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The cheapest Oklahoma car insurance rates are $116 per month for full coverage with USAA and $22 per month for liability insurance with USAA.
Cheap Liability Car Insurance Oklahoma
There is no reason to pay more for car insurance in the Sooner state. The best car insurance in Oklahoma can be found for an average of $144 per month for full coverage, making it a relatively inexpensive place to get coverage, according to rate ratings from the Guides Group.
Average Cost Of Car Insurance (2023)
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Our guide team is committed to providing you with reliable information to help you make the best decisions about car insurance. Because consumers trust us to provide objective and accurate information, we have developed a comprehensive rating system to create a ranking of the best car insurance companies. We collected data from dozens of car insurance providers to rank companies based on various ranking factors. After 800 hours of research, the final result is an overall rating for each provider, with the insurer with the most points topping the list.
Paying for the lowest car insurance rates in Oklahoma is recommended, but also consider the quality of coverage. The providers below combine affordable auto insurance rates with industry-leading customer service.
The cheapest car insurance companies in Oklahoma are USAA, State Farm, Zigo and American Farmers & Rangers Insurance. We evaluated each provider on several criteria, including price and coverage. The table below shows each final rating.
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*Our research team considers country-wide factors while evaluating service providers. The provider rankings in this table apply only to auto insurance in Oklahoma.
Before choosing a car insurance company, it is always a good idea to compare the rates of several providers. Different companies calculate premiums differently, so comparing quotes can help you find the cheapest car insurance in Oklahoma.
The coverage you choose can have a big impact on the amount you pay. Minimum liability is required, but it only pays for the other driver’s medical bills and property damage as a result of the accident you caused. Full coverage car insurance covers you and your vehicle, so it’s best to opt for this type of insurance if you can afford it.
Drivers with a safe driving history pay $43 a month or $516 a year for minimum liability coverage in Oklahoma, one of the lowest rates in the country. The cheapest providers that offer minimum coverage in the Sooner state are USAA, American Farmers & Ranchers and State Farm.
How Much Is Car Insurance?
The average cost of full coverage car insurance in Oklahoma is $2,278 per year or $144 per month. This number is slightly higher than the national average of $2,008 per year.
Check out USAA, State Farm, Geico and Progressive to find the cheapest car insurance in Oklahoma. When comparing car insurance quotes online, you can expect the best rates from these providers.
Your credit score, driving history and age can have a big impact on the cost of car insurance in Oklahoma. Below we compare the cheapest car insurance quotes for Oklahoma drivers in these categories.
Age is one of the biggest factors affecting car insurance premiums. In Oklahoma, young adults can pay up to three times more for car insurance than middle-aged drivers. Below are estimates of overall coverage rates for various age groups.
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16-year-olds pay higher rates with their own insurance. According to our estimates, the average rate for this age group is $8,117 per year. This is why many teenage drivers buy their parents’ car insurance.
16-year-olds who want their own insurance can shop for affordable rates at American Farmers & Ranch, State Farm or shelter insurance.
The average 17-year-old in Oklahoma pays $5,242 a year for full coverage car insurance. This is slightly less than what a 16-year-old would pay.
In Oklahoma, drivers pay significantly less for car insurance once they turn 21. On average, this age group pays $2,671 per year for a full coverage policy.
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A 25-year-old in Oklahoma pays about $2,624 a year for full coverage auto insurance. The cheapest providers for this age group are USAA, Geico and State Farm.
Besides age, there are many other factors that affect the cost of car insurance, including speeding tickets, accidents, DUIs and credit history.
Getting a speeding ticket can quickly raise your car insurance premiums in Oklahoma. Speeding drivers pay an average of $2,739 a year on their record in the Sooner state.
If you are involved in a car accident, your Oklahoma car insurance premiums will increase. Due to a recent accident on your driving record, the average car insurance premium is $3,066 per year.
General Liability Insurance Cost: 2023 Customer Prices
If you get a DUI, you can expect your car insurance premiums to go up significantly. Oklahoma car insurance rates rise by an average of $3,255 per year after a DUI conviction.
Drivers with bad credit usually pay very high rates for car insurance. The same is true in the Sooner State, where drivers with bad credit pay an average of $3,408 a year on auto insurance.
Most car insurance companies offer a variety of auto insurance discount drivers in Oklahoma. The table below shows the car insurance discounts offered by the cheapest car insurance companies. This will be explained in more detail below.
*This is the standard auto insurance discount rate offered by each company. Discount availability can vary by state, so you should talk to your insurance agent to find out what auto insurance discounts you qualify for.
Cheap Car Insurance In Oklahoma For March 2023
Oklahoma may not be one of the most expensive states for car insurance, but drivers can find ways to lower their premiums through various deals and discounts. Most companies in Oklahoma offer different discounts depending on your driver profile.
If you are interested in finding out about cheap car insurance in Oklahoma, the section below has more detailed information.
With USAA, drivers receive quality service and pay the lowest average auto insurance rates in Oklahoma. USAA is J.T. J.D. Power’s 2022 U.S. Highest customer satisfaction score in region℠ in auto insurance survey This indicates that their car insurance coverage is better than their competitors. However, only military personnel, veterans and their families are eligible for USAA coverage.
As America’s largest auto insurance company, State Farm is trusted by millions of policyholders to provide the best value coverage. The company is generally an affordable option in Oklahoma and is known for offering some great discounts to student drivers, such as its application-based Steer Clear ® program.
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Our review team gave Geico our affordable price for most drivers for its broad coverage and relatively affordable price. AM Best’s A++ financial strength rating shows that Geico has no problems processing auto insurance claims, highlighting Geico’s reliability.
American Farmers & Ranchers (AFR) Insurance is headquartered in Oklahoma City and has been providing coverage in the Sooner State since 1905. Reviews show that the company responds quickly to customers and generally offers reasonable prices. This can be a great choice for Oklahoma drivers looking for local coverage.
The average estimated rate for full coverage auto insurance in Oklahoma is $2,278 per year, based on the profile of a 35-year-old driver with good credit and a clean driving record. This figure is slightly below the national average of $2,008.
Oklahoma City drivers pay close to the statewide average for full coverage car insurance, while Tulsa drivers pay more.
Cheap Car Insurance In Oklahoma
Insurance companies tend to charge higher rates to drivers who live in densely populated areas with high rates of theft and car accidents. This is why rural drivers typically pay less than drivers who live in Tulsa or Oklahoma City.
Age plays an important role in calculating car insurance rates in Oklahoma. Our research shows that 16-year-old drivers in this state pay an average of $8,117 per year for full coverage insurance, while car insurance premiums for 55-year-old drivers average $2,057 per year.
We’ve broken down how your age, driving history and location can affect your car insurance rates in Oklahoma.
The best way to find cheap car insurance in the Sooner state is to compare free quotes from providers. That way, you may find that a company offers a significantly lower rate for your situation.
Liability Auto Insurance 101
Oklahoma follows a fault system, which means that the person who caused the accident must pay all damages. Drivers in states with deficient systems generally pay lower prices for auto insurance, which is consistent with Oklahoma’s below-average rates.
It is important for Oklahoma drivers to follow the minimum coverage requirements required by state law. Below we outline all the major state requirements for auto insurance.
You do not need uninsured motorist insurance, insured motorist insurance or medical expense insurance to meet Oklahoma’s auto insurance standards.
It doesn’t take long to get to Oklahoma, though