How to find the cheapest car insurance in Oklahoma City

Almost 700,000 people call the “Big Friendly” home, and it’s a vital stop on the I-35 and I-40 travel corridors to Wichita and Kansas City in the north and Texas and New Mexico in the south. Oklahoma City wears its cowboy beginnings on its sleeve; it maintains an international reputation for trading livestock and for being the “Horse Show Capital of the World.”

Thanks to its popularity and position in the infamous “Tornado Alley,” Oklahoma City car insurance is competitive with the national average rate but higher than the state average. It costs an average of $75 per month ($905 per year) for minimum coverage and $163 per month ($1,956 per year) for full coverage.

Jerry can help you find the best rates in Oklahoma City by comparing car insurance quotes from top providers. It’s user-friendly, only takes 45 seconds to sign up, and the quotes are free.

Best car insurance companies in Oklahoma City

Every company has different strengths and weaknesses; the best fit for you depends on your priorities.

Oklahoma drivers who valued overall excellence voted AAA the top provider, while those who preferred top-notch customer service gave the highest score to Allstate. Drivers who like a smooth claims experience preferred Progressive.

As for the most affordable auto insurance rates, you can see some of the most affordable providers below:

Best cheap auto insurance quotes in Oklahoma City

The state of Oklahoma sets the minimum car insurance every driver must carry to legally drive, as well as the applicable coverage limits. The state minimum coverage might be the least expensive option, but it doesn’t provide a lot of financial protection.

Jerry’s insurance experts generally recommend purchasing a full coverage car insurance policy and at least 100/300/100 of liability insurance coverage.

Cheap minimum liability insurance quotes in Oklahoma City

Oklahoma’s minimum car insurance requirements only mandate one type of coverage: liability insurance. Liability insurance pays the medical expenses of anyone you harm (and/or the repair or replacement bills of any property you damage) after a car accident caused by your negligence.

The minimum limits for liability coverage follow the 25/50/25 rule:

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident
• $25,000 of property damage liability coverage per accident¹

Oklahoma City drivers pay an average of $75/month ($905/year) for minimum coverage and $163/month ($1,956/year) for a full coverage policy. For comparison, the Oklahoma state average is between $60 and $137/month.

KEEP IN MIND: These rates may drop in the future. So far, the state’s Uninsured Vehicle Enforcement Diversion program has successfully enrolled 100,000 uninsured drivers.² Fewer uninsured drivers on the roads may eventually lead to lower insurance costs, but there remains a lot of work to be done.

Do you need more than minimum coverage in Oklahoma City?

Jerry recommends that Oklahoma City drivers carry more than the minimum insurance coverage required. Raising your coverage limits and purchasing additional coverage options both play a part in protecting your finances.

Consider this: the average cost of an evident car accident injury is $40,000³. Most new cars carry a price tag higher than $25,000. A car accident involving a serious injury—or a total loss vehicle—could leave you with thousands of dollars of out-of-pocket costs.

Oklahoma’s uninsured driver statistics also make a strong case for carrying uninsured motorist coverage (UM). About 13% of motorists in the state don’t carry insurance, which means they don’t have a guaranteed means of paying for any damages they cause in an at-fault car accident.⁴

The bottom line: Liability insurance with 50/100/50 coverage limits (or 100/300/100) and UM coverage provide a sensible amount of financial protection in Oklahoma.

Expert Insight

A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Josh Damico

VP Insurance Operations, 18+ Years Experience in Insurance

Cheapest full coverage car insurance quotes in Oklahoma City

Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car. Full coverage includes comprehensive and collision coverage.

• Collision coverage covers the cost of fixing or replacing your car after an accident.
• Comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.

Depending on your dealership or bank, you may also have to carry collision, comprehensive, and gap insurance⁵. The minimum limits depend on the company; check your contract carefully for any details.

