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Jerry Data & Research
Cheapest Car Insurance in Oklahoma (Sep, 2024)
Cheapest Car Insurance in Oklahoma (Sep, 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Oklahoma.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Oklahoma
- Cheapest car insurance companies in Oklahoma
- Oklahoma Car Insurance Coverage Requirements
- Oklahoma Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Oklahoma ?
- Car Insurance for High-Risk Oklahoma Drivers
- Car Insurance for Oklahoma Drivers With DUI
- Car Insurance for Oklahoma Drivers With a Coverage Lapse
- Car Insurance for Oklahoma Drivers With a Low Credit Score
- Oklahoma Car Insurance Cost by Age
- Oklahoma Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Oklahoma Insurance Cost by Zip Code
- How to lower the cost of car insurance in Oklahoma
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Oklahoma
Convenient as it would be, there’s no car insurance provider that offers the cheapest rates for everyone in Oklahoma. While many will evaluate common factors—like your driving history, location, and demographics—each provider uses its own methodology to determine the cost of your premium.
What this means: Your best bet at finding
cheap car insurance
in Oklahoma is to compare multiple quotes from multiple providers. Jerry Insurance Agency
allows you to do this quickly and easily—all in one place. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $369 | Edgar, 21 | Chevrolet Equinox LT | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $126 | Willie, 41 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
| AAA | $159 | Dylan, 29 | GMC Terrain SLT | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $122 | Phoebe, 30 | Chrysler Pacifica Touring L | • 100,000/300,000 Liability • Comp / Collision |
| State Auto | $83 | Fanny, 26 | Honda Civic LX | • 50,000/100,000 Liability |
Last Updated Sep 15, 2024Cheapest car insurance companies in Oklahoma
To find out what car insurance companies offer the lowest rates in Oklahoma, Jerry conducted the nation’s largest insurance shopping survey.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Allstate | September 11, 2024 | 5 | "Allstate has been wonderful! Their app is easy to use, and customer service has been great! " -Fred |
| AAA | September 8, 2024 | 5 | "So far i really like it." -Norman |
| Farmers | September 5, 2024 | 4 | "It was a good insurance . What I enjoyed most was the ability to get my monthly rate lowered just by having the app d...(read more)" -Vincent |
| Safeco | September 5, 2024 | 4 | "I have had this insurance and it’s been pretty simple steps to get the insurance. I received my insurance in a couple...(read more)" -Callie |
| Bristol West | September 2, 2024 | 5 | "Extremely happy I downloaded the Jerry app so they could find the best insurance company for me, with the best deals ...(read more)" -Mabelle |
Last Updated Sep 11, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The results: There’s no singular car insurance provider that offers the cheapest rates for every driver.
Progressive
, Nationwide
, and Travelers
are all popular options among Oklahoma drivers, but the best car insurance company for you will depend on your budget as well as what you’re looking for in a policy and provider.Using a car insurance comparison app or website makes finding cheap auto insurance a quick and easy process. As a
licensed insurance agency
, Jerry allows you to gather and compare car insurance quotes
—and if you find the right policy at the right price, they’ll even help you make the transition to your new provider.Minimum car insurance requirements for liability and full coverage in Oklahoma
Like most states,
Oklahoma law
requires drivers to have a minimum amount of car insurance in place before they can legally drive. Depending on your coverage needs, it’s possible you could also benefit from full coverage or additional coverage types.Cheapest minimum liability coverage in Oklahoma
This minimum required coverage is often referred to as 25/50/25.
Here are rates Jerry users have found for minimum liability coverage in Oklahoma.
Landon (18 years old)
$272
per month
Caroline (58 years old)
$108
per month
Do you need more than the minimum liability insurance coverage in Oklahoma?
Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.
The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.
The Oklahoma Insurance Department notes that for better financial protection, it’s generally recommended that drivers carry 100/300/100. That would equate to:
- Bodily injury liability: $100,000 per person, $300,000 per accident
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Oklahoma auto insurance quotes
If you want your car insurance policy to cover damages to your own vehicle, you’ll want to have full coverage.
