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

Ultimate Guide to Cheap Auto Insurance in Oklahoma (Costs + Coverage)

When securing cheap auto insurance in Oklahoma, it’s essential to be well-prepared, especially in a state known for its vast plains and unpredictable weather. Powerful and catastrophic tornadoes often strike from March to August, making the need for reliable car insurance crucial in emergencies.

State Farm offers cheap auto insurance in Oklahoma, with rates starting at $29, making it a great choice for budget-conscious drivers seeking reliable coverage.

With affordable rates and comprehensive options, State Farm ensures Oklahoma drivers get the protection they need without overspending.

Our Top 10 Company Picks: Cheap Auto Insurance in Oklahoma

Compare RatesStart Now →

 

Searching for cheap auto insurance in Oklahoma? Residents in Oklahoma City, Tulsa, Norman, Lawton, or Broken Arrow, can access up to ten local rate quotes from major insurers. Prices vary by insurer, but top companies like State Farm, Travelers, and Geico offer competitive rates for cheap auto insurance in Oklahoma. Compare options thoroughly to find the best value and coverage for your needs.

You just have to click here for a free quote for the best rates in your area.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#1 – State Farm: Top Overall Pick

Pros

• Outstanding Customer Attention: State Farm is renowned for its robust local agent network and individualized attention.
• Competitive Rates: Provides some of the lowest prices in the sector.
• Strong Financial Strength: Strong financial standing guarantees dependable and timely claims handling.
• Safe Driver Discounts: Provides substantial savings on safe driving through initiatives like Drive Safe & Save.

Cons

• Restricted Discounts: State Farm offers fewer discounts than its rivals.
• Average Digital Tools: Both the website and mobile apps could use some improvement.
• High Rates for High-Risk Drivers: Individuals with a bad driving record may see a considerable increase in premiums.

#2 – Travelers: Best for unique Coverage

Pros

• Competitive prices: Provides reasonable prices, particularly for drivers with spotless records.
• Numerous Coverage Choices: Travelers offer a range of coverage choices, such as collision and comprehensive coverage.
• Homeowner Discounts: Bundling is appealing since homeowners can receive additional discounts.
• Flexible Payment Options: Gives clients the option to select flexible payment plans.

Cons

• Claims Satisfaction Below Average: A few clients express frustration with the claims procedure.
• Limited Support for Local Agents: Mostly digital tools that might not be as personable.
• Higher Premiums for High-Risk Drivers: Travelers’ premiums may increase significantly for high-risk drivers.

#3 – Geico: Employee Discounts

Pros

• Low Rates: Geico is renowned for providing some of the market’s lowest rates.
• Strong web Presence: Provides an easy-to-use web platform and mobile app for managing policies.
• Discounts: Geico offers a variety of discounts, such as multi-policy and military discounts.
• Reliable Claims Process: Its claims procedure typically garners favorable comments.

Cons

• Restricted Agent Network: Mainly depends on internet resources, which might not provide individualized agent assistance.
• Higher Rates for High-Risk Drivers: Drivers with a history of accidents or bad credit may pay higher premiums.
• Poor Customer Service: A few clients have had conflicting experiences with customer service.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#4 – ProgressivePros

 

• Reasonably priced rates: Progressive is renowned for providing affordable rates, particularly for high-risk drivers.
• Snapshot Program: This usage-based program offers possible discounts as a reward for safe driving practices.
• Discounts for several policies: Progressive provides substantial savings when combining vehicle, renters, and home insurance.
• Robust Digital Tools: A user-friendly smartphone app and web platform for managing policies and submitting claims.

Cons

• Claims Satisfaction: A few clients express discontent with the claims procedure.
• High Rates for Some Drivers: Low-risk drivers are not eligible for the best rates.
• Limited Agent Support: Mostly dependent on digital technologies, which might not provide one-on-one agent assistance.

#5 – American Family: Best for Loyalty Savings

Pros

• Personalized Service: Well-known for providing excellent customer service via a network of local agents.
• Flexible Coverage: Provides a selection of insurance tailored to meet specific requirements.
• Safe Driving Program: offers possible savings to encourage safe driving practices.
• Bundling Discounts: Provides savings when combining several plans, such as auto and home insurance.

Cons

• Restricted Availability: Accessibility is limited because it is not available in all states.
• Higher Premiums for Riskier Drivers: Drivers with bad credit or those who pose a greater risk may pay higher premiums.
• Average Claims Process: A few clients have complained about delays in processing their claims or problems.

# 6 – Nationwide: Best for Accident Forgiveness

Pros

• Variety of Coverage: Provides a wide range of coverage choices, such as vanishing deductibles and accident forgiveness.
• On Your Side Review: Offers yearly policy evaluations to ensure clients receive the most competitive prices.
• Fantastic Bundling Discounts: Provides significant discounts when combining many plans, such as auto and home insurance.
• Robust Financial Foundation: Nationwide’s solid financial base guarantees dependable claims payments.

