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Some states have government programs to help make auto insurance more affordable for low-income households, but Oklahoma isn’t one of them. However, there are still strategies out there that can help you lower your insurance costs, like shopping around for quotes and being logical about the coverage you select.

Car insurance

is no small expense, but if you plan on driving on Oklahoma’s roadways, it’s required by law that you have it—it can help you avoid worse financial disasters later on. If you’re looking for some financial relief due to a limited income and an expensive premium in Oklahoma, here’s what you need to know.

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Find savings on Oklahoma car insurance costs

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Does Oklahoma have auto insurance for low-income individuals and families?

While some states offer programs that make auto insurance more affordable for

low-income drivers

—including California, Maryland, and Hawaii—Oklahoma isn’t one of them.

That can make shopping for a car insurance policy in Oklahoma challenging. Insurance premiums are no small pocket change, especially when you don’t have extra room in your budget to spare.

What is the cheapest car insurance company in Oklahoma?

There isn’t a single car insurance provider that offers the most affordable rates for all Oklahoma drivers across that board. That’s because location is only one of many factors that go into your car insurance costs, and different providers will give more weight to different factors when

determining your rate

Popular car insurance providers in Oklahoma include State Auto,

Safeco

, and Clearcover, but to find the company that offers the best rate for you, you’ll want to seek out quotes from multiple providers and compare your options.

Car Insurance Companies	Full-coverage Annual Rate	Minimum-coverage Annual Rate
Progressive	$1,786	$1,374

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Questions insurance companies ask

Cheap car insurance for low-income students in Oklahoma

Drivers under the age of 25, especially

teen drivers

, typically pay some of the highest car insurance rates—including in Oklahoma.

One of the main reasons for this is that these drivers are still somewhat new to driving and are gaining more experience behind the wheel. In the eyes of an insurance provider, that translates to higher accident risks.

In the meantime, however, if you happen to be a full-time student and earn good grades, providers often offer good student discounts that can help you reduce your premium.

Car Insurance Companies	Full-coverage Annual Rate	Minimum-coverage Annual Rate
Aspire Advantage	$2,111	$1,738
Progressive	$3,502	$1,518
National General	$3,148	$1,855
Clearcover	$2,656	$1,399
Anchor General	$1,767	$1,657
Allstate	$2,822	$1,319
Bristol West	$2,529	$1,910
Dairyland	$2,185	$1,704
Infinity	$1,955	$1,786
Travelers	$764	$2,967
Nationwide	$2,985	$1,367
Mapfre	$2,343	$1,011
Safeco	$3,215	$2,839
Mercury	$2,514	$1,066
Kemper	$2,451	$1,364
Encompass	$4,376	$3,366
Plymouth Rock	$4,290	$3,300
Electric	$4,542	$3,494
The General	$2,976	$2,289
AAA	$1,742	$1,340

MORE: How to get cheap car insurance for young drivers

Cheap car insurance for low-income seniors in Oklahoma

After age 25, you’ll typically see your average car insurance rates decline until around age 65, when they’ll start to rise again due to risks that can be associated with aging, like slower response times and declining vision.

Senior drivers with clean records usually won’t see premiums as steep as teen drivers, so shopping around for quotes can help you find the best rate available to you. And if you’re a safe and/or infrequent driver, low-mileage discounts,

safe driver discounts,

and telematics programs that monitor your driving habits are all ways you can make your insurance costs that much more affordable.

The table below shows how your car insurance rates can change over time.

Car Insurance Companies	Full-coverage Annual Rate	Minimum-coverage Annual Rate
Aspire Advantage	$1,229	$1,096
National General	$976	$1,188
Allstate	$982	$1,478
Anchor General	$1,357	$1,259
Progressive	$2,457	$1,487
Bristol West	$1,930	$1,528
Travelers	$2,079	$1,599
Clearcover	$2,496	$1,576
Infinity	$1,335	$1,304
Dairyland	$2,524	$1,381
Nationwide	$879	$2,253
Encompass	$2,444	$1,880
Mapfre	$1,959	$1,507
Safeco	$2,915	$2,242
Kemper	$2,330	$1,792

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The best senior car insurance for seniors

Cheap car insurance for low-income drivers with bad credit in Oklahoma

Low credit scores can make it difficult to qualify for things like

car loans

—and they usually come with less ideal terms or interest rates when approved—but a lesser-known fact is that they will also affect your car insurance rate.

An insurance provider will associate you with more risk as a policyholder if they notice factors like a high number of borrowing requests or missed payments.

While factors outside your control can affect your credit score, taking steps where you can to improve your credit and reduce your debt can help you qualify for lower car insurance rates in the future.

Here’s a look at how average insurance rates can vary based on where your credit stands.

