Best Insurance Options in Oklahoma: A Comprehensive Guide

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Oklahoma State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form

State Minimum Car Insurance Requirements in Oklahoma

In Oklahoma, it’s crucial to understand that state law mandates certain minimum car insurance requirements. When you’re looking for insurance quotes in Oklahoma, keep in mind that the state requires all drivers to have liability coverage. This coverage includes:

  • Bodily Injury Liability: Covers injuries to others in an accident you’re found responsible for.
  • Property Damage Liability: Pays for damages to someone else’s property resulting from an accident you caused.

Remember, while these are the minimum requirements, it’s often wise to consider higher coverage limits or additional policies like collision or comprehensive insurance for broader protection.


Oklahoma’s Minimum Car Insurance Requirements

Coverage TypeMinimum Requirement
Bodily Injury Liability$25,000 per person
Bodily Injury Liability$50,000 per accident
Property Damage Liability$25,000 per accident

Note: These figures represent the minimum insurance coverage required by law in Oklahoma.

Cheapest Full Coverage Insurance in Oklahoma

When seeking the cheapest full coverage insurance in Oklahoma, several influential factors impact premium rates. Carriers like State Farm, GEICO, and Progressive offer competitive rates for comprehensive coverage.

Coverage Options: Evaluating comprehensive coverage including liability, collision, and comprehensive insurance is essential for maximum protection.

Insurance CompanyLiabilityCollisionComprehensive
State Farm$50-$80$30-$60$20-$40
GEICO$55-$85$35-$65$25-$45
Progressive$60-$90$40-$70$30-$50

Comparing comprehensive coverage and approximate monthly premiums from leading providers emphasizes the potential for securing the cheapest full coverage insurance in Oklahoma.


To secure the most affordable full coverage insurance in Oklahoma, assessing comprehensive options is crucial. Recognized carriers such as State Farm, GEICO, and Progressive provide competitive rates across key coverage aspects.

Coverage Breakdown: Understanding liability, collision, and comprehensive insurance helps in securing comprehensive protection.

Insurance CompanyLiabilityCollisionComprehensive
State Farm$50-$80$30-$60$20-$40
GEICO$55-$85$35-$65$25-$45
Progressive$60-$90$40-$70$30-$50

Comparing coverage specifics and estimated monthly premiums from these leading providers showcases the potential for accessing the most affordable full coverage insurance tailored to individual needs in Oklahoma.

Least Expensive SR22 Car Insurance in Oklahoma

Finding affordable insurance quotes in Oklahoma, especially for SR22 coverage, can seem daunting, but it doesn’t have to be. If you’re required to carry SR22 insurance in Oklahoma, often due to a DUI or another serious violation, know that costs can vary significantly among providers. Key tips to remember:

  • Shop Around: Rates for SR22 insurance can differ greatly from one insurance company to another. It’s essential to compare quotes.
  • Maintain a Clean Record: Keeping your driving record clean post-SR22 can help reduce your premiums over time.

For the best insurance quotes in Oklahoma for SR22, consider reaching out to various insurers, including those you’re already familiar with, to find the most competitive rates.


SR22 Insurance Rate Comparison in Oklahoma

Insurance CarrierEstimated Annual PremiumCoverage Type
Progressive$1,200SR22
Dairyland$1,150SR22
National General$1,100SR22

Note: These figures are estimates and may vary based on your specific circumstances.

SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Top Car Insurance Discounts in Oklahoma

Securing affordable car insurance in Oklahoma involves capitalizing on various discounts offered by insurers like State Farm, GEICO, and Progressive.

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2024 Insurance quotes in Oklahoma

Discount Types:

  1. Multi-Policy: Combine home and auto insurance with State Farm for potential savings of $300 annually.
  2. Good Student: GEICO offers up to 15% off for students maintaining a B average or higher.
  3. Safe Driver: Progressive rewards safe driving with discounts up to 30% for accident-free records.
Insurance CompanyMulti-Policy DiscountGood Student DiscountSafe Driver Discount
State FarmUp to $300
GEICOUp to 15%
ProgressiveUp to 30%

By leveraging these discounts, policyholders can significantly reduce their premiums, ensuring affordable car insurance in Oklahoma.

