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.

Our Top 10 Company Picks: Cheap Auto Insurance in Oklahoma

State Farm stands out with the lowest rates, making it ideal for budget-conscious drivers.

Read More:

• State Farm Auto Insurance Review
• Travelers Auto Insurance Review
• Geico Auto Insurance Review

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.
• Competitive Rates: State Farm offers some of the lowest prices for auto insurance in Oklahoma, making it a top choice for those seeking affordable coverage.
• 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.
• High Rates for High-Risk Drivers: Drivers with a poor driving history may face higher rates, which could make it more challenging to find truly cheap auto insurance in Oklahoma if you have violations.

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#2 – Travelers: Best for Unique Coverage

Pros

• Competitive prices: Provides reasonable prices, particularly for drivers with spotless records. Read more about Travelers’ ratings in our Travelers insurance review for further details on their offerings and customer satisfaction.
• Numerous Coverage Choices: Travelers offers a variety of coverage options, including collision and comprehensive coverage, which is ideal for those seeking affordable auto insurance in Oklahoma.
• Homeowner Discounts: Travelers makes bundling appealing by providing discounts for homeowners, helping you save money on auto insurance and lowering your overall premiums.
• Flexible Payment Options: Travelers allows flexible payment plans, making it easier for 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.
• Higher Premiums for High-Risk Drivers: Drivers with poor driving records may face substantial premium increases, which can impact those seeking affordable auto insurance in Oklahoma.

#3 – Geico: Employee Discounts

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.
• Reliable Claims Process: The company generally receives positive feedback for its claims handling, making it a trusted option for budget-conscious drivers.

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.

• Inconsistent Customer Service: Some customers report varying experiences with Geico’s customer service.

#4 – Progressive:  Best for Affordable Coverage

Pros

• Reasonably priced rates: Progressive is 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.
• Multi-Policy Discounts: Progressive offers significant savings for Oklahoma drivers who bundle their auto, renters, or home insurance policies, resulting in lower overall insurance costs.
• 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

• Claims Satisfaction: Some customers in Oklahoma have reported dissatisfaction with the claims process.
• 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 Loyalty Savings

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 budget.
• Safe Driving Program: Encourages safe driving habits by offering potential savings through programs like DriveMyWay, helping drivers in Oklahoma secure affordable rates.
• Bundling Discounts: Provides significant discounts for Oklahoma drivers who combine multiple policies, such as auto and home insurance, making it easier to find cheap auto insurance.

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 Accident Forgiveness

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.
• Fantastic Bundling Discounts: Offers substantial savings when bundling auto insurance with other policies, such as home insurance, making it easier to secure cheap auto insurance in Oklahoma.
• 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.
• Limited Availability: Nationwide is not available in every state, which may limit access for some drivers.
• 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 Affordable Premiums

Pros

• Customized Coverage: Safeco offers a range of coverage options, including accident forgiveness, new car replacement, and decreasing deductibles, allowing customers to tailor their insurance to meet their specific needs.  For more company details, refer to our Safeco Car Insurance Review.
• Reasonably Priced Rates: Safeco is recognized for offering competitive premiums, particularly for Oklahoma drivers with clean driving records, making it a solid choice for those seeking affordable auto insurance in Oklahoma.
• 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.
• Limited Discount Opportunities: While Safeco offers certain discounts, it may not have as many options as larger competitors, such as Progressive or Geico, which could affect affordability for some drivers.

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#8 – Allstate: Best for Detailed 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.
• Local Agents for Personalized Support: Allstate provides tailored customer service through a wide network of local agents, helping drivers across Oklahoma find the best coverage to meet their needs.
• 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.
• Limited Digital Tools: Allstate’s digital platform and mobile app could be more user-friendly, making policy management less convenient compared to its competitors.

#9 – Farmers: Best for Comprehensive Coverage

Pros

• Outstanding Customer Service: Farmers offers outstanding customer service, including individualized local agent support and round-the-clock claims assistance.  Check out our online Farmers review for more information.
  
• Numerous Coverage Options: Farmers offers a range of coverage choices tailored to Oklahoma drivers, including unique add-ons such as rideshare insurance and new car replacement coverage, ideal for those seeking flexible options.
• Accident Forgiveness: Farmers’ accident forgiveness program helps Oklahoma drivers avoid premium increases after their first at-fault accident, making it an appealing option for accident-prone individuals.
• 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.
• Limited Discount Opportunities: Compared to other companies, Farmers offers fewer discounts, which might not appeal to cost-conscious Oklahoma drivers.
• State Availability: Farmers are not available in all states, which may limit coverage options for some Oklahoma residents.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Customized Coverage: Liberty Mutual offers adaptable plans that can be tailored to meet specific needs, including new car replacement and accident forgiveness.  Learn more about this provider in our thorough Liberty Mutual company review.
  