Car Insurance Companies	Great(750-850)	Good(600-750)	Fair(500-600)	Poor(300-500)
Progressive	$1,990	$2,097	$2,217	$2,463
Allstate	$2,143	$2,259	$2,387	$2,652
Clearcover	$1,839	$1,938	$2,048	$2,275
National General	$1,900	$2,002	$2,116	$2,351
Safeco	$2,693	$2,839	$3,001	$3,333
Travelers	$2,005	$2,113	$2,233	$2,481
Bristol West	$3,016	$3,180	$3,361	$3,733
Nationwide	$2,292	$2,416	$2,554	$2,837
State Auto	$2,189	$2,307	$2,438	$2,709
Encompass	$2,663	$2,807	$2,967	$3,296
Mapfre	$1,302	$1,372	$1,451	$1,611
Kemper	$1,382	$1,457	$1,540	$1,711
Plymouth Rock	$1,871	$1,972	$2,084	$2,315
Oregon Mutual	$1,854	$1,954	$2,066	$2,295
Mercury	$1,388	$1,463	$1,546	$1,718
Electric	$1,088	$1,147	$1,212	$1,347

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Cheap car insurance for low-income drivers with violations in Oklahoma

Your driving record has a major impact on your car insurance costs.

Serious offenses, like reckless driving and DUIs, texting and driving, getting one too many

speeding tickets

, or racking up too many points on your driving record can classify you as a

high-risk driver

and send your insurance rate on the rise.

If you’re required to

file an SR-22

with your insurance, it can become even more challenging to find a provider willing to insure you—and an affordable one at that. National General, Dairyland, and

Progressive

are all insurance providers typically willing to work with high-risk drivers.

Car Insurance Companies	Reckless Driving	Speeding	DUI	Failure to Obey Traffic Sign	Improper Passing
Aspire Advantage	$1,331	$1,678	$1,220	$1,537	$1,512
National General	$1,614	$1,441	$1,142	$1,372	$1,208
Bristol West	$2,037	$1,959	$1,555	$1,843	$2,206
Progressive	$1,668	$1,290	$1,116	$1,410	$2,712
Anchor General	$1,252	$1,869	$1,446	$2,009	$1,812
Allstate	$1,444	$1,149	$914	$1,541	$1,383
Clearcover	$1,488	$1,268	$1,331	$1,363	$1,488
Dairyland	$1,633	$1,616	$1,171	$1,971	$1,633
Infinity	$1,682	$1,518	$1,206	$1,719	$1,691
Nationwide	$1,198	$1,484	$947	$1,238	$1,198
Mapfre	$1,003	$1,107	$1,003	$1,808	$1,003
Mercury	$1,637	$1,531	$1,637	$1,637	$1,637
Travelers	$1,362	$1,160	$1,362	$1,362	$1,362
Safeco	$1,535	$1,535	$1,535	$1,376	$1,535

In the meantime, taking steps to

improve your driving record

now can help you find reduced rates later on.

MORE:

How do I lower my car insurance after a speeding ticket?

What is the state minimum car insurance in Oklahoma?

Oklahoma law requires drivers to carry proof of insurance that confirms they have at least the following coverage:

$25,000 of

bodily injury liability coverage

per person

$50,000 of bodily injury liability coverage per accident

$25,000 of

property damage liability coverage

per accident

Once you have an adequate amount of coverage in place, plus your driver’s license and vehicle registration, you’re ready to hit the road!

Liability insurance vs. full coverage

The amount of liability insurance coverage listed above is technically all you legally need as an Oklahoma driver. If you’re ever found at fault for an accident, liability coverage will pay for other drivers’ damages and medical expenses up to your policy limit.

However, it’s important to be aware that liability coverage won’t cover damages to your own vehicle. This is where you’d need full coverage, which consists of a combination of

collision coverage

and

comprehensive coverage

in addition to liability. If you financed your vehicle, your lender might require you to have it.

Collision coverage can help cover repairs for your vehicle after an accident, while comprehensive coverage covers damages for a wide range of non-collision events, including severe weather, vandalism, and theft.

Extra coverage beyond liability insurance may not always be necessary, and it will naturally come at a higher cost. But depending on the vehicle you drive and your financial situation, having these protections in place could protect you from a financial disaster if a worst-case scenario does occur, especially for newer vehicles.

The bottom line is that you’ll need at least the state-required minimum amount of liability coverage, and from there, your budget and level of comfort can dictate what other

coverage types

you choose.

What affects the cost of car insurance in Oklahoma?

As mentioned above, there are myriad factors that will determine your Oklahoma car insurance costs, and different providers will use different formulas to decide your rate.

If you have a low credit score, accidents or violations on your driving record, or many past insurance claims, these are all factors that could leave you with a more expensive premium.

Unfortunately, not every factor is within your realm of control. Zip codes with high population densities, frequent natural disasters, or high crime rates will typically have higher insurance costs, and your age, gender, and even marital status can also affect what you pay.