Best Liability Only Auto Insurance Rates in Oklahoma

When seeking insurance quotes in Oklahoma for liability-only auto insurance, finding the best rates requires a mix of savvy shopping and understanding your coverage needs. Liability-only insurance is often the most cost-effective option for many drivers, especially those with older vehicles or who are looking to meet state minimum requirements. Key tips include:

  • Understand Coverage Limits: Ensure the policy aligns with Oklahoma’s state minimum requirements and your personal financial situation.
  • Compare Rates: Rates vary between carriers, so it’s essential to get quotes from multiple providers to find the best deal.

Comparing insurance quotes in Oklahoma can be a straightforward process if you know what you’re looking for in terms of coverage and price.


Liability Only Auto Insurance Rate Comparison in Oklahoma

Insurance CarrierEstimated Annual PremiumCoverage Level
Progressive$650Basic
Dairyland$675Basic
National General$700Basic

Note: These rates are estimates and can vary based on individual circumstances.

Car Insurance Rating Factors in Oklahoma

Determining car insurance rates in Oklahoma involves various factors. Insurance carriers such as State Farm, GEICO, and Progressive consider key elements like driving record, location, and vehicle make and model when setting premiums.

Rating Factors:

  1. Driving Record: A clean driving history can lead to lower rates with State Farm offering savings up to $500 annually.
  2. Location: Urban areas, especially Tulsa and Oklahoma City, may experience higher premiums due to higher traffic density.
  3. Vehicle Type: GEICO may offer discounts based on the safety features of the vehicle, potentially saving $300 yearly.
Insurance CompanyClean Driving Record DiscountLocation ImpactVehicle Safety Discount
State FarmUp to $500
GEICOUp to $300
Progressive

Understanding these rating factors aids in securing optimal car insurance rates in Oklahoma.

Most Affordable Broadform/NonOwners Car Insurance in Oklahoma

For those in Oklahoma who don’t own a car but need insurance coverage, exploring options for broadform or non-owners car insurance is a smart move. When looking for insurance quotes in Oklahoma, these policies offer an affordable way to secure liability coverage for various driving scenarios. Here’s what you should consider:

  • Understand Policy Coverage: Broadform insurance covers the individual rather than a specific vehicle, ideal for those who frequently rent or borrow cars.
  • Compare Rates: As with any insurance, rates can vary among providers. It’s crucial to compare quotes to find the most cost-effective option.

Finding the right broadform or non-owner policy in Oklahoma means balancing affordability with adequate coverage, ensuring you’re protected no matter whose vehicle you’re driving.


Broadform/NonOwner Car Insurance Rate Comparison in Oklahoma

Insurance CarrierEstimated Annual PremiumPolicy Type
Progressive$580Non-Owner
Dairyland$605Broadform
National General$630Non-Owner

Note: These figures are estimates and may vary based on individual driving records and other factors.

Cheapest Car Insurance With Good Credit in Oklahoma

Securing affordable car insurance in Oklahoma with a good credit score involves considering multiple insurers such as State Farm, GEICO, and Progressive.

Premium Estimates for Good Credit:

  1. State Farm: Offers potential savings up to $400 annually for drivers with good credit.
  2. GEICO: Provides competitive rates with savings around $300 yearly for good credit profiles.
  3. Progressive: Offers discounts up to $350 annually for policyholders with good credit.
Insurance CompanyPotential Annual Savings for Good Credit
State FarmUp to $400
GEICOAround $300
ProgressiveUp to $350

Leveraging your good credit can significantly reduce car insurance rates in Oklahoma when partnering with these top insurers.

Least Expensive Car Insurance With Bundle/Homeowners Discount in Oklahoma

In Oklahoma, bundling your car insurance with a homeowners policy can lead to significant savings. When you’re on the hunt for insurance quotes in Oklahoma, consider insurers who offer discounts for multiple policies. Here’s why this strategy can be beneficial:

  • Bundle Discounts: Combining your home and auto insurance with the same provider often leads to lower premiums for both policies.
  • Simplified Insurance Management: Having both policies under one insurer streamlines policy management and claims processes.

To get the most out of your insurance quotes in Oklahoma, it’s worth exploring options that offer bundling discounts. This approach not only saves money but also simplifies your insurance experience.


Car Insurance Bundle Rate Comparison in Oklahoma

Insurance CarrierStandard Car Insurance PremiumBundled Premium with Homeowners
Progressive$1,200$1,080
Dairyland$1,150$1,035
National General$1,100$990

Note: These figures are estimates and may vary based on specific coverage details and individual circumstances.

