works with independent professional agents to sell auto coverage policies along with business, home, and life insurance packages. Auto-Owners is safe auto insurance in Oklahoma City that operates in a total of 26 states. It offers some discounts and advantages for its policyholders. One drawback to this insurance provider is that its customer support is restricted to its online platform. Auto-Owners also offers add-on options and coverages, such as gap coverage, additional expenses insurance, diminished value coverage, personal automobile plus package, liability, roadside assistance, and more.

Bottom Line

These reviews of the best car insurance companies in Oklahoma will help you find the right option for you.  Be sure to go through all the details and factors mentioned in our guide before making a final decision to get the best coverage possible!