Cheap Auto Insurance in Oklahoma 2025(Big Savings With These 10 Companies)

Cheap auto insurance in Oklahoma is available from top providers such as State Farm, Travelers, and Geico. These companies offer affordable coverage options that meet the needs of Oklahoma drivers.

Given the state’s severe weather, including tornadoes from March to August, having reliable auto insurance is essential. State Farm stands out with the lowest rates, making it ideal for budget-conscious drivers.

Our Top 10 Company Picks: Cheap Auto Insurance in Oklahoma

Residents in cities such as Oklahoma City, Tulsa, Norman, Lawton, and Broken Arrow can obtain multiple quotes from major insurers.

Compare rates to find the best value and coverage. Start saving on your auto insurance by entering your ZIP code and comparing quotes.

#1 – State Farm: Top Overall Pick

Pros

• Outstanding Customer Service: State Farm is renowned for its robust local agent network and personalized attention. Read more in our full review of State Farm’s auto insurance.
• Strong Financial Stability: With solid financial strength, State Farm ensures reliable and timely claims processing, giving Oklahoma drivers peace of mind when filing claims.
• Safe Driver Discounts: State Farm rewards safe driving with significant savings through programs like Drive Safe & Save, helping Oklahomans lower their premiums.

Cons

• Limited Discounts: Compared to other providers, State Farm offers fewer discount options, potentially limiting ways to save on cheap auto insurance in Oklahoma.
• Average Digital Tools: While functional, State Farm’s website and mobile apps could be enhanced for a more seamless user experience, particularly when managing policies online.

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#2 – Travelers: Best for Roadside Assistance

Pros

• Numerous Coverage Choices: As mentioned in our Travelers insurance review, it offers a variety of coverage options, including collision and comprehensive coverage.
• Homeowner Discounts: It provides discounts for Oklahoma homeowners, helping save money on auto insurance and lowering overall premiums.
• Flexible Payment Options: Travelers allow flexible payment plans, making it easier for Oklahoma customers to manage their insurance costs.

Cons

• Claims Satisfaction Below Average: Some customers have reported dissatisfaction with the claims process, which can be a drawback.
• Limited Support for Local Agents: Travelers rely heavily on digital tools, which may lack the personal touch of local agents.

#3 – Geico: Best for Quick Quotes

Pros

• Low Rates: Geico is renowned for offering some of the lowest rates in the market. Learn more about Geico’s rates in our Geico auto insurance company review.
• Strong Web Presence: Geico provides a user-friendly web platform and mobile app for managing policies, making it convenient for Oklahoma drivers seeking cheap auto insurance.
• Variety of Discounts: Geico offers numerous discounts, including multi-policy, good driver, and military discounts, helping to lower insurance costs in Oklahoma.

Cons

• Limited Agent Network: Primarily relies on digital tools, which may not offer the personalized agent support some customers prefer in Oklahoma.
• Higher Rates for High-Risk Drivers: Oklahoma drivers with a history of accidents or poor credit may face higher premiums compared to those with a clean record.

#4 – Progressive: Best for Discounts Available

Pros

• Reasonably priced rates: It’s recognized for offering competitive rates, especially for high-risk drivers. Our comprehensive Progressive review provides more detail on this topic.
• Snapshot Program: This usage-based program offers Oklahoma drivers the opportunity for significant discounts based on safe driving habits, promoting affordable auto insurance.
• Robust Digital Tools: Oklahoma residents can utilize an intuitive mobile app and online platform to easily manage their policies and file claims, ensuring convenience.

Cons

• High Rates for Low-Risk Drivers: In Oklahoma, drivers with clean driving records may not be eligible for the lowest available rates.
• Limited Agent Support: Progressive’s reliance on digital tools may limit the availability of personalized support for customers in Oklahoma.

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#5 – American Family: Best for Family Plans

Pros

• Personalized Service: Well-known for providing excellent customer service via a network of local agents. Find out more about the American Family in our American Family review.
• Flexible Coverage Options: Offers a wide range of coverage choices, enabling Oklahoma drivers to tailor their insurance plans to their individual needs and budgets.
• Safe Driving Program: Encourages safe driving habits by offering potential savings through programs like DriveMyWay, helping drivers in Oklahoma secure affordable rates.

Cons

• Restricted Availability: Not available in all states, limiting access for some Oklahoma residents seeking affordable coverage.
• Higher Premiums for High-Risk Drivers: Drivers with poor credit, a history of accidents, or other risk factors may face higher premiums compared to other drivers in Oklahoma.
• Average Claims Process: Some customers have reported delays or challenges in the claims handling process, which can impact customer satisfaction.

