Cheapest Car Insurance in Oklahoma for 2022


Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.

Best Cities for Cheap Car Insurance in Oklahoma

 

City Premium Percent Increase
Altus $817 0.0%
Enid $829 1.5%
Duncan $882 8.0%
Ada $889 8.9%
Ardmore $898 10.0%
Bartlesville $901 10.3%
Mcalester $903 10.6%
Tahlequah $913 11.8%
Durant $916 12.2%
Muskogee $941 15.2%
Stillwater $944 15.6%
Chickasha $946 15.8%
Lawton $955 16.9%
Ponca City $958 17.3%
Claremore $997 22.1%
Shawnee $1,002 22.7%
Guthrie $1,037 27.0%
Norman $1,051 28.7%
Sapulpa $1,060 29.8%
Owasso $1,066 30.5%
Mustang $1,071 31.1%
Sand Springs $1,076 31.8%
Yukon $1,091 33.7%
Choctaw $1,129 38.2%
Edmond $1,141 39.7%
Bixby $1,147 40.5%
Bethany $1,173 43.6%
Oklahoma City $1,206 47.7%
Broken Arrow $1,220 49.4%
Tulsa $1,263 54.6%

 

Factors That Affect Car Insurance Premiums in Oklahoma

Although mature drivers pay less for car indemnity than teens, older drivers start to see their rates go up as they enter their senior years. Comparing cable car indemnity rates can save older drivers hundreds of dollars a year.

Cheapest Car Insurance in Oklahoma

6 Tips for How to Get Cheap Car Insurance in Oklahoma

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Oklahoma, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Oklahoma

Everyone knows that your driving habits and
 

3. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even
 

4. Choose coverage that is right for you

You need
 

5. Search for discounts

Top car insurance companies in Oklahoma have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

6. Don’t skip comprehensive coverage

It won’t lower the total cost of your insurance, but could save you a lot of money in the long run. Oklahoma drivers should maintain comprehensive coverage to protect against natural disasters such as tornadoes. In 2019, Oklahoma set the record for the most tornadoes in a year, with 149 twisters.
 

Methodology

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan
  • Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as required by Oklahoma’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Oklahoma insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car policy companies in Oklahoma is based on data from the Oklahoma DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest cable car policy companies for Oklahoma drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Oklahoma car policy companies by averaging premiums from 35 energy codes that represent at least 20 % of Oklahoma ‘s population. Military-specific companies like USAA were merely considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the mesa below, you can see all of the profile characteristics that were used in WalletHub ’ s analysis, in accession to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and particular characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Oklahoma indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative alone. individual rates will be different.

Don ’ thyroxine forget to include local insurance companies in your search for brassy car insurance. In Oklahoma, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers and have comparable customer atonement ratings.Everyone knows that your driving habits and claims history affect how much you pay for car policy. But in Oklahoma, companies can besides consider your old age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your dominance all impact the price of insurance.You ’ ll see higher rates if you let your indemnity lapse, flush if you don ’ thyroxine own a car. Oklahoma drivers who don ’ t maintain continuous car policy coverage pay an average of 5 % more per year than those with at least five back-to-back years of insurance history.You need liability insurance to pay for the other driver ’ s damages if you ’ re at demerit in an accident in Oklahoma. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older cable car. Usage-based policy might be a better meet than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ triiodothyronine stint on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car indemnity than you need.Top car indemnity companies in Oklahoma have a variety show of discounts, indeed about anyone can find ways to save. You may be able to get a discount if you ’ re a scholar, seasoned, good driver, homeowner, bequeath to go paperless, and more.It won ’ t lower the sum price of your insurance, butcould save you a set of money in the long run. Oklahoma drivers should maintain comprehensive coverage to protect against natural disasters such as tornadoes. In 2019, Oklahoma set the record for the most tornadoes in a class, with 149 twisters .

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