|Direct Auto||$45 /mo|
|State Farm||$59 /mo|
How to Get Cheap Car Insurance in Oklahoma?
At Rateforce; we understand the need for affordable insurance quotes. Hence, we have a team of experts to deliver the cheapest car insurance rates to our clients. Our team provides a list of the cheapest insurance carriers available around the client and helps them select the right company. Below is the list of top car insurance companies in Oklahoma that provides cheap rates for every driver:
Which are the Best Car Insurance Companies in Oklahoma?
There is a huge difference between cheap rates and best rates. And we value those who understand this difference. As a result, we provide the list of best companies only after analyzing a lot of factors of each company. These factors include the health of the company, its reliability, and even the growth rate of the company. Based on all these different factors, below is the list of the best auto insurance companies in Oklahoma:
|State Farm||$59 /mo|
|The General Insurance||$105 /mo|
How to Get Best Car Insurance Coverage In Oklahoma?
Minimum Car Insurance Requirements in Oklahoma
Every state has its legal requirements for car insurance that is compulsory to drive any vehicle on the roads. Oklahoma is also one of these states. Below is the list of minimum car insurance Oklahoma:
- Bodily Injury Liability (BIL) Coverage:
When you are at fault in an accident then you will be responsible for the medical expenses of the other driver. Bodily injury liability is for that purpose only. In Oklahoma below are the minimum requirements for bodily injury liability coverage for every driver:
$25,000 per person for all of the medical expenses or death of the driver. and $50,000 per person for all of the medical expenses or deaths of passengers in the vehicle.
- Property Damage Liability(PDL) Coverage:
If you are responsible for damaging someone’s property while driving then you will have to pay for the repair expenses. It can be a fence, garden, wall, vehicle, or even a bench in the garden; any type of private property. In Oklahoma; the property damage liability coverage is $25,000. So you will have to buy a minimum coverage of this amount to drive your car in Oklahoma.
- Uninsured and Underinsured Motorist Bodily Injury Coverage:
This type of coverage is not compulsory in every state of the United States. This is for the situations when you get into an accident with a person who is uninsured or underinsured. Underinsured means, the driver does not have enough coverage to cover all your expenses. For example, the driver has a minimum coverage of $10,000 for bodily injury coverage and your medical bills are $25,000. In such situations; your insurance company will cover the rest of the expenses. In Oklahoma; uninsured and underinsured coverage is $25,000 per person and $50,000 per accident.
Cheapest Minimum Liability Car Insurance Companies in Oklahoma
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Oklahoma:
- Progressive: $49 per month
- SafeAuto: $58 per month
- Direct Auto Insurance: $71 per month
- Allstate: $79 per month
- StateFarm: $86 per month
Cheap Basic Full Insurance Coverage in Oklahoma
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in OK. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- SafeAuto: $151 per month
- StateAuto: $164 per month
- Progressive: $177 per month
- GEICO: $188 per month
- Allstate: $199 per month
Cheap Premium Full Insurance Coverage in Oklahoma
Here is the list of top auto insurance carriers that provide the cheapest full coverage in OK. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- SafeAuto: $198 per month
- StateAuto: $211 per month
- Progressive: $234 per month
- GEICO: $249 per month
- Allstate: $267 per month
Additional Auto Insurance Coverage In Oklahoma
Minimum requirement coverage is compulsory insurance coverage for every driver. Other than that; some insurance coverages are not compulsory but beneficial for the drivers. Below is the list of such types of insurance coverages:
- Collision Coverage:
This type of coverage is beneficial if your vehicle collides with another vehicle, object, or pedestrian. In such situations; your insurance company will provide coverage for all the repair expenses of your vehicle.
- Comprehensive Coverage:
Comprehensive coverage is necessary to protect your vehicle in case of man-made and natural disasters. If your vehicle gets caught in a flood, thunderstorm, earthquake, vandalism, or any other calamity, vehicle repair expenses will be covered. Your insurance company will repair your vehicle.