#6 – Nationwide: Best for Safe Drivers

Pros

• Variety of Coverage: Offers a wide range of coverage options, including vanishing deductibles and accident forgiveness. You can learn more in our Nationwide auto insurance review.
• On Your Side Review: Provides yearly policy evaluations to help Oklahoma drivers ensure they’re getting the most competitive and affordable rates for their auto insurance.
• Robust Financial Foundation: Nationwide’s strong financial stability ensures that Oklahoma drivers can rely on timely and dependable claims payments.

Cons

• Average Rates: While Nationwide offers competitive rates, they may not always be the lowest for those seeking the most affordable auto insurance in Oklahoma.
• Slower Claims Processing: Some customers have reported delays in claims processing, which could be a drawback for Oklahoma residents seeking quick resolution.

#7 – Safeco: Best for Customizable Coverage

Pros

• Customized Coverage: Safeco offers a range of coverage options, including accident forgiveness and decreasing deductibles. Learn more in our Safeco Car Insurance Review.
• Bundling Discounts: Oklahoma customers can save significantly by bundling auto insurance with other policies, such as renters’ or homeowners’ insurance, for further cost reductions.
• Roadside Assistance: Safeco provides comprehensive roadside assistance as an add-on, offering peace of mind to drivers in Oklahoma during emergencies.

Cons

• Restricted Availability: Safeco’s services are not available in every state, which could limit access for some Oklahoma drivers.
• Average Customer Service: Safeco has received mixed reviews regarding customer service, with some Oklahoma customers expressing dissatisfaction with the claims process.

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#8 – Allstate: Best for High Coverage

Pros

• Large Discounts: Allstate offers several discounts, including safe driver and excellent student discounts. Read more about this provider in our Allstate auto insurance review.
• Claim Satisfaction Guarantee: If Oklahoma customers are unsatisfied with their claims process, they may be eligible for a refund, ensuring peace of mind when filing claims.
• Accident Forgiveness: Oklahoma drivers can benefit from Allstate’s Accident Forgiveness, which protects them from premium increases after their first at-fault accident.

Cons

• Higher Premiums: Allstate’s rates are more expensive than those of other competitors, which may impact those seeking affordable auto insurance in Oklahoma.
• Average Claims Satisfaction: Some Oklahoma customers have expressed mixed feelings about how their claims were handled, citing occasional delays.

#9 – Farmers: Best for Farm Owners

Pros

• Outstanding Customer Service: Farmers offers outstanding customer service, including individualized local agent support and round-the-clock claims assistance.
• Accident Forgiveness: Farmers’ accident forgiveness program helps Oklahoma drivers avoid premium increases after their first at-fault accident.
• Bundling Discounts: By bundling auto and home insurance, Oklahoma customers can access significant discounts, which help them save on their overall insurance costs.

Cons

• Higher Premiums: Farmers’ premiums tend to be higher than those of some competitors, which may impact those searching for affordable auto insurance in Oklahoma.
• State Availability: Farmers are not available in all states, which may limit coverage options for some Oklahoma residents. Check out our Farmers review for more information.

#10 – Liberty Mutual: Best for Comprehensive Plans

Pros

• Customized Coverage: Liberty Mutual offers adaptable plans, including new car replacement and accident forgiveness. Learn more in our Liberty Mutual company review.
• Robust Digital Tools: Oklahoma drivers can manage their policies and file claims easily through Liberty Mutual’s user-friendly mobile app, making insurance more accessible.
• Financial Stability: Liberty Mutual’s robust financial foundation ensures reliable claim payouts for Oklahoma customers, providing peace of mind in the event of an accident.

Cons

• Higher Rates: Some Oklahoma drivers may find Liberty Mutual’s rates higher than those of other providers, potentially limiting their options for affordable auto insurance.
• Limited Agent Support: Relying primarily on digital tools, Liberty Mutual may not offer the personalized agent support some Oklahoma drivers prefer.

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Cheap Auto Insurance in Oklahoma

Finding cheap auto insurance in Oklahoma can vary by location. If you’re seeking the lowest rates, you’re in the right place. Oklahoma drivers often need coverage that protects them against severe weather, which is common in the Midwest.

Oklahoma Auto Insurance Monthly Rates by Coverage Level

For more details, continue reading to discover the Cheapest Auto Insurance Companies and find the best rates that fit your budget.

Cheapest Rates by ZIP Code

Where you live affects your car insurance rates. Use the table below to compare cheap auto insurance in Oklahoma by ZIP code.

