best car insurance
Oklahoma City 2022
The Cheapest and Best Car Insurance in Oklahoma City
The Cheapest Car Insurance Companies in Oklahoma City
A full moon coverage car policy policy is one that includes liability, comprehensive and collision coverages. Due to its broad coverage, it financially protects drivers from most circumstances in lawsuit of an accident. These companies offer the cheapest fully coverage policies for an average driver in Oklahoma City :
- GEICO: $773 per year
- Farmers: $990 per year
At $ 826 per annum, USAA is an low-cost option for both veterans and current military personnel and their families. MoneyGeek ’ s analysis reveals that GEICO, Oklahoma City ’ s cheapest provider, is approximately 181.6 % less expensive than Metlife, the city ’ s most expensive supplier .
Cheapest Car Insurance in Oklahoma City
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .GEICO
$773
- 2 .USAA
$826
- 3 .Farmers
$990
- 4 .State Farm
$1,045
- 5 .Allstate
$1,206
- 6 .Progressive
$1,240
- 7 .Mercury
$1,319
- 8. Oklahoma Farm Bureau
$1,529
- 9 .MetLife
$2,177
Based on MoneyGeek ’ sulfur methodology, the car insurance rates in this steer are for a 40-year-old male driver in Oklahoma City with a entire coverage policy. A wide coverage car indemnity policy includes comprehensive and collision coverages, along with the state ’ randomness required coverages. It offers extensive fiscal auspices in case of an accident, but it is more expensive than a minimum coverage policy .
- Comprehensive Coverage: Pays for repairs not caused by a collision. The damage may be due to weather events and falling objects or can be loss due to theft.
- Collision Coverage: Covers vehicle repair expenses if you’re in an accident.
If you have an older cable car, remember that the premiums for a entire coverage insurance policy can be more expensive than your car ’ s actual deserving. In that case, choosing liability-only or state minimal indemnity will get you the most low-cost rates potential .
Compare Car Insurance Rates in Oklahoma City
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Cheapest Car Insurance in Oklahoma City for Minimum Coverage
If you ’ re looking for the cheapest car policy offers in Oklahoma City, a department of state minimal policy is your best option. While these policies don ’ t have comprehensive examination and collision coverages, they are significantly more low-cost than full coverage policies. however, the limited coverage offered by a express minimum policy exposes you to fiscal risks in case of an accident. These companies offer Oklahoma City ’ s cheapest state minimum policies :
- GEICO: $401 per year
- State Farm: $483 per year
USAA besides provides an low-cost submit minimal policy in Oklahoma City for eligible military personnel at an average of $ 370 annually. MoneyGeek ’ s research found that Oklahoma City ’ s cheapest state minimal supplier, USAA, is $ 463 cheaper than the city ’ s most expensive state minimum provider, Metlife .
Cheapest Minimum Liability Car Insurance in Oklahoma City
state Minimum
- company State Minimum
per year
- 1 .USAA
$370
- 2 .GEICO
$401
- 3 .State Farm
$483
- 4 .Progressive
$558
- 5 .Farmers
$572
- 6 .Mercury
$623
- 7 .Allstate
$708
- 8. Oklahoma Farm Bureau
$831
- 9 .MetLife
$833
Drivers in Oklahoma are required to have a minimal coverage policy that includes coverages for bodily injury liability, property damage indebtedness, uninsured motorist bodily injury and uninsured motorist place damage. A minimal coverage policy is the brassy available car insurance in Oklahoma City — choosing minimum coverage will surely save you money on your monthly premiums. however, in case of an accident, you can well wind up paying more than you saved. That ’ mho because, in Oklahoma, indebtedness policy only covers $ 25,000 for bodily injuries per person. If you ’ re in an accident and the other party ’ s medical expenses reach $ 30,000, you may be responsible for the $ 5,000 remainder yourself .
Oklahoma Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for place damage. A more protective tied is 100/300/100 .
Cheapest Car Insurance in Oklahoma City if You Have Driving Violations
Your car insurance rates can go up in the event you get a speed slate or are charged with a DUI, an at-fault accident or other drive violations. Over time, you can improve your driving history and may help lower your premiums. In the meanwhile, shopping around and comparing car policy quotes is your best choice to find optimum deals. MoneyGeek ranked Oklahoma City ’ s most low-cost car indemnity companies for drivers with bad records :
- Cheapest after a ticket: GEICO, $969 per year
- Cheapest after an at-fault accident: State Farm, $1,118 per year
- Cheapest after a DUI: State Farm, $1,118 per year
Cheapest Car Insurance in Oklahoma City With a Violation
Speeding ticket
- company Speeding Ticket
per year
- 1 .GEICO
$969
- 2 .USAA
$1,027
- 3 .State Farm
$1,118
- 4 .Farmers
$1,241
- 5 .Allstate
$1,298
- 6. Oklahoma Farm Bureau
$1,672
- 7 .Progressive
$1,784
- 8 .Mercury
$1,985
- 9 .MetLife
$2,997
Average Cost of Car Insurance in Oklahoma City
Oklahoma City
$1,285
Oklahoma
$1,299
U.S.
