Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Oklahoma City, Oklahoma.

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Updated on Nov 21, 2024

Jasmine Kanter

Expert Insurance Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Maria Cruz, Expert Insurance Writer & Editor

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance in Oklahoma City
Best car insurance companies in Oklahoma City
Best cheap auto insurance quotes in Oklahoma City
Average cost of car insurance in Oklahoma City
Car insurance quotes in Oklahoma City by rating factors
How do different factors impact your car insurance costs in Oklahoma City?
Cheap car insurance quotes in Oklahoma City after driving violations
Cheap car insurance quotes in Oklahoma City by age
Cheap car insurance quotes in Oklahoma City based on insurance history
Cheap car insurance quotes in Oklahoma City for popular cars
How to lower car insurance costs in Oklahoma City
FAQ
Methodology
Sources
Meet our experts

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How to find the cheapest car insurance in Oklahoma City

Almost 700,000 people call the “The Big Friendly” home, and it’s a vital stop on the I-35 and I-40 travel corridors to Wichita and Kansas City in the north and Texas and New Mexico in the south. Oklahoma City wears its cowboy beginnings on its sleeve; it maintains an international reputation for trading livestock and for being the “Horse Show Capital of the World.”

Thanks to its popularity and position in the infamous “Tornado Alley,” Oklahoma City

car insurance

is competitive with the national average rate but higher than the state average. It costs an average of $75 per month ($905 per year) for minimum coverage and $163 per month ($1,956 per year) for full coverage.

Jerry

can help you find the best rates in Oklahoma City by comparing car insurance quotes from top providers. It’s user-friendly, only takes 45 seconds to sign up, and the quotes are free.

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$327	Fanny, 24 Zip: 73130	Dodge Charger GT	• State Minimum Liability • Comp / Collision
Safeco	$133	Landon, 63 Zip: 73120	Chevrolet Cruze LT	• State Minimum Liability • Comp / Collision
Allstate	$147	Johnny, 27 Zip: 73170	Chevrolet Silverado C1500	• 100,000/300,000 Liability • Comp / Collision
AAA	$116	Adrian, 57 Zip: 73107	Toyota Camry LE	• State Minimum Liability
State Auto	$83	Callie, 26 Zip: 73111	Honda Civic LX	• 50,000/100,000 Liability

Last Updated Nov 20, 2024

Compare car insurance quotes now

Best car insurance companies in Oklahoma City

Every company has different strengths and weaknesses; the best fit for you depends on your priorities.

Oklahoma drivers who valued overall excellence voted

AAA

the top provider, while those who preferred top-notch customer service gave the highest score to

Allstate

. Drivers who like a smooth claims experience preferred

Progressive

As for the most affordable auto insurance rates, you can see some of the most affordable providers below:

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost	Jerry user rating
Plymouth Rock	$52	$152	4.1
Clearcover	$56	$104	4.7
Progressive	$59	$164	4.2
Mercury	$59	$130	4.3
Allstate	$72	$181	4.1
Safeco	$73	$188	4.4

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.

Best cheap auto insurance quotes in Oklahoma City

The state of Oklahoma sets the minimum car insurance every driver must carry to legally drive, as well as the applicable coverage limits. The state minimum coverage might be the least expensive option, but it doesn’t provide a lot of financial protection.

Jerry’s insurance experts generally recommend purchasing a full coverage car insurance policy and at least 100/300/100 of liability insurance coverage.

Cheap minimum liability insurance quotes in Oklahoma City

Oklahoma’s minimum car insurance requirements

only mandate one type of coverage:

liability insurance

. Liability insurance pays the medical expenses of anyone you harm (and/or the repair or replacement bills of any property you damage) after a car accident caused by your negligence.

The minimum limits for liability coverage follow the 25/50/25 rule:

$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 accident1

Oklahoma City drivers pay an average of $75/month ($905/year) for minimum coverage and $163/month ($1,956/year) for a full coverage policy. For comparison, the Oklahoma state average is between $60 and $137/month.

KEEP IN MIND: These rates may drop in the future. So far, the state’s Uninsured Vehicle Enforcement Diversion program has successfully enrolled 100,000 uninsured drivers.2 Fewer uninsured drivers on the roads may eventually lead to lower insurance costs, but there remains a lot of work to be done.

Progressive

Mabel (68 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73102)

Honda Civic GX

$90

per month

AAA

Adrian (57 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73107)

Toyota Camry LE

$116

per month

Travelers

Mason (29 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73107)

Hyundai Accent SE

$159

per month

Allstate

Owen (41 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73107)

Nissan Sentra S

$126

per month

National General

Michael (23 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73118)

Chevrolet Cruze LS

$129

per month

Do you need more than minimum coverage in Oklahoma City?