Oklahoma Auto Insurance Full Coverage Monthly Rates by ZIP Code

For affordable options, see the cheapest auto insurance companies offering reliable coverage at competitive rates.

Cheapest Rates by City 

Your city can impact your car insurance costs. Refer to the table below to view rates by city.

Oklahoma Auto Insurance Full Coverage Monthly Rates by City

Tulsa and Oklahoma City have the highest rates, while smaller areas tend to offer cheaper options. You can use our free online tool to compare rates from top providers and secure cheap auto insurance in Tulsa.

Premiums as a Percentage of Income

If you’re concerned about how much of your income goes toward car insurance, refer to the table below. It shows the percentage of income spent on premiums in Oklahoma.

Oklahoma Auto Insurance Monthly Costs vs. Percentage of Income

From 2012 to 2014, this percentage remained steady, dropping slightly from 2.42% to 2.41%. Oklahoma’s insurance-to-income ratio is average compared to neighboring states and below the national average.

For more ways to save, explore how auto insurance premiums affect overall costs.

Demographic Rates in Oklahoma

Cheap auto insurance in Oklahoma varies by gender despite the assumption that it shouldn’t. In most states, females often face higher premiums, illustrating the impact of gender on nationwide rates.

Oklahoma Auto Insurance Full Coverage Monthly Rates by Age & Gender

Insurance Company	Age: 17 Female	Age: 17 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 60 Female	Age: 60 Male
	$595	$698	$202	$214	$194	$195	$167	$175
	$550	$600	$171	$202	$170	$180	$143	$145
	$758	$777	$226	$241	$199	$198	$159	$170
	$552	$589	$133	$137	$188	$205	$134	$148
	$590	$670	$258	$270	$170	$180	$186	$203
	$620	$700	$197	$216	$180	$190	$143	$151
	$884	$992	$198	$213	$223	$212	$123	$132
	$600	$610	$200	$210	$210	$210	$175	$180
	$406	$513	$140	$157	$160	$160	$107	$107
	$650	$720	$153	$166	$200	$210	$128	$129

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Younger male drivers in Oklahoma pay the highest premiums, while older female drivers pay the lowest for car insurance. Car insurance for a 25-year-old male is the highest, followed by a 25-year-old female.

Choosing cheap auto insurance in Oklahoma isn’t just about price—it’s about ensuring you have the right coverage to protect against unexpected risks.

Tracey L. Wells Licensed Insurance Agent & Agency Owner

A 60-year-old male pays the second lowest, while a 60-year-old female pays the least. In Oklahoma, younger males are perceived as more irresponsible, resulting in higher premiums compared to females.

Even older males pay more than females of the same age in Oklahoma.

Read More: Factors Affecting Your Auto Insurance Rates 

Commute Rates by Companies

The table below shows Oklahoma’s average monthly car insurance rates by daily commute distance. A couple of insurers charge slightly more for longer commutes, but otherwise, the rate differences are negligible.

Oklahoma Auto Insurance Full Coverage Monthly Rates by Annual Mileage

Company	6,000 Miles	12,000 Miles
	$225	$238
	$199	$211
	$226	$240
	$152	$161
	$210	$223
	$205	$218
	$100	$109
	$188	$199
	$155	$166
	$192	$205

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Even longer commutes might lead to marginally higher rates, but their impact on Oklahoma car insurance costs is usually insignificant. Most insurance companies in Oklahoma offer competitive prices regardless of how much you drive, so it is simpler to be able to afford good coverage that meets your requirements.

Credit History Rates by Companies

Having a strong credit score can lead to more favorable insurance premiums in Oklahoma, making your coverage more affordable.

Oklahoma Auto Insurance Full Coverage Monthly Rates by Credit Score

Experian reports the average credit score for Oklahoma drivers is 656, ranking the state among the 10 lowest in the U.S.

Driving Record Rates by Companies

Your driving record affects your insurance rates in Oklahoma. Fewer accidents mean lower rates, while frequent incidents raise costs.

Oklahoma Auto Insurance Full Coverage Monthly Rates by Driving Record

Maintaining a clean driving record is one of the best ways to keep insurance rates low in Oklahoma. A single ticket or accident can cause significant rate increases, so driving safely can pay off in the long run—literally.

Getting Low-Cost Insurance in Oklahoma

Several insurers offer discounts for low mileage, paperless billing, or anti-theft devices. You can find reasonably priced vehicle insurance and lower premiums by exploring discounts.

Auto Insurance Discounts From Top Oklahoma Providers

To receive the best rate on Oklahoma car insurance, request all available discounts when shopping around for quotes. Bundle multiple discounts like good driver, or anti-theft devices as it can result to significant savings in the long run.