• Many Discounts: Liberty Mutual offers several discounts tailored for Oklahoma drivers, including savings for students, military personnel, and those bundling multiple policies, helping to make auto insurance more affordable.
• 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.
• Conflicting Claims Reviews: While some Oklahoma drivers report satisfaction, others have voiced frustrations with the claims process, citing delays or complications.
• 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 against severe weather common in the Midwest.

The table below lists the car insurance companies and their rates as a percentage of the national average for affordable auto insurance in Oklahoma.

Oklahoma Auto Insurance Monthly Rates From the Provider vs. State Average

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 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 Monthly Rates by City: Most Expensive vs. Least Expensive

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 – Male vs. Female vs. Age

Younger male drivers in Oklahoma pay the highest premiums, while older female drivers pay the lowest for car insurance.

Oklahoma Auto Insurance Monthly Rates by Provider, 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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Car insurance for a 25-year-old male is the highest, followed by a 25-year-old female. 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.

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.

Read More: Factors Affecting Your Auto Insurance Rates 

Commute Rates by Companies

The table below compares average monthly rates with mileage and commute length in Oklahoma.

Oklahoma Commute Distances Car Insurance Monthly Rates by Provider

Company	10 Miles Commute	25 Miles Commute
	$224.92	$224.92
	Data not available	Data not available
	$226.42	$226.42
	$151.67	$151.67
	Data not available	Data not available
	Data not available	Data not available
	$99.50	$99.50
	Data not available	Data not available
	$155.08	$155.08
	Data not available	Data not available

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Longer commutes can lead to higher insurance rates, but in Oklahoma, they do not typically cause significant increases.

Coverage Level Rates by Companies

Wondering how coverage levels affect cheap auto insurance in Oklahoma? Costs usually decrease with less coverage.

Oklahoma Auto Insurance Monthly Rates by Provider & Coverage Level

See below for information on Oklahoma insurers and how coverage levels impact their monthly rates.

Oklahoma Auto Insurance Monthly Rates by Coverage Level for Top Providers

This table shows that State Farm offers the best mix of high coverage and low average rates. For more coverage details, visit State Farm’s website to find a plan that fits your needs.

This may seem obvious, but less coverage means less protection in the event of a serious accident.

Credit History Rates by Companies

A good credit score helps you get better insurance rates in Oklahoma.

Oklahoma Auto Insurance Monthly Rates by Provider & 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.

Follow Oklahoma driving laws to keep premiums down.

Low-Cost Insurance

If you want to familiarize yourself with cheap auto insurance in Oklahoma and the state’s car insurance laws, look no further! We’ve got you covered on everything from insurance to the rules of the road.

Auto Insurance Discounts From Top Oklahoma Providers

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.

Click here to compare quotes from top providers and find a plan that fits your budget.

The Largest Companies’ Financial Rating

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

AM Best is a global credit rating agency and a trusted source of information on insurance companies worldwide.

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 2018 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.

Best Oklahoma Car Insurance Companies

Finding the right insurer can be challenging due to Oklahoma’s fluctuating auto insurance rates. Researching companies for affordable auto insurance in Oklahoma can be time-consuming, but we’ve made the process easier.

We break down the top-rated and most complained-about providers in the state. Our guide to the Best Oklahoma Auto Insurance includes company rates by coverage level, commute distance, credit score, and driving record, using Quadrant data.

Largest Car Insurance Company in Oklahoma

Take a look at this table to see the largest car insurance companies in Oklahoma, along with their direct premiums.

Oklahoma Financial Ratings From Top Companies

State Farm is the largest auto insurer in Oklahoma, with direct premiums totaling $677,192.

Number of Insurers by State

Number of Licensed Insurers in Oklahoma

Automobile Insurance Fraud in Oklahoma

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.

Read more: Automobile Liability Coverage

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Minimum Coverage Requirements

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

Cheap liability insurance in Oklahoma covers damages you cause to others but not your own injuries or vehicle repairs. Oklahoma’s minimum liability limits are:

• $25,000 for bodily injury or death of one person
• $50,000 for total bodily injury or death per accident
• $25,000 for property damage per accident

If no other coverage applies, cheap auto insurance in Oklahoma may not cover your own damages. Optional collision coverage can help cover the cost of vehicle repairs.

Core Coverage

The table below shows that Oklahoma’s core auto insurance coverage costs more than the national average.

