Best Car Insurance in Oklahoma
Last Updated on April 6, 2021
Compared to other states, Oklahomans pay average rates for car insurance. However, rates vary widely across the state. Drivers in Oklahoma’s biggest cities pay significantly more for car insurance than drivers in Oklahoma’s smaller towns.
The average driver in Oklahoma pays roughly $1,475 per year for full coverage car insurance, which is close to the nationwide average. Oklahoma isn’t the cheapest state for car insurance, but it’s far from the most expensive state.
What’s the best car insurance in Oklahoma? Which company offers the best coverage and cheapest policies? Find out today as we list the best car insurance in Oklahoma.
Table of Contents:
- The 10 Best Auto Insurance Companies in Oklahoma
- Oklahoma Auto Insurance Requirements
- Driving Without Insurance in Oklahoma
- Car Insurance in Oklahoma with a DUI
- Car Insurance in Oklahoma with At-Fault Accidents
- Car Insurance in Oklahoma with Speeding Tickets
- Car Insurance in Oklahoma for Young Drivers
- Car Insurance in Oklahoma with Poor Credit
- SR-22 Insurance in Oklahoma
Top 10 Auto Insurance Companies in Oklahoma
Every car insurance company in Oklahoma claims to offer good customer service and claims satisfaction at a reasonable rate. Some companies consistently live up to these claims. Others do not. Below, we’ve listed the best car insurance companies in Oklahoma based on price, value, service, and other factors.
Available only to military personnel and their families, USAA is one of the best-value car insurance companies in Oklahoma and most other states. USAA offers competitive prices on car insurance while maintaining high standards for claims satisfaction and customer service. The average driver in Oklahoma pays around $1,010 per year for full coverage car insurance with USAA.
|Company Address||9800 Fredericksburg Road
San Antonio, TX 78288
As America’s second-largest insurance company, GEICO is frequently ranked near the top of lists like this. Although GEICO has mixed reviews for customer satisfaction, the company offers the amenities of a large insurance company with some of the cheapest prices in Oklahoma. The average driver in Oklahoma pays around $1,034 per year with GEICO.
|Company Address||5260 Western Avenue
Chevy Chase, MD 20815
3. Shelter Insurance
Shelter Insurance is a regional insurance provider available in Oklahoma and other nearby states. If Shelter is available in your area, then you can enjoy strong claims satisfaction and coverage at a reasonable rate. The Missouri-headquartered company’s pricing can be competitive with other providers, or it can be much more expensive. Our model driver profiles received an average quote of around $1,123 per year with Shelter, although rates varied widely across Oklahoma.
|Company Address||1817 W. Broadway
Columbia, MO 65218
4. Oklahoma Farm Bureau
Oklahoma Farm Bureau requires you to be a Farm Bureau member. Anyone can be a member, but Farm Bureau membership is particularly popular with farmers, ranchers, and other agricultural workers across Oklahoma. If you want a local approach to car insurance with competitive rates and the amenities of a larger insurer, then Oklahoma Farm Bureau may be the right choice for you. Expect to pay around $1,211 per year.
|Oklahoma Farm Bureau|
|Company Address||2501 N Stiles Ave
Oklahoma City, OK 73105
Farmers is one of America’s largest insurance companies, and they’re not just for ranchers and farmers in Oklahoma. The company insures thousands of drivers in big cities and small towns across Oklahoma. The average driver pays roughly $1,364 per year for full coverage car insurance with Farmers in Oklahoma, although rates vary widely depending on your credit score and ZIP code.
|Company Address||4680 Wilshire Blvd
Los Angeles, CA 90010
Progressive charges some of the cheapest prices in Oklahoma, with drivers paying as little as $532 per year for liability coverage. If you want full coverage car insurance, you will pay around $1,398 per year according to our model driver profiles. However, Progressive remains a competitively-priced option in every city and town in Oklahoma.
