Cheapest Insurance in Oklahoma 2021

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Oklahoma isn’t cheap when it comes to car insurance—and you can blame it on the state’s location, smack dab in the middle of Tornado Alley. There’s also a high percentage of uninsured drivers, which pushes rates up.
But that doesn’t mean there aren’t affordable rates to be found. To find them, your best bet is to compare quotes from multiple companies.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Oklahoma. And if you want to learn more about car insurance rates in Oklahoma, keep reading.
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Here’s how much real Jerry customers saved in Oklahoma when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
June 21, 2021Buick EncoreTulsa51MercuryBasic$200/mo.$93/mo.
August 19, 2021Dodge Challenger R/TTulsa28ClearCoverCustom$306/mo.$148/mo.
March 10, 2021Toyota Camry LETulsa32AllstateCustom$232/mo.$152/mo.
November 11, 2020Honda Cr-V EXTulsa32TravelersStandard$280/mo.$181/mo.
August 19, 2021Dodge Challenger R/TTulsa28ProgressiveCustom$306/mo.$221/mo.
Using Jerry to view quotes from multiple providers is the best way to find cheap car insurance in Oklahoma.

Cheapest minimum coverage car insurance in Oklahoma

In Montana, people who purchase car insurance are required to get the following minimum coverages:
  • $[25,000] bodily injury liability per person
  • $[50,000] bodily injury liability per accident
  • $[20,000] property damage liability per accident
It’s illegal to have a car insurance policy in Montana that does not meet these required minimums. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is not a recommendation—it’s a requirement! It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in Montana:
Before Jerry
After Jerry
$2,759$1,231
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Additional coverages you might want to consider when shopping for car insurance in Oklahoma

Risk factorCoverage to consider
TornadoesComprehensive insurance covers damage to your vehicle that is incurred as the result of severe weather, such as a tornado.
Uninsured driversIf you get into an accident with an uninsured driver, uninsured motorist protection can help with your expenses.
While you only require minimum liability insurance to drive in Oklahoma, purchasing additional protections to address state-specific risks is generally a good idea.

Best carriers for minimum coverage car insurance in Oklahoma

Driving without insurance in Oklahoma can cost you up to $825 in fines and fees, suspension of your license and registration, vehicle impoundment, and even prison time.
Comparing rates with different insurance companies can help you find the most affordable rates so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Oklahoma:
Insurance Company
Before Jerry
After Jerry
Progressive$2,389$1,190

Cheapest full coverage car insurance in Oklahoma

Securing more than just the minimum required coverage is usually a good idea. It provides peace of mind and better protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$3,018$2,303
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Best carriers for full coverage car insurance in Oklahoma

Checking out quotes from a number of different insurance companies is key to finding the most affordable full coverage insurance.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Oklahoma:
Insurance Company
Before Jerry
After Jerry
Allstate$2,886$1,956
Progressive$2,613$2,140
Travelers$2,952$2,860
Full coverage insurance may cost more upfront, but it offers greater financial protection and can save you a lot in the long run.

Cost to insure your car in Oklahoma by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Teenage drivers are four times more likely than adults to get into a car accident. They’re also more likely to make poor decisions behind the wheel, such as distracted driving, speeding, and non-use of seatbelts.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,952$2,030
21-24$2,590$1,679
25-34$2,474$1,523
35-44$1,958$1,304
45-54$2,541$1,533
55-64$2,435$1,685
65+$1,680$1,248
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Cost of insurance for drivers in Oklahoma with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Oklahoma, points from serious violations may remain on your record for up to five years. This makes you a high-risk driver in the eyes of insurance companies, who set their premiums accordingly.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,472$1,699
Driving on Sus. License$1,218$871
Failure to Obey Traffic Sign$2,472$1,423
Defective Equipment$3,696$2,153
Speeding under 15$4,169$2,259
DUI$3,413$3,129
Careless Driving$4,686$4,185
Other$3,072$1,560

Best carriers for drivers with infractions in Oklahoma

Insurance Company
Before Jerry
After Jerry
Travelers$2,547$1,878
Safeco$2,827$1,938
Progressive$2,910$2,075
Allstate$2,843$2,085
Kemper$4,180$2,321
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Cost of insurance for young drivers in Oklahoma with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
This is because insurance companies must take on added risk to insure you. The more likely they are to have to pay out for a claim, the more they charge for your insurance premium.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,030$1,970
Speeding under 15$4,623$2,381
DUI$3,564$3,240
Careless Driving$5,448$4,812
Other$3,072$1,560
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Oklahoma, check out these top carriers.

Best carriers for young drivers with infractions in Oklahoma

Insurance Company
Before Jerry
After Jerry
Progressive$3,149$2,251
Allstate$2,990$2,302
Safeco$4,860$2,966
Travelers$5,072$4,125
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Oklahoma

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Oklahoma.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Defensive driving discountVoluntarily completing a defensive driving course and providing proof to your insurer can save you money on your premium, usually around 5%.
Good student discountFull-time students under the age of 25 may be eligible for discounted rates for maintaining at least a B average.
Multi-line discountInsurance companies often offer discounted premiums to policyholders who insure more than one product with them—typically home and auto insurance.
Accident-free discountIf you’ve been accident-free for at least 3 years, you may be eligible for better insurance rates. The amount of your discount usually increases as you achieve more time without a chargeable accident.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Oklahoma?

Sedans like the Nissan Altima are popular in Oklahoma, and they’re also some of the safest and most affordable vehicles to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Buick Roadmaster$1,164$312
Chevrolet Aveo LT$1,096$558
Chevrolet Tahoe C1500$2,274$1,770
Chrysler Town & Country Touring$1,800$852
Dodge Challenger SXT Plus$3,660$2,796
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Cheapest car insurance in Oklahoma by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Oklahoma’s insurance rates are typically quite high due to its location right in the middle of Tornado Alley. These storms cause extensive damage and result in huge claims.
There’s also a high percentage of uninsured drivers in Oklahoma, which raises risk—and premiums—for everyone.
That said, rates vary within the state depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Oklahoma:
City
Before Jerry
After Jerry
Oklahoma City
$2,349$1,629
Tulsa$2,468$1,638
Edmond
$2,006$1,564
Norman
$3,010$2,115
Moore
$3,669$2,844
Mcalester
$2,269$1,673
Broken Arrow
$2,076$1,402
Lawton
$3,105$2,449
Muskogee
$3,359$1,602

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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