Find the Best Car Insurance Quotes and Options in Oklahoma
The average cost of car insurance in Oklahoma is $1,496 per year. That makes car insurance costs in Oklahoma higher than the national average of $1,311 per year. However, everyone’s car insurance rates will be different, based on where they live and their personal characteristics.
No matter where you live, it’s usually important to purchase not just the cheapest coverage but the right coverage for your needs, so if you have to file a claim, your policy will cover it. While this can cost more, it can make a huge difference when you need it most.
An independent insurance agent can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Oklahoma.
Best Car Insurance Companies in Oklahoma
There are several insurance companies in Oklahoma from whom you can purchase car insurance. Which is the best one for you? We’ve selected some of the best car insurance companies in Oklahoma to help you get started. Perhaps one of these top carriers will be the best for your needs.
- Best Oklahoma car insurance company overall: USAA
- Best Oklahoma car insurance company for minimum liability: USAA
- Best Oklahoma car insurance company for full coverage: USAA
- Best Oklahoma car insurance company for young drivers: USAA
- Best Oklahoma car insurance company for accident history: USAA
An independent insurance agent in Oklahoma can help you determine if any of these companies have the right car insurance policy for your needs and budget.
Best Oklahoma Car Insurance Company Overall: USAA
Our pick for the best overall car insurance company in Oklahoma is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors.
USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services.
USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an A++ rating from AM Best, the highest available.
Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage.
| Average Monthly Insurance Cost: Car Insurance Policy | Average Annual Insurance Cost: Car Insurance Policy |
| $103.83 | $1,246 |
Best Oklahoma Car Insurance Company for Minimum Liability: USAA
If you’re looking for minimum liability coverage, USAA. is again a top choice for Oklahoma residents. The carrier allows customers to get bare minimum auto insurance at around $292 per year.
Highly affordable coverage combined with high customer satisfaction ratings makes USAA an easy choice for eligible members.
| Average Monthly Insurance Cost: Minimum Liability | Average Annual Insurance Cost: Minimum Liability |
| $24.33 | $292 |
Best Oklahoma Car Insurance Company for Full Coverage: USAA
The best car insurance company in Oklahoma for full coverage is USAA. This insurance company offers full coverage policies with premiums around $104 per month.
USAA ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Policy |
| $103.83 | $1,246 |
Best Oklahoma Car Insurance Company for Young Drivers: USAA
Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, USAA. is one of the best insurance companies for teen drivers in Oklahoma.
Car insurance for young drivers in Oklahoma can cost around $301 per month with USAA. The company also offers a good student discount so students with good grades can save on their car insurance.
| Average Monthly Insurance Cost: Young Drivers | Average Annual Insurance Cost: Young Drivers |
| $301.17 | $3,614 |
Best Oklahoma Car Insurance Company for Accident History: USAA
Your driving record is one of the most important factors in what you pay for car insurance in Oklahoma. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.
In these cases, USAA. again earns a spot on our list of top picks. USAA is one of the best Oklahoma car insurance companies for drivers with an accident history. The company is highly rated for its claims response and for offering affordable policies for drivers with bad records. If you’ve had an at-fault accident, you can get a car insurance policy in Oklahoma from USAA for about $147 per month.
| Average Monthly Insurance Cost: Drivers with Accident History | Average Annual Insurance Cost: Drivers with Accident History |
| $147.42 | $1,769 |
Oklahoma Car Insurance Requirements
Drivers in Oklahoma must purchase a car insurance policy that meets the state's minimum coverage requirements. In Oklahoma, you must have the following coverage, at a minimum, in order to comply with state law and avoid penalties.
- Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damage, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you. In Oklahoma, you must have this coverage in the amount of $25,000 per person and $50,000 per accident, at a minimum.
- Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another driver’s car) and for your legal defense if you are sued. In Oklahoma, you must have this coverage in the amount of at least $25,000 per accident.
Optional Car Insurance Coverage in Oklahoma
- Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
- Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
- Medical payments coverage: Pays medical bills for you and your passengers regardless of who is at fault for an accident. It also pays if you’re hurt while riding in someone else’s car, walking, or biking.
- Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
- Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
- Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
- Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.
An independent insurance agent in Oklahoma will help you find a car insurance policy that includes the coverage you need.
Save on Car Insurance
Our independent agents shop around to find you the best coverage.
Average Cost of Car Insurance in Oklahoma
The average cost of car insurance in Oklahoma is $1,496 per year, which is more than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. You can find ways to reduce your car insurance costs in Oklahoma by taking advantage of car insurance discounts that you may be eligible for.
Average Oklahoma Car Insurance Costs by City
The city you live in is one of the most important factors in what you’ll pay for car insurance in Oklahoma. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage).