|Company Address||6300 Wilson Mills Road
Mayfield Village, OH 44143
Allstate insures thousands of drivers across Oklahoma, including drivers in big cities and small towns. Although its pricing is slightly higher than competing companies above, Allstate maintains good customer service and claims satisfaction, charging drivers around $1,323 per year for full coverage car insurance.
|Company Address||2775 Sanders Road
Northbrook, IL 60062
8. State Farm
As the largest property and casualty insurance company in America, State Farm offers an auto insurance experience similar to GEICO and other major providers. Expect competitive prices and a similar customer service experience to other large firms. The average Oklahoma driver pays around $1,335 per year.
|Company Address||1 State Farm Plaza
Bloomington, IL 61701
A subsidiary of Allstate, Esurance offers competitive prices on car insurance across Oklahoma. You get cheap rates from a company with low overhead expenses while enjoying the financial security and amenities of a larger organization like Allstate. Esurance charges as little as $1,009 per year for full coverage car insurance in Oklahoma, although average rates hover around $1,400.
|Company Address||650 Davis St
San Francisco, CA 94111
Nationwide charges drivers around $1,401 per year for full coverage car insurance, although many drivers are willing to pay slightly higher prices for significantly better claims satisfaction and customer service. Nationwide is popular in both urban and rural areas of the state.
|Company Address||One Nationwide Plaza
Columbus, OH 43215
Oklahoma Insurance Requirements
The Oklahoma Insurance Department (OID) requires drivers to carry minimum levels of liability insurance to legally drive in the state. Many drivers choose to exceed these minimum requirements for added protection.
Drivers must maintain the following minimum insurance requirements in Oklahoma:
- $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 accident
Insurers may express this plan as a 25/50/25 plan. Many insurance experts recommend carrying at least 100/300/100 coverage for basic protection against liability.
Many Oklahoma drivers also carry uninsured and underinsured motorist coverage for added protection. Nearly 1 in 7 drivers in Oklahoma drive without car insurance.
Oklahoma uses a traditional fault-based insurance system. After an accident, the insurance company of the at-fault driver pays for vehicle damage, medical bills, and other expenses resulting from the accident.
Driving Without Insurance in Oklahoma
If you are unable to prove you meet the minimum insurance limits listed above, then you will face serious penalties. Some drivers have their licensed revoked. Others pay thousands of dollars in fines.
You may be required to provide proof of financial responsibility to restore driving privileges after being caught without insurance in Oklahoma. However, unlike other states, Oklahoma does not have an SR-22 system.
Oklahoma assesses different penalties depending on how you were caught driving without insurance. If you were caught without insurance after an accident, then you’ll face more severe penalties than someone caught without insurance at a traffic stop:
Driving Without Insurance in an Accident: Fine of up to $250, maximum imprisonment of up to 30 days, suspension of license and registration for up to one year (or until you provide the SR-22 certificate), vehicle impoundment, $275 reinstatement fee, $125 administration fee, and a $175 modified driver’s license fee
Driving Without Insurance at a Traffic Stop: Fine of up to $250, maximum imprisonment of up to 30 days, immediate license plate confiscation, suspension of license and registration if you cannot provide proof of insurance within 10 days, $275 reinstatement fee, and a $125 administrative fee.
If caught driving without insurance at a traffic stop, then you may be able to provide proof of insurance within 10 days to avoid most penalties. If your insurance lapsed, for example, or if it recently expired, then you can renew your policy within 10 days to avoid jail time, license suspension, and other penalties.
Car Insurance in Oklahoma with DUI
Getting car insurance with a DUI conviction will always be more expensive. Insurance companies treat DUI convictions seriously, and getting a DUI in Oklahoma will cause car insurance to spike.
However, different insurers treat DUIs in different ways. Some insurers treat DUIs seriously, tripling your premiums as soon as you are convicted. Others raise premiums similar to how they would raise them after a single at-fault accident.