Average cost of car insurance in Oklahoma City

The average cost of car insurance in OKC is $75 per month ($905 per year) for minimum coverage and $163 per month ($1,956 per year) for full coverage. The state of Oklahoma averages an annual cost of $720 to $1,649. The national average, on the other hand, is a little higher at costs between $927 and $1,984 per year.

So why is car insurance so expensive in Oklahoma City? There are a few reasons, including:

• High numbers of uninsured motorists: Oklahoma is locked in a vicious cycle when it comes to uninsured drivers and insurance costs. The higher insurance rates go, the more drivers can’t afford coverage, but higher numbers of uninsured drivers also mean higher premiums. Over 13% of the drivers in Oklahoma are uninsured⁶.
• High winds: Oklahoma City is in the middle of “Tornado Alley,” a belt of high tornado activity running north-south in the middle of the country. The city experiences a high number of damaging storms, floods, fires, and tornadoes, as well as high winds that tear down debris.⁷
• Motor vehicle crash fatalities: The number of motor vehicle deaths per 100,000 residents in Oklahoma is 48% higher than the national average⁸. More risk always leads to higher insurance premiums.
• Motor vehicle theft rates: The number of motor vehicle thefts in Oklahoma has dropped since 2021, but it remains above the US average. The Oklahoma City Police Department reported nearly 3,000 stolen vehicles in 2022⁹.
• Traffic congestion: Oklahoma City is the 616th most congested city worldwide; drivers lose 14 hours to congestion each day¹⁰. Compared to a quieter place, like nearby Tulsa, you’re at a higher risk of getting into a fender bender or other collision if you drive in OKC.

Average cost of car insurance in Oklahoma City by ZIP code

Whether it’s due to higher car accident rates, vehicle theft rates, or incidences of crime and vandalism, some addresses incur higher insurance premiums than others. To illustrate the difference, Jerry has gathered the three cheapest and three most expensive ZIP codes in Oklahoma City in the table below:

Car insurance quotes in Oklahoma City by rating factors

Insurance companies in Oklahoma City use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets than if you maintain a clean driving record.
• Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
• The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
• Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
• How you use your car: Insurance companies charge more affordable rates if you only drive for leisure rather than frequently commuting.

Cheap car insurance quotes in Oklahoma City after driving violations

Your Oklahoma driving history impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance in Oklahoma City after speeding ticket

In Oklahoma, a speeding ticket could increase your car insurance rate by about 25%. The good news is that Jerry has helped drivers with varying speeding tickets save on car insurance.

Cheapest car insurance in Oklahoma City after DUI

In Oklahoma City, a DUI violation can increase your insurance rate by an average of 55%. You may need to compare several quotes to find the cheapest car insurance companies after a DUI.

Jerry has helped many Oklahoma City drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance in Oklahoma City after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history. Oklahoma City drivers with a recent at-fault car accident pay an average of $1,776 per year.

Oklahoma is an at-fault state. If you were involved in an at-fault accident in the recent past, your liability car insurance rates could skyrocket. Jerry has helped many Oklahoma City drivers save on car insurance after accidents.

Cheapest car insurance in Oklahoma City after other driving violations

In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase in Oklahoma City.

Here are the cheapest options Jerry found for other OKC drivers with various driving violations:

Cheap car insurance quotes in Oklahoma City by age

Young drivers pay very high insurance rates due to limited driving experience. Rates usually drop around the age of 25 before rising again around age 75¹¹.

Cheapest car insurance in Oklahoma City for young drivers

Teens aged 16-19 represent the age group with the highest chance of getting into a car accident. They’re more likely to speed, forget their seat belts, or drive under the influence due to inexperience¹². According to some data, new drivers under the age of 25 pay almost three times as much for insurance coverage as a 55-year-old motorist¹³.

For teens with a newer car, full coverage insurance is the way to go—it’ll fix any dings or dents even if they were caused by driver error. Staying on a parent’s policy is another way to keep teen car insurance rates low.