$1,424
Car insurance in Oklahoma City ( averages around $ 1,285 ) is slightly more low-cost than the statewide ( $ 1,299 on average ) and national ( $ 1,424 on average ) annual premiums. There ’ randomness not much remainder between the city and state average car indemnity rate, with just a 1.1 % monetary value variation between them. however, the opening is larger when compared to the national average annual bounty, with the national rate being approximately 9.8 % higher than Oklahoma City ’ s prices.
Personalized Quotes to Get You the Cheapest Car Insurance in Oklahoma City
There are several key factors that can affect car indemnity quotes in Oklahoma City, which means that flush if two drivers live in the lapp neighborhood, they may not receive the lapp rates. Your age, driving history, recognition seduce, gender and ZIP code ( among other factors ) besides influence the final rate you receive. therefore, it is important that you always get a personalize quote from indemnity providers to see what the best offer is for you. You should besides check to see if they have discounts, rebates or promos so you can get a better rate for your Oklahoma City cable car policy package .
Compare Car Insurance Rates in Oklahoma City
guarantee you ‘re getting the best rate for your cable car policy. Compare quotes from the top policy companies. widget-location-pin
The Best Car Insurance Companies in Oklahoma City
To help you find a provider that offers affordability and high-quality customer servicing, MoneyGeek ranked the best car indemnity companies in Oklahoma City. overall, the best cable car policy companies in the city are :
- GEICO: MoneyGeek score of 98 out of 100
- Allstate: MoneyGeek score of 85 out of 100
USAA earned the highest score in Oklahoma City per MoneyGeek ’ second rate organization. however, because it ’ s only available to active military members, veterans and their families, we did not list it as well overall. MoneyGeek used diverse factors to determine scores out of 100, including J.D. Power ratings for exploiter atonement, affordability and fiscal constancy of the indemnity caller .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
GEICO
score :
92.5
5/5 Affordability 3/5 Claims Ratings 4/5
User Satisfaction A++ fiscal constancy 3
Allstate
score :
85
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 4
Travelers
grade :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 5
Progressive
mark :
85
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 6
Auto Club of Southern California Insurance Group
seduce :
82.5
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 7
State Farm
seduce :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 8
Safeco
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 9
Liberty Mutual
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 10
Farm Bureau Ins of MI
score :
75
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 11
Farmers
score :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 12
Nationwide
score :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy
Average Cost of Car Insurance by Postal Code
ZIP code is another factor that influences your policy rates. There are hazard factors like car larceny incidents, accidents, uninsured motorists and early location-specific qualifiers that insurers will take into consideration when generating a quote. In Oklahoma City, the ZIP code 73160 has the cheapest annual agio at $ 1,264, which is $ 45 less expensive than people who live in ZIP code 73110. Although the deviation international relations and security network ’ triiodothyronine much, it is even authoritative that you understand how costs are calculated in order to have a good estimate of the best package for you .
- Zip Code State Minimum
per year
- 73160
$1,264
- 73170
$1,281
- 73120
$1,285
- 73110
$1,309
Factors That Impact Insurance Costs in Oklahoma City
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents besides contribute to car policy rates in Oklahoma City. How Oklahoma City ranks compared to the 300 most populous cities in the United States can have a meaning impact on premium costs .
Most Accidents With Fatalities
60th
/ 300
Most car Thefts
202nd
/ 300
Most uninsured Motorists by State
31st
/ 50
personal Injury Protection Required No
Most annual rain
137th
/ 300
Most showery Days
187th
/ 300
Methodology and Assumptions
MoneyGeek ’ south average premium rates for Oklahoma City are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their commemorate. Additional premiums are added based on coverage character, location and drive read. Learn more about MoneyGeek ’ randomness data and methodology here. About the author
Read more: Blog – Save A Lot Insurance
Mark Fitzpatrick is a senior content director with MoneyGeek specializing in insurance. Mark has years of experience analyzing the policy market and creating master research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a passkey of Arts .