Full coverage includes
comprehensive
and collision coverage
. Collision coverage will pay for repairs or replacements after an accident, while comprehensive coverage covers a range of other types of events, such as theft, fire, vandalism, or severe weather.If your car is financed: Your lender will likely require you to have full coverage until your loan is paid off. In fact, many lenders and dealers will need proof of coverage
before completing a vehicle sale
.| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $272 | Bobby, 18 | Hyundai Sonata GLS |
• State Minimum Liability • Comp / Collision | Allstate | $126 | Willie, 41 | Nissan Sentra S |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $152 | Mildred, 51 Falls Valley, OK | Nissan Titan S |
• 50,000/100,000 Liability • Comp / Collision | AAA | $229 | Marion, 49 Cordell, OK | RAM 1500 BIG Horn/lone Star |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $157 | Carrie, 44 Seminole, OK | Chevrolet Malibu 2LT |
Last Updated Sep 16, 2024Average rates for minimum liability coverage and full coverage car insurance in Oklahoma
The numbers from Jerry’s study show that the average cost for minimum liability coverage in Oklahoma is about $1,270 per year or $106 per month. The average cost for full coverage car insurance is about $2,304 per year or $196 per month.
Keep in mind: Average insurance costs can serve as a helpful starting point for estimating your own insurance costs, but your premium could look different from the ones shown here.
This is due to the myriad factors that insurers use to determine your rates, like:
- The type of car you drive
- Where your vehicle is kept
- Your driving record
- Your demographics
Oklahoma car insurance: Additional Coverages
In addition to liability, collision, and comprehensive insurance, there are plenty of additional car insurance coverage types you can consider adding to your policy in Oklahoma:
If you’re currently paying off a car loan: Consider
gap insurance
if you don’t already have it. If your vehicle ends up totaled and your loan balance is greater than your car’s value, gap insurance can help you cover the difference.If you don’t own a car but routinely borrow someone else’s: Consider a
non-owner car insurance policy
. This will set you up with liability coverage, but it won’t protect the vehicle
you’re driving—the owner’s car insurance policy would need to cover it.How Do Different Factors Impact Your Car Insurance Costs in Oklahoma ?
How Do Different Factors Impact Your Car Insurance Costs in Oklahoma ?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Oklahoma currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Oklahoma:
How to find cheap Oklahoma car insurance if you’re a high-risk driver
Your driving history
will play a significant role in determining what you pay for your auto insurance policy. Numerous or severe violations can often leave you with a more expensive auto insurance premium.Cheapest car insurance for Oklahoma drivers with a speeding ticket
Speeding tickets
will almost always impact your insurance rates—but the severity of the violation will determine by how much. For example, a speeding ticket for 3 mph over the speed limit likely wouldn’t have the same effect as one for 25 mph over the speed limit.Here’s a look at what Jerry users have paid for insurance with varying speeding tickets on their records.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $77 | Victoria, 25 | • State Minimum Liability |
Speeding 11-15 | AAA | $256 | Mina, 34 | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Mercury | $408 | Adam, 36 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 16, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Fast response to questions, problems solved quickly
John
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Safeco has provided great service as my current carrier.
Marcus
How to find cheap Oklahoma auto insurance after a DUI
To compensate, you can gather quotes and compare rates to find the most affordable car insurance option after a DUI violation.
Tommy (37 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$268
per month
Jeff (28 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
$93
per month
Hettie (40 years old)
$181
per month
Wesley (31 years old)
$105
per month
Oklahoma SR-22 insurance
If you’ve had a serious violation on your driving record, like reckless driving or a DUI, you might be subject to an
SR-22 filing requirement
.An SR-22 certificate, which your car insurance files on your behalf, shows that you have the necessary amount of coverage required in Oklahoma.
Cheapest Oklahoma auto Insurance after an at-fault accident
Accidents—and especially at-fault accidents—can greatly affect your car insurance rate.
Insurers will look at your accident and claims history to determine your level of risk for the future.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $73 | Adam, 28 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $157 | Jorge, 43 | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | AAA | $98 | Gerald, 76 Hendrix, OK | • State Minimum Liability |
At Fault With No Injury | Nationwide | $157 | Evan, 31 | • 30,000/60,000 Liability • Comp / Collision |
At Fault With Injury | Clearcover | $197 | Jessie, 41 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 15, 2024Cheapest auto insurance after other violations in Oklahoma
From careless driving to failure to yield, there are all sorts of driving violations that will affect your car insurance rates in Oklahoma, with different offenses carrying different weights.