- Roadside Assistance:
This one is important if your vehicle breaks down in the middle of nowhere; like a deserted road or a highway. In such a situation, your insurance carrier will send help for you instantly. All the repair charges of your vehicle will be covered by the insurance company only.
- Loan/Lease Payoff:
What you will do if your vehicle is totaled and declared as a complete loss and you still have EMIs left? Your insurance carrier might help you in such situations to pay off your pending loan or lease amount. The coverage amount provided by the insurance company will be equal to the pending loan or lease amount on the vehicle.
- Rental Car Reimbursement:
The driver is allowed to rent a car while his or her car is under repair with the insurance company. You can then send the bill for renting a car to the insurance company and they will pay for the rent charges.
- Medical/Funeral Services:
This type of coverage will provide medical services like calling an ambulance or dead body transportation. Along with that; the company will provide coverage for the funeral service of the driver and the passengers.
Cheap Car Insurance Quotes In Oklahoma on Ticket Profile
There are a lot of factors that affect the final cost of car insurance in any city. Based on these factors the insurance companies create some ticket profiles. These ticket profiles get higher or lower insurance rates than the other drivers. Below are the top five ticket profiles in Oklahoma:
Cheapest Car Insurance for Drivers with a DUI in Oklahoma
Driving under the influence can be dangerous for the driver, passengers as well as other drivers and pedestrians. Drivers with a DUI on the record are considered risky drivers and they get higher insurance rates. Getting out of DUI requires a long, costly and complex process. The process involves SR-22 filing, court fines, reinstatement fees, and lots of forms to fill.
As a result; the drivers with DUI try to find the cheapest car insurance. Below is the list of the companies that provides the most affordable car insurance to DUI drivers:
|State Farm||$78 /mo|
|State Farm||$59 /mo|
Best Auto Insurance for Good Drivers in OK
A driver with a clean driving record that is free of any violations, at-fault accidents, and DUIs is a good driver. And good drivers are more responsible than any other drivers.
As a result, they get cheaper car insurance rates as compared to all the other drivers. Below are some car insurance carriers that can provide cheap OK car insurance rates:
Cheap Oklahoma Car Insurance Rates for Drivers with an At-Fault Accident
An at-fault accident on the driving record can lead to lifelong guilt and an increase in car insurance costs. Even though the accident was small or big, you will get a penalty on your driving record. And sometimes the insurance companies even deny continuing the policy further.
The driver can apply for accident forgiveness but the result depends on different factors and is not positive every time. The only thing that’s left for the driver with the at-fault accident is to look for different types of car insurance discounts. Here is the list of top companies in Oklahoma that provides cheap car insurance:
|Oklahoma Farm Bureau||$71 /mo|
|State Farm||$86 /mo|
|State Farm||$57 /mo|
|Oklahoma Farm Bureau||$74 /mo|
Cheap Car Insurance for Speeding Drivers in Oklahoma
Speeding vehicles are thrilling but also dangerous. A speeding driver might be responsible for a huge accident leading to loss of lives. This is the reason speeding drivers are considered risky ones.
Whenever a driver is caught while speeding he or she gets some points on the driving record. The points are based on the speed of the vehicle at that time. And then based on these points the insurance company decides the rise in the policy premium. Try to negotiate your way out or at least get some discounts on the insurance rates.
Below are some companies you can try to get cheap car insurance in Oklahoma:
Cheap Car Insurance for Young Drivers in OK
Drivers under 40 years of age who have less experience on road are considered as young and new drivers. These drivers get the highest car insurance quotes because they are the riskiest. Young drivers under 25 years of age have the option to apply for a student discount. If a driver has an average grade point of a B average or more then he or she can get a students discount.