Cheapest car insurance in Oklahoma City for senior drivers

Car insurance rates start to rise once you get into your mid-70s. Car insurance rates for seniors tend to be higher due to several reasons—the main one being that old drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision. This leads to significant medical expenses and increased costs for insurance providers.

Cheap car insurance quotes in Oklahoma City based on insurance history

An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in your insurance coverage usually leads to an increase in car insurance rates¹⁴.

To help customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders for upcoming and overdue payments. By providing free quotes, we’ve helped many customers without insurance or with an insurance lapse save on a new auto insurance policy.

Cheap car insurance quotes in Oklahoma City for drivers with poor credit

About 66% of Americans aren’t aware their credit scores are used to set their insurance rates, which is bad news because drivers with poor credit scores are considered more likely to file claims.

For instance, drivers with good credit (710-740) pay 49% more for car insurance than drivers with excellent credit (823+). Drivers with bad credit (524-577) pay 44% more than the first group and 115% more than the second.

Unfortunately, Oklahoma hasn’t yet joined California, Hawaii, and Massachusetts in prohibiting car insurance companies from using credit scores to set rates¹⁵. Until it does, you can use Jerry to find savings in every credit ratings bracket.

Cheap car insurance quotes in Oklahoma City for popular cars

The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.

Popular car models in Oklahoma City include:

• Ford F-150
• Honda Accord
• Honda Civic
• Chevrolet Silverado
• GMC Sierra

Learn more: How to get car insurance before buying a car

How to lower car insurance costs in Oklahoma City

1. Shop around and compare quotes

Comparison shopping between at least three auto insurance providers is the best way to make sure you’ve got the most competitive rate. If you want to save even more money, going car insurance shopping at least once every six months lets you stay on top of the ever-changing insurance rates in OKC.

2. Hunt for car insurance discounts

Every insurance company offers a set of car insurance discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts: Safe driving leads to insurance discounts if you can keep any points or at-fault accidents off your driving record for at least three years.
• Bundling discounts: Homeowners could save up to 25% with the right home and auto insurance bundle!
• Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
• Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

3. Increase your deductible for comprehensive and collision coverage

If you have a full-coverage auto insurance policy and you don’t want to lose it, consider increasing your deductible instead. Committing to higher out-of-pocket costs after an accident could help lower your monthly premiums.

Just be sure to increase to a reasonable limit that you can afford.

Sources

1. https://www.oid.ok.gov/auto-insurance-common-myths/ ↩︎
2. https://okcfox.com/news/local/amanda-couch-uninsured-vehicle-enforcement-diversion-program-drivers-insurance-roadways-fines-courts-rekor-systems-rates-oklahoma ↩︎
3. https://injuryfacts.nsc.org/all-injuries/costs/guide-to-calculating-costs/data-details/ ↩︎
4. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists ↩︎
5. https://www.insurancebusinessmag.com/us/guides/insurance-for-leased-car-vs–owned-car-whats-the-difference-458114.aspx ↩︎
6. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists ↩︎
7. https://www.city-data.com/city/Oklahoma-City-Oklahoma.html ↩︎
8. https://www.city-data.com/city/Oklahoma-City-Oklahoma.html ↩︎
9. https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/crime-trend ↩︎
10. https://inrix.com/scorecard-city-2022/?city=Oklahoma%20City%20OK&index=616 ↩︎
11. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy ↩︎
12. https://www.iii.org/article/background-on-teen-drivers ↩︎
13. https://www.insurancebusinessmag.com/us/guides/a-guide-to-cheap-car-insurance-for-new-drivers-459484.aspx ↩︎
14. https://www.iii.org/article/what-if-i-cant-find-auto-coverage ↩︎
15. https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf ↩︎

MEET OUR EXPERTS

Jasmine Kanter

Jasmine Kanter is a non-fiction writer specializing in comprehensive content that\\\’s accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance. Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.

Maria Cruz

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.