Best Auto Insurance Rates in Oklahoma

On average, your neighbors pay $68 a month.

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Compare Auto Insurance in Oklahoma

Oklahoma drivers used to drive around in surreys (horse-drawn carriages for those who haven’t seen the musical, "Oklahoma!"). These days Oklahomans drive cars and trucks, which need to be insured.

Check out the information below to learn the rules of insurance for your car in the great state of Oklahoma. From insurance laws to average rates to driver tips, we’ve got you covered.

Average Oklahoma Car Insurance Rates

How much is car insurance in Oklahoma? Average premiums in Oklahoma are slightly lower than the national average. The average cost of auto insurance in Oklahoma is $823.51 per year. The national average price is $889.01.

Prices may vary depending on your limits, coverage, and the total number of insurance claims filed in your zip code.

Oklahoma Average Annual Car Insurance Rates
Coverage Rates
Liability $461.01
Collision $318.47
Comprehensive $225.84
Total Cost Per Year $823.51
Price Per Month $68.62

The graph below shows the change in average Oklahoma rates from 2011 to 2015, the most recent year the data is available. According to the III, Oklahoma car insurance rates increased from $716 in 2011 to $823 in 2015, a jump of $107 dollars, or 14.98 percent.

Oklahoma average car insurance rates

Looking for car insurance in Oklahoma that provides the best coverage for an affordable rate? Shop around. Compare rates from a number of insurance companies.

QuoteWizard can help with that. We’ll connect you to top insurance companies so you can find a policy that protects you without breaking the bank.

Last year, 47,693 people used QuoteWizard to compare car insurance quotes in Oklahoma from multiple companies.

Top 10 Vehicles in Oklahoma

These are the 10 most common vehicles owned by Oklahoma drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. GMC Sierra C1500
  4. Dodge RAM 1500
  5. Ford Mustang
  6. Ford Taurus SE
  7. Ford Ranger
  8. Chevrolet Blazer
  9. Chevrolet Tahoe
  10. Chevrolet Impala LS
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Best Car Insurance Companies in Oklahoma

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Oklahoma. Out of the 47,693 Oklahoma drivers that used QuoteWizard to request insurance quotes last year, 5,528 had no car insurance.

Oklahoma State Auto Insurance Laws

Car Insurance Minimum Coverage

Oklahoma drivers are required by law to have insurance coverage for all registered vehicles on the road.  While different companies do have various policies available, there is a minimum coverage requirement known as the 25/50/25 rule.

This means that any policy must include the following:

  • $25,000 of bodily injury or death of an individual in any single accident
  • $50,000 of bodily injury or death of all individuals in any single accident
  • $25,000 of injury to or destruction of property of others in any single accident

These are only the minimum requirements. Different companies can provide additional benefits and plans to better fit your vehicle and lifestyle. If you’ve financed your car, they’ll typically require that you purchase collision and comprehensive coverage to protect their investment.

Required Proof of Car Insurance

You must be ready to show your insurance identification card to law enforcement upon request.  Your insurer will give you this card when you purchase a policy.

The card must have the following elements:

  • Name of the insurance company
  • The NAIC (National Association of Insurance Carriers) number for your provider, which can be obtained by requesting it from your insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver

When registering your car in Oklahoma, a copy of your insurance must be provided to the state department upon registration.  More importantly, insurance companies are required by law to include the following statement on all insurance policy cards that they issue.

“Examine policy exclusions carefully. This form does not constitute any part of your insurance policy.”

Oklahoma Compulsory Insurance Verification System (OCIVS)

Oklahoma is unusual in that it implements an electronic verification system for all individual driver policies.  For each vehicle plan that is purchased, Oklahoma drivers are required to register it with the Department of Public Safety.  In most cases, your insurance provider will be able to assist with this quick registration. But make sure you're registered before wrapping up your insurance policy purchase.

The Oklahoma Automobile Insurance Plan

Car insurance is required by law in Oklahoma, but insurance companies are allowed to refuse service to any driver they view as high risk.  To ensure that all drivers have the opportunity to purchase the levels of insurance required by law, Oklahoma offers a state sanctioned plan.

To see if you qualify for this option, either call (405)842-0844, or visit their website below.

https://www.aipso.com/PlanSites/Oklahoma.aspx

Penalties

Operating a vehicle without the minimum insurance coverage required will result in a $250 fine.  Additional punishments include suspension of your license and vehicle registration, as well as the potential for up to 30 days in jail.

Oklahoma drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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SR-22 Requirements

Most states require drivers with penalties related to infractions like DUIs or driving without insurance. Oklahoma does not require an SR-22.

Drivers moving to Oklahoma with an SR-22 from another state must keep it as long as required in that state.

State of Oklahoma Traffic Safety Laws

Distracted Driving Laws

Oklahoma doesn't have laws in place to prevent the use of a handheld device while operating a motor vehicle.  But Oklahoma law enforcement can pull you over for “distracted driving” and issue citations.