But again, different providers will use different methodologies to determine your rate, so there’s always a chance you could find significant savings by gathering and comparing multiple car insurance quotes before purchasing a policy.

Consequences of driving without insurance in Oklahoma

Car insurance can be expensive, but it’s more costly to go without it.

You’ll have to have proof of insurance to register your vehicle in Oklahoma, but if you cancel your policy and you’re caught without it later on, you could face some

serious consequences

, such as fines, fees, license plate seizure, and even possible jail time.

The consequences could get more severe if you’re involved in an accident, especially if you were at fault. On top of any other penalties you may face, you’ll be liable to pay for others’ damages and injuries from your own wallet without insurance, which could put you in a precarious legal situation if you’re unable to pay up.

Plus, having an

insurance lapse

on your record often means you’ll have to pay more for car insurance later on.

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How police catch uninsured drivers

10 easy ways to lower auto insurance costs in Oklahoma

If you need Oklahoma car insurance but you’re trying to free up more room in your budget, we hear you. Here are some ways you can balance having the right amount of coverage with more affordable costs.

1. Drive less

If you don’t drive often,

pay-per-mile insurance

and low-mileage discounts can help you significantly cut down the price of your premium.

Even if the amount of driving you do is too high to save with a pay-per-mile policy, many insurers will at least partially determine your rates based on your vehicle’s mileage, so it’s worth checking with your agent about whether that’s the case for you and if the mileage they have on file for your vehicle is correct.

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Cheap car insurance if you drive less than 50 miles a day

2. Install a telematics device

Some insurance providers also offer telematics programs that involve using a device or app to track various aspects of your driving habits—and if that data displays the qualities they’re looking for, whether that’s low mileage or safe driving practices, you might qualify for an insurance discount!

A few examples of popular telematics programs include

State Farm’s Drive Safe and Save program

, Allstate’s Milewise, or

Nationwide’s SmartRide

3. Combine policies or reduce coverage on older cars

Insuring one vehicle on a limited income can be expensive as it is. But if you have multiple vehicles to insure, a

multi-car insurance policy

can help you reduce your rate, and bundling with other types of insurance you might be paying for, like homeowners or renters insurance, could get you discounted rates on those policies, too.

Additionally, if you’re driving an older vehicle, you could consider revisiting its current coverage. For example, if you have full coverage but the car’s value is now worth less than the actual cost of your premium, you could consider whether to

keep or drop your full coverage

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Pros and cons of bundling home and auto insurance

4. Pay in full

There are all kinds of ways to pay for car insurance. You can typically do so monthly, semi-annually, or annually—and if you can spare the upfront expense, many providers will offer you a

paid-in-full discount

for paying for your coverage in advance.

5. Choose a monthly payment plan

If you have a tight budget and not much in the way of an emergency fund, forking over a payment for six months’ to a year’s worth of coverage at once could leave you in a more financially vulnerable position. When that’s the case, it may be in your best interest to stick with monthly payments so you can more easily cover other unexpected expenses.

If you decide to pay the cost of your premium monthly as opposed to in advance, there are still other ways you could save: many providers also offer discounts for setting up automatic payments, for example.

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Monthly vs. yearly car insurance payments—what’s cheaper?

6. Park in a garage

If you’re able to park your vehicle in a garage, make sure your insurance provider knows about it!

Having access to a secure, locked garage will keep your vehicle better protected against theft or vandalism, as well as severe weather events that could bring

hail

or other damage. This reduced risk could end up helping you score a lower premium.

7. Build your credit

The stronger your credit report, the easier it will typically be to find cheaper car insurance. Prioritize making on-time payments to

build your credit

over time.

MORE: How to build your credit without applying for a credit card

8. Raise your deductible

Your car insurance deductible is the cost you’ll have to pay out of pocket before your coverage kicks in. Common deductible amounts are $500, $1,000, or $1,500—and if you choose to

raise your deductible

, your provider may offer you a lower premium.

That said, you’ll still want to make sure the deductible amount you choose is one that you could still afford to pay out of pocket if needed.

9. Pick lower coverage limits

For most drivers, full coverage is almost always worthwhile and can protect you from more severe financial difficulties after an accident. That said, sometimes your current financial situation may just not allow for it. Sticking to Oklahoma’s minimum liability insurance requirements will give you the least expensive premium.

If you prefer to keep additional coverage, lowering your coverage limits can help to reduce your costs while still providing you with an extra sense of security.

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10. Compare multiple car insurance quotes

We’ve mentioned it a couple of times already, but comparing multiple quotes is one of the most effective things you can do to find a better rate on your car insurance policy. Providers use different formulas to set your rate, and you never know what savings you could be missing out on unless you shop around!

"
Jerry
is so helpful! It turns out that Safeco offers me the best plan for my price range. I’m thankful for the extra income I’m saving with a better auto insurance policy.” —Lou C.

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