The best car insurance companies in Oklahoma for drivers with a DUI include:
- USAA: $1,652 per year
- GEICO: $1,790 per year
- Oklahoma Farm Bureau: $1,811 per year
- Allstate: $2,021 per year
- Nationwide: $2,322 per year
Car Insurance in Oklahoma with At-Fault Accidents
Your driving record plays the biggest role in insurance premiums. Drivers with a bad driving record and multiple at-fault accidents pay more for car insurance than drivers with a good driving record.
However, as with DUIs, at-fault accidents are treated differently by different insurers. The best car insurance companies for drivers with one or more at-fault accidents include:
- USAA: $1,453 per year
- GEICO: $1,691 per year
- State Farm: $1,710 per year
- Progressive: $1,897 per year
- Oklahoma Farm Bureau: $1,922 per year
Car Insurance in Oklahoma with Speeding Tickets
Your insurance rates will rise after getting one or more speeding tickets in Oklahoma. Some insurance companies raise premiums immediately after a single speeding ticket. Other insurance companies ignore a single minor speeding ticket if you have a clean record.
Drivers with one or more speeding tickets should request a quote from the following Oklahoma insurance companies:
- USAA: $1,162 per year
- GEICO: $1,272 per year
- State Farm: $1,274 per year
- Progressive: $1,282 per year
- Oklahoma Farm Bureau: $1,399 per year
Car Insurance in Oklahoma for Young Drivers
Even if you have the best car insurance in Oklahoma, you’ll pay more for car insurance as a young driver than you would as an older, more experienced driver.
Statistically, young drivers are the riskiest drivers to insure in Oklahoma. They cause more accidents than older drivers. They’re linked with more fatalities than other drivers. That’s why insurers charge higher rates.
Fortunately, some insurers use young drivers to balance out insurance pools.
Consider requesting a quote from any of the following insurance companies as a driver under 25 in Oklahoma:
- USAA: $2,183 per year
- GEICO: $2,201 per year
- State Farm: $2,383 per year
- Oklahoma Farm Bureau: $2,490 per year
- Allstate: $2,595 per year
Car Insurance in Oklahoma with Poor Credit
Insurers check your credit-based insurance score when assigning premiums. Drivers with bad credit scores pay more for car insurance than drivers with good credit scores. You’re statistically riskier to insure. Although it may seem unfair, drivers with low credit scores are more likely to miss payments, live in high-crime areas, and engage in high-risk driving behavior, among other factors that influence risk.
Fortunately, not all insurers calculate risk the same way.
Drivers with bad credit should request a quote from the following insurers in Oklahoma:
- Oklahoma Farm Bureau: $2,090 per year
- USAA: $2,112 per year
- State Farm: $2,133 per year
- Farmers: $2,301 per year
- Progressive: $2,665 per year
Generally, Oklahomans with average to good credit scores pay the same rates for car insurance. Credit score only significantly impacts car insurance if you have a very bad credit score.
SR-22 Insurance in Oklahoma
An SR-22 is a certificate verifying you have valid car insurance. Many states require you to carry an SR-22 certificate after causing an accident, engaging in high-risk driving behavior, or being caught without insurance.
However, Oklahoma is one of only six states with no SR-22 insurance requirements. You do not need to file an SR-22 form after your license has been suspended or revoked.
Oklahoma may require some drivers to provide proof of financial responsibility. If you were caught driving without insurance, for example, then you may need to submit proof of financial responsibility to the state of Oklahoma to restore your driving privileges. However, this is different from an SR-22 certificate.
Conclusion: How to Find the Best Auto Insurance in Oklahoma
Drivers in Oklahoma pay different rates for car insurance based on their age, driving experience, history, and credit score, among other factors. Some insurance companies are the best choice for young drivers, while others are the better choice for drivers with multiple accidents.
To find the best car insurance company in Oklahoma for your unique needs, compare quotes online today.