But with or without violations on your driving record,
shopping around for quotes
still increases the odds of finding the cheapest option for you.| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $107 | Dora, 26 | Hyundai Elantra SE | • State Minimum Liability |
Defective Equipment | AAA | $83 | Winnie, 27 | Chevrolet Monte Carlo LS | • State Minimum Liability |
Driving on Sus. License | Safeco | $62 | Leo, 33 | Toyota Echo | • State Minimum Liability |
DUI | Bristol West | $127 | Jerry, 25 | Dodge Charger R/T | • State Minimum Liability |
Failure to Obey Signal | Allstate | $127 | Steven, 35 Norman, OK | Ford Edge SE | • State Minimum Liability • Comp / Collision |
Illegal Turn | Clearcover | $133 | Barry, 35 | RAM 1500 SLT | • State Minimum Liability • Comp / Collision |
Improper Passing | Gainsco | $387 | Alberta, 32 | Toyota Camry LE | • State Minimum Liability |
Open Container | Progressive | $173 | Harold, 34 | Cadillac Escalade Luxury | • State Minimum Liability |
Seat Belt | Progressive | $68 | Georgie, 40 Welch, OK | Chevrolet Camaro LS | • State Minimum Liability |
Speeding 16-20 | Travelers | $328 | Justin, 23 Fort Sill, OK | Dodge Challenger R/T | • 50,000/100,000 Liability • Comp / Collision |
Speeding 1-5 | AAA | $116 | Sallie, 56 | Toyota Camry LE | • State Minimum Liability |
Suspension | Safeco | $70 | Minerva, 33 | Nissan Titan S | • State Minimum Liability |
Wrong Way/Wrong Lane | Mercury | $251 | Virginia, 23 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Other Minor | Allstate | $123 | Rodney, 26 | Chevrolet Impala LS | • State Minimum Liability • Comp / Collision |
Last Updated Sep 16, 2024FAQs
Is Oklahoma an at-fault state?
Oklahoma is an at-fault state
: This means that the party determined to be at fault in a collision will be financially responsible for any resulting injuries or property damage.Cheapest Oklahoma auto insurance based on insurance history
Yet another factor that affects your car insurance premium is your insurance history.
Insurers ideally want to see policyholders that have held continuous coverage. Having a past
lapse in your car insurance coverage
could deem you a higher risk and leave you with a more expensive premium.Once you have a policy in place, this means making on-time payments is of utmost importance. Luckily, Jerry can send you payment reminders to help you keep your coverage in good standing.
Lapse or no lapse in your insurance history, Jerry can still help you search for savings on your next car insurance policy.
Gene (67 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Cameron, OK$129
per month
Lottie (28 years old)
$63
per month
Ida (27 years old)
Not Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
$83
per month
Lizzie (23 years old)
$254
per month
Caleb (31 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
$184
per month
Cheapest car insurance for drivers with poor credit
In the state of Oklahoma, drivers who have poor credit will often have higher auto insurance costs than those with good credit.
Taking steps to improve your credit history can help you save on car insurance in the long run.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $73 | Mike, 28 | Toyota Tacoma Double Cab | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | AAA | $78 | Wesley, 25 | KIA Optima EX | • State Minimum Liability |
550 - 659 | Allstate | $174 | Augusta, 30 Tulsa, OK | Hyundai Elantra SEL | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Safeco | $63 | Jean, 28 | Nissan Maxima GLE | • State Minimum Liability |
Last Updated Sep 16, 2024Cheapest Oklahoma car insurance by age
In Oklahoma, young drivers and those who
have yet to earn a full license
can expect to pay the highest car insurance rates since they’re still gaining experience behind the wheel. Cheapest Oklahoma car insurance for young drivers
On average, teen drivers pay more for car insurance than any other age group.
Because they are statistically at a high risk of experiencing car accidents, which makes a full coverage policy worth considering for teen drivers—especially those driving newer or more valuable vehicles.
