Finding car insurance in Oklahoma after a DUI

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Based on Bankrate.com’s review and quotations of annual premiums from Quadrant Info Services, an DUI/DWI in Oklahoma raised average full coverage premiums about 50%. Based on data available, this is significantly less than the national average rise of 99%. But, this is not a guarantee. A DUI conviction can lead to drivers paying more or less, depending on the driving record and traffic violations. You will pay more if this is your second DUI conviction.

Drivers who have been convicted of a DUI offense will need to shop around for the best rates. Many insurance companies don’t raise rates for high risk drivers as often as other customers. Drivers should get quotes before a policy expires if they are unable to renew an existing policy after a DUI conviction.

Oklahoma DUI laws

Oklahoma DUI laws state that driving with a blood alcohol content of 0.08% or more is illegal. If your BAC is below 0.08%, you can still get a Oklahoma DUI. However, it’s possible to have an Oklahoma DUI even if you are clearly under the influence of alcohol.

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Oklahoma DUI penalties can vary depending on your driving record and whether you were convicted of DUI. Below is a chart that shows the possible penalties depending on whether this is your first, second, or third DUI conviction.

Because drunk driving is still one of America’s leading causes of death, the penalties are so severe. Drinking and driving are the leading cause of traffic-related deaths in America, accounting for more than 30%. This leads to approximately 10,000 deaths each year. According to the Center for Disease Control’s most recent report, approximately 1.8% of Oklahoma drivers are able to drive after having consumed too much alcohol.

What a DUI can do to your Oklahoma car insurance

Based on the quoted premiums, the cost of a DUI in Oklahoma is approximately 50% higher for full coverage premiums. Oklahoma’s average cost of full coverage auto insurance is $1,873 per year in 2021. If you add a DUI conviction, it jumps to $2.809.

Although Oklahoma is slightly more expensive than the national average based on pre-DUI rates it is still significantly less than post-DUI rates. Pre-DUI, the national average for car insurance is $1,674, but post-DUI, it is $3,336 — a nearly 100% increase.

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Drivers may see a rise in car insurance premiums following a DUI. However, the implications for insurance can be more than a rate increase. Insurance companies may decide that a driver’s driving record is too dangerous to insure, and they will cancel the policy. Typically, the policyholder is notified within 30 days. An insurer might deny a policy renewal even if the car insurance company doesn’t cancel it. No matter what the outcome of a DUI case is for one provider, Oklahoma drivers should be aware that it can have serious consequences on their car insurance.

After a DUI, Oklahoma: Finding car insurance

Drivers who are convicted of a DUI in Oklahoma may see their premiums rise significantly. It is worth shopping around to find the best rates. Knowing what options you have in the event of policy cancellation or non-renewal and which providers offer the lowest rates may prove useful for financial planning. National carriers might be able offer the lowest rates for DUI because of their market share. This can change depending on the circumstances of the driver.

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According to our analysis of 2021 annual premiums, Quadrant Information Services and Progressive were the top providers in Oklahoma. They also offered the lowest rates for DUI-convicted drivers. These rates are useful as a comparison but each driver will receive a quote that is specific to their individual circumstances.

To get a lower rate, drivers should consider any discounts they have with their current provider when considering switching car insurers. Loyalty discounts can be more valuable than switching providers or a new policy. Talk to your current provider to compare savings options with any new policy.

These are some ways that you can save money on your car insurance

  • Compare discounts — Different companies offer different levels of discounts. You may not get the same discounts from your current provider.
  • Your deductible should be increased — A high deductible not only will reduce the amount you receive after you file a claim but also will decrease the amount you pay for your policy. A higher deductible could result in greater savings depending on what coverage you select.
  • Your credit score should be improved — Low credit scores are statistically less likely to file a claim. Insurance companies might charge more for drivers with less favorable credit histories because of this. You may receive lower rates if you improve credit scores.
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Questions frequently asked

What will a DUI in Oklahoma do to my criminal record?

A DUI in Oklahoma can stay on your record up to ten years. Drivers may be sentenced to jail, as well as having their license suspended.

What is an ignition interlock?

An IID (inhaler indicator) is a device that detects alcohol in the breath and prevents the car from starting.

Is Oklahoma required to have SR-22 insurance

Oklahoma doesn’t require SR-22 forms to be filed for DUI convictions. If you were convicted of DUI in another state, you must continue to file an SR-22 even if you are living in Oklahoma.

What are high-risk drivers?

Anyone who is likely to file an insurance claim in the near future is considered a high-risk driver. Drivers who have had multiple accidents, been convicted of DUIs, or are a teenager make them risky. If your situation requires you to find a new provider, there are some car insurance companies that specialize in high-risk drivers.