Jerry recommends that Oklahoma City drivers carry more than the minimum insurance coverage required. Raising your coverage limits and purchasing additional coverage options both play a part in protecting your finances.

Consider this: the average cost of an evident car accident injury is $40,000.3 Most new cars carry a price tag higher than $25,000. A car accident involving a serious injury—or a total loss vehicle—could leave you with thousands of dollars of out-of-pocket costs.

Oklahoma’s uninsured driver statistics also make a strong case for carrying

uninsured motorist coverage (UM)

. About 13% of motorists in the state don’t carry insurance, which means they don’t have a guaranteed means of paying for any damages they cause in an at-fault car accident.4

The bottom line: Liability insurance with 50/100/50 coverage limits (or 100/300/100) and UM coverage provide a sensible amount of financial protection in Oklahoma.

Josh Damico

VP Insurance Operations, 18+ Years Experience in Insurance

A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheapest full coverage car insurance quotes in Oklahoma City

Full coverage car insurance

is the only way to protect yourself from costs associated with repairing or replacing your car. Full coverage includes comprehensive and collision coverage.

Collision coverage

covers the cost of fixing or replacing your car after an accident.

Comprehensive coverage

pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.

Depending on your dealership or bank, you may also have to carry collision, comprehensive, and gap insurance.5 The minimum limits depend on the company; check your contract carefully for any details.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$327	Fanny, 24 Zip: 73130	Dodge Charger GT
• 100,000/300,000 Liability • Comp / Collision	Allstate	$147	Johnny, 27 Zip: 73170	Chevrolet Silverado C1500
• State Minimum Liability • Comp / Collision	AAA	$159	Harry, 37 Zip: 73165	RAM 1500 ST
• 100,000/300,000 Liability • Comp / Collision	Travelers	$122	Barbara, 30 Zip: 73170	Chrysler Pacifica Touring L
• State Minimum Liability • Comp / Collision	Gainsco	$130	Dora, 23 Zip: 73107	Mazda MX-5 Miata

Last Updated Nov 20, 2024

"Jerry and their team helped me get my Progressive quote easy and stress-free! Switching to Progressive has been by far the best decision I’ve made yet, they save me money and time and have amazing benefits the longer you are with them. I am a satisfied customer!"

Isaac

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Oklahoma City

The average cost of car insurance in OKC is $75 per month ($905 per year) for minimum coverage and $163 per month ($1,956 per year) for full coverage. The state of Oklahoma averages an annual cost of $720 to $1,649. The national average, on the other hand, is a little higher at costs between $927 and $1,984 per year.

So why is car insurance so expensive in Oklahoma City? There are a few reasons, including:

High numbers of uninsured motorists: Oklahoma is locked in a vicious cycle when it comes to uninsured drivers and insurance costs. The higher insurance rates go, the more drivers can’t afford coverage, but higher numbers of uninsured drivers also mean higher premiums. Over 13% of the drivers in Oklahoma are uninsured.6

High winds: Oklahoma City is in the middle of “Tornado Alley,” a belt of high tornado activity running north-south in the middle of the country. The city experiences a high number of damaging storms, floods, fires, and tornadoes, as well as high winds that tear down debris.7

Motor vehicle crash fatalities: The number of motor vehicle deaths per 100,000 residents in Oklahoma is 48% higher than the national average.8 More risk always leads to higher insurance premiums.

Motor vehicle theft rates: The number of motor vehicle thefts in Oklahoma has dropped since 2021, but it remains above the US average. The Oklahoma City Police Department reported nearly 3,000 stolen vehicles in 2022.9

Traffic congestion: Oklahoma City is the 616th most congested city worldwide; drivers lose 14 hours to congestion each day.10 Compared to a quieter place, like nearby

Tulsa

, you’re at a higher risk of getting into a fender bender or other collision if you drive in OKC.

Average cost of car insurance in Oklahoma City by ZIP code

Whether it’s due to higher car accident rates, vehicle theft rates, or incidences of crime and vandalism, some addresses incur higher insurance premiums than others. To illustrate the difference, Jerry has gathered the three cheapest and three most expensive ZIP codes in Oklahoma City in the table below:

ZIP code	Monthly minimum coverage cost
73129	$54
73151	$63
73145	$65
73169	$114
73117	$121
73150	$194

Compare car insurance costs in other states

Texas car insurance

Kansas car insurance

Arkansas car insurance

Missouri car insurance

Louisiana car insurance

New Mexico car insurance

Nebraska car insurance

Mississippi car insurance

Car insurance quotes in Oklahoma City by rating factors

Insurance companies in Oklahoma City use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets than if you maintain a clean driving record.

Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.

The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.

Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.

How you use your car: Insurance companies charge more affordable rates if you only drive for leisure rather than frequently commuting.

How do different factors impact your car insurance costs in Oklahoma City?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.

Prohibited (or effectively prohibited): Oklahoma currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Oklahoma City:

Cheap car insurance quotes in Oklahoma City after driving violations

Your

Oklahoma driving history

impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Cheapest car insurance in Oklahoma City after speeding ticket

In Oklahoma, a speeding ticket could increase your car insurance rate by about 25%. The good news is that Jerry has helped drivers with varying speeding tickets save on car insurance.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$214	Patrick, 30 Zip: 73110	Subaru Outback 2.5I Limited	• State Minimum Liability • Comp / Collision
Speeding 11-15	AAA	$256	Lucas, 34 Zip: 73132	RAM 1500 ST	• State Minimum Liability • Comp / Collision
Speeding 16-20	Mercury	$265	Leo, 36 Zip: 73114	Honda Civic EX	• State Minimum Liability • Comp / Collision
Speeding 21+	Gainsco	$105	Louise, 34 Zip: 73142	Buick Lucerne CX	• State Minimum Liability

Last Updated Nov 18, 2024

Cheapest car insurance in Oklahoma City after DUI

In Oklahoma City, a

DUI violation

can increase your insurance rate by an average of 55%. You may need to compare several quotes to find the cheapest car insurance companies after a DUI.

Jerry has helped many Oklahoma City drivers obtain affordable auto insurance rates after a DUI.

Progressive

Isabel (55 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73120)

RAM 1500 Rebel

$203

per month

Mercury

Cameron (31 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73132)

Jeep Patriot Sport

$105

per month

Bristol West

Victor (40 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73179)

GMC Yukon XL K1500

$181

per month

Clearcover

Loretta (26 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73122)

Mitsubishi Outlander Sport ES

$127

per month

Cheapest car insurance in Oklahoma City after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history. Oklahoma City drivers with a recent at-fault car accident pay an average of $1,776 per year.

Oklahoma is an at-fault state. If you were involved in an at-fault accident in the recent past, your liability car insurance rates could skyrocket. Jerry has helped many Oklahoma City drivers save on car insurance after accidents.

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$338	Lottie, 24 Zip: 73112	Toyota Camry LE	• State Minimum Liability • Comp / Collision
At Fault With No Injury	AAA	$195	Corey, 30 Zip: 73110	Subaru Outback 2.5I Limited	• State Minimum Liability • Comp / Collision
Not At Fault	Allstate	$180	Travis, 27 Zip: 73119	Nissan Rogue S	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Travelers	$248	Sean, 34 Zip: 73119	Chevrolet Camaro LT	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 20, 2024

Cheapest car insurance in Oklahoma City after other driving violations

In addition to speeding tickets and DUIs, other violations such as

reckless driving

and driving on a suspended license can also cause your car insurance costs to increase in Oklahoma City.

Here are the cheapest options Jerry found for other OKC drivers with various driving violations:

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$205	Victor, 31 Zip: 73139	Jeep Cherokee Sport	• State Minimum Liability • Comp / Collision
Defective Equipment	Progressive	$113	Florence, 24 Zip: 73112	Toyota Camry	• State Minimum Liability
Failure to Obey Signal	Safeco	$223	Caroline, 24 Zip: 73112	Toyota Camry LE	• State Minimum Liability • Comp / Collision
Wrong Way/Wrong Lane	AAA	$344	Kenneth, 23 Zip: 73114	Nissan Sentra S	• State Minimum Liability • Comp / Collision
Careless Driving	Allstate	$212	Mitchell, 23 Zip: 73120	Mercedes-Benz C 300 4matic	• 50,000/100,000 Liability • Comp / Collision
Driving on Sus. License	Bristol West	$406	Beatrice, 27 Zip: 73132	Toyota Corolla LE	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Gainsco	$179	Myrtle, 36 Zip: 73107	Honda Civic EX	• State Minimum Liability • Comp / Collision
Improper Passing	AAA	$188	Bernard, 41 Zip: 73135	Chevrolet Malibu LT	• State Minimum Liability • Comp / Collision

