Oklahoma Car Insurance Rates
Average insurance rates in Oklahoma for 2018 are $1,624 every 12 months including full coverage. Comprehensive, collision insurance, and liability coverage cost an estimated $362, $660, and $420, respectively. Tulsa, Del City, and Bixby have more expensive rates, and the two companies who insure the most vehicles in Oklahoma are State Farm and Farmers Insurance.
Average rate for full coverage: $1,624
Premium estimates broken down by type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Car Insurance in Oklahoma
For the average 40-year-old driver, prices range from the low end price of $498 for your basic liability-only policy to the much higher price of $3,506 for coverage for higher-risk drivers.
These differences highlight why everyone should compare rates quotes for a targeted area, rather than using rates averaged for all U.S. states.
Use the form below to get accurate rates for your location.
Enter your Oklahoma zip code below to view companies that have cheap auto insurance rates.
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Recommended Companies for Cheap Oklahoma Insurance
The chart above shows average Oklahoma auto insurance rates for various risks and coverage choices. The cheapest rate with discounts is $932. Drivers choosing higher $1,000 deductibles will pay $1,390. The average rate for a driver around age 40 using $500 deductibles is $1,624. Selecting more expensive $100 deductibles for collision and other-than-collision coverage will cost more, up to $2,072. If you have multiple accidents and violations you could be charged as much as $3,506. The rate for full coverage insurance for a teenage driver can climb as high as $5,974.
Insurance rates in Oklahoma can also vary considerably based on your vehicle choice, your driving record and age, and liability limits and deductibles.
The make and model of vehicle you drive is a primary factor in determining the cost of auto insurance in Oklahoma. Choosing to drive a lower-cost and safer model will be cheaper to insure primarily due to lower cost for replacement parts and lower severity of accident injuries.
This table shows auto insurance estimates for the top vehicles that are insured in Oklahoma.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Where you live in Oklahoma also has a big influence on auto insurance rates. Areas with less crime and congestion could see prices as low as $1,200 a year, while some neighborhoods in Tulsa and Del City may have prices as high as $2,000. Even areas with close proximity in the same city can have large rate differences.
These wide price ranges demonstrate the significance of getting rates based on where you live in Oklahoma.
If you like to drive fast or you caused an accident, you are likely paying $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 every 12 months on average for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $5,900 a year. View Rates by Age
Your choice of car insurance company influences the cost of coverage. In each state, every insurer sets their own rates, and prices have large differences depending on individual risk factors.
In Oklahoma, auto insurance prices range from $1,173 with USAA to as much as $5,107 with Safeco. Other companies like Oklahoma Farmers Union, The Hartford, and GEICO are neither the lowest or highest. That is probably not the prices you would have to pay, as your Oklahoma zip code, your motor vehicle report, and the type of vehicle you drive all factor in.
|Rank||Company||Market Share||Average Rate|
|8||Oklahoma Farm Bureau||4.48%||$2,038|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Opting for high physical damage deductibles can reduce prices by up to $690 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $378 more per year. View Rates by Deductible or Liability Limit
With so much variability in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.
Oklahoma Auto Insurance Articles
- How Much are Car Insurance Quotes in Oklahoma?
- Best Cheap Car Insurance Quotes for Drivers with Accidents in Oklahoma
- Who Has the Cheapest Insurance Quotes for a Ford Explorer in Oklahoma?
- Who Has Cheap Auto Insurance Quotes for Good Drivers in Oklahoma?
- Best Cheap Car Insurance for High Risk Drivers in Oklahoma
- Who Has Cheap Insurance for a Chevrolet Silverado in Oklahoma?
- Best Cheap Insurance Quotes for a Chevrolet Equinox in Oklahoma
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$122|
|5-yr Claim Free||$105|
|Paid in Full/EFT||$76|
Discounts are estimated and may not be available from every company or in every state.