Best Auto Insurance Rates in Oklahoma City, Oklahoma
On average your neighbors pay $68 a month.
Compare Auto Insurance in Oklahoma City
In the early 1900’s, Oklahoma City was a crucial point on Route 66. This is one of the first and most famous highways in the country. Nowadays, OKC remains a vital stop, bisected by interstates 35, 40, and 44. These highways move thousands of drivers every day, and you deserve cheap car insurance no matter which route you take.
Average Oklahoma City Car Insurance Rates
How much is car insurance in Oklahoma City, OK? Average car insurance rates in Oklahoma City 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 driving record and the number of insurance claims filed in your zip code.
| Coverage | Rates |
|---|---|
| Liability | $461.01 |
| Collision | $318.47 |
| Comprehensive | $225.84 |
| Total Cost Per Year | $823.51 |
| Price Per Month | $68.62 |
| Source: Facts + Statistics: Auto insurance | |
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.
QuoteWizard helps Oklahoma City residents compare car insurance quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Oklahoma City, Oklahoma. You can save up to 40% on your premium.
Last year, 20,384 people used QuoteWizard to compare quotes from multiple companies and find the cheapest auto insurance rates in Oklahoma City, OK.
Best Car Insurance Companies in Oklahoma City, OK
These are most common car insurance companies reported by QuoteWizard users living in Oklahoma City, Oklahoma last year.
Top 10 Vehicles
These are the most common car makes and models owned by Oklahoma City, OK drivers requesting quotes through QuoteWizard last year.
- Ford F150
- Ford Mustang
- Honda Accord EX
- Chevrolet Impala LS
- Chevrolet C1500 Silverado
- Ford Taurus
- Nissan Altima 2.5 S
- Chevrolet Malibu
- Hyundai Sonata GLS
- Cadillac DeVille
Minimum Car Insurance Requirements in Oklahoma City, OK
Oklahoma City, Oklahoma has a minimum coverage requirement known as the 25/50/25 rule. This means each policy must include at least the following three components:
- Individual Bodily Injury Liability (BIL): $25,000.
The maximum amount your insurance company will pay for an individual person injured in a car accident. - Total Bodily Injury Liability: $50,000.
The most your insurance carrier will pay in total for every person injured in a car accident. - Property Damage Liability (PDL): $25,000.
The total your insurer will pay for property damage caused by a car accident.
Oklahoma City Drivers
When it comes to safe driving, Oklahoma City, OK drivers are slightly worse than average. According to a recent report published by Allstate Insurance, OKC ranked 63rd out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 9.4 years.
Driving Conditions
Several factors that can impact insurance rates are the weather, driving, and road conditions.
Weather
Oklahoma City has what's called a humid subtropical climate with hot, humid summers and cold winters. On average, Oklahoma City sees 36.52 inches of precipitation with most of it falling between March and September. Urban flooding and flash floods occur fairly regularly creating major transportation headaches for residents. Ice and snowstorms in the winter are another cause of concern for commuters. But snow is the exception rather than the norm. The city only sees an average of 5.4 snowy days and only 7.6 inches of snow each year.
Road Conditions
The condition of Oklahoma City roads has improved significantly since 2005. That was when the state legislature increased funding to improve roads and bridges. According to a recent study by TRIP, Oklahoma has improved 25 percent of its roads and fixed half of its bridges. These improvements have helped reduce traffic fatalities around the state by 6%. Even so, TRIP reports that 81% of the roads have pavement conditions rated as poor or mediocre. This costs drivers $917 a year in extra vehicle operating costs.
Traffic Congestion
According to TomTom's annual traffic index report, Oklahoma City is ranked as having the nation's 54th worst traffic congestion. An average commuter spends an extra 18 minutes per hour stuck in traffic during rush hour commutes lasting 60 minutes. And 68 hours a year for 30 minute commutes.
Moving Violations
Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record. If that happens your insurer could change your status from preferred to non-standard. Then you'd be stuck trying to find an affordable high-risk insurance policy.
Traffic Tickets
The City of Oklahoma City Municipal Court website allows you to pay traffic citations. It also tells drivers how to contest tickets, attend driver improvement school, and has helpful traffic court information.
SR-22 DUI Insurance
A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Oklahoma City DUI insurance.
Car Accident Statistics
Oklahoma City recorded a total of 17,867 car crashes in 2015 resulting in 5,314 injuries.
Traffic Fatalities
Oklahoma City Police reported 52 deaths in motor vehicle crashes in 2015. The Oklahoma Highway Patrol reported another 23 fatalities or a total of 75 deaths on OKC roads. All traffic deaths are a tragic loss. But with Oklahoma City’s estimated population of 638,367, this is a safe US cities in terms of traffic fatalities.
Vehicle Theft Rates
Oklahoma City reported 2,900 vehicle thefts in 2016. This is a rate of 4.59 thefts per 1,000 residents. This is twice the national average of 2.20 stolen cars for every 1,000.
Car Insurance Discounts
Discounts are one of the best ways to lower your insurance rates. These are only a few of the auto insurance discounts available to Oklahoma City, OK drivers.
- Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
- Safe driver. If you have a perfect driving record, with no tickets or accidents, you may qualify for the safe driver or accident-free discount
- If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
- Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
- Get married. Some insurers offer a discount to married drivers
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