Implied Consent Law

This Oklahoma law requires that drivers submit to alcohol or drug testing. It tests blood, breath, or urine from drivers arrested for suspicion of driving while under the influence (DUI). Refuse the test and you’ll face license suspensions and fines.

DUI Law and Penalties

If your Blood Alcohol Content (BAC) of 0.08% or higher, you're guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Between 5 days and 1 year in jail
  • A fine of up to $1,000
  • 30-day driver’s license suspension

The penalties for a second offense DUI conviction are more severe:

  • Between 1 and 5 years in jail
  • A fine of up to $2,500
  • 6-month driver’s license suspension
  • Required installation of ignition-interlock device

After a third DUI conviction the penalties increase to:

  • Between 1 and 10 years in jail
  • A fine of up to $5,000
  • 1-year driver’s license suspension
  • Required installation of ignition-interlock device

Child Safety Law

Oklahoma requires all passengers under the age of 5, or weighing less than 40 pounds sit an approved child safety seat. Until the age of 12 children must ride in the back seat wearing safety belts at all times.  Failure to comply with this law will result in a $50 fine and up to $207 in court costs.

Graduated Driver’s License Program

Once drivers reach age 15, they may enroll in a driver's education course. This is the only way new drivers younger than 15 1/2 can legally drive. After reaching age 15 1/2 they can apply for a learner permit.

Full driving privileges are awarded once a driver has held their intermediate license for six months without incident. Drivers will also get their license if they have held their intermediate license for twelve months without incident.

Senior Drivers in Oklahoma

There are no driving restrictions for senior drivers in Oklahoma. License renewal occurs every 4 years for drivers across the board. But there's a reduced license fee for drivers between the ages of 62 to 64. The fee is waived entirely for drivers over the age of 65.

Seat Belt Laws

Oklahoma protects its citizens by ensuring that all passengers comply with the state's mandatory seatbelt law while on the road.  Anyone riding in a front seat must be over the age of 13. The must also wear seatbelt at all times.  Failure to comply with this law will result in a $20 fine.

Vehicles Registered in Another State

If you're visiting Oklahoma or moving here, you must meet the mandatory insurance requirements of your state of origin.

The Cost of Driving in Oklahoma

Average Oklahoma Car Insurance Rates

The most recent data from 2015 indicates that Oklahoma drivers paid an average of $823.51 annually for car insurance coverage. That's a bit below the national average of $889.01. This makes Oklahoma the 25th most expensive state for car insurance.

Fuel Taxes

Oklahoma has a 17 cents per gallon tax on gasoline, as well as a 14 cents per gallon tax on diesel.  On top of that is the federal tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel. Total taxes in Oklahoma amount to 35.4 cents per gallon on gasoline, and 38.4 cents per gallon on diesel fuel.

Car Insurance Risk in Oklahoma

Traffic Fatalities

In 2014, 669 motor vehicle related deaths were recorded in Oklahoma, down from 678 in 2013.

Vehicle Thefts in Oklahoma

In 2014, 10,583 vehicles were reported stolen in Oklahoma, a 6.2% decrease over the 11,282 vehicle thefts reported in 2013.

How does this compare to other states? The nationwide average vehicle theft rate in 2014 was 216.2 thefts per 100,000 cars. In Oklahoma, they saw a slightly higher 272.9 thefts per 100,000 cars.

Top 10 Most Stolen Vehicles in Oklahoma

Curious if the car you drive makes you a target for theft?  Check out the list of the most stolen cars in Oklahoma below.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2004 Chevrolet Pick-Up (Full Size)
  2. 2006 Ford Pick-Up (Full Size)
  3. 1994 Chevrolet Pick-Up (Small Size)
  4. 1996 Honda Accord
  5. 2001 Dodge Pick-Up (Full Size)
  6. 1998 Honda Civic
  7. 1994 GMC Pick-Up (Full Size)
  8. 2004 Chevrolet Impala
  9. 2001 Ford Mustang
  10. 1994 Ford Pick-Up (Small Size)

Uninsured Motorists

The percentage of Oklahoma residents estimated to be driving without insurance is a whopping 25.9%. That ranks Oklahoma as #1 among all US states and the District of Columbia. Oklahoma doesn't require uninsured motorist coverage. But it may be a good idea to get it given how many uninsured drivers share the road with you.

Oklahoma Auto Insurance Company Market Share

Source: Oklahoma Insurance Department
Rank Market Share Company
1 12.6% Farmers
2 4.8% Progressive Northern
3 4.7% Oklahoma Farm Bureau
4 4.3% Allstate
5 3.6% CSAA General Insurance
6 3.4% Shelter Mutual
7 3.2% GEICO
8 3% Progressive Direct
9 2.9% Safeco Insurance

Oklahoma Office of the Superintendent of Insurance

Website:
https://www.ok.gov/oid/
Insurance Commissioner:
John D. Doak
Insurance Hotline:
(800) 522-0071
Hours:
Monday - Friday
8 am - 5 pm
File a Complaint:
Contact Information

Sources:

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