Best Cheap Car Insurance in Oklahoma for 2022

Oklahoma’s minimum insurance requirements are abbreviated as 25/50/25, which means:

• $25,000 per person and $50,000 per accident in bodily injury liability: Bodily injury liability pays for other people’s medical bills and lost wages when they’re injured in an accident where you’re legally liable. 
• $25,000 in property damage liability: Property damage liability pays for damage to other people’s property (such as their car) in an accident where you’re legally liable. 

While Oklahoma law doesn’t require you carry uninsured motorist bodily injury liability, it does require auto insurers offer it as part of every policy. This coverage can protect you if a driver without insurance or with insufficient insurance injures you in a collision.

There is also a special insurance for drivers who don’t own a vehicle. Non-owner insurance covers you if:

• You don’t have a driver’s license.
• You’re driving a vehicle you don’t own. 
• You want to maintain insurance between different vehicles you own.

It’s not illegal to drive someone else’s car, however, it can be expensive if you’re involved in a collision. Even if someone else operates your vehicle and gets into an accident, you’re still responsible for the damage to your vehicle and any other parties involved. Just because you weren’t behind the wheel doesn’t mean you aren’t liable for physical and vehicular damage. 

If someone is driving your vehicle that doesn’t own it, you either need to list them on your insurance or make sure they have non-owner coverage. 

State minimum insurance is cheap, but it may not be enough to cover you in the event of an accident. If you own a home, or other assets you could lose if someone sues you, you’ll want insurance with higher liability limits. If your car is newer, or if you have an auto loan, you’ll need to add comprehensive and collision coverage to your plan.

Many credit unions and dealerships require you have full coverage when you’re paying on a loan. This guarantees if you’re involved in an accident, the insurance company will cover the cost of the car if it’s totaled. 

If you fail to carry full coverage on a vehicle you’re making payments on, being involved in an accident can have disastrous consequences. Regardless of the final outcome of the accident, you’re still responsible for the remaining balance owed on the vehicle.

This could mean you’d still be required to make payments on a vehicle that’s not even functional. The average person doesn’t have the money to cover these costs. So, whether you’re left footing the bill for a totaled car or dealing with a repossession on your credit for failing to pay, it’s a lose-lose situation.

Think you can get away with driving uninsured in OK? It’s not a good idea. If you’re convicted, you’re looking at a $250 fine, up to 30 days in jail, and a suspended license. And that’s not all! The police officer who catches you driving without insurance can also impound your vehicle or seize your license plates. You can’t get your plates back until you prove you have insurance and pay a fee of $125.

It’s better to not drive at all than to drive without insurance. Not only are you risking legal issues, but credit problems as well. 

It’s also very easy to be sued as a result of not having insurance. If your vehicle is involved in an accident that injures another driver, you could be taken to civil court and be held liable for medical bills and other expenses. 

Trust us: It’s a lot easier just to get insurance! We’ll help you compare quotes for Oklahoma car insurance so you can pick the cheapest option. Get started now.

Teenagers are one of the most expensive groups to insure. This is primarily because they don’t have as much history behind the wheel and are more prone to being involved in an accident. Purchasing a policy that rewards safe driving with an electronic device, or a student discount, can substantially lower the monthly premium for teenagers whether they have their own policy or are being added on to a family member’s plan. 

SafeAuto offers the most affordable plan for teenage drivers in Oklahoma with monthly premiums averaging $217/mo.

Drivers under 25 continue to see above average rates, but they’re certainly more affordable than what it costs to insure a teenage driver.  

Here are 2 insurance companies offering the cheapest car insurance for drivers under 25 in Oklahoma. 

Clearcover offers rates averaging $110/mo while SafeAuto offers a substantially higher monthly premium of $183.

Married drivers normally carry lower premiums than single drivers. This is for several reasons. One, they’re historically less likely to display risky driving behavior which cuts down on their need to file insurance claims. Also, they tend to have multiple vehicles under the same policy which qualifies them for lower rates. 

These 2 auto insurance companies offer the cheapest car insurance rates for married drivers in Oklahoma. 

At Gainsco, you can get auto insurance as a married person for $51/mo. If you go with Clearcover, you’ll be paying about $20 more at $72/mo.

