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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Updated Nov 03, 2022 Find cheaper car insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Get my free quotes Select from a variety of trusted carriers + MORE How it works Caret Down Get matched with personalized offers Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate. Choose the best policy for you Compare your options from carriers who want to work with you, and select as many offers as you'd like. Finalize your rate and policy details Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That's it! On This Page
Compare rates and save on auto insurance today! Get quotes Close X One way to get in Oklahoma is to pick the right auto insurance company. In Oklahoma, a minimum coverage policy costs $408 per year, and full coverage car insurance costs $1,902 a year on average. For minimum coverage, Geico has the cheapest average annual rate in Oklahoma, at $240. Geico also has the lowest full coverage annual average rate, at $970. Where you live in Oklahoma matters to your overall insurance costs, so check out which cities are the cheapest and how to get the cheapest car insurance in Oklahoma. The cheapest car insurance companies in Oklahoma
To help you find the cheapest car insurance in Oklahoma, Bankrate utilized data from Quadrant Information Services and third-party sources to identify the cheapest carriers with excellent financial strength and high customer satisfaction ratings, as well as below-average rates. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. The cheapest companies for minimum coverage in Oklahoma
Drivers in Oklahoma must carry a certain amount of car insurance. Minimum coverage policies are usually the cheapest option, but they also provide the least coverage. If you are interested in a minimum coverage car insurance policy, these five carriers offer cheap rates in Oklahoma: Car insurance company Average annual minimum coverage premium Average monthly minimum coverage premium $240 $20 $263 $22 $271 $23 American Farmers & Ranchers Mutual $278 $23 $298 $25 The cheapest companies for full coverage in Oklahoma
Full coverage auto insurance policies offer more protection, but as a result, the premiums are more expensive. In addition to liability insurance, full coverage insurance also includes collision, comprehensive and medical payments coverage. In Oklahoma, the cheap car insurance companies for full coverage insurance include: Car insurance company Average annual full coverage premium Average monthly full coverage premium Geico $970 $81 USAA $1,224 $102 $1,327 $111 Mercury $1,369 $114 American Farmers & Ranchers Mutual $1,413 $118 Events that can impact your cheap rates in Oklahoma
Car insurance rates are not locked in forever. Your premium can change over time based on certain events, like getting into an accident or adding a teen driver to your policy. Here are some of the scenarios that can cause your premium to increase: : Adding a newly licensed driver to your policy will cause your rate to increase. However, you may be able to get a lower premium by taking advantage of discounts, like savings for good students. As the teen gets older, your car insurance rate will typically start to drop as long as they maintain a clean driving record while gaining more experience behind the wheel. : Getting a speeding ticket will likely impact your car insurance premium. In most cases, a speeding ticket conviction stays on your record for three years from the date your ticket is processed, during which time you will pay a higher car insurance rate. : An at-fault accident can stay on your record for up to five years. Once an accident shows up on your record, your insurance carrier will likely raise your rate upon your policy’s next renewal. You may be able to avoid the rate increase if you have accident forgiveness. : High-risk drivers generally pay very expensive insurance premiums. High-risk drivers are typically individuals who have been or caught , but can also include drivers with multiple at-fault accidents and speeding tickets on their record. High-risk drivers can still find affordable insurance, but it may be more difficult. Cheapest cities in Oklahoma for minimum coverage
Where you live has a direct impact on the cost of your car insurance. Insurance rates in Oklahoma can vary significantly between ZIP codes, so if you move to a new city, it's a good idea to re-shop for insurance to see if you can . In the table below, you can see the cheapest cities in Oklahoma for minimum coverage insurance based on . City Average annual minimum coverage premium Average monthly minimum coverage premium Jenks $451 $38 Wheatland $452 $38 Bixby $456 $38 Bethany $458 $38 Cheapest cities in Oklahoma for full coverage
The cost of full coverage insurance will also vary based on location. In general, full coverage insurance premiums are more expensive in areas with a high cost of living, high cost of auto repairs, high auto theft rate and so on. Here are the cheapest cities in Oklahoma for full coverage car insurance: City Average annual full coverage premium Average monthly full coverage premium Broken Arrow $1,973 $164 Choctaw $1,997 $166 Wheatland $2,000 $167 Spencer $2,017 $168 Minimum coverage requirements for Oklahoma drivers
To register your vehicle and drive legally, you must carry at least a . According to , drivers are required to carry the following policies and coverage amounts: $25,000 for bodily injury liability coverage per person $50,000 for bodily injury liability coverage per accident $25,000 for property damage liability coverage per accident Drivers who want the cheapest auto insurance in Oklahoma may be tempted to purchase a minimum coverage policy with the lowest rate. However, many drivers may benefit from more robust coverage or may be required to carry it if their vehicle is financed or leased. Full coverage insurance offers physical damage protection, as well as medical payments coverage that will reimburse you for medical expenses after a crash you cause. Here is how to find and keep cheap car insurance in Oklahoma
Once you find cheap car insurance in Oklahoma, it’s important to maintain your rate. Here are tips to help you get cheap insurance and keep your premium low: Shop and compare: To get cheap car insurance in Oklahoma, shop for quotes with the same coverage to compare rates with different companies. This can help you ensure you have the cheapest rates. Consider shopping at each renewal to maintain low rates. Keep a clean driving record: To help keep cheap car insurance in Oklahoma, work to maintain a clean driving record. This means practicing safe driving habits, avoiding accidents and tickets. You may be able to save even more if you take part in your auto insurer’s , which rewards safe driving behaviors. Frequently asked questions
The cheapest car insurance in Oklahoma for one driver may be different for another, as pricing is based on a combination of unique factors like the car you drive and your driving history. To choose the , you should evaluate companies based on the things that matter most to you, like good customer service, low rates or specific endorsements. Ultimately, the best provider is the one that can offer the lowest rate for the type and amount of coverage you want.
In the U.S. the is $545 per year for minimum coverage and $1,771 each year for .
All drivers in Oklahoma must maintain at least a minimum amount of car insurance, which includes bodily injury liability coverage of $25,000 per person and $50,000 per accident and property damage liability coverage of $25,000 per accident. Your insurer must offer you uninsured motorist and PIP coverage, though you can decline these coverages if you wish.
There are lots of ways to get a cheaper car insurance premium in Oklahoma. First, make sure to take advantage of all the discounts you are eligible for. In addition, adjusting your coverage limits, raising your deductibles and paying your premium in full can help you save money. Over time, improving your credit score and maintaining a clean driving record may also help you get a cheaper rate. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work.