Oklahoma car insurance costs approximately $1,998 annually for full coverage and $406 for minimum coverage policies, although exact rates depend on individual rating factors and factors unique to each policyholder. To obtain personalized quotes from top carriers in your area, answer the below questionnaire with as much detail as possible about yourself and risk profile as possible.
USAA is Oklahoma’s cheapest major car insurer and also provides some of the lowest rates for drivers with poor credit. If USAA doesn’t suit, State Farm and GEICO offer excellent policies at reasonable rates.
If you want to find ways to save on car insurance premiums, it’s essential that you understand which factors influence them. These could include your age, driving record, coverage level and car model among others. Generally, those with poor driving histories tend to pay higher premiums as insurers assume they pose greater risks of collision.
Drivers who accumulate multiple tickets and at-fault accidents may see their premiums increase as a result; some drivers have seen annual premiums jump up by as much as $2,285 after one incident alone! Furthermore, having been charged with DUI can significantly raise premiums as it labels you as a high-risk driver.
Oklahomans seeking affordable car insurance policies may be advised to buy only the minimum required liability coverage; however, this will only provide minimal protection in case of an accident you cause. Instead, consider opting for comprehensive or collision policies with higher limits to cover repair bills and medical expenses in case something unexpected occurs.
Other factors that could impact your car insurance rates in Oklahoma include how often and where you drive. Sports car owners or those driving high-value vehicles could also incur higher charges. Furthermore, adding teenage drivers could increase rates as these inexperienced motorists tend to increase risk when on the road and potentially get involved in accidents more frequently than their elder counterparts.
Your car insurance costs may increase if your credit score falls short, but finding affordable rates should still be possible. Oklahoma drivers with good credit scores typically pay about $1,114 less annually for coverage compared with those with poor credit scores. To improve your score and lower premiums further, focus on paying off debt and reviewing your report regularly to monitor what information has been reported on.
Finding an auto insurer who meets both affordability and customer service with your desired coverage options can be challenging. By using our free tool, you can compare quotes from various providers quickly. Simply enter your ZIP code below to access a list of affordable providers near you that offer car policies at reasonable rates, then compare costs of each policy before selecting which is right for you.