Car Insurance in Oklahoma
- How Much is Car Insurance in Oklahoma?
- Real Quotes for Jerry.ai Customers in Oklahoma
- The Cheapest Car Insurance in Oklahoma
- Most Popular Insurance Companies in Oklahoma
- Cost to Insure Different Cars in Oklahoma
- Car Insurance Laws in Oklahoma
- Car Registration Information in Oklahoma
Looking for car insurance in Oklahoma? Here you’ll find all the information you need on driving a car in The Sooner State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Tulsa or Oklahoma City, Norman or Broken Arrow — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Oklahoma car insurance.
How Much is Car Insurance in Oklahoma?
Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Oklahoma, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Oklahoma pay $1,998.72 each year for car insurance. This means drivers in Oklahoma pay 32% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
What’s Your Rate?
But how do you know what policy is right for you in Oklahoma? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Oklahoma, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.
Real Quotes for Jerry.ai Customers in Oklahoma
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2020-12-18 |
| 54 year old female | Travelers | $137 | $109 | Preferred |
| 2021-01-18 |
| 22 year old female | Travelers | $172.67 | $41.85 | Standard |
| 2020-11-18 |
| 23 year old male | Progressive | $261.50 | $27.50 | Preferred |
| 2021-01-05 |
| 50 year old male | Progressive | $72.67 | $69.33 | Preferred |
| 2021-01-16 |
| 31 year old female | Travelers | $65 | $10 | Preferred |
The Cheapest Car Insurance in Oklahoma
Which companies offer cheap car insurance in Oklahoma? Below, we’ve ranked Oklahoma car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
Cheapest Car Insurance in Oklahoma for Basic Coverage
There’s all kinds of auto insurance you can get in Oklahoma, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Oklahoma. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Oklahoma, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Basic Coverage in Oklahoma
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Mercury | $795.88 |
| 2 | CLEARCOVER | $877.91 |
| 3 | Progressive | $982.93 |
Real Jerry Quotes for Basic Coverage in Oklahoma
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2020-11-25 |
| 26 year old female | Progressive | $50.83 | $29.17 |
| 2021-01-15 |
| 21 year old male | Progressive | $81.83 | $35.17 |
| 2020-12-12 |
| 21 year old female | Progressive | $95.83 | $194.17 |
| 2020-12-13 |
| 36 year old female | Progressive | $50.83 | $117.17 |
| 2021-02-19 |
| 21 year old male | Progressive | $59.33 | $161.67 |
Average Cheapest Car Insurance for Standard Plans in Oklahoma
Most drivers will want more than the basic minimum coverage that Oklahoma requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Oklahoma, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!
Average Cheapest Car Insurance for Standard Coverage in Oklahoma
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | CLEARCOVER | $1,269.43 |
| 2 | Mercury | $1,304.93 |
| 3 | Progressive | $1,508.42 |
| 4 | Travelers | $1,869.59 |
| 5 | Safeco | $1,971.02 |
Real Jerry Quotes for Standard Coverage in Oklahoma
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2020-11-20 |
| 30 year old male | CLEARCOVER | $60.50 | $98.50 |
| 2021-02-09 |
| 34 year old male | CLEARCOVER | $68 | $272 |
| 2021-01-09 |
| 20 year old male | Progressive | $191.67 | $27.33 |
| 2021-01-27 |
| 23 year old male | CLEARCOVER | $76.33 | $63.67 |
| 2021-01-09 |
| 29 year old male | Progressive | $246.67 | $143.33 |
Cheapest Car Insurance in Oklahoma for Preferred Coverage
Preferred coverage protects Oklahoma drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Oklahoma, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Preferred Coverage in Oklahoma
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | CLEARCOVER | $1,342.94 |
| 2 | Mercury | $1,645.83 |
| 3 | Progressive | $1,832.81 |
| 4 | Travelers | $1,979.53 |
| 5 | Safeco | $2,385.55 |
Real Jerry Quotes for Preferred Coverage in Oklahoma
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-05 |
| 50 year old male | Progressive | $72.67 | $69.33 |
| 2020-12-14 |
| 24 year old male | CLEARCOVER | $130.83 | $227.67 |
| 2021-01-18 |
| 44 year old female | CLEARCOVER | $76 | $39 |
| 2020-12-10 |
| 53 year old male | Progressive | $177.83 | $135.17 |
| 2020-12-29 |
| 25 year old male | Travelers | $168.08 | $101.92 |
Most Popular Insurance Companies in Oklahoma
| Insurance company | Average annual premium in Oklahoma |
|---|---|
| Progressive | $1,508.81 |
| Mercury | $1,215.20 |
| Gainsco | $1,279.20 |
| CLEARCOVER | $1,672.23 |
| Safeco | $1,478.73 |
Cost to Insure Different Cars in Oklahoma
Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Oklahoma drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Oklahoma. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2021-01-16 |
| 28 year old female | Progressive | $143.17 | $36.83 | Preferred |
| 2020-12-05 |
| 20 year old male | Progressive | $181.50 | $108.50 | Preferred |
| 2020-12-30 |
| 25 year old male | Progressive | $84.33 | $15.67 | Standard |
| 2020-11-30 |
| 25 year old female | Progressive | $141.17 | $72.16 | Standard |
| 2020-12-25 |
| 27 year old female | Progressive | $116 | $34 | Preferred |
| 2021-01-02 |
| 51 year old female | Progressive | $51.17 | $198.83 | Basic |
| 2021-02-13 |
| 40 year old female | CLEARCOVER | $75.67 | $12.33 | Standard |
Car Insurance Laws in Oklahoma
More than 21 million people visit Oklahoma every year, whether to check out the Cowboy Hall of Fame, watch an Oklahoma City Thunder game, or just cruise Route 66. Traffic can be congested due to high volumes of usual traffic that intersect with tourists. The unfortunate byproduct is that more car accidents happen that involve both Okies and visitors to the state that are bound to cause auto insurance coverage premiums to go up.