Last Updated Nov 20, 2024

Cheap car insurance quotes in Oklahoma City by age

Young drivers pay very high insurance rates due to limited driving experience. Rates usually drop around the age of 25 before rising again around age 75.11

Cheapest car insurance in Oklahoma City for young drivers

Teens aged 16-19 represent the age group with the highest chance of getting into a car accident. They’re more likely to speed, forget their seat belts, or drive under the influence due to inexperience.12 According to some data, new drivers under the age of 25 pay almost three times as much for insurance coverage as a 55-year-old motorist.13

For teens with a newer car, full coverage insurance is the way to go—it’ll fix any dings or dents even if they were caused by driver error. Staying on a parent’s policy is another way to keep

teen car insurance

rates low.

Take a look at some of the quotes young motorists have found with Jerry.

Progressive

Fanny (24 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73130)

Dodge Charger GT

$327

per month

Safeco

Adrian (24 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73129)

KIA Optima LX

$231

per month

Allstate

Albert (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Oklahoma City, OK
(Zip Code: 73120)

Mercedes-Benz C 300 4matic

$212

per month

AAA

Leon (23 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73103)

Honda Civic LX

$177

per month

Gainsco

Ronnie (23 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73107)

Mazda MX-5 Miata

$130

per month

Cheapest car insurance in Oklahoma City for senior drivers

Car insurance rates start to rise once you get into your mid-70s.

Car insurance rates for seniors

tend to be higher due to several reasons—the main one being that old drivers are more susceptible to being involved in accidents and more prone to severe injuries in the event of a collision. This leads to significant medical expenses and increased costs for insurance providers.

Take a look at some of the quotes senior drivers found with Jerry.

Progressive

Mabel (68 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73102)

Honda Civic GX

$90

per month

Allstate

Susie (68 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73162)

Honda Accord LX

$72

per month

AAA

Shane (70 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73112)

Jeep Grand Cherokee Laredo

$72

per month

National General

Olive (77 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73117)

Infiniti Q50

$89

per month

Gainsco

Ralph (74 years old)

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73121)

Ford Expedition XLT

$114

per month

Cheap car insurance quotes in Oklahoma City based on insurance history

An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in your insurance coverage usually leads to an increase in car insurance rates.14

To help customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders for upcoming and overdue payments. By providing free quotes, we’ve helped many customers without insurance or with an insurance lapse save on a new auto insurance policy.

Progressive

Kevin (29 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Oklahoma City, OK
(Zip Code: 73110)

Ford Explorer XLT

$171

per month

Safeco

Roxie (31 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Oklahoma City, OK
(Zip Code: 73106)

Hyundai Santa FE Limited

$159

per month

Travelers

Barbara (31 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Oklahoma City, OK
(Zip Code: 73106)

Hyundai Santa FE Limited

$149

per month

AAA

Nina (56 years old)

Currently Insured

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73107)

Toyota Camry LE

$116

per month

Clearcover

Luella (35 years old)

Currently Insured

Coverage

State Minimum

Oklahoma City, OK
(Zip Code: 73108)

RAM 1500 SLT

$133

per month

Finding cheap car insurance in Oklahoma City: hear from real drivers

Was definitely a good idea to switch to Clearcover, prices on premiums are much more affordable. The app is very easy to access and phone operators are very knowledgeable and friendly. I would suggest this insurance company to a friend.

Austin-1

Quick and easy process!

Joshua-1

I was shopping everywhere and my State Farm agent got me the best price I could find. Even when there was a bit of a mix-up with my VIN number it was fixed swiftly.

Andre

Cheap car insurance quotes in Oklahoma City for drivers with poor credit

About 66% of Americans aren’t aware their credit scores are used to set their insurance rates, which is bad news because drivers with poor credit scores are considered more likely to file claims.

For instance, drivers with good credit (710-740) pay 49% more for car insurance than drivers with excellent credit (823+). Drivers with bad credit (524-577) pay 44% more than the first group and 115% more than the second.

