About 2.5 Million licensed drivers reside in Oklahoma. Oklahoma has an average cost of car insurance at $423 per year for minimum coverage and $1,873 for full coverage. This is lower than the average national cost of car insurance which averages $565 annually for minimum coverage and $1,674 per year for full coverage.
It is less expensive than the average price of car insurance in the U.S. but it is still the third most dangerous state for car insurance in the U.S. because of Oklahoma’s many hazards such as tornadoes and floods.
There are so many dangers on the roads, it is crucial that drivers have the right coverage at a fair price. Our methodological research compares coverage options and prices to find the best Oklahoma car insurance.
Oklahoma’s cheapest car insurance
The average cost for car insurance is $390 per year for minimum coverage and $1,878 for full coverage. This is almost $200 lower than the national average cost for car insurance. A minimum coverage policy costs $563 annually, and a full-coverage policy averages at $1,738 per year.
You can save even more on your Oklahoma car insurance by using our recommendations for the best deals.
Geico
Geico offers easy online quotes and is one of the largest auto insurance providers. A top-rated mobile app is available to policyholders. They can also get 24/7 customer service and support in person at three Oklahoma cities, Lawton, Oklahoma City, and Tulsa. You can also get emergency roadside assistance, rental car insurance and the possibility to receive additional discounts when you bundle with Geico policies like motorcycle insurance, boat insurance and RV insurance. Geico also offers many discounts. You can use the search engine to locate special discounts based upon your military, federal, medical, or professional affiliation.
USAA
USAA gives you a 10% discount when your renters or homeowners insurance is combined with USAA . You can also get discounts based on how you drive and your car. There are also savings for members like loyalty and family discounts. USAA provides all of the basic coverage for car insurance, as well as the option to add personal injury protection (PIP) and emergency roadside assistance. To enjoy USAA’s low rates, award-winning customer service and affordable rates, you must be active duty military, a veteran, or a member of your family.
State Farm
State Farm offers many ways to save on your car insurance. These include Drive Safe & Save as well as Steer Clear. This makes it one of the most affordable car insurance companies in Oklahoma. State Farm offers up to 25% discount on auto insurance premiums for college students and teens. You also have the option of extended coverage, like rideshare insurance and rental car coverage. You can also get one-to-one support from local agents or a mobile app to help you manage your policy.
Farmers
Farmers Insurance provides specialized coverage. Although it doesn’t offer gap coverage, there are many additional protections such as personal injury protection (PIP), loss-of-use, accident forgiveness, new vehicle replacement coverage, and its Guaranteed Valu(tm) program. You can save up 30% on your premium by using safe driving habits when you download the signal app.
Mercury General
Mercury, a smaller provider of insurance, only serves a few states including Oklahoma. You can save a lot on Mercury car insurance by using its RealDrive(r), to track your driving habits. Mercury offers discounts for policyholders, including payment and bundle discounts. You can also get an auto pay discount and a pay in full discount. You can choose from PIP, rental car coverage and optional roadside assistance. Also, you get ride-hailing coverage starting at $1 per day.
Oklahoma drivers can get affordable coverage
Oklahoma drivers must have a minimum of auto insurance to legally drive a car in the state.
This includes the minimum coverage:
- Coverage for bodily injury liability per person: $25,000
- Bodily injury coverage per accident: $50,000
- Property damage coverage: $25,000
Drivers have the right to refuse the following coverage for car insurance in writing.
- Coverage for bodily injuries to uninsured motorists: $25,000 per person
- Accident coverage for bodily injuries to uninsured motorists: $50,000
It is recommended that drivers have sufficient coverage to protect their vehicle, belongings, and anyone else involved in an accident.
How to Get Cheap Oklahoma Car Insurance
These tips will help you find affordable Oklahoma car insurance before you buy your next policy.
- Compare rates: The rate factor which affects the cost of car insurance is where you live. The cheapest car insurance in Tulsa might be different from the one in other parts.
- Compare insurance companies: Each company has its own policy offerings and pricing. They also have different areas that they serve. Compare quotes from different companies to determine which one is the most suitable for your needs.
- You can take advantage of discounts. There are many ways you can save money on your car insurance policy. This is especially true if you combine your auto insurance policy and a policy from one the best Oklahoma home insurance companies. Other discounts such as vehicle safety discounts, safe driving discounts and discounts for low miles are available in addition to bundle discounts.
- Credit score is a key factor in determining the cost of car insurance. Insurance companies might view you as less risk if you have good credit scores. This is because you are more likely than others to pay your bills on time.
- You can also increase your deductible to save money on car insurance. Although it can reduce the monthly premium you pay, you’ll have to pay more upfront if you lose your policy.
Questions frequently asked
Which insurance policy is best for Oklahoma car owners?
One driver might have the cheapest Oklahoma car insurance, but it may not be for another. Pricing is determined by unique factors such as your driving record and the vehicle you drive.
What is the average cost for car insurance in the United States?
The average cost of US car insurance in the United States is $565 for minimum coverage and $1674 for full coverage.
Oklahoma requires car insurance
Oklahoma drivers must have a minimum amount of car insurance. This includes bodily injury coverage up to $25,000 per person, $50,000 per accident, and $25,000.