Oklahoma Auto Insurance Monthly Rates by Provider & Coverage Type

Liability coverage pays for damage you cause to others, while comprehensive and collision coverage, included in affordable auto insurance in Oklahoma, covers your vehicle in the event of an accident or weather-related incident.

Forms of Financial Responsibility

In Oklahoma, all drivers are required to carry a minimum amount of liability insurance.

Finding cheap auto insurance in Oklahoma helps meet this requirement without high costs.

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 add-ons are available to expand your Oklahoma coverage plan. Options include:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

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 rates and coverage options.

Auto Insurance Laws

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.

Penalties for Driving Without Insurance

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 members excluded unless noted otherwise)	no more than 1 passenger
Nighttime restrictions	-6 months with driver education -12 months without driver education or until age 18 (minimum age: 16 1/2)
Passenger restrictions	-6 months with driver education -12 months without driver education or until age 18 (minimum age: 16 1/2)

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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. For policy details, visit Geico’s site.

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

Each state has its own seatbelt and car seat laws to protect drivers and passengers.

Oklahoma Car Seat Laws

Type of Car Seat Required	Age
Rear-Facing Child Safety Seat	Younger than 2 years (or until a child outgrows the manufacturer's top height or weight recommendations)
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.

Ridesharing

In Oklahoma, only these insurers allow vehicle registration for rideshare drivers:

• Allstate
• Farmers
• Geico
• Mercury
• State Farm
• USAA.

Ensure you have proper coverage when driving for Uber or Lyft.

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

Type of Offense	Drinking Limits
BAC Limit	0.08
High BAC Limit	0.15
Criminal Status	1st misdemeanor, 2nd+ in 10 years felony
Look Back Period	10 years

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Oklahoma DUI 1st Offense

Consequences	Penalty
License Revoked	1 to 6 months
Jail Time	5 days to 1 year
Fine	no minimum but up to $1,000
Other	IID (ignition interlock) required for 18 months if BAC is 0.15+

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Oklahoma DUI 2nd Offense

Consequences	Penalty
License Revoked	6 months minimum
Jail Time	1-5 years
Fine	no minimum but up to $2,500
Other	IID (ignition interlock) required for 5 years

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Oklahoma DUI 3rd Offense

Consequences	Penalty
License Revoked	1-3 years
Jail Time	1-10 years
Fine	no minimum but up to $5,000
Other	IID (ignition interlock) required for 5 years

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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.

Oklahoma Cellphone Use Laws

Law	Who it Affects
Hand-held ban	Learner's permit and intermediate license holders
Text ban	All drivers
Enforcement	Primary

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Oklahoma’s driving laws ban texting for all drivers to ensure road safety.

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 in State: 111,000 miles Vehicle Miles Driven: 60 billion miles annually
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

The table below shows the top 10 stolen vehicles in Oklahoma.

Top Vehicles Stolen in Oklahoma

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

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Larger vehicles, especially pickup trucks, are more likely to be targeted due to their popularity in the state.

Road Fatalities in Oklahoma

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

Fatalities (All Crashes) By County

The following counties have the highest road fatality rates 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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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

The information below shows the number of deaths by person type from 2013 to 2017:

Oklahoma Traffic Deaths by Person Type

Person Type	2023	2022	2021	2020	2019
Passenger Car Occupants	310	320	350	300	350
Light Pickup Truck Occupants	105	110	120	100	90
Pedestrians	92	95	104	86	90
Large Truck Occupants	76	78	80	75	70
Motorcyclists	68	70	76	62	58
Light Utility Truck Occupants	53	55	60	50	45
Van Occupants	32	33	35	30	40
Bicyclists and Other Cyclists	14	15	13	12	11
Bus Occupants	6	7	6	8	5
Other/Unknown Occupants	51	53	55	50	45
Other/Unknown Non-occupants	21	22	25	20	22
State Total	760	781	828	812	821

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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

Most car crashes in Oklahoma are single-vehicle accidents, followed by collisions involving large trucks.

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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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, focusing on fatalities, from 2013 to 2017.

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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Several intersections in major Oklahoma counties are especially dangerous.

Fatalities Involving Speeding by County

The table below outlines the number of fatalities involving speeding by county.

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

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

Teen drivers experimenting with alcohol contribute significantly to DUI-related fatalities in Oklahoma.

Teen Drunk Driving in Oklahoma Arrests

Teenagers are involved in the most fatal crashes, stressing the need for strong driver education.

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

And there you have it! These are all the major points that you need to know when looking for a car insurance policy in Oklahoma. If you want a free quote or compare rates in your area in the Sooner State, enter your ZIP code to get started.