Cheapest Car Insurance Rates in 2023

Best Car Insurance Companies in Oklahoma

• State Farm
• Shelter
• Progressive
• Farm Insurance
• USAA
• Oklahoma Farm Bureau

Auto Insurance Statistics in Oklahoma

Auto insurance rates in Oklahoma have been much lower than the national average for the past few years. Drivers in the state of Oklahoma can benefit from learning how auto insurance rates in the state of Oklahoma compare to other states when it comes to taking out car insurance policies.

Top 10 Cheapest Car Insurance Companies in Oklahoma

Drunk Driving Fatalities

Drinking and driving can and often does end in death. In Oklahoma, the rate of drunk driving has fluctuated over the years. To prevent deaths from drinking and driving, it is best to abstain from this dangerous practice altogether. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Oklahoma vs. nationwide.

Drunk driving fatalities in Oklahoma from 2013 to 2017

Teen Drinking and Driving

Teen drinking and driving in Oklahoma has remained under the national average. However, the practice of drinking and operating a motor vehicle still continues. This data shows that fewer teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country. The below statistics compare the percentage of Oklahoma drivers that are teenagers who are drinking and driving related to national averages.

Teen Drinking & Driving in Oklahoma vs. Nationwide (2017)

SR-22 Insurance in Oklahoma

Are you located in Oklahoma? If so, you won't have to worry about getting an SR-22 before you can begin driving again. While the vast majority of states require dangerous drivers to supply evidence of an SR-22 before they can begin driving again, Oklahoma is one of the few states that doesn't have this requirement.

Fortunately, this makes the process of getting back behind the wheel much easier. Still, you will need to ensure that you have the right insurance policies to begin driving again. It's always a good idea to double check the most current regulations in your state.

Car Theft in Oklahoma

Car theft in Oklahoma is consistently higher than the national average over the years.  By finding out about the rate of car theft in the state, drivers will have a more comprehensive understanding of the level of risk they take while driving and owning a car in the state.

 Vehicle thefts by rank nationwide vs. Oklahoma

Uninsured Motorists in Oklahoma

When a driver operates a motor vehicle without any insurance coverage, this can result in an expensive bill to pay out of pocket. If you are in an accident with an uninsured driver, it is better to have uninsured and underinsured motorist coverage instead of not having any protection for this situation. The below data shows how well Oklahoma ranks in the total number of reported uninsured motorists in the state in the year 2015.

Percentage of uninsured drivers (Top States in 2015)

Strive for Good Credit

The easiest way to achieve a low rate for your insurance policy is to have good credit. This is indicative of what kind of person you are, and that’s how insurance companies determine how much to charge you. None can deny you insurance because of your credit, but they do have the right to change their idea of how much to charge when they see what score you’re working with. The more responsible you look with a good credit score, the lower your premium will end up being when you finalize your policy. Low credit typically means a person is not as financially responsible, and those are the people who don’t get the best rates.

Change How You Pay

One of the easiest ways to receive a great rate on your insurance is simply to change the way you pay. If you want to save a few hundred dollars every year, you can do several things. The first is to pay your entire premium in advance. Doing this allows you to forgo monthly fees insurance companies and banks charge you to take the payment from your account. It’s usually some sort of convenience fee or online payment fee for using a card. It might seem small at only $5 per month or so, but that’s $60 per year that’s going to the insurance company rather than staying in your account.

This also helps because you can stop receiving monthly statements. Monthly statements cost a lot to mail, and you can get a nice discount when you opt not to have them mailed to you. You can opt out of them yourself, too. Just let your insurance company know you’d like to do this, and they’ll make it happen. Most insurance companies offer a discount of approximately 5% when their policy holders opt to pay in advance. You could save hundreds doing this.

Your Career and Job

Did you know your insurance company considers where you live and what you do a factor in determining how much you pay for insurance? Your job is one that keeps you safe or it doesn’t. If you work a job that keeps you off the road most of the time, such as flying planes, you’re going to be less expensive to insure. If you work far from home and spend hours in the car commuting every day, you’ll pay more for your insurance than other people with the same car and policy.

What You Drive

If you have a newer car with ample safety features, you’ll get a break on your insurance. This is a simple concept, and it’s one you can live with. Older cars are often more expensive to repair, which is why they’re more expensive to insure. If you have a car with any safety features, alarms, and even devices that make driving safer, you could qualify for a few discounts with your insurance company. It’s easy to ask.

It’s not always impossible to pay less for insurance even when you feel you’re already paying as little as possible. There are ways, and you simply need to employ them to get the best rates. If you can, it’s great. If you’re one of the few Oklahoma residents who can’t lower your rates, you’re already paying less than most people in the country as it is.

Types of Auto Insurance Coverage in Oklahoma:

• Comprehensive Insurance Coverage
• Bodily Injury Liability Insurance
• Uninsured/Underinsured Motorist Bodily Injury Insurance
• Uninsured Motorist Property Damage Insurance
• Property Damage Liability Insurance

Minimum Auto Insurance in Oklahoma

There are minimum requirements for auto insurance in the state of Oklahoma. Every registered driver in the state of Oklahoma must be covered by a minimum of liability coverage.

Liability Coverage minimums:

$25,000 for accidents causing property damage

$25,000 for an individual in an accident

$50,000 for an accident involving multiple individuals

Source: Oklahoma Department of Insurance

Cheap Auto Insurance Discounts

At CheapAutoInsurance.co, you can save even more on your auto insurance rates by applying the right discounts. We have put together a list of the best auto insurance discounts in the state of Oklahoma and nationwide. Browse the list below to find some of the auto insurance discounts listed that can help you to save on the cost of car insurance in Oklahoma each year.

• Anti-theft discount
• Mature driver discount
• Military or Veteran discount
• Bundling insurance policies discount
• Senior citizen discount
• Car safety features discount
• Good student discount
• Defensive driving discount
• Low-mileage discount
• Multi-car auto insurance discount
• Infrequent usage discount

FAQ

General Car Insurance Questions in Oklahoma

Car insurance is an integral part of car ownership. In almost all the states, car insurance is a requirement for registration and driving a car. The car insurance requirements vary between states. In all the states, the car insurance rates differ between car make and model, primary driver, coverage amount and the insurer. For Oklahoma drivers, the following are some of the frequently asked questions about car insurance.

Costs and Requirements in Insuring a Vehicle

Car insurance costs in Oklahoma depends on the location, car make and model, the primary driver and the insurance company. The following are some of the most asked questions about Oklahoma car insurance rates.

Damages and Benefits

Aside from the coverage and liability car insurance benefits are important considerations when getting insurance. The following are questions people ask about insurance benefits.