To save even more: Be sure to look into good student,
safe driver
, and safety course discounts offered by providers when shopping around.Victor (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$203
per month
Katharine (24 years old)
$181
per month
Katherine (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$338
per month
Clearcover
Lucille (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Mooreland, OK$110
per month
Cheapest Oklahoma car insurance for senior drivers
Due to an increased accident risk, and the risk for more severe injuries if a collision occurs, drivers tend to see their car insurance rates rise by their mid-seventies.
The table below shows what senior drivers in the Sooner State have been able to
save on car insurance
with Jerry.Irene (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$111
per month
Isabelle (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$128
per month
Harry (76 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Blanchard, OK$89
per month
Clearcover
Genevieve (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Vinita, OK
GMC Yukon XL C1500 SLT$206
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I always shared a good relationship with progressive
Jeffrey
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
I like this insurance a lot
Krista
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason
How to find car insurance discounts in Oklahoma for your motor vehicle
The type of vehicle you drive will have a notable impact on your premium. Insurers will consider your vehicle’s value, risk for theft or damage, safety, and potential repair and replacement costs to determine your rate.
Popular vehicle models in Oklahoma include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Accord LX | Progressive | $264 | Wesley, 29 | • State Minimum Liability • Comp / Collision |
| Honda Civic EX | Travelers | $137 | Jackson, 50 | • 50,000/100,000 Liability • Comp / Collision |
| RAM 1500 ST | Allstate | $150 | Hunter, 32 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 13, 2024Is it cheaper to insure a new car or a used car?
While it depends on the models in question, new cars are often more expensive to insure than older ones.
In Oklahoma, the average cost for full coverage on a car older than 10 years old is $1,400, while insuring a car less than four years old costs an average of $1,899.
Rose (46 years old)
2004 Ford F250 Super Duty
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Elgin, OK$91
per month
May (44 years old)
$78
per month
Marc (72 years old)
2000 Chevrolet Silverado C1500
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$80
per month
Julia (52 years old)
$125
per month
How to find cheap car insurance in Oklahoma in your city
Your vehicle’s primary location determines what sorts of risks it will be exposed to, and as a result, what you’ll pay for car insurance.
Insurance providers will consider your city’s population density, crime rates, accident rates, and local weather trends when calculating your premium.
Oklahoma City
residents might see different rates than Tulsa
residents. Even within the same city, you might see premiums vary from zip code to zip code.Take a look at what Oklahoma drivers pay for car insurance across the state.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Broken Arrow, OK | Landon, 18 | Progressive | $272 | Hyundai Sonata GLS | • State Minimum Liability • Comp / Collision |
| Miami, OK | Cory, 34 | AAA | $67 | Mazda CX-7 | • State Minimum Liability |
| Broken Arrow, OK | Joshua, 29 | Allstate | $107 | Toyota Tacoma Double Cab | • 50,000/100,000 Liability • Comp / Collision |
| Lawton, OK | Nellie, 27 | Safeco | $170 | Dodge Journey Crossroad | • 30,000/60,000 Liability • Comp / Collision |
| Lawton, OK | Marie, 36 | Gainsco | $298 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
| Muskogee, OK | William, 25 | Mercury | $159 | Ford Fusion S | • 50,000/100,000 Liability • Comp / Collision |
| Oklahoma City, OK | Erik, 67 | National General | $84 | Cadillac Deville | • State Minimum Liability • Comp / Collision |
| Claremore, OK | Marian, 74 | Clearcover | $129 | Volkswagen Jetta S | • State Minimum Liability • Comp / Collision |
| Oklahoma City, OK | Daisy, 26 | State Auto | $83 | Honda Civic LX | • 50,000/100,000 Liability |
| Bethany, OK | Chad, 41 | Infinity | $162 | Dodge Durango SXT | • State Minimum Liability • Comp / Collision |
| Enid, OK | Harold, 41 | Bristol West | $139 | Chevrolet Traverse LS | • State Minimum Liability • Comp / Collision |
| Wagoner, OK | Lettie, 45 | The General | $78 | Jaguar S-Type | • State Minimum Liability |
| Okmulgee, OK | Lenora, 62 | Dairyland | $82 | Chrysler PT Cruiser | • State Minimum Liability |
Last Updated Sep 16, 2024How to lower the cost of car insurance in Oklahoma
Car insurance may not be cheap, but there are plenty of ways to find savings.
