Car Insurance in Oklahoma
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- Looking for cheap car insurance in Oklahoma?
- How much does car insurance cost in Oklahoma?
- Top auto insurance providers in Oklahoma
- What car insurance do you need in Oklahoma?
- How is your cost of car insurance determined in Oklahoma?
- How to save money on car insurance in Oklahoma
- Registering your car in Oklahoma
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Looking for cheap car insurance in Oklahoma?
Oklahoma’s car insurance rates are roughly around the national average—while the population density is low the state gets severe weather that drives up prices. That said, you can still shop around for the best rate on car insurance by comparing quotes with Jerry.
While the state’s average car insurance rates are fairly moderate, residents of Oklahoma cities could be paying even more. Drivers who live in cities like Tulsa or Oklahoma City could see higher rates than drivers who live in more rural areas due to the larger populations of the cities and longer average commute times.
That said, location is just one of the things insurance companies look at when setting your car insurance premiums. Providers will consider your demographics, driving history, and other factors when giving you quotes, so it is important to comparison shop to find the best prices.
That’s where Jerry can help. After a quick sign-up, Jerry will compare quotes from over 50 top insurance providers. Then, Jerry will help with all of the switchover, including helping to cancel your old policy. So why do all that extra work when Jerry can do it better?
Need more proof? Here are some real quotes from customers in Alabama who saved money with Jerry:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| May 17, 2022 | Hyundai Elantra SE | Foss | Sarah H. | 34 | Progressive | $296/mo. | $67/mo. |
| May 3, 2022 | Gmc New Sierra C1500 | Norman | Chester R. | 35 | Progressive | $130/mo. | $88/mo. |
| April 28, 2022 | Lexus ES 350 | Bethany | Jared H. | 72 | Safeco | $143/mo. | $97/mo. |
| May 2, 2022 | Gmc Terrain SLT | Claremore | Bessie M. | 34 | Clearcover | $250/mo. | $168/mo. |
| May 15, 2022 | Fiat 500 Abarth | Norman | Todd S. | 22 | Progressive | $300/mo. | $244/mo. |
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How much does car insurance cost in Oklahoma?
The average cost of liability-only car insurance in Oklahoma is $1,601 per year. If you prefer to buy full coverage car insurance in Oklahoma, you can expect to pay an average cost of $2,198 per year.
How does the annual cost in Oklahoma compared to the rest of the country?
Compared to nationwide averages, it costs $1,626 per year for liability-only car insurance and $2,298 per year for full-coverage car insurance.
What impacts insurance rates in Oklahoma? Here are a few things to consider:
- Rural areas: A majority of Oklahoma is rural, so there is less traffic
- Inclement weather: Oklahoma gets severe storms that can cause vehicle damage
- High crime rates: Oklahoma has had a recent increase in property theft
Here’s how Oklahoma insurance savings stack up against nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| OK | $1,995 | $1,388 | $2,106 | $1,085 | $2,305 | $1,775 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| OK | National Average | |
All Coverage Before Jerry | $1,995 | $2,436 |
All Coverage After Jerry | $1,388 | $1,660 |
Minimum Coverage Before Jerry | $2,106 | $2,296 |
Minimum Coverage After Jerry | $1,085 | $1,376 |
Full Coverage Before Jerry | $2,305 | $2,654 |
Full Coverage After Jerry | $1,775 | $1,962 |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Top auto insurance providers in Oklahoma
Oklahoma residents can choose from a variety of providers. Some popular carriers include Geico, Farmers, and Progressive.
However, a different provider may better suit your needs.
Each provider has its own criteria to determine insurance premiums. You’ll likely get very different quotes from each provider because of this. Some factors that impact your insurance premium include your age, driving history, marital status, and location.
Your car will also impact your insurance rates. For example, if you drive a Jeep Gladiator, it’s going to cost more to insure than a Mazda 3—in part because of the Jeep’s higher cost and lower safety rating.
Regardless of the variables, Jerry customers in Oklahoma have gotten some great deals on car insurance. Just look at these savings:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $3,466 | $2,199 | Compare Prices |
| National General | $3,396 | $1,987 | Compare Prices |
| Kemper | $3,413 | $1,405 | Compare Prices |
| Nationwide | $3,180 | $1,296 | Compare Prices |
| Allstate | $2,337 | $785 | Compare Prices |
| Travelers | $2,600 | $733 | Compare Prices |
| Clearcover | $2,288 | $716 | Compare Prices |
| Safeco | $2,196 | $688 | Compare Prices |
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What car insurance do you need in Oklahoma?
As is true of most states, Oklahoma has minimum insurance requirements that drivers must obtain before they can legally drive. In Oklahoma, you need at least the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $25,000 per accident | Covers the costs associated with the damage you cause to other people’s vehicles or property |
If you don’t secure coverage or you let your coverage lapse, you could face penalties, including:
- A fine of $250 for your first offense
- Up to 30 days in prison
- License plate seizure
If it’s in your budget, it’s always a good idea to carry more than the minimum liability insurance. As liability insurance covers others if you cause an accident, it doesn’t protect you or your vehicle. Some coverages Oklahoma drivers will want to consider include:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Roadside assistance | Covers the costs associated with a breakdown |
No matter the coverage you choose, Jerry can help you find the best possible rates.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help cancel your old policy for you.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal. Jerry customers save $879 per year on average!
Now that you know what kind of insurance you need, here are some things that will impact the cost.
How is your cost of car insurance determined in Oklahoma?
Insurance companies look at several factors when setting their car insurance premiums. They consider things like age, driving record, and zip code before giving you a quote.
