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Best Cheap Car Insurance for High Risk Drivers in Oklahoma

Enter your Oklahoma zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 15, 2019

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When shopping for cheaper auto insurance for high risk drivers, one of the many criteria that auto insurance companies use when figuring insurance cost is where your car is garaged. Areas with high crime rates or more dense population like Tulsa, Sand Springs, and Del City tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.

The next table rates the most costly cities in Oklahoma for high risk drivers to buy car insurance in.

Oklahoma cities ranked by car insurance cost
Rank City Premium Per Year
1 Tulsa $2,282
2 Bixby $2,235
3 Sand Springs $2,227
4 Bethany $2,223
5 Del City $2,221
6 Broken Arrow $2,195
7 Oklahoma City $2,178
8 Owasso $2,127
9 Midwest City $2,119
10 Sapulpa $2,102
11 Moore $2,090
12 Yukon $2,076
13 Claremore $2,069
14 Edmond $2,063
15 Norman $2,013
16 Stillwater $1,989
17 Bartlesville $1,981
18 Shawnee $1,968
19 Ardmore $1,936
20 Ponca City $1,918
21 Muskogee $1,905
22 Enid $1,885
23 Duncan $1,885
24 Lawton $1,884
25 Altus $1,876
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Rates are comparative as the garaging address in Oklahoma can modify price quotes greatly.

Finding dependable, reasonably-priced auto insurance is not the easiest thing to do, and deciding which insurers offer the cheapest auto insurance rates for high risk drivers requires even more rate comparisons. Insurance premiums will more than likely be quite a bit pricier than the state average attributed to the posibility of more claims that goes along with offering coverage for high risk drivers, but affordable coverage should be possible if you look hard enough. Each insurance company uses their own calculation for setting prices, so first we will examine the most affordable auto insurance companies in Oklahoma.

Keep in mind that Oklahoma auto insurance rates are influenced by many factors that control the price you have to pay for coverage. Price variation is why consumers need to do a thorough rate comparison when trying to get the cheapest auto insurance rates for high risk drivers. Insurance rates are made up of many factors and change frequently, so the lowest-price company the last time you shopped around may now be one of the more expensive options.

Enter your zip code below to view companies that have cheap auto insurance rates.

Who has the cheapest car insurance in Oklahoma?
Rank Company Cost Per Year
1 USAA $1,185
2 Oklahoma Farmers Union $1,190
3 The Hartford $1,359
4 GEICO $1,381
5 Safe Auto $1,419
6 Farmers $1,422
7 State Farm $1,521
8 Liberty Mutual $1,816
9 Travelers $1,868
10 Mercury $1,993
11 OK Farm Bureau $1,997
12 MetLife $2,169
13 Progressive $2,179
14 Home State $2,193
15 Shelter $2,194
16 Allstate $2,376
17 Safeco $5,158
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USAA offers some of the cheapest car insurance rates in Oklahoma at around $1,185 per year. Oklahoma Farmers Union, The Hartford, GEICO, and Safe Auto also make the cut as some of the most economical Oklahoma insurance companies.

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In this example, if you are a customer of Safe Auto and switched to Oklahoma Farmers Union, you may see an annual savings of approximately $229. Oklahoma drivers with Farmers might save as much as $232 a year, and State Farm policyholders might cut rates by $331 a year.

If you would like to find the best cheap car insurance for high risk drivers in Oklahoma, click here to start your custom quote or visit any of the low-priced companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

These policy prices are averaged across all ages of drivers and types of vehicles and do not factor in a rate increase for high risk drivers. So the company that is most affordable for your situation may not even be in the above rate chart. That points out the importance of why you need to compare rates from multiple companies using your own individual information.

Oklahoma auto insurance companies ranked

Choosing the right auto insurance provider can be rather challenging considering how many choices drivers have in Oklahoma. The information in the next section may help you analyze which auto insurers to look at purchasing from. These ratings include companies that write coverage in many states, so companies without a large exposure are not included in this list.

Top Ten Auto Insurance Companies in Oklahoma
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

The chart below demonstrates how deductible levels can affect insurance costs when searching for cheap insurance for high risk drivers. The premiums assume a single female driver, full coverage, and no discounts are factored in.

In the chart above, a 30-year-old driver could reduce rates by $406 a year by changing from a $100 deductible to a $500 deductible, or save $616 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, could shave $902 every year by selecting a higher deductible.

If you make the decision to raise deductibles, it is essential to have enough spare savings to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Who has the cheapest Oklahoma car insurance?

Oklahoma auto insurance rates are based on many factors that can increase the policy premium. Getting older, adding a teenager to your policy, or getting a DUI can cause premium changes that may make certain companies cheaper than competitors.

In addition, insurers modify pricing as often as every three months in order to be able to pay unexpected claims. Higher than usual claims may cause more expensive prices, while lower claims may cause lower-cost Oklahoma car insurance rates.

For example, the bar chart below shows which companies have the cheapest car insurance in Oklahoma for a 45-year-old female driver with a clean driving record, no accidents, and a good credit rating. When quoting prices based on her personal profile, Oklahoma Farmers Union offers the best car insurance rates in Oklahoma at $1,166 annually. This is $801 less than the average rate paid by Oklahoma drivers of $1,967. USAA, GEICO, The Hartford, and Safe Auto are the remaining cheapest Oklahoma auto insurance companies.

The example below compares rates after we give the driver from the first example an accident claim, a lower credit score, and a traffic ticket or two. Since each company has a different formula to set premium rates, analyzing rate quotes may result in a new list of the cheapest car insurance companies in Oklahoma as shown below.

State Farm now has the best insurance rate in Oklahoma with USAA, Liberty Mutual, Travelers, and The Hartford completing the list. This example illustrates why it is critical to perform an extensive rate comparison to find the most affordable auto insurance quotes for high risk drivers. Car insurance prices are calculated by many factors and can change substantially, so the cheapest rate when you last compared rates may now not even be in the top five.

Use our FREE quote tool to compare insurance rates now!

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