The Largest Companies’ Financial Rating

AM Best is a global credit rating agency and a trusted source of information on insurance companies worldwide. Take a look at the list of companies and the ratings they received from A.M. Best in this table.

Oklahoma Financial Ratings From Top Companies

Their analysis and research of thousands of companies offer a unique perspective on which company to choose when purchasing an insurance policy.

Companies with Best Ratings

According to a study done by J.D. Power, auto insurance customers are the most satisfied with their carriers because of positive customer service experience. See the table below for Oklahoma auto insurance companies with the best ratings based on a 2019 J.D. Power study.

Despite rising premiums, customers are generally satisfied with both digital and live interactions, which improves the overall experience when searching for affordable auto insurance in Oklahoma.

Companies with the Most Complaints in Oklahoma

The table below displays complaint data last published in 2017 on the Oklahoma Insurance Commissioner’s site.Auto Insurance Companies With Most Complaints in Oklahoma

Providers	Complaint Ratio	Total Complaints
	0.70	1,000
	0.75	900
	0.65	850
	0.80	1,200
	0.60	800
	0.85	1,100
	0.50	500
	0.55	600
	0.40	400
	0.45	450

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A Reddit user noted Oklahoma premiums rising despite discounts and low mileage. Multiple coverage tiers are available for affordable auto insurance in Oklahoma; compare quotes and consider taking a defensive driving course to save.

Consider both positives and negatives when choosing cheap auto insurance in Oklahoma. Customer complaints can reveal how well a company communicates with clients.

Automobile Insurance Fraud in Oklahoma

In Oklahoma, car insurance fraud happens often. People stage accidents, lie about their claims and put false information on their policies. It’s a crime that costs everyone more and can land you in jail.

Approximately 10% of annual insurance losses result from fraud committed by applicants, policyholders, or claimants. This includes applicants, policyholders, third-party claimants, and other interested parties.

Minimum Coverage Requirements in OKC

Oklahoma is a “fault” car accident state, meaning the driver who caused the accident is financially responsible for the resulting damages.

Auto Insurance Minimum Coverage Requirements in Oklahoma

These damages can include injuries, lost income, vehicle damage, and other financial losses. If an individual with low income car insurance in Oklahoma suffers injury or damage, they have three options:

• Filing a claim with their own insurance company if the loss is covered under the policy (the insurance company may pursue subrogation against the at-fault driver’s insurer).
• Filing a third-party claim with the at-fault driver’s insurance carrier.
• Filing a personal injury lawsuit in civil court against the at-fault driver.

As an at‑fault driver, you must carry minimum liability coverage and cheap auto insurance in Oklahoma to cover your financial obligations. Liability insurance pays medical bills, property damage, and other expenses for injuries or damages you cause.

Forms of Financial Responsibility

Everyone in Oklahoma is required to show financial responsibility to lawfully drive a motor vehicle. This involves having the means to pay for injuries or damages caused in a car accident.

The most common and universally accepted means is to carry a minimum liability auto insurance policy that is equal to or greater than the state minimum requirements. Oklahoma law, though, does grant a few other means of satisfying this requirement.

Additional Liability

Oklahoma’s average monthly car insurance cost is slightly above the national average and ranks 18th among the most expensive premiums in the U.S., according to the NAIC.

Loss Ratio in Oklahoma

Oklahoma’s 2014 loss ratio was about 65 percent, meaning claims paid equaled 65% of premiums. Approximately 25.9% of Oklahoma drivers are uninsured, although uninsured motorist coverage is not required. Cheap auto insurance in Oklahoma often includes it as an optional add-on.

A loss ratio of over 100 percent indicates that a company is incurring a loss; a ratio that is too low suggests it is not paying enough claims.

Add-ons, Endorsements, and Riders

Affordable additional coverage benefits over standard policy limits are available for Oklahoma auto drivers, like gap insurance, which is good for Oklahoma drivers who have auto loans or leases on their vehicles.

• Gap Insurance: This policy takes care of the difference between what your car is worth and what you’d owe if it were totaled.
• Rental Reimbursement & Roadside Assistance: Covers rental car expenses as well as emergency replacements, such as towing or flat tire repair, for drivers who constantly negotiate rural, long stretches in Oklahoma.
• Personal Umbrella Policy (PUP): Adds an extra layer of liability protection over and above the auto limits, providing peace of mind should serious accidents occur on busy highways in Oklahoma.
• Mechanical Breakdown Coverage: Covers repair for important breakdowns that are not covered under the general policies, and is thus recommended for Oklahomans who have very old or out-of-warranty vehicles.
• Classic & Modified Vehicle Coverage: It is ideal for car lovers in Oklahoma who show their rides at the local auto shows to protect their classic or customized cars.