Midwest City has the costliest car insurance in Oklahoma at an average of $1,558 per year, or $130 per month. Conversely, Lawton residents pay much less for car insurance, with an average annual car insurance cost of $1,234.
Finding Car Insurance Discounts in Oklahoma
One of the best ways to save on car insurance in Oklahoma is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in Oklahoma include the following:
- Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school. Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course.
- Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company.
- Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed.
- Military discount: Active or retired members of the military can often qualify for auto insurance discounts.
- Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements.
- Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members.
Your independent insurance agent in Oklahoma can help you find all the car insurance discounts you qualify for.
How to Find the Best Car Insurance Quote in Oklahoma
Finding the best car insurance quote in Oklahoma requires comparing several insurance companies and making an informed choice, but you don’t have to go it alone. An independent insurance agent in Oklahoma can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process.
How to File a Car Insurance Claim in Oklahoma
Filing a car insurance claim in Oklahoma is always going to be a little stressful. If you know what to do in advance, it can help the process go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim:
- Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured.
- Call the police: Filing a police report ensures that your accident is on the record and all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident.
- Contact your independent insurance agent: Your Oklahoma independent insurance agent can get the process started by connecting you with your insurance company, or by even filing the claim for you. Your agent can guide you throughout the claims process.
- Schedule an appointment with an adjuster: Your insurance company will likely want to evaluate the damage before you seek repairs for your car. That means you’ll likely need to set up an appointment with an adjuster who works for your carrier.
- Get repairs: If necessary, get your vehicle repaired from a reputable auto body shop or from a shop recommended by your insurance company.
- Get a rental vehicle: If you’re without your car for a while as it's being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car.
An independent insurance agent in Oklahoma can help you through the claims process and answer your questions about how best to file your claim.
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
| City | Commute time (min) | Auto thefts / 1,000 | Annual insurance cost |
| Bartlesville | 17.1 | 2.74 | $1,254 |
| Broken Arrow | 21.1 | 1.6 | $1,389 |
| Edmond | 22.6 | 1.26 | $1,348 |
| Enid | 17.1 | 2.28 | $1,248 |
| Lawton | 15.4 | 2.81 | $1,234 |
| Midwest City | 21 | 3.38 | $1,558 |
| Moore | 24 | 2.3 | $1,477 |
| Muskogee | 17.1 | 3.04 | $1,392 |
| Norman | 22.5 | 2.76 | $1,376 |
| Oklahoma City | 21.4 | 5.76 | $1,693 |
| Owasso | 21.5 | 1.54 | $1,373 |
| Shawnee | 20.4 | 4.87 | $1,470 |
| Stillwater | 16.2 | 1.16 | $1,219 |
| Tulsa | 18.6 | 7.55 | $1,556 |
| Yukon | 22.5 | 0.96 | $1,316 |
Oklahoma Car Insurance FAQs
The average cost of car insurance in Oklahoma is $1,496 per year, or about $125 per month.
The main purpose of car insurance in Oklahoma is to cover medical expenses and property damage costs that occur due to a car accident. If you’re at fault for an accident, these costs are covered through your bodily injury liability and property damage liability coverage.
You can cover some of your own losses with uninsured and underinsured motorist coverage, comprehensive coverage, and collision coverage.
Oklahoma’s car insurance laws require drivers to carry a minimum amount of car insurance, as follows:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability coverage: $25,000 per accident
Oklahoma drivers have a lot of options for car insurance. Some of the best car insurance companies in Oklahoma are USAA, Progressive, Safeco, Hanover Insurance Group, and Travelers.
Oklahoma follows a "fault" system for car insurance. This means that the person who is at fault for a car accident is financially responsible for compensating anyone else who is harmed as a result. Typically, the at-fault driver’s car insurance pays for the damage, up to the policy’s coverage limits.
Oklahoma requires vehicle owners and drivers to carry proof of insurance in their cars. Since driving without a license is illegal, an unlicensed driver would also be driving without insurance.
Typically, you cannot register a car in one state and be insured in another. In most states, including Texas and Oklahoma, you’re required to register your car in the same state as your license, and you must purchase insurance in the state in which your car is registered.
If you drive without insurance in Oklahoma, you can expect the following fines and penalties:
- $250 fine
- Up to 30 days in prison
- License plate seizure
You will need to purchase car insurance and pay a $125 administrative fee to regain your driving privileges.
Most individuals in Oklahoma cannot self-insure their cars. Only people who have more than twenty-five cars registered in the state may apply for self-insurance. This typically applies to commercial vehicle owners.
Do You Know What Your Car Insurance Covers in Oklahoma?
https://www.thezebra.com/auto-insurance/oklahoma-car-insurance/
https://www.usaa.com/inet/wc/annual-report-to-members