Cheap Car Insurance Oklahoma
Oklahoma
A Plus Insurance is here to educate our customers on the ins and outs of Auto Insurance in Oklahoma. We will help you to understand your coverages, educate you on liability insurance in Oklahoma, and discounts that may be applied to your policy to keep your car insurance cheap in Oklahoma.
Liability insurance in Oklahoma
Liability Insurance is the bare minimum required to make you legal driving on the road. Although it is typically a cheaper option if you’re looking to save money, minimum liability may not properly cover you in the event of an accident.
Check with a professional for suggestions on the importance of coverages, and what coverages may be best suited for your insurance. There may be optional coverages you can add onto your policy such as Uninsured/Underinsured Motorist Bodily Injury Protection for greater coverage, with a small cost.
Average Monthly Rates Liability Only
| Carrier | Average Cost |
|---|---|
| National General | $81 |
| Geico | $82 |
| Progressive Insurance | $92 |
| Bristol West | $104 |
| Dairyland | $105 |
| The General | $105 |
In Oklahoma, the minimum liability coverage is 25/50/25, or $25,000 of bodily injury protection per person, $50,000 per accident and $25,000 of property damage protection.
Cheap Oklahoma Car Insurance by Gender and Age
Males, did you know that Insurance companies give you a discount if you are married? It’s true! Studies show married men drive safer than single men do, resulting in a lesser amount of accidents.
Females, did you know that you pay less for Auto Insurance, on average, than males do? I guess this is one more thing you can brag about. Studies show that females cause fewer accidents, resulting in less damage (money for the insurance company). Good for you!
Young drivers often go onto their parents insurance policy for years, until the price starts to drop down. This is because drivers just starting out have less experience, and will often pay an arm and a leg in auto insurance.
By being on a parents policy, the company gives you discounts for multiple vehicles and drivers, which could be cheaper than being on your own policy. Check both ways to make sure you are receiving the cheapest price for your auto insurance.
Gender Comparison Insurance Oklahoma
| Age | Male | Female |
|---|---|---|
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
Cheap Car Insurance Oklahoma Bundling Policies
By keeping your insurance policies with one company, such as your auto, home, motorcycle and even your RV, you will receive discounts resulting in cheap car insurance in Oklahoma.
Most Insurance providers offer several lines of insurance, giving you the opportunity to bundle all of your policies together, to save the most you can.
Bundling will help keep your cheap car insurance Oklahoma policy affordable by saving an additional $15-$20 each month just on your auto Insurance. Not to mention, the average home insurance policy will decrease $60-$120 each year with the bundle discount.
Average cost for auto insurance with bundle discount applied in Oklahoma.
Average Monthly Rates Bundled
| Carrier | Average Cost |
|---|---|
| Dairyland | $128 |
| GAINSCO | $136 |
| Geico | $141 |
| Progressive Insurance | $141 |
| National General | $143 |
Full Coverage Oklahoma
Full coverage in Oklahoma costs will vary depending upon the driver, driving history, and the type of vehicle/coverages desired.
Full coverage insurance includes Comprehensive coverage, and Collision coverage.
Comprehensive will cover for theft, fire, vandalism, glass breakage, hail, and impact with an animal, such as a deer.
Collision will cover your vehicle in the event of an accident with another vehicle or object.
Generally, if you are financing a vehicle, or own a newer vehicle (less than 10 years of age), you should consider full coverage. Although full coverage costs more than liability, it will protect your vehicle in any instance, and there are still ways to keep your full coverage Oklahoma car insurance policy affordable.
TOP 10 Average Monthly Rates For Full Coverage
| Carrier | Average Cost |
|---|---|
| National General | $128 |
| Bristol West | $138 |
| Travelers | $142 |
| USAA | $145 |
| State Farm | $146 |
| Progressive Insurance | $148 |
| Allstate | $160 |
| Geico | $162 |
| American Family | $163 |
| The General | $168 |
Average cost for full coverage insurance which includes comprehensive and collision, along with your chosen liability limit in Oklahoma.
Understanding SR-22 Insurance in Oklahoma
You just got a letter from the State of Oklahoma stating your license is suspended and you need an SR-22?! No need to panic, our insurance experts deal with SR-22 filings every day, and we are here to educate you with everything you need to know about SR-22s.
An SR-22 is also known as a Financial Responsibility Filing, which when added to your auto insurance policy, notifies the State of Oklahoma that you are insured for at least liability coverage. If your Insurance policy ever cancels, or lapses, the Insurance company is obligated to notify the State of that as well.
It is a common misconception that SR-22 Insurance is expensive. SR-22 filings typically cost $0-$25 for each insurance term. The reason your insurance premiums may be higher, is your driving record, not the SR-22. That’s right! That speeding ticket you got, or that accident that happened, caused your rates to go up. You may be surprised at how affordable a liability insurance in Oklahoma policy with an SR-22 filing really is.
Average Monthly Rates SR-22
| Carrier | Average Cost |
|---|---|
| Mendota Ins. Company | $90 |
| National General | $96 |
| Progressive Insurance | $100 |
| Bristol West | $101 |
| The General | $110 |
There are many discounts available to keep your liability insurance in Oklahoma cost low. Insurance
companies offer a wide array of discounts, each a little different. Some of the most common
discounts are Paperless, Pay in full, Auto Pay, Bundling, etc. Not sure what discounts you
quality for? Check with our agents today to see what we can save you on your auto
Insurance.
Cheap Car Insurance Oklahoma: with Good Credit
Credit is used to determine many things, such as buying a home, or financing a new vehicle. That is because credit is a good tool that shows if you can make your payments on time, and shows your debt to income ratio to determine if you can afford those monthly payments.
Insurance companies look at customer’s credit (don’t worry it’s just a soft hit), to determine the cost of insurance, along with other factors of course. If you have Good, or Excellent Credit, you will receive the cheap car insurance Oklahoma prices, keeping your rates affordable.
TOP 3 Average Monthly Rates Good Credit Discount
| Carrier | Average Cost |
|---|---|
| National General | $128 |
| Acceptance RTR | $132 |
| Dairyland | $135 |
What is SR-22 Insurance in Oklahoma?
SR-22 is an attachment that is added onto an Insurance policy, which contains at least the State Minimum Liability Limits, letting the State of Oklahoma know that you are insured.
Is Auto Insurance in Oklahoma Cheap?
On average, insurance in Oklahoma is very affordable, both for liability coverage only, and full coverage.
How can I get my Auto Insurance prices lower?
If you think you are paying too much for auto insurance in Oklahoma, speak with one of our agents today for a free insurance quote. We are able to look at multiple insurance companies to find you the best coverage, for the cheapest price.
Last Updated on by Lauren Mckenzie