Tailor your auto insurance coverage based on your needs, budget, and lifestyle, as these protections help Oklahomans be better protected on the road.

Windshield Coverage

When it comes to windshield coverage in Oklahoma, there isn’t much to it. Some insurers may require a specific repair shop, but this requirement varies by insurer. If you’re curious about coverage, read more to know: Does car insurance cover windshield damage or replacement?

High-Risk Insurance

In Oklahoma, “high-risk” drivers are those who have been in an accident. Unfortunately, accidents can happen to even the most careful drivers.

After an accident in Oklahoma, high-risk drivers are required to file an SR-22 form with their insurance provider. The General is a popular provider, offering affordable coverage and support for SR-22 filings. In Oklahoma, you must file an SR-22 form if:

• Your license is suspended or revoked for DUI/DWI
• You’re uninsured and cause an accident
• You injure someone in a serious crash
• You’re caught driving without insurance
• You have too many points on your record

Learn how high-risk auto insurance affects your auto insurance rates and coverage options in Oklahoma.

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Auto Insurance Laws in Oklahoma

Drivers must follow Oklahoma car insurance laws, which require minimum liability coverage for financial responsibility after an accident. Liability insurance also protects others from claims involving injury or property damage.

Driving without insurance in Oklahoma can result in a fine of up to $250, up to 30 days in jail, and license suspension, with a reinstatement fee of $275. Police may seize your plates, issue temporary tags with 10-day liability coverage, and impound your vehicle, adding towing and storage costs.

Proof of insurance is required to drive, register a car, and obtain an Oklahoma license plate.

Read More: Traffic Violations Increase Car Insurance Rates

Statute of Limitations

In Oklahoma, you have two years to file a claim for injury or property damage after an accident.

For more information, read here to learn how to file an auto insurance claim and ensure a smooth process after an accident.

Vehicle Licensing Laws

The REAL ID Act sets federal ID standards; Oklahoma received an enforcement extension through 2019.

It bars federal agencies from accepting IDs from states that don’t meet minimum standards.

Teen Driver Laws

In Oklahoma, you must be at least 15 and a half years old to obtain a learner’s permit and hold it for at least 6 months before getting your license.

Oklahoma Teen Driver License Restrictions

Restrictions	Limitations
Nighttime restrictions	10 p.m. to 5 a.m.
Passenger restrictions (family excluded unless noted)	no more than 1 passenger
Nighttime restrictions	-6 months with driver ed -12 months no driver ed or until 18 (min age: 16½)
Passenger restrictions	-6 months with driver education -12 months without driver ed. or until age 18 (min. age: 16½)

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You must be at least 16 years old and have completed 50 hours of supervised driving, including 10 hours at night, to take your driving test. Know Oklahoma’s auto insurance requirements to avoid penalties and ensure you’re properly covered.

Older Driver License Renewal Procedures

In Oklahoma, licenses must be renewed every four years in person, and a vision test is required for drivers aged 65 and older. Use this time to review your auto insurance and compare policies for better rates.

New Residents

New residents in Oklahoma are required to obtain a license plate and meet the state’s minimum car insurance requirements. Ensure your vehicle complies with safety standards by checking with your provider for inspection requirements.

Rules of the Road

Follow traffic laws and Oklahoma’s Auto Insurance Law to avoid fines and legal issues. Carry minimum liability insurance for financial protection and stay informed to ensure proper coverage.

State Laws in Oklahoma

Complying with Oklahoma’s driving laws helps keep your rates low.

Speed limits, DUI rules, and seatbelt requirements vary by state, so learn the laws before driving. Following Oklahoma’s rules prevents violations and saves on cheap auto insurance in Oklahoma.

Read More: Driving Tips for Road Safety

Fault vs. No-Fault

Oklahoma is an at‑fault state; the driver deemed responsible for a crash must cover the other party’s damages. Adequate liability coverage ensures those costs are paid.

Seatbelt & Car Seat Laws

Oklahoma has specific seatbelt and car seat laws designed to keep drivers, passengers, and especially young children safe on the road.

Oklahoma Car Seat Laws

Type of Car Seat Required	Age
Rear-Facing Child Safety Seat	Under 2 years (or until height/weight limits are exceeded) Child Restraint System: Under four years old
Child Restraint System	Younger than four years old
Child Restraint or Booster Seat	Four to seven years old (can't be taller than 4'9")
Adult Belt Permissible	Over eight years old (or taller than 4'9")

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Auto insurance can cover passengers’ medical expenses through medical payments or personal injury protection (PIP). Understanding this coverage ensures the safety of everyone in your car.