How DUIs/Violations Tickets Affect Insurance in Oklahoma

Receiving a DUI or traffic violation ticket significantly impacts car insurance rates in Oklahoma. Insurers like State Farm, GEICO, and Progressive generally increase premiums following such incidents.

Impact on Premiums:

  1. State Farm: A DUI can lead to a potential increase of $150-$300 monthly.
  2. GEICO: Traffic violations may raise premiums by $100-$250 monthly.
  3. Progressive: DUIs might result in a surge of $200-$350 monthly in insurance costs.
Insurance CompanyMonthly Increase After DUI/Violation
State Farm$150-$300
GEICO$100-$250
Progressive$200-$350

Understanding the impact of these incidents is crucial for policyholders to anticipate and manage increased car insurance costs in Oklahoma.

Least Expensive Auto Insurance With Clean Driving History in Oklahoma

Having a clean driving history in Oklahoma can significantly lower your insurance quotes. In Oklahoma, a spotless driving record is often rewarded with the most competitive rates. Here’s how it works:

  • Lower Risk, Lower Rates: Insurers view drivers with no violations or accidents as lower-risk, which typically translates into more affordable premiums.
  • Check for Additional Discounts: Besides the standard rate reductions for a clean history, inquire about additional discounts like good driver or defensive driving course bonuses.

Remember, maintaining a spotless driving record not only ensures your safety but also makes for the most economical insurance quotes in Oklahoma.


Rate Comparison for Clean Driving History in Oklahoma

Insurance CarrierStandard Annual PremiumPremium with Clean History
Progressive$1,200$1,080
Dairyland$1,150$1,035
National General$1,100$990

Note: These figures are estimates and may vary based on specific policy details.

How to Save Money on Homeowners Insurance in Oklahoma

Looking for ways to reduce your homeowners insurance costs in Oklahoma? You’re in the right place. Being savvy about your insurance quotes in Oklahoma can lead to substantial savings on your home insurance policy. Here’s how:

  • Increase Your Deductible: Opting for a higher deductible can significantly lower your premiums. Just make sure it’s an amount you can comfortably afford in case of a claim.
  • Explore Discounts: Many insurers offer discounts for various reasons – from installing security systems to being claim-free. Always ask about available discounts.

Adopting these strategies can help you find more affordable insurance quotes in Oklahoma for your homeowners insurance, ensuring you’re not overpaying for your coverage.


Homeowners Insurance Savings Comparison in Oklahoma

Insurance CarrierStandard Annual PremiumPremium with Discounts
Progressive$1,200$1,080
Dairyland$1,150$1,035
National General$1,100$990

Note: These figures are estimates and may vary based on specific coverage options and discounts.

Top Rating Factors for Home Insurance in Oklahoma

Securing the right home insurance in Oklahoma is influenced by several key factors. Insurers like State Farm, Allstate, and Farmers consider dwelling value, location, and claim history as significant determinants for setting premiums.

Rating Factors:

  1. Dwelling Value: State Farm may offer coverage up to $300,000 for homes in urban areas like Oklahoma City.
  2. Location Impact: Allstate typically adjusts premiums based on the risk level of the neighborhood.
  3. Claim History: Farmers evaluates rates considering previous claims, affecting premiums accordingly.
Insurance CompanyDwelling Value CoverageLocation ImpactClaim History
State FarmUp to $300,000
AllstateRisk-based
FarmersClaim-based

Understanding these factors assists homeowners in securing optimal home insurance tailored to their specific needs in Oklahoma.

Best Motorcycle Insurance in Oklahoma

Riding through the roads of Oklahoma calls for the right motorcycle insurance, and getting the best insurance quotes in Oklahoma requires a bit of know-how. Motorcycle insurance in Oklahoma isn’t just about complying with legal requirements; it’s about ensuring your peace of mind. Here’s what to consider:

  • Coverage Options: Look for insurers that offer a range of coverages, from liability to comprehensive, to match your specific needs.
  • Discount Opportunities: Many insurers offer discounts for safe riding records, multiple policies, or even for being part of riding clubs.

Securing the best insurance quotes in Oklahoma means finding a balance between adequate coverage and affordability. Don’t hesitate to shop around and compare different options.


Motorcycle Insurance Rate Comparison in Oklahoma

Insurance CarrierStandard Annual PremiumPremium with Discounts
Progressive$800$720
Dairyland$780$702
National General$750$675

Note: These figures are estimates and may vary based on your riding history and the specifics of your bike.


