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.
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:
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:
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:
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.
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.