Car Insurance in Oklahoma

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Looking for Cheap Car Insurance in Oklahoma?

Not sure where to start when it comes to car insurance in Oklahoma? In general, car insurance premiums in Oklahoma tend to fall around the national average. It's best to do research on the local state laws and regulations when shopping around for a new car insurance policy.

The Sooner State has a lot to offer. From the USA's largest public art installation in Oklahoma City to the crystal clear lakes across the state, it makes for a great place to live and drive. You definitely don't want to pay more for your insurance than you have to, though. Different providers take different factors into account when calculating your rates. Many factors are taken into account as an insurance company calculates your rate.

On top of it all, switching car insurance can be a major pain. With all the paperwork, bureaucracy, and shopping around, you want to pull your hair out. At Carlay, we thought: "What if getting car insurance didn't have to be so difficult and annoying?" So that's what we're doing; making it easy.

Carlay makes it easy to find the lowest car insurance premiums in your neighborhood. Just answer a few quick questions and we'll present you with a list of competitive quotes from top providers in your area. And because we're here to help, Carlay will handle everything else—from switching plans to canceling old policies—so you don't have to lift a finger!

But don't take our word for it. See for yourself!

How Much Does Car Insurance Cost in Oklahoma?

The average basic liability car insurance policy in Oklahoma costs $1,641 dollars a year. Buying full-coverage car insurance will cost you about $1,843 a year on average.

For comparison, the national average for basic liability coverage is $1,783 per year and for full-coverage insurance, it is $2,485 per year.

What contributes to the insurance rates in Oklahoma?

When determining your car insurance rates, the provider takes into account a number of factors that are unique to you.

  • A mix of urban and rural drivers

Oklahoma has an almost-equal mix of urban and rural drivers. The good news is, you're covered no matter which roads you like to drive on. Most Oklahoma drivers walk away from a minor accident with only damage to their car.

  • Severe weather

Oklahoma, with its severe weather, is definitely a "car insurance state." Hailstorms, ice and snow in winter, heat waves, and road debris are just some of the reasons why you should be sure to carry not only liability car insurance -- which Oklahoma requires -- but also collision and comprehensive insurance.

  • Uninsured drivers

If you want to live in Oklahoma, you need everyone else on the road to be insured. In a state that requires auto insurers to sell to all comers regardless of their driving records, nearly one person in eight is driving without insurance.

Let's look at how Carlay can help you save money on insurance in Oklahoma:

All Coverage Before Carlay All Coverage After Carlay Minimum Coverage Before Carlay Minimum Coverage After Carlay Full Coverage Before Carlay Full Coverage After Carlay
OK $1,813 $1,188 $1,689 $957 $2,110 $1,560
National Average $2,489 $1,671 $2,360 $1,390 $2,761 $1,963
OK National Average
All Coverage Before Carlay $1,813 $2,489
All Coverage After Carlay $1,188 $1,671
Minimum Coverage Before Carlay $1,689 $2,360
Minimum Coverage After Carlay $957 $1,390
Full Coverage Before Carlay $2,110 $2,761
Full Coverage After Carlay $1,560 $1,963

Top auto insurance providers in Oklahoma

There are many options for Oklahoma residents who need car insurance. Companies like State Farm, Progressive, and Allstate offer coverage.

There are lots of options when it comes to car insurance, from where you buy to the coverage you purchase. Car insurance providers all have their own algorithms for deciding how much you pay, so prices can vary a lot even if you have the same exact coverage. Factors that affect how much your insurer will charge you include how old you are, your driving record, where you live, and the type of vehicle(s) that you drive. Insuring a BMW 5-series, for example, will almost always cost you more than insuring a Nissan Sentra because BMWs are usually more expensive to insure.

Carlay customers have found affordable insurance with popular insurers in Oklahoma. The following discounts can be yours:

What Car Insurance Do You Need in Oklahoma?

The residents of Oklahoma must carry the following minimum amounts of car insurance to drive legally:

Coverage Amount Description
Bodily injury liability $25,000 per person / $50,000 per accident Covers the costs associated with injuries you cause to others
Property damage liability $25,000 per accident Covers the costs associated with damage you cause to other people's vehicles or property

Getting caught driving without insurance can be a big hassle. You'll have to pay a hefty fine, and your car registration could be taken from you:

  • Fines as determined by a court of law
  • Suspension of license + reinstatement fee of up to $600
  • Confiscation of vehicle and license plates
  • FR coverage requirement for 3 to 5 years
  • Financial liability in the event of an accident

A standard policy will protect you in some situations, but you might want to look into the following options to ensure that you are adequately covered:

Coverage Description
Collision insurance Covers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insurance Covers damages that aren't the result of a collision, such as vandalism, theft, or a natural disaster
Uninsured motorist coverage Reimburses you for your expenses from an accident caused by an uninsured driver
Personal injury protection Covers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursement Reimburses you for your rental car expenses while your car is being repaired after a claimable accident

Count on Carlay to help you find a policy that meets your needs. What makes Carlay so special is our ability to provide great service. Compare personal insurance quotes from top companies (like AAA and Safeco) with just a few clicks, pick the policy that's best for you, and let Carlay handle the paperwork.

Now that you're familiar with the different types of insurance, let's discuss what impacts the cost.

How is Your Cost of Car Insurance Determined in Oklahoma?

The price of your insurance policy is based on a variety of factors, including your age, driving record, geographic location, and the type of vehicle you drive.

  • Cost to insure your car in Oklahoma by age

Young drivers tend to pay more for car insurance because, statistically, they get into more accidents than older drivers. Expensive car repairs and costly medical expenses make those premiums higher.