Keep Right and Move Over Laws

In Oklahoma, driving in the left lane under the speed limit is prohibited. Following driving laws and securing proper auto insurance ensures safety and avoids fines.

Speed Limits

Speed limits in Oklahoma range from 70 to 75 mph, depending on the roadway. The table below shows the speed limits on different types of roadways:

Oklahoma Speed Limits

Roadway Type	Speed Limit
Rural Interstates	75 mph
Urban Interstates	70 mph
Other Limited Access Roads	70 mph
Other Roads	70 mph

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Speeding increases insurance premiums, fines, and the risk of accidents. Driving within Oklahoma’s posted speed limits helps you avoid costly fines, maintain lower insurance premiums, and reduce your risk of serious accidents.

Ridesharing

In Oklahoma, only these insurers allow vehicle registration for rideshare drivers: Allstate, Farmers, Geico, Mercury, State Farm, and USAA.

Safety Laws

The most important part of driving is staying safe, especially from impaired drivers.

DUI Laws

In Oklahoma, a first DUI results in a misdemeanor, and a second offense is a felony.

Oklahoma DUI Laws

Category	Details
BAC Limits	0.08% (drivers), 0.04% (CDL), 0.02% (under 21)
1st Offense	10 days–1 year jail, $1,000 fine, 6-mo. suspension
2nd Offense	1–5 years jail, 1-year suspension
3rd Offense	1–10 years jail, 3-year suspension
Aggravated DUI	BAC ≥ 0.15%, interlock device required
Refusal	Automatic license suspension
Non-driving DUI	Still possible if in control of vehicle

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The consequences for drinking and driving are the same as for driving under the influence of marijuana, as THC use is not legalized in Oklahoma.

Distracted Driving Laws

Texting while driving is as dangerous as driving under the influence. Distracted driving remains one of the primary causes of accidents, and Oklahoma has a tough set of laws in place to avoid or minimize these risks.

Oklahoma Cellphone Use Laws

Law	Who it Affects
Hand-Held Ban	Permit and Intermediate Holders
Text Ban	All Drivers
Enforcement	Primary

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To safeguard all road users, Oklahoma imposes a statewide ban against texting while driving, in addition to restrictions on handheld phone use by new drivers. Following these laws can only help you avoid fines, damages, and increased insurance premiums.

Driving in Oklahoma

Lastly, we’ll cover key topics to help you prepare for the road in Oklahoma.

Next, we examine NHTSA data on vehicle theft and road fatalities in Oklahoma—important facts you hope you never need.

Oklahoma’s Car Culture

Pickup trucks like the Ford F‑150 and Dodge Ram dominate Oklahoma, built for its long, flat highways and rocky terrain.

Oklahoma Statistics Summary

Statistics	Details
Road Miles	Total Miles: 111K | Annual Vehicle Miles: 60B
Driving Deaths	Speeding: 32% Drunk Driving: 28%
Vehicles	Registered: 4.4 million Total Stolen: 7,500 vehicles annually
Most Popular Vehicle	Ford F-Series
Average Premiums (Monthly)	Liability: $75 Collision: $110 Comprehensive: $90 Combined Premium: $275
Percentage of Motorists Uninsured	21%
State Rank	47th
Cheapest Provider	State Farm

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Compare rates with the Cheapest Auto Insurance Companies to ensure coverage without overspending, especially for truck owners and off-roading enthusiasts.

Vehicle Theft in Oklahoma

Oklahoma drivers should be aware, vehicle theft is a serious concern across the state, and your auto insurance rates can be affected by the risk of theft. Certain vehicles, particularly popular models like pickup trucks and sedans, are stolen more frequently than others.

Top Vehicles Stolen in Oklahoma

Make & Model	Vehicles Thefts
2021 Honda Civic	1,300
2021 Chevrolet Silverado	1,200
2022 Ford F-150	1,150
2020 Dodge Ram 1500	1,100
2020 Toyota Camry	1,000
2021 Honda Accord	950
2022 Nissan Altima	900
2021 Hyundai Elantra	850
2021 Toyota Corolla	800
2020 Ford Escape	750

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Consider comprehensive coverage as part of your Oklahoma auto insurance policy if you own one of these frequently targeted vehicles. Such protection could cover losses in case of theft, allowing you to drive with some peace of mind.

Road Fatalities in Oklahoma

Tulsa and Oklahoma City record the highest road fatalities in Oklahoma and are among America’s most dangerous intersections, so drivers should exercise extra caution.

