Average cost of car insurance in Oklahoma

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Oklahoma, a midwestern state, handles the load of an astonishing 2.5million drivers. The Sooner State also experiences severe weather each year with heavy snow, sleet, and storms that make traffic conditions dangerous and cause accidents. There were 584 deaths in crashes in 2019, which equates to 16.2 deaths per 100,000 people.

Oklahoma requires car insurance. It is expensive. The annual minimum and full coverage are $423 and $1873, respectively. Prices for insurance vary depending on many factors such as provider, ZIP code and driving record. You can make an informed decision about the average premium cost, whether you’re a new or experienced customer of insurance.

What is the cost of Oklahoma car insurance?

Oklahoma car insurance costs $423 for minimum coverage, $1,873 to cover full coverage. The national average cost of car insurance is $565 for minimum coverage, and $1,674 to cover full coverage. However, this price is an estimate as the cost of car insurance will vary depending on where you live.

Insurance providers consider specific factors when determining the annual premium rate. This is why each person’s rates of premiums will be different. Car insurance premiums are determined by factors such as your exact location, ZIP code and driving record, as well as your marital status, age, and the climate in your area. Prices vary greatly depending on what coverage you select and the endorsements that you choose. Your cost may be higher or lower than what is available for your area, depending on whether it is in a state or city.

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Oklahoma auto insurance rates by company

Although most major car insurers are based in Oklahoma, the prices can vary. It is important to compare the prices and coverage options of multiple insurance companies in order to find the lowest car insurance in Oklahoma. Below is a table that shows the costs of Oklahoma minimum and full coverage from different insurers.

Oklahoma auto insurance rates per city

Your ZIP code can have a significant impact on the cost of your car insurance. The annual premium rate is determined by factors such as population density, traffic volume, and climate. Below is a table showing the average cost for car insurance in Oklahoma’s 20 largest cities.

Oklahoma car insurance rates based on age

Depending on your age, car insurance costs can be higher or lower. Below is a table that shows Oklahoma’s insurance costs for older and younger drivers.

Oklahoma car insurance rates based on driving record

When determining your annual cost, the provider will consider your driving record. If you have a clean record, the chances of receiving a lower price are higher. If you have any incidents on your driving record, your annual premiums will rise. Below is a table that shows the percentage of premium increases after traffic violations in Oklahoma.

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How to Save on Oklahoma Car Insurance

It is possible to save money even if you don’t have car insurance. These include:

  • Keep your driving record clean: Drivers who have had no accidents on their records are considered low-risk.
  • Take advantage of available discounts: All insurance companies offer some discounts. If you are eligible, this can reduce your insurance costs by a few hundred bucks a year.
  • You should choose an affordable provider. Not all companies have the same pricing, even for the same coverage. However, comparing quotes can help to find the best price.
  • You can save money by paying upfront: Insurers offer discounts if you pay your annual premium fully at the beginning of the policy.

Questions frequently asked

Which Oklahoma car insurance company is best?

There are many insurance companies in Oklahoma. However, not all insurance companies offer the best auto insurance. It is recommended to compare coverage options and quotes from different providers in order to determine what works best for you.

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What insurance should I have in Oklahoma?

Oklahoma requires car insurance. Minimum coverage in Oklahoma includes $25,000 bodily injury liability coverage and $50,000 per accident coverage. Property damage coverage is $25,000.

What are the consequences of driving without insurance in Oklahoma?

Driving without insurance coverage in Oklahoma can result in license suspension, up 30 days in jail, and $250 in fines.