Here are some
recommendations from Jerry’s team
of licensed insurance agents to reduce your Oklahoma car insurance costs:- Shop around and seek out multiple quotes.
- Bundle your car insurance with another policy, like your home or renters insurance, to qualify for a discount.
- Find out what otherinsurance discountsyour car insurance provider offers. Good student discounts, safe driver discounts, responsible payer discounts, and low mileage discounts are all common ways to save.
- Raise the deductible on your comprehensive and collision coverage (if you can afford the out-of-pocket cost).
- Build your credit score.
- Consider dropping collision and comprehensive coverage on older or low-value cars.
Learn more:
11 Ways to lower car insurance
Why is car insurance so expensive in Oklahoma?
Some factors that determine your car insurance costs aren’t in your control. Your Oklahoma car insurance may be more expensive due to:
- High population density cities
- Uninsured drivers
- Rising healthcare costs
- Rising repair costs
- Severe weather risks
FAQs
How much is car insurance in Oklahoma?
Car insurance companies in Oklahoma use myriad factors to calculate car insurance rates—such as your location, demographics, driving record, and more. For this reason, it’s a good idea to shop around for car insurance quotes to get a sense of what you should be paying for your coverage needs.
Can you get car insurance without a license in Oklahoma?
Technically, you can
buy insurance without a license
in Oklahoma, but it’s not easy. Most auto insurance companies require a driver’s license number to sell a policy, but some, especially smaller companies, have workarounds they can use for drivers with a suspended license or who don’t plan to drive.Is car insurance mandatory in Oklahoma?
Yes. All drivers are required to carry specified minimum levels of car insurance to drive legally in Oklahoma.
How does credit score affect car insurance premiums in Oklahoma?
Insurance providers have seen a correlation between low credit score and high accident rates. This makes rates for those with a low credit score higher than premiums for those with a better credit score.
What is the penalty for not having car insurance in Oklahoma?
Penalties for driving without insurance in Oklahoma can include:
- $250+ in fines
- Up to 30 days in jail
- License plate seizure
How long can you drive without insurance after buying a car in Oklahoma?
Oklahoma insurance providers allow 2 to 30 days for buyers to add a new car to their existing policy. Keep in mind, you do need to have an active policy that’s in accordance with Oklahoma’s minimum insurance requirements to drive legally at any time. This grace period simply allows you time to get the information about your new vehicle your insurer will need to add it to your policy.
How much is car insurance per month in Oklahoma?
On average, full coverage car insurance in Oklahoma costs ${dynamic} per month, or ${dynamic} annually. Minimum liability coverage costs an average of ${dynamic} per month or ${dynamic} per year.
What is the cheapest car insurance in Oklahoma?
The results from Jerry’s survey of 15,000+ car insurance policyholders show that there’s no single car insurance company that offers the cheapest rates for everyone. That’s why shoppers should compare multiple quotes from multiple providers to find the best rates available to them.
What is the lowest liability coverage in Oklahoma?
At minimum, Oklahoma drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
What are the car insurance requirements in Oklahoma?
Oklahoma law requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
While not required by law, if you take out a car loan, your lender will likely require you to carry full coverage for the life of the loan.
Do you need insurance to register a car in Oklahoma?
In Oklahoma, you’ll need to provide proof of insurance at the time of vehicle registration.
Do you have to carry proof of insurance in Oklahoma?
You’ll need to carry proof of insurance whenever you’re driving in Oklahoma. You’ll need to provide it if you’re in an accident or get pulled over by law enforcement. If you’re caught driving without insurance, you could face costly fines, a driver’s license suspension, and other costly penalties.
Does insurance follow the car or the driver in Oklahoma?
Collision and comprehensive coverage follow the vehicle on the car insurance policy. In Oklahoma, the vehicle owner’s liability coverage will also follow the car, as long as the person driving it has permission to do so.
Does Oklahoma require uninsured motorist coverage?
Oklahoma doesn’t require uninsured motorist coverage. However, adding it to your car insurance policy can provide you with extra financial protection if you’re involved in a collision and the at-fault driver is uninsured.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.