As with most states, Oklahoma has a predetermined set of laws that clearly state how much insurance drivers need to have for their vehicles. Find answers to common questions about minimum coverage requirements for car insurance in the great state of Oklahoma below.
What Car Insurance Is Required by Law in Oklahoma?
Before you can register a vehicle in Oklahoma, you must first have valid insurance coverage that meets the minimum coverages set by the state. Minimum liability coverage in Oklahoma involves two types of mandatory coverage: Bodily Injury Liability (BIL) and Property Damage Liability (PDL).
Oklahoma, which is an at-fault state, requires that the driver who causes an accident is responsible for the financial losses and medical expenses from it. BIL coverage provides other drivers and their passengers with compensation for medical bills, prescriptions, emergency response vehicle costs, and even lost wages due to the collision. Making BIL part of minimum coverages ensures that other motorists aren’t held liable for damages they didn’t cause.
Likewise, PDL coverage provides compensation for any property damage that occurs as a result of an accident. The included items are far-ranging, such as other cars, parking lot stanchions, buildings, and almost anything else that could be damaged from a collision.
Mandatory minimum auto insurance coverage may not be enough to cover all the expenses arising from a collision, however, and are a fraction of what would be considered adequate. In addition to PDL insurance and BIL coverage, uninsured motorist coverage in your own insurance policy could cover losses if the other driver did not have liability insurance; underinsured motorist coverage would cover losses above and beyond their limitations.
Can You Drive a Car without Insurance in Oklahoma?
In Oklahoma, you must have valid proof of insurance or financial responsibility when you operate a motor vehicle. If you’re pulled over and don’t have proof of insurance, your driving privileges will be suspended, and you’ll need to pay a fine of at least $100.
Although Oklahoma is one of the few states that doesn’t require a driver to acquire an SR-22 certificate for a conviction of driving without insurance, your insurance premiums are sure to increase. And if you get into an accident without insurance, you can be sentenced to jail for up to 30 days, your vehicle registration can be suspended, and you will be financially responsible for the costs associated with the collision.
What Are the Minimum Car Insurance Requirements in Oklahoma?
For Oklahoma drivers, minimum coverage amounts for insurance are required whenever driving in the state. This protects you and any other drivers, bystanders, and property owners from the costs that can be incurred from a car accident. To ensure you can drive in Oklahoma legally, it’s mandated that you must carry these minimum coverage amounts on your insurance policy.
Minimum Insurance Requirements in Oklahoma
- Bodily injury liability: $25,000 per person per accident
- Bodily injury liability: $50,000 per accident
- Property damage liability: $25,000 per accident
Car Registration Information in Oklahoma
Vehicle registration in Oklahoma is required when you live and drive in the state. You need to make sure your vehicle is registered within 30 days of purchase. If you’re a new resident to Oklahoma, you have 30 days to register it. In all cases, you may not drive the car unregistered if residency has been established. After 30 days, a fine of $.25 per day is levied.
When you initially register a vehicle, you must do it in person at an Oklahoma Tax Commission office, where you’ll be issued a license plate that has to be affixed to the rear of your vehicle. An initial registration fee will be assessed, including approximately 3.25% excise tax on the car’s value, 1.25% of the purchase price as a sales tax, and a registration fee of $26 to $96 based on the vehicle’s age. An ownership transfer fee of $17 may also apply.
Registration renewal is done primarily online in Oklahoma through the state’s Oklahoma Tax Commission’s Convenient Auto Renewal System, or OKCARS. Alternatively, you can visit the OTC office in your area to renew in person. Renewals can be processed anytime within the month prior to expiry and require that you provide:
- The last four numbers of your vehicle identification number (VIN)
- The license plate number
- Your driver’s license number
- Current liability insurance document
- Payment