Fatalities (All Crashes) By County

Driving in Oklahoma comes with risks, especially in counties with high traffic fatality rates. Knowing which areas have the most dangerous roads can help you stay alert and ensure you have the right auto insurance coverage.

Oklahoma 10 Counties With the Most Traffic Deaths

County	2024	2023	2022	2021	2020
Oklahoma	105	110	100	95	100
Tulsa	90	85	80	75	85
Cleveland	65	60	55	50	60
Canadian	55	50	45	40	50
Comanche	50	45	40	35	45
Le Flore	45	40	35	30	40
Grady	40	35	30	25	35
McClain	35	30	25	20	30
Mayes	30	25	20	15	25
Ottawa	25	20	15	10	20
Top 10 Total	475	440	425	365	510
State Total	670	635	610	550	654

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Oklahoma is an at-fault state, meaning that the driver at fault is responsible for covering the damages in an accident. Understanding At-Fault Accident policies is crucial in high-risk areas.

Traffic Fatalities

Below are the urban and rural road fatalities in Oklahoma. Tulsa and Oklahoma City have the highest number of fatalities due to busy streets and larger populations, although urban areas can be just as hazardous.

Oklahoma 5 Year Trend for Traffic Fatalities

Road Type	2024	2023	2022	2021	2020
Rural	280	275	270	265	260
Urban	1800	1750	1700	1650	1600
Total	2100	2025	1970	1915	1860

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For drivers in high-risk areas, understanding high-risk auto insurance is essential for obtaining adequate coverage in the event of an accident.

Fatalities by Person Type

Road safety is a concern that touches everyone. From 2019 to 2023 in Oklahoma, traffic fatalities highlight that passenger car occupants make up the largest group impacted. However, pedestrians and motorcyclists also face significant risks.

Oklahoma Traffic Deaths by Person Type

Person Type	2024	2023	2022	2021	2020
Passenger Car Occupants	450	440	430	420	300
Motorcyclists	160	150	145	140	62
Light Pickup Truck Occupants	150	140	130	125	100
Pedestrians	120	115	110	105	86
Light Utility Truck Occupants	110	105	100	95	50
Large Truck Occupants	90	85	80	75	75
Van Occupants	80	75	70	65	30
Bicyclists & Other Cyclists	70	65	60	55	12
Other/Unknown Non-occupants	50	48	45	42	20
Other/Unknown Occupants	30	28	25	22	50

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When someone dies, an auto insurance policy remains active until the end of the term. However, the family or executors must contact the insurer to update or adjust the policy.

Fatalities by Crash Type

The data below reveals the most deadly types of collisions in Oklahoma, with single-vehicle accidents such as rollovers and roadway departures are causing nearly half of all fatalities.

Oklahoma Fatalities by Crash Type

Crash Type	2024	2023	2022	2021	2020
Total Fatalities (All Crashes)	750	740	730	762	652
Single Vehicle	380	370	365	380	332
Involving a Large Truck	105	100	98	99	80
Involving Speeding	215	210	200	206	156
Involving a Rollover	160	155	145	150	120
Involving a Roadway Departure	210	205	200	210	180
Involving an Intersection (or Intersection Related)	165	160	155	160	140

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Crashes involving large trucks and speeding also contribute significantly to the state’s road deaths. Collision auto insurance helps cover the costs of vehicle damage in these accidents, providing financial protection.

Five-Year Trend for the Top 10 Counties

The Most Fatal Intersections in America highlight the risks of high-traffic areas. The table below presents a five-year trend for the top 10 counties in Oklahoma.

Oklahoma 10 Counties With the Most Traffic Deaths

County	2024	2023	2022	2021	2020
Oklahoma	105	110	100	95	100
Tulsa	90	85	80	75	85
Cleveland	65	60	55	50	60
Canadian	55	50	45	40	50
Comanche	50	45	40	35	45
Le Flore	45	40	35	30	40
Grady	40	35	30	25	35
McClain	35	30	25	20	30
Mayes	30	25	20	15	25
Ottawa	25	20	15	10	20
Top 10 Total	475	440	425	365	510
State Total	670	635	610	550	654

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If you frequently drive through these high-risk counties, it’s crucial to ensure your auto insurance policy provides adequate protection. Oklahoma’s at-fault laws mean you could be held financially responsible for accidents especially in areas with consistently high fatality rates. The table below outlines the number of fatalities involving speeding by each county in Oklahoma.

