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Cheap Car Insurance in Oklahoma City

Illustration of van driving by Freeway Insurance headquarters

Having cheap car insurance in Oklahoma City can provide numerous benefits, including financial savings, peace of mind, and protection in case of accidents or other incidents involving your vehicle. Affordable auto insurance coverage can help reduce the financial burden of owning a car, while still providing protection for you and your vehicle. Additionally, having insurance can help ensure that you are in compliance with state laws, which require drivers to carry liability insurance.

In this next post we will take a general tour of the benefits that Freeway Insurance gives you when shopping for car insurance.

Cheap Car Insurance in Oklahoma City

Oklahoma City is one of the most fascinating capital cities in the country. Its beloved attractions include the National Cowboy & Western Heritage Museum, Alfred P. Murrah Federal Building, Bricktown, Centennial Land Run Monument, and the Myriad Botanical Gardens.

All Oklahoma City drivers must carry auto insurance with the state-required minimum liability limits or better. Keep reading and learn more about Oklahoma car insurance, including average monthly premiums paid by age, zip code, and nearby cities.

Here’s What You Need to Know When Driving in Oklahoma

The previous “cause of crash” only indicated the main reason for a collision and didn’t allow analysis of driver actions and behaviors. But, in 2007, the Official Oklahoma Traffic Collision Report form changed the cause to a contributing factor for each driver, enabling more detailed analysis.

Oklahoma Department of Public Safety’s Records Management Division maintains a database of crash reports from law enforcement agencies across Oklahoma. The database covers crashes resulting in injury, death or property damage over $5001, but not crashes on private or public property. The data elements include details about vehicles, roadways, crash conditions, drivers, and passengers.

How Are the Road Infrastructure and Bridges in Oklahoma City, Oklahoma?

Oklahoma City’s Public Works department is continually working on road and infrastructure improvements. Recent projects include the $176 million Project 180 project (revamping downtown streets to make them more pedestrian-friendly) and street resurfacing projects.

For more information on Oklahoma City’s public works projects, visit Public Works City of OKC.

Quick Facts

  • The 2007 revision of the Official Oklahoma Traffic Collision Report permits assigning a contributing factor to each vehicle involved in a crash, rather than identifying a single cause. This leads to higher reporting of crashes caused by excessive speed.
  • One of the most dangerous roads in Oklahoma City is the Turner Turnpike.
  • An active oil well sits on the grounds of Oklahoma’s capitol building.
  • America’s most famous highway, Route 66, cuts through Oklahoma City.

Get a Quote for Car Insurance in Oklahoma Today!

How Much Does Car Insurance Cost in Oklahoma City, Oklahoma?

The average monthly rate for full coverage car insurance paid by Oklahoma City drivers is $174 per month, which is higher than the national average ($140) and also higher than the state average ($156). The state-required minimum liability auto insurance averages $49 per month, slightly higher than the state’s $35 per month, and the national average of $47.

It’s important to note that you will not be paying these averages. Everybody pays a different price for their car insurance based on many factors, the biggest being your age and your driving record. If you want to find the cheapest car insurance in Oklahoma City, then you’ll compare car insurance quotes.

Full coverage car insurance consists of liability car insurance, plus collision coverage and comprehensive auto insurance. Many drivers choose to purchase full coverage for the enhanced financial protection.

For average monthly premiums of other cities in Oklahoma compared to Oklahoma City, see our breakdown below:

City Full Coverage Insurance Liability Insurance Coverage
Oklahoma City $174 $49
Norman $156 $42
Shawnee $157 $38
Stillwater $147 $36
Tulsa $179 $48

Low-Cost Oklahoma City Car Insurance Rates by Zip Code

Your zip code affects your car insurance rates. If there are many claims from car accidents and car theft, plus personal injury lawsuits in your zip code, expect to see higher rates than zip codes with fewer claims.

For average monthly premiums paid by zip code in Oklahoma City, see our breakdown below:

Zip Code Full Coverage Insurance Liability Insurance Coverage
73101 $174 $49
73102 $174 $48
73103 $172 $48
73104 $169 $47
73105 $169 $47
73106 $172 $49
73107 $171 $48
73108 $170 $46
73109 $170 $47
73110 $166 $46
73111 $168 $47
73112 $169 $48
73113 $174 $49
73114 $170 $48
73115 $167 $46
73116 $171 $48
73117 $171 $46
73118 $171 $48
73119 $172 $47
73120 $170 $49
73121 $169 $47
73122 $168 $49
73123 $174 $49
73125 $174 $49
73127 $166 $47
73128 $165 $46
73129 $169 $46
73130 $166 $46
73131 $168 $47
73132 $170 $49
73134 $167 $48
73135 $166 $46
73136 $174 $49
73139 $161 $45
73141 $170 $46
73142 $165 $47
73143 $174 $49
73144 $174 $49
73145 $169 $43
73149 $167 $45
73150 $166 $46
73151 $167 $46
73157 $174 $49
73159 $167 $47
73160 $160 $45
73162 $167 $48
73164 $174 $49
73165 $159 $45
73169 $159 $44
73170 $160 $45
73173 $161 $45
73179 $166 $47
73189 $174 $49
73195 $164 $45

Oklahoma City Affordable Car Insurance Rates by Age

Your age has a lot to do with your car insurance rates. In short, insurance rates are higher for younger age groups versus people in their 30s and 40s. There are some steps you can take to help your young driver find the cheapest car insurance available to them in Oklahoma City.