This guide, complemented by the comparison table, is designed to provide insights into finding optimal motorcycle insurance in Oklahoma. The table illustrates potential premium differences and the impact of various discounts, emphasizing the importance of thorough research and comparison when looking for insurance quotes in Oklahoma.

Business Liability Insurance in Oklahoma

Securing comprehensive business liability insurance in Oklahoma is crucial for any business owner. When looking for insurance quotes in Oklahoma, it’s essential to consider how different policies protect against various risks. Key points include:

  • Risk Coverage: Ensure the policy covers a range of risks, including property damage, legal liability, and employee-related risks.
  • Policy Customization: Look for insurers who offer customizable policies. Tailoring your coverage to your business’s specific needs can provide better protection and potentially lower costs.

Choosing the right business liability insurance in Oklahoma is about finding the perfect balance between comprehensive coverage and affordability. It’s advisable to compare policies and discuss with insurance experts to ensure your business is well-protected.


Business Liability Insurance Rate Comparison in Oklahoma

Insurance CarrierStandard Annual PremiumPremium with Customization
Progressive$1,400$1,260
National General$1,350$1,215
Travelers$1,300$1,170

Note: These figures are estimates and may vary based on the specific needs of your business.

Exploring Insurance Options Across Oklahoma’s Top 20 Cities

Auto insurance rates can vary significantly based on location within Oklahoma. Factors like population density, crime rates, traffic congestion, and local weather conditions can impact insurance premiums. Below is a list of the top 20 cities in Oklahoma and a brief insight into how these locations may influence auto insurance rates.

  1. Oklahoma City – Higher traffic volume and urban density might lead to increased premiums.
  2. Tulsa – Urban density and higher crime rates could impact insurance costs.
  3. Norman – Moderate traffic, but densely populated areas might influence rates.
  4. Broken Arrow – Growing city, potential for increased accidents affecting rates.
  5. Lawton – Lower population density might result in relatively lower premiums.
  6. Edmond – Moderate traffic and lower crime rates might contribute to stable insurance rates.
  7. Moore – Moderate traffic with occasional severe weather could influence insurance premiums.
  8. Midwest City – Urban density may increase accident rates and insurance costs.
  9. Enid – Lower traffic volume could potentially result in lower insurance premiums.
  10. Stillwater – Influence of a younger demographic from the college town might affect insurance rates.
  11. Muskogee – Potential variations in rates due to localized traffic and crime patterns.
  12. Bartlesville – Consideration for traffic density and local weather in determining premiums.
  13. Shawnee – Traffic conditions and crime rates could influence insurance costs.
  14. Owasso – Moderately dense area might have stable insurance rates.
  15. Ardmore – Consideration for localized weather and traffic effects on premiums.
  16. Ponca City – Traffic density may affect insurance rates.
  17. Yukon – Population density might impact insurance costs.
  18. Duncan – Localized traffic patterns could influence insurance premiums.
  19. Del City – Urban area considerations may impact insurance rates.
  20. Bixby – Moderate traffic density might contribute to stable insurance rates.

Safety Feature Discounts for Auto Insurance

Equipping your vehicle with safety features can earn you substantial discounts. Consider Safety Device Installation, Anti-Lock Brakes, and Anti-Theft System incentives.

Safety Devices
Anti-Lock Brakes
Anti-Theft System

How to Get a Free Insurance Quote in Oklahoma

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

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Frequently Asked Questions about Insurance Quotes in Oklahoma


What Are the Minimum Car Insurance Requirements in Oklahoma?

In Oklahoma, the minimum car insurance requirements are $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. It’s important to consider purchasing more than the minimum limits to ensure adequate coverage.

How Can I Get the Best Insurance Quote in Oklahoma?

To get the best insurance quote in Oklahoma, it’s advisable to compare quotes from multiple insurers. Consider factors like coverage options, deductibles, and discounts. For personalized assistance, feel free to call us at 1.888.445.2793.

Are There Discounts Available for Auto Insurance in Oklahoma?

Yes, there are various discounts available for auto insurance in Oklahoma, such as safe driver discounts, multi-car discounts, and discounts for anti-theft devices.

Insurance quotes in Oklahoma

To receive insurance quotes in Oklahoma, you can contact us directly at 1.888.445.2793 or visit our website for an online quote. Our team will assist you in finding the best insurance options based on your specific needs.
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Last Updated on by Lauren Mckenzie

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