Another benefit for Oklahoma students is the state government has banned the factors like credit score, education, and gender to calculate the insurance rates for any driver. Here are the top companies to get cheap car insurance rates for young drivers in Oklahoma:
|State Farm||$70 /mo|
Cheapest Coverage for Drivers with Poor Credit in Oklahoma
The government of different states has banned insurance companies from checking and considering credit scores as a factor to calculate the final cost of every policy. Still, insurance companies believe that drivers with poor credit scores are more irresponsible for payment. Hence to avoid that risk insurance companies increase the rates of car insurance for drivers with a poor credit score.
Below is the list of some companies that can provide affordable car insurance to drivers with poor credit scores in Oklahoma:
Which Car Insurance Discounts are available in Oklahoma?
Do You Know? Oklahoma is the third most expensive state to get car insurance. The average car insurance cost in Oklahoma is $1567 per year. For drivers living in Oklahoma, it might be difficult to pay this much for everyone. So the best way to get cheap car insurance in Oklahoma is, ask for discounts. Below are the four types of discounts available that will help you to save some money.
Multiple Policy Discount:
This one is also known as a bundling discount. You need this when you have car insurance and you want to buy other insurance like life or house owner. Then you can bundle up all these insurances in one policy and your insurance carrier will get the benefit. To convince you into buying all the policies from the same company, they will provide you good discounted rates.
Multiple Vehicles Discount:
If you have more than one vehicle and you need car insurance for all of them then you might get some discounts. Your insurance carrier will provide you discounted car rates so that you buy the car insurance from them. Try to negotiate as much as you can to get cheaper rates.
Advance Payment Discount:
This one is also known as an upfront payment discount. Insurance companies prefer advance payments. As a result, they promote this by rewarding drivers who can pay the annual premium in advance. So, if you are financially capable to pay the car insurance premium in advance then don’t forget to ask for a discount.
Safety Features Discount:
If your car has advanced safety features then you might get some discounts. Safety features decrease the chances of fatal accidents and injuries. As a result, the driver will file lesser claims. So, if your car has features like automatic seat belts, anti-lock brakes, anti-theft alarms, etc then you can get discounts.
SR-22 Car Insurance in Oklahoma State
SR-22 insurance is required if the license of the driver is suspended due to too many violations, DUIs, or at-fault accidents. This is to prove that he or she is financially stable to pay the minimum insurance coverage of the state. Filing for SR-22 is not expensive but getting SR-22 insurance is too much expensive for any driver.
Here is the list of how the prices increase after different violations:
|High-risk Rating Factor||Average Annual Rate||Increase vs. Clean Record|
|At-fault crash (>$2,000)||$2,513||$767|
|Speeding (21-25 mph > limit)||$2,167||$426|
Best Cities for Cheap Car Insurance in Oklahoma
The location of the driver plays a significant role in car insurance costs. The state, city, and even Pincode can change the insurance rates. Every insurance company analyzes cities for factors like crime rates, road conditions, and environmental type.
Based on these types of factors the company decides the insurance premium for the driver. Below is the list of top Oklahoma cities along with their Average Cost of Car Insurance in OK cities:
|City||Average Annual Premium|
FAQs About Car Insurance In Oklahoma
How to get cheap car insurance rates in Oklahoma near me?
There are two major ways to get cheap car insurance:
- Discounts: There are different types of car insurance discounts that you can ask from your car insurance carrier.
- Compare the rates: Compare Oklahoma car insurance quotes online from multiple companies in your area.
Is Oklahoma a No-fault state?
No, Oklahoma is a fault-based state. That means if the driver is held responsible for the accident then he or she will have to pay for the expenses.
What is the punishment for DUI in Oklahoma?
In Oklahoma, if a driver gets caught while driving under the influence it will leave a very bad impact on their driving record. The punishment includes jail for 10 days to 1 year, a $500 to $1000 fine, and license suspension for 30 to 100 days.
Which company has the cheapest car insurance in Oklahoma?
Every company has a different way to calculate the car insurance premium. So it is impossible and unfair to give you one name without knowing about your profile. You can talk to our experts and they can provide you the list of the cheapest companies in your area.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.