Expect insurance costs to drop year after year with a clean driving record until you arrive in your 60s and 70s.

For average monthly premiums paid by age group in Oklahoma City, see our breakdown below:

Age Full Coverage Insurance Liability Insurance Coverage
Teens $611 $208
20s $191 $56
30s $166 $47
40s $163 $46
50s $152 $43
60s $153 $46
70s $158 $50

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

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What’s the Best Car Insurance for Teenagers and Their Family in Oklahoma City, OK

Having car insurance for young drivers provides several benefits. Firstly, it offers financial protection in case of accidents or theft, ensuring that the driver is not left with costly repair bills. Secondly, insurance companies often offer incentives for safe driving habits, such as discounts for completing driver training courses or good grades. Thirdly, insurance can provide peace of mind, allowing the young driver to focus on the road without worrying about the financial consequences of an accident. Fourthly, insurance can also help in the case of legal proceedings, covering the cost of a lawyer and other legal fees. Finally, having insurance can also positively impact a young driver’s credit score by demonstrating financial responsibility. Overall, car insurance provides essential protection and security for young drivers and is a crucial aspect of responsible car ownership.

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Minimum Car Insurance Requirements in Oklahoma City, OK

All states require drivers to carry minimum financial liability auto insurance, consisting of bodily injury/death liability and property damage liability. This is intended to help pay for injuries and damages of the people who are not at fault in a car wreck. The at-fault driver will be paying for their own costs out of pocket if they only carry the minimum liability.

A real-time database keeps track of all new, active and lapsed policies, and insurance companies are required by law to report changes to the state’s department of revenue.

Oklahoma law requires the following minimum coverage for all drivers:

  • Bodily Injury Coverage per Person: $25,000
  • Bodily Injury Coverage per Accident: $50,000
  • Property Damage Per Accident: $25,000

It’s recommended to obtain auto insurance policies with higher coverage limits if possible. A single accident could easily exceed Oklahoma’s minimum $25,000 bodily injury coverage per person, forcing you to pay out of pocket for the remaining costs if you are at fault.

What Are the Penalties for Driving Without Insurance in Oklahoma City, OK?

Expect severe penalties if caught driving without insurance in Oklahoma City.

First-time offenders will be subject to fines of up to $250 on top of a 1-year license and registration suspension until proof of insurance is provided. In addition, to reinstate your license, you will need to pay a $275 reinstatement fee and a $125 administrative fee.

All penalties apply whether you are involved in an accident or caught at a checkpoint.

Remember, Oklahoma drivers’ minimum liability coverage limits are $25,000 for bodily injuries per person, $50,000 for bodily injuries per accident, and $25,000 for property damage.

Factors Allowed in Oklahoma City Car Insurance Rates

Insurance rates vary from person to person since insurance companies factor in many unique parameters for each person. Some factors affecting auto insurance costs include:

  • Gender
  • Age
  • Driving history
  • Claim history
  • Zip code
  • Make/model of vehicle
  • Credit score

Discounts for Car Insurance in Oklahoma City, Oklahoma

Drivers can take advantage of multiple car insurance discounts covering everything from good driving habits to bundling (combining your auto and homeowners insurance policy).

Here are some other discounts available to Oklahoma City drivers:

As your life circumstances change, we highly recommend contacting your insurance company. For example, driving an older make and model vehicle, installing an anti-lock brake device, or signing up for a defensive driving course could shave some dollars off future monthly bills. Do not miss an opportunity get the cheapest auto insurance policy by asking for discounts.

Cheapest Full Coverage Car Insurance in Oklahoma

Downtown skyline in Oklahoma City, OK

All Oklahoma City drivers must carry an active auto insurance policy to protect themselves and their families in an accident. Remember, it is required under the law.

In the case of Freeway, we can offer you an option that fits your pocket and the needs of your family and cars. Remember that we can always achieve the cheapest options with great benefits.

Freeway Insurance, which is one of the best auto insurance companies of 2022 is ready to help you find the right policy. So get started with the cheapest car insurance in the area, quote online, visit us at an Oklahoma City office near you, or call us at 800-777-5620 for a quote. Our agents will be happy to help you!