Oklahoma Speeding Deaths by County

County	2024	2023	2022	County	2024	2023	2022
Adair	3	2	4	Alfalfa	1	0	1
Atoka	2	1	2	Beaver	1	0	1
Blaine	1	1	1	Beckham	2	1	2
Bryan	4	3	3	Carter	3	2	4
Caddo	3	2	3	Cimarron	1	0	1
Canadian	5	4	6	Coal	1	1	1
Cherokee	4	3	5	Cotton	1	1	1
Choctaw	2	1	2	Ellis	1	1	1
Cleveland	6	5	6	Garfield	2	1	2
Comanche	6	5	6	Garvin	9	8	10
Craig	13	13	8	Grady	12	6	7
Creek	11	9	3	Grant	5	9	11
Custer	7	10	11	Greer	7	11	8
Delaware	4	12	9	Harmon	9	10	5
Dewey	6	7	9	Harper	13	12	8
Hughes	10	4	12	Haskell	8	5	7
Johnston	8	6	6	Jackson	10	11	9
Kay	11	13	8	Jefferson	5	4	6
Le Flore	5	4	6	Kingfisher	2	3	2
Logan	3	4	3	Kiowa	1	2	1
Love	1	1	1	Latimer	2	2	3
Mayes	4	3	4	Lincoln	2	2	3
McClain	4	5	4	Major	1	1	2
McCurtain	6	8	7	Marshall	3	2	3
Muskogee	5	6	5	McIntosh	3	2	4
Oklahoma	15	12	14	Murray	2	3	2
Osage	3	4	5	Noble	1	2	1
Ottawa	2	2	3	Nowata	1	1	1
Pawnee	2	3	2	Okfuskee	1	1	1
Payne	4	3	5	Okmulgee	1	1	2
Pittsburg	3	2	4	Pottawatomie	3	4	5
Pontotoc	2	2	1	Pushmataha	1	2	1
Rogers	5	4	6	Roger Mills	0	1	1
Seminole	1	1	2	Stephens	2	3	2
Sequoyah	4	5	4	Tillman	1	1	1
Texas	2	3	3	Wagoner	5	6	7
Tulsa	12	15	14	Washita	1	1	2
Washington	3	2	3	Woods	1	1	1
Woodward	1	2	1

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The consequences and dangers of speeding are evident in Oklahoma, where speeding-related fatalities vary by county.

Fatalities in Crashes Involving an Alcohol-Impaired Driver

Drunk driving remains one of Oklahoma’s deadliest risks on the road, with certain counties seeing consistently high numbers of alcohol-related fatalities.  The table below displays crash fatalities involving alcohol-impaired drivers across Oklahoma counties.

Oklahoma Top 10 County With DUI Deaths

County Name	2024	2023	2022
Tulsa	45	44	43
Cherokee	43	42	42
Creek	40	39	39
Washington	39	38	38
Pottawatomie	38	37	37
Muskogee	37	36	36
Oklahoma	34	34	33
Wagoner	33	32	32
Rogers	25	24	24
Comanche	25	24	24

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Cheap auto insurance after a DUI helps drivers regain coverage at lower costs, as drunk driving remains a major cause of crashes and fatalities in Oklahoma.

Teen Drinking and Driving

Underage drunk driving remains a critical safety issue in Oklahoma, with teen drivers accounting for a disproportionate number of alcohol-related crashes and fatalities. Teen drivers experimenting with alcohol contribute significantly to DUI-related fatalities in Oklahoma.

Teen Drunk Driving in Oklahoma Arrests

Since Oklahoma is an at-fault state, parents of teen drivers should ensure their auto policies include robust liability and uninsured motorist coverage. As young drivers face higher risks, both as potential offenders and victims of impaired driving collisions.

EMS Response Time

Despite the high rate of drunk driving fatalities in Oklahoma, EMS response times remain relatively fast in both urban and rural areas.

Oklahoma EMS Response Times: Rural vs. Urban

Knowing the variations in EMS response allows Oklahoma motorists to select suitable levels of coverage – rural motorists might require higher medical payments, while city motorists gain from basic collision coverage.

Getting Cheap Auto Insurance in Oklahoma

State Farm, Travelers, and Geico lead as the top providers for cheap auto insurance in Oklahoma, each offering distinct advantages. State Farm excels with usage-based insurance discounts that can save drivers up to 30%.

Travelers provide exceptional roadside assistance with 24/7 coverage, while Geico features user-friendly digital tools for instant policy management.

Finding affordable auto insurance companies in Oklahoma requires comparing multiple providers, as rates vary significantly based on your location, driving record, and coverage needs. If you want a free quote or compare rates in your area in the Sooner State, enter your ZIP code to get started.