Unfortunately, Oklahoma hasn’t yet joined California, Hawaii, and Massachusetts in prohibiting car insurance companies from using credit scores to set rates.15 Until it does, you can use Jerry to find savings in every credit ratings bracket.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$92	Adam, 28 Zip: 73162	Toyota RAV4 XLE	• State Minimum Liability • Comp / Collision
660 - 750	Allstate	$110	Isabella, 23 Zip: 73159	Jeep Renegade Trailhawk	• 50,000/100,000 Liability • Comp / Collision
660 - 750	Safeco	$133	Myra, 62 Zip: 73120	Chevrolet Cruze LT	• State Minimum Liability • Comp / Collision
550 - 659	AAA	$85	Luella, 42 Zip: 73132	Ford Escape XLS	• State Minimum Liability
< 550	Gainsco	$95	Betty, 43 Zip: 73170	Hyundai Elantra GLS	• State Minimum Liability

Last Updated Nov 18, 2024

Cheap car insurance quotes in Oklahoma City for popular cars

The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.

Popular car models in Oklahoma City include:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Accord SE	Progressive	$97	Ann, 39 Zip: 73142	• State Minimum Liability • Comp / Collision
Honda Civic LX	AAA	$235	Jesse, 32 Zip: 73110	• State Minimum Liability • Comp / Collision
RAM 1500 BIG Horn/lone Star	Travelers	$124	Clarence, 28 Zip: 73170	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 16, 2024

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Oklahoma City

1. Shop around and compare quotes

Comparison shopping between at least three auto insurance providers is the best way to make sure you’ve got the most competitive rate. If you want to save even more money, going

car insurance shopping

at least once every six months lets you stay on top of the ever-changing insurance rates in OKC.

No need to get out the spreadsheets—the

Jerry

app’s PriceProtect™ function automatically collects and compares quotes from over 55 providers for you.

It costs nothing, and it takes less than a few minutes every year to check if your insurance needs are being met at the best price possible.

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers a set of

car insurance discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts: Safe driving leads to insurance discounts if you can keep any points or at-fault accidents off your driving record for at least three years.

Bundling discounts: Homeowners could save up to 25% with the right home and auto insurance bundle!

Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

3. Increase your deductible for comprehensive and collision coverage

If you have a full-coverage auto insurance policy and you don’t want to lose it, consider increasing your deductible instead. Committing to higher out-of-pocket costs after an accident could help lower your monthly premiums.

Just be sure to increase to a reasonable limit that you can afford.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Oklahoma City?

Oklahoma City car insurance costs an average of $75 per month or $905 per year for minimum coverage. For full coverage, the average rates go up to $163 per month or $1,956 per year. Your exact insurance costs will depend on factors like your driving record and insurance history, as well as whether you use a trustworthy quote comparison tool to find the lowest rate.

What is the cheapest car insurance in Oklahoma City?

The cheapest car insurance in Oklahoma City is state minimum coverage, which costs about $75/mo ($905/year). The cheapest auto insurance company, however, depends on your driving record, location, and more. Comparing quotes will help you find the cheapest rates for your driver profile.

What is the minimum car insurance in Oklahoma City, Oklahoma?

By law, every Oklahoma car insurance policy must provide at least $25,000 of bodily injury liability coverage per person (to a maximum of $50,000 per accident) and $25,000 of property damage liability coverage per accident.

What is the best car insurance in Oklahoma City?

Depending on your priorities, the best car insurance company in Oklahoma City will vary. In Jerry’s national insurance survey, Oklahoma drivers voted

AAA

the most affordable provider,

Allstate

the company with the best customer service, and

Progressive

the insurer with the most satisfying claims process.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.

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.

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.

Sources

https://www.oid.ok.gov/auto-insurance-common-myths/

https://okcfox.com/news/local/amanda-couch-uninsured-vehicle-enforcement-diversion-program-drivers-insurance-roadways-fines-courts-rekor-systems-rates-oklahoma

https://injuryfacts.nsc.org/all-injuries/costs/guide-to-calculating-costs/data-details/

https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

https://www.insurancebusinessmag.com/us/guides/insurance-for-leased-car-vs--owned-car-whats-the-difference-458114.aspx

https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

https://www.city-data.com/city/Oklahoma-City-Oklahoma.html

https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/crime-trend

https://inrix.com/scorecard-city-2022/?city=Oklahoma%20City%20OK&index=616

https://www.iii.org/article/what-determines-price-my-auto-insurance-policy

https://www.iii.org/article/background-on-teen-drivers

https://www.insurancebusinessmag.com/us/guides/a-guide-to-cheap-car-insurance-for-new-drivers-459484.aspx

https://www.iii.org/article/what-if-i-cant-find-auto-coverage

https://consumerfed.org/wp-content/uploads/2023/07/Official-CFA-Credit-Score_2023-FINAL-REPORT.pdf

Meet our experts

Jasmine Kanter

Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.

Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.

Maria Cruz

Expert Insurance Writer & Editor

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

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.

*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.