Single drivers can expect to pay more for auto insurance because unlike drivers who’ve walked down the aisle, they’re more likely to engage in risky driving behaviors and often don’t have multiple vehicles under their policy. 

If you’re looking for the cheapest car insurance in Oklahoma as a single driver, be sure to take a look at this list of companies. 

Safeco offers the cheapest rates starting at $70/mo. Mercury ($71/mo), Gainsco ($75/mo), Clearcover ($82/mo) and Liberty Mutual ($83/mo) offer similar rates for single drivers. Rates then jump with Bridge Net at $99/mo and Jupiter at $104/mo. SafeAuto offers the highest premiums on this list with auto insurance rates averaging $121/mo.

Gender is another factor that impacts auto insurance rates for men vs. women in Oklahoma. While men are typically known for having to pay more for auto insurance than women, Oklahoma has several companies charging less for men than women on average. 

The tables below companies the cheapest car insurance for men vs. women. 

Cheapest Companies for Men in Oklahoma

Gainsco offers the most affordable insurance for men starting at $64/mo followed by Mercury at just $65/mo. Rates then increase with Clearcover insurance charging $81/mo followed by another jump to $95/mo at Liberty Mutual and SafeAuto rounding out the list at $135/mo. 

Cheapest Companies for Women in Oklahoma

Gainsco offers the most affordable auto insurance for women as well, but rates are slightly higher starting at $71/mo. Rates then increase slightly with Mercury averaging $75/mo and Liberty Mutual at $77/mo. Clearcover ($82/mo) and SafeAuto ($113/mo) round out the list of cheapest auto insurance companies for women.

If you have a spotty record because of less than stellar driving history, your premiums could increase substantially. But, just because your rates increase, it doesn’t mean you have to settle for unaffordable premiums. Thankfully there are auto insurance companies that still offer more affordable rates regardless of having tickets or accidents. 

Cheap Car Insurance for Drivers with a Ticket on their Record

Mercury starts at $77/mo followed by Gainsco at $80/mo. You then see a larger jump with Jupiter at $101/mo and Clearcover at $102/mo. Finally, SafeAuto charges substantially higher rates at $141/mo. 

Cheap Car Insurance for Drivers with Multiple Tickets on their Record

Clearcover is the sole provider of cheaper auto insurance in Oklahoma for drivers with multiple tickets on their record. Their rates average $87/mo. 

Cheap Car Insurance for Drivers with an Accident on their Record

Having accidents on your record can really hurt insurance rates – whether you’re at fault or not. However, when you are declared at fault your rates will likely spike even higher.  

To find cheap car insurance, you should consider going with a company that rewards you for long periods of safe driving. This will give you a chance to “start over” in a sense, and be rewarded for exhibiting safer driving habits. 

Cheap Car Insurance for Drivers with an Accident on their Record

Gainsco offers the most affordable rates for drivers with an accident on their record with premiums averaging $85/mo. Jupiter comes next on the list at $96/mo followed by Clearcover at $120/mo. You then see a major jump in rates to $167/mo with SafeAuto.

Looking for state minimum coverage to ensure you can legally drive in Oklahoma? This coverage is more affordable than a full coverage option, but keep in mind it only covers another party’s vehicle if you’re involved in an accident. Your vehicle will not be covered in these cases. However, your medical expenses will be covered to a certain amount, as will the other party’s expenses. 

Mercury offers the most affordable insurance starting at $58/mo followed by Gainsco at $63/mo and Clearcover at $64/mo. Liberty Mutual offers slightly higher rates averaging $71/mo followed by a larger jump with Jupiter to $95/mo with SafeAuto rounding out the list at $96/mo.

Full coverage car insurance covers your vehicle costs and medical bills along with the other party. More coverage equals higher premiums, but it’s well worth the additional cost.. This is the best coverage to have if you are making payments on a vehicle, or if it would be expensive to replace. 

Here are 2 auto insurance companies offering cheap full coverage car insurance in Oklahoma. 

Clearcover averages a rate of $125/mo and SafeAuto averages a rate of $145/mo for full coverage auto insurance.

Price isn’t the only factor to consider when getting auto insurance as an Oklahoma driver. You also want to consider the overall experience and satisfaction of customers. 

Here are the top 9 insurance companies providing a quality experience from premiums to customer satisfaction. 