What young drivers in Oklahoma need to know
- Oklahoma’s accident rate for drivers under 18 is higher than the national average
- Defensive driving courses can help young drivers secure lower car insurance premiums
- Maintaining a B average or higher could earn drivers a good student discount
Young drivers won’t have as low of rates as their more experienced counterparts, but they can still find a great deal on car insurance by shopping around and maintaining a clean driving record.
To find the best rates, shop with Jerry. Here are the average rates for drivers by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $3,176 | $988 |
| 21-24 | $2,562 | $909 |
| 25-34 | $2,276 | $816 |
| 35-44 | $2,233 | $818 |
| 45-54 | $2,170 | $810 |
| 55-64 | $2,157 | $832 |
| 65+ | $1,681 | $534 |
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Cost to insure your car in Oklahoma with a poor driving record
Insurers heavily weigh your driving record when determining your car insurance rates. If you’ve been in an accident, gotten a speeding ticket, or had a major offense like a DUI, you will have higher rates for your Oklahoma car insurance rates.
Insurance companies will deem drivers with a bad record high-risk drivers based on the risk they’ll have to make a claim. They will charge them higher rates as a result.
Despite that, you can still find better rates using Jerry. Jerry will find you the cheapest car insurance with a bad driving record.
These are just an example of some of the rates that drivers with poor records can find after switching with Jerry:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,252 | $703 |
| DUI | $4,292 | $1,278 |
| Driving on Sus. License | $3,186 | $1,277 |
| Open Container | $4,662 | $1,262 |
| Speeding under 15 | $3,174 | $991 |
| Failure to Obey Traffic Sign | $2,426 | $783 |
| Careless Driving | $2,935 | $726 |
| Improper Passing | $3,194 | $625 |
| Wrong Way/Wrong Lane | $1,200 | $366 |
| Illegal Turn | $2,084 | $316 |
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Cost to insure your car in Oklahoma based on where you live
Oklahoma’s insurance rates are pretty standard compared to the rest of the nation, but it could change depending on where you live.
Drivers in Oklahoma’s cities could have higher premiums due to higher crime rates and more population density, while drivers in some rural areas could pay a premium because of the accidents that occur when drivers are on rural roads with fast speeds.
Additionally, the state as a whole is known to get some extreme weather. The propensity for tornadoes and other storms in Oklahoma could raise insurance premiums across the city.
These are some of the best rates for car insurance in Oklahoma for Jerry customers:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Ardmore | $2,319 | $916 |
| Edmond | $2,331 | $765 |
| Lawton | $2,230 | $763 |
| Mcalester | $2,760 | $990 |
| Moore | $2,361 | $850 |
| Muskogee | $2,484 | $850 |
| Norman | $2,307 | $791 |
| Oklahoma City | $2,329 | $835 |
| Oklahoma-City | $2,296 | $834 |
| Tulsa | $2,233 | $817 |
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Cost to insure your car in Oklahoma based on the type of car you drive
The car you drive also will impact your insurance costs. For example, if you’re driving a Hyundai Tuscon, your car insurance costs will be relatively lower. Hyundais are popular cars with good safety ratings, so you will pay less than some other makes and models.
Generally speaking, it costs less to insure less expensive cars because their repair or replacement costs will be lower. You can also keep your rates down by driving less, meaning you’re less likely to get into an accident.
However, if you drive a luxury vehicle like a Mercedes-AMG G63 or Audi A8 Quattro, you can expect higher monthly insurance costs.
Here’s what it costs to insure some popular makes and models with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Kia Forte LX | $2,037 | $1,560 |
| Hyundai Elantra SE | $2,463 | $1,462 |
| Chevrolet Malibu LS | $1,973 | $1,132 |
| Ford Fusion SE | $2,030 | $1,096 |
| Nissan Titan XE | $811 | $796 |
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How to save money on car insurance in Oklahoma
Regardless of your demographics or location, you can still find ways to decrease your monthly insurance bill.
Shop around for quotes
The easiest way to keep your rates down is to compare quotes from multiple companies.
However, this isn’t always the fastest. Comparing quotes yourself could take hours, especially if you’re filling out forms and calling insurance agents. Or you could get Jerry.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. After a quick sign-up, Jerry handles all the hard work for you—from collecting quotes to completing the paperwork to helping you cancel your old policy.
And to ensure you’re always getting the lowest rate, Jerry monitors prices before your renewal and lets you know if there’s a better deal.
Look for discounts
Another great way to save money on car insurance is by applying for discounts. Most companies offer discounts, but they aren’t readily advertised—so it never hurts to ask your provider what’s available.
Here are some popular discounts in Oklahoma:
Insurance companies in Oklahoma can also factor in considerations like your employment, residential, and marital status when they determine their car insurance rates. If you’re married, a homeowner or you have an affiliation with certain employers or institutions, you may be eligible for a discount.
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Increase your deductible
Increasing your deductible—the amount you pay out of pocket on a claim—is another way to get lower rates each month.
You may have to pay more all at once, but it can save you money if you think it’s unlikely you’ll need to make a claim. That said, make sure that you can afford to pay the full deductible in case you have to make a claim.
Registering your car in Oklahoma
If you want to register a car in Oklahoma, you need to have the following paperwork prepared:
- A driver’s license or ID card
- Oklahoma Certificate of Title
- A car title or signed lease agreement
- Proof of insurance
- Proof of sales tax payment
- Proof of safety inspection
- Odometer reading, if the car is under 9 years old
- Lien documentation, if applicable
It’s recommended that you make an appointment with the DMV to register your car to avoid waiting. You’ll have to fill out the necessary documents, including some personal information, and details about your vehicle.
Drivers in Oklahoma must renew their vehicle registration every year.
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