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Finding Cheap Auto Insurance in Oklahoma
Oklahoma drivers who don’t want to pay too much for auto insurance would be wise to shop around. Even if you are a good driver, you could potentially save several hundred dollars a year by getting quotes and comparing insurers. We’ve evaluated 11 Oklahoma auto insurance companies to get you started.
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Cheap auto insurance in Oklahoma for good drivers
If you have a good driving record, check out Geico auto insurance quotes. If you are in the military or if you are a veteran, USAA auto insurance offers competitive prices. USAA is only open to those with a military affiliation.
Cheap car insurance in Oklahoma for speeding drivers
A speeding ticket in Oklahoma is likely to increase your auto insurance rates. If you have a speeding ticket on your record, check out Geico and State Farm auto insurance quotes. USAA is generally a solid option for the military and veterans.
Cheap Oklahoma Auto Insurance For Drivers With Injury Crash
Drivers in Oklahoma who cause a car crash causing injury to others could see their rates increase by about $ 1,000 per year on average. If you have an accident, it’s worth looking for better prices if your rates are skyrocketing. Get quotes from State Farm and Geico. USAA is probably a good choice for the military and veterans.
Cheap Oklahoma Auto Insurance For Drivers With A DUI
A DUI conviction in Oklahoma is going to have a big impact on your auto insurance rates. State Farm and Geico offered the lowest rates for drivers with DUIs among the insurers in our analysis.
Cheap Oklahoma Auto Insurance For Drivers With Low Credit
It may not seem fair, but having bad credit in Oklahoma can mean you’ll pay on average $ 1,200 more per year compared to similar drivers with good credit. Check quotes from Geico and USAA (if you are eligible for USAA insurance through military affiliation).
Cheap Oklahoma Auto Insurance For Drivers Taken Without Insurance
Some Oklahoma insurers view auto insurance failure as a high risk, which can lead to higher auto insurance bills. If you purchase auto insurance after a break in coverage, get quotes from Geico, State Farm, and American Farmers & Ranchers. USAA is a solid option for the military and veterans.
Cheapest Vehicles for Insurance in Oklahoma
In Oklahoma, the Jeep Wrangler JL Sport, Honda CR-V LX, and Hyundai Tucson SE are among the cheapest cars for insurance, based on the average prices of the top 50 selling 2021 models. The 20 cheapest are below.
The most expensive vehicles for insurance in Oklahoma among popular cars are the Tesla Model S Performance ($ 3,701 per year) and the Lexus ES 300H ($ 2,477 per year).
Related: The most expensive and cheapest cars to insure nationwide
Minimum auto insurance required in Oklahoma
Car owners in Oklahoma must purchase auto liability insurance. This is a basic type of coverage that covers injuries and damage you cause to others. Auto liability insurance also pays for legal defense if someone sues you after a car accident.
In Oklahoma, you must purchase auto liability insurance with coverage limits of at least:
- $ 25,000 for bodily injury to a person
- $ 50,000 for bodily injuries to more than one person in a single accident
- $ 25,000 for property damage in an accident
This is known as 25/50/25.
Oklahoma’s minimum liability requirements are probably insufficient for you. If you cause an accident with multiple injuries and property damage, the resulting bills could easily exceed the minimum limits and you could be sued for the rest. If you want to protect your finances, it’s a good idea to purchase higher policy limits.
What else should I have?
Coverage for uninsured / underinsured motorists. Auto insurance companies are required to provide you with these types of coverage in Oklahoma, and you can reject them in writing. But generally these are good blankets to have.
Uninsured Motorist (UM) coverage covers your medical expenses when someone without liability insurance hits you. If a driver at fault has third party liability insurance but it isn’t enough to cover your injury bills, Underinsured Motorists (UIM) coverage kicks in and pays you.
Medical payments (MedPay). This type of coverage covers medical costs for you and your passengers if you are injured in a car accident, regardless of who caused the accident. MedPay also covers you (and the loved ones who live with you) if you are struck as a pedestrian by a car.
Collision and full coverage. If you want to cover your vehicle against issues like car accidents, auto theft, collisions with animals, falling objects, hail, floods, fires, riots and vandalism, you will want both collision coverage and comprehensive coverage.
If you have an auto loan or lease, your lender or leasing company will likely require you to purchase these types of insurance.
Summary: Auto Insurance Required in Oklahoma
Can I show my insurance ID card from my phone?
Oklahoma allows you to use a cell phone to show an auto insurance ID card. If you are arrested, you don’t have to hope that your ID card is somewhere with you. Many auto insurers have mobile apps that include access to insurance credentials.
Factors Allowed In Oklahoma Auto Insurance Rates
In addition to your driving record, previous claims, and vehicle model, Oklahoma auto insurance companies can use these factors to set customer rates.
How many uninsured drivers are there in Oklahoma?
About 13% of Oklahoma drivers don’t have auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance to cover the issues they cause, including MedPay, Uninsured / Underinsured Motorist Coverage, and Collision Damage Insurance.
Penalties for driving without automobile insurance
If you’re caught driving without auto insurance in Oklahoma, you could be fined up to $ 250 and / or up to 30 days in jail, on top of having your license suspended.
When can a vehicle be totaled?
If your car is seriously damaged, Oklahoma auto insurance companies can declare your car as total loss when the damage exceeds 80% of the vehicle’s market value.
Solve Insurance Problems in Oklahoma
The Oklahoma Department of Insurance is responsible for monitoring auto insurance companies, approving rates, and handling complaints. If you have an unresolved issue with an auto insurance company, you can file a complaint.
To find the cheapest auto insurance companies in Oklahoma, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.
The companies evaluated for Oklahoma were Allstate, Farmers, Geico, Home State Insurance, Mercury, Oklahoma Farm Bureau, Oklahoma Farmers Union, Progressive, Shelter, State Farm, and USAA.
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