1. AAA
2. GEICO
3. Allstate
4. Travelers
5. Progressive
6. Statefarm
7. Safeco
8. Liberty Mutual
9. Farm Bureau

Did you know there are tons of different insurance discounts available in Oklahoma? Many car insurance companies provide discounts for being a longtime customer. Some offer rewards based on having safety features like anti lock brakes or a security system. 

Recently, more companies have started to provide electronic devices that monitor your habits when driving. These systems keep track of things like average speed, how hard the brakes are pressed, and other safety elements. The system provides points based on safe driving, and the company grants discounts based on the point totals. 

Those are just a couple discount programs available that could save you money.  Here are some additional common car insurance discounts to watch out for. 

• Customer Loyalty Discount: The customer loyalty discount is awarded to drivers for maintaining a continuous history with one particular company. The discount for this can be up to 10%.
• Good Driver Discount: Good driver discounts are awarded to drivers with a continuous history of driving without accidents or tickets. These discounts range from 10 – 30%. 
• Driver Education Discount: Driver education discounts are provided to drivers that complete a defensive driving course. The discount for this is between 5 – 10%. 
• Continuously Insured Discount: This is a discount provided industry wide for drivers that stick with a company for 6 months without a lapse in coverage. You receive a 5-25% discount.
• Pay in Full Discount: The pay in full discount is awarded to drivers who pay their entire premium in full. You can expect between a 2-25% discount when you do this. 
• Multiple Policy Bundling: Policy bundling is a discount reserved for drivers who purchase multiple policies on one account. This can lead to a savings of 1-12%. 
• Good Student Discount: A good student that carries a “B” average or higher can typically receive a discount between 5-20%. 
• Usage Based Discount: Usage based discounts provide between a 1- 30% discount for drivers who are willing to have their driving habits monitored electronically. 
• Safety Feature Discount: Drivers that have cars with multiple safety features can receive a discount between 2-30%. These safety features include multiple airbags, anti lock brakes, and daytime running lights. 
• Anti Theft Discount: Having a vehicle with anti theft systems can qualify for a discount between 5-25%. 

Depending on the car insurance company, some will allow these discounts to be bundled. Others only allow one discount at a time, so see what you can do to get the most bang for your buck. 

Insurance companies that provide these programs provide a great opportunity for drivers to save on their monthly premiums in an effort to secure the cheapest car insurance.

Insurance rates fluctuate from year to year, but looking at average premiums in Oklahoma over the last 5 years shows a promising trend.

Premiums started out at $120/mo in 2017 and remained consistent in 2018 at the same rate. We then saw a drop in the average monthly premium as it hit $109/mo in 2019. This trend continued in both 2020 and 2021 when rates hit $96/mo and $85/mo respectively.

The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below.

Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll also be on the hook for basic DMV fees like title, license plate, and registration no matter where you purchase your new car, truck or SUV. Securing an updated auto insurance policy will also be on your list. 

Beyond these typical fees, some buyers are responsible for additional costs such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of others.

Check out Compare.com’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Oklahoma.

What insurance is required in Oklahoma?

In Oklahoma, you are required to carry the minimum amount of liability coverage. This is $25,000 for bodily injury and $50,000 for accident coverage. 

How much is car insurance in Oklahoma?

The average price for car insurance in Oklahoma is $89 per month. However, this figure can rise and fall depending on a number of factors. Your driving record, types of vehicles on the policy, and area you live in will all influence the bottom line of your insurance policy. 

What happens if you drive without car insurance in Oklahoma?

When you are convicted of driving with no insurance, you can lose your license, be sentenced to 30 days in jail, and receive a fine of up to $250. 

Does Oklahoma require full coverage insurance?

Oklahoma doesn’t require full coverage insurance. The state mandatory minimum is the smallest liability policy, which carries $25,000 in bodily injury and $50,000 in accident coverage. However, some banks and car dealerships will require you to carry full coverage insurance if you are making payments on a car. 

Can you get car insurance without a license in Oklahoma?

Yes, it is possible to get car insurance without a license in Oklahoma. However, there is a special type of coverage you must purchase. The coverage for non-licensed drivers is known as non-owner insurance.

Methodology

All data referenced in this article comes from a combination of proprietary data — which is aggregated from millions of real customer quotes through Compare.com — and additional data gathered in collaboration with Quadrant.