What young drivers in Oklahoma need to know

  • Oklahoma has graduated licensing laws for its young drivers. This system allows new drivers to work their way up from a learner's permit to an official license by acquiring various skills and experience.
  • Taking an approved defensive driving course can help new and younger drivers gain lower rates on their auto insurance.
  • Student drivers who maintain a B average or above might qualify for a good student discount on their auto insurance.

If your parents have an auto insurance policy, you may not be able to get the same low premiums that they do. But by shopping around and maintaining clean driving record, you can still get rates that are lower than those of other young drivers.

No matter your age, comparison shopping with Carlay can save you money:

Age Group Average Cost Annual Savings with Carlay
18-20 $2,639 $1,027
21-24 $2,547 $1,007
25-34 $2,200 $819
35-44 $2,343 $819
45-54 $1,885 $677
55-64 $2,512 $1,089
65+ $2,360 $1,365
  • Cost to insure your car in Oklahoma with a poor driving record

Assuming you haven't been unlucky enough to get into an accident or cause one, the way you've driven in the past will also be taken into account when your Oklahoma car insurance is being calculated. As a general rule, drivers who have managed not to rack up speeding tickets or other serious charges (like DUI) are going to enjoy lower rates than drivers who have.

Carlay, a new comparison-shopping app for finding car insurance deals, can find you a good rate even if you have a few driving violations on your record.

Here's what savings are available to Carlay customers with poor driving records:

Driving Violation Average Cost Annual Savings with Carlay
Clean Record $2,137 $719
Improper Passing $3,326 $1,967
Illegal Turn $3,549 $1,566
Wrong Way/Wrong Lane $3,030 $1,477
Careless Driving $3,778 $1,272
Speeding over 15 $2,831 $948
Failure to Obey Traffic Sign $2,896 $920
Speeding under 15 $2,630 $899
Defective Equipment $1,632 $846
DUI $2,287 $734
  • Cost to insure your car in Oklahoma based on where you live

With a population of 11.7 million, Oklahoma is one of the top 10 most populous states in the United States. The state has six cities with populations greater than 100,000 and many people living in rural areas. This leads to varying rates of insurance among different regions.

Since urban areas have higher rates of accidents, thefts, and claims than rural areas, drivers in urban cities typically pay more for car insurance. Compared to the national average, Oklahomans pay lower car insurance rates. This is probably because Oklahoma drivers are generally cautious, and there are not very many incidents or claims.

Here are the 10 cities in Oklahoma where drivers can find cheaper car insurance:

City Average Cost Annual Savings with Carlay
Akron $2,393 $898
Canton $2,527 $1,018
Cincinnati $2,553 $866
Cleveland $2,256 $773
Columbus $2,362 $870
Dayton $2,379 $933
Fairborn $2,095 $868
Loveland $2,752 $1,115
Toledo $1,968 $709
Youngstown $2,319 $1,087
  • Cost to insure your car in Oklahoma based on the type of car you drive

Insurance companies will consider the type of car you drive when setting your premium. Though not a hard-and-fast rule, insurance companies usually give lower rates to people who have relatively inexpensive cars because they cost less to repair or replace if you are in an accident.

When you need to find insurance for your car, you might have an easier time if it's a common model, like a Jeep Cherokee or Mercury Milan. If you need to insure something more expensive, like aBMW 3-series or Audi Q5, you might find higher-than-average rates.

And here's how much Carlay costs for some of the most popular car makes and models:

How to Save Money On Car Insurance in Oklahoma?

Here are some great tips on how to save money on insurance rates. Make sure you implement these so that you can have more money in your pocket at the end of the day.

  • Shop around for quotes

Comparison shopping is the no-hassle way to find a good deal on your car insurance—but it's not without its headaches. Between online forms and follow-up sales calls, the savings don't always feel worth it.

Whether you're looking for a new auto insurance policy or need to renew your policy, it's always great to have options. And now, with Carlay, you can get those options in just minutes. Answering a few questions will yield competitive quotes from leading auto insurance companies – giving you the power to choose what works best for you.

  • Look for discounts

When it comes to purchasing car insurance, you will find several different options available to you as a customer. While some of these come at an additional cost, others can save you money. This includes clear and easy-to-understand advice on many insurance discounts that are available to you.

Drivers in Oklahoma are likely to enjoy these discounts:

Discount type Who is eligible?
Bundling your policies If you insure multiple vehicles or multiple products with the same insurance company, you're likely eligible for a bundling discount of up to about 12%.
Go paperless By switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance.
Good student discount Young drivers in Oklahoma are eligible for a good student discount if they're 16–24 years old and meet **one** of the following criteria: Rank in the top 20% of their class or maintain a B average; maintain a position on the Dean's Honor Roll; or rank in the top 20% of a PSAT, PACT, SAT–1, or ACT administered in the last 12 months.
Vehicle safety discount If your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider.
Membership discount If you're part of an educational, alumni, professional, or other member organization, you might be eligible for a group discount on your car insurance.
  • Increase your deductible

Your deductible is like the amount of money you keep in your couch cushion for when bad things happen. It's the amount you pay out of pocket for a claim before your insurance company pays for the rest. Only increase it if you can afford to pay the deductible each time something goes wrong.

Registering Your Car in Oklahoma

To register your car in Oklahoma, bring these to the DMV:

  • Valid driver's license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Vehicle inspection certificate (annually)
  • Vehicle emissions certificate (every other year)

Oklahoma drivers must renew their vehicle registrations annually.