Cons

• Average Rates: Nationwide offers reasonable rates, although they are not the cheapest.
• Availability: Some states do not offer it.
• Claims Processing: A few clients have complained about claims processing being slower than anticipated.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#7 – Safeco: Best for Affordable Premiums

Pros

• Customized Coverage: Safeco offers an array of coverage options, including accident forgiveness, new car replacement, and decreasing deductibles, so customers can customize insurance to meet their needs.
• Reasonably priced rates: Safeco is renowned for providing competitive and reasonably priced premiums, particularly for drivers with spotless records.
• Bundling Discounts: Customers can save a lot of money by combining auto insurance with other plans, such as renters’ or homeowners’ insurance.
• Roadside Assistance: Safeco offers customers peace of mind during crises by offering complete roadside assistance as an add-on.

Cons

• Restricted Availability: Some prospective clients may find Safeco’s services less accessible because they aren’t offered in every state.
• Average Customer Service: Safeco’s customer service has received mixed ratings, with some consumers complaining about unsatisfactory claim procedures.
• Discount possibilities: Safeco may have fewer discount possibilities than its larger rivals, such as Progressive or Geico, even though it does provide certain discounts.

# 8 – Allstate: Best for Detailed Coverage

Pros

• Large Discounts: Allstate provides a number of discounts, such as safe driver and excellent student discounts.
• Local Agents: Tailored support is offered by a vast network of agents.
• Claim Satisfaction Guarantee: Customers who are unhappy with the claims process can receive a refund.
• Accident Forgiveness: Drivers are shielded from rate hikes following an accident.

Cons

• Higher Rates: Compared to other businesses, premiums are typically more costly.
• Average Customer Satisfaction: A few clients have expressed conflicting feelings on the handling of their claims.
• Limited Digital Tools: Management on mobile and online platforms might be easier.

#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.
• Numerous coverage options:  are available, including special add-ons like rideshare and new car replacement insurance.
• Accident Forgiveness: Farmers offers programs to stop premium increases following your first accident.
• Bundling Discounts: Combining house and vehicle insurance can result in significant discounts.

Cons

• Greater Premiums: Farmers pay greater premiums than some of their rivals.
• Limited Discounts: In comparison to other providers, there are fewer opportunities for discounts.
• State Availability: Not all states offer it.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Customized Coverage: Liberty Mutual provides adaptable plans that can be customized to meet specific requirements, such as new car replacement and accident forgiveness.
• Many Discounts: Provides a number of discounts, such as those for students, military personnel, and holders of several policies.
• Robust Digital Tools: Offers a user-friendly smartphone application for managing policies and submitting claims.
• Financial Stability: Liberty Mutual’s sound financial standing guarantees regular claims payouts.

Cons

• Higher rates: Some clients claim their rates are higher than other carriers.
• Conflicting Claims Reviews: A few policyholders have voiced their displeasure with the claims procedure.
• Limited Agent Support: Depends mainly on digital tools, which might not provide individualized agent support.

Cheap Auto Insurance in Oklahoma

Choosing a car insurance policy is never easy, and it can vary depending on where in the country you live, especially when looking for cheap auto insurance in Oklahoma. If you’re looking for the cheapest auto insurance in Oklahoma, you’ve come to the right place.

As an Oklahoma resident, you are probably looking for a policy that will protect you from the severe weather patterns that can hit the Midwest for months.

Keep following along so you can find out which coverage policy is the best fit for you.

Oklahoma’s Car Culture

Oklahoma’s landscape consists of long, flat roads, farmland, and the occasional mountains, so the Sooner State’s car culture is very much a “truck culture.”

According to John Nardini, the most popular vehicles to drive are the Ford F-150 and the Dodge Ram.

The long, open roads and the occasional rocky mountain terrain have made pick-up trucks the most popular and practical vehicle to own in Oklahoma.

With some of the country’s most diverse terrain, ATVs, dune buggies, and other off-roading vehicles are quite popular, and pick-up trucks help transport them.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Auto Insurance in Oklahoma: Minimum Coverage Requirements

Oklahoma is considered a “fault” car accident state, meaning that the individual who caused the car accident is at fault and under financial responsibility to pay for any damages that result from the accident.

These damages can include injuries, lost income, vehicle damage, and any other financial losses that result from the car accident. When it comes to an individual who suffers any kind of injury or damage from an auto accident, they have three options to proceed with:

• by filing a claim with his or her own insurance company, assuming that the loss is covered under the policy (in this situation, the injured person’s insurance company will likely turn around and pursue a subrogation claim against the at-fault driver’s insurance carrier)
• by filing a third-party claim directly with the at-fault driver’s insurance carrier
• by filing a personal injury lawsuit in civil court against the at-fault driver

If you are responsible for any kind of auto accident, you will need minimum car insurance coverage and cheap auto insurance in Oklahoma to cover the costs that you would be deemed responsible for.

Liability coverage would cover the medical, property damage, and other costs of drivers, passengers, and pedestrians who suffer injuries or vehicle damage from an accident you caused.

While cheap liability car insurance in Oklahoma covers these costs for others affected by a car accident that you caused, it does not apply to your own personal injuries or vehicle damage.

In the state of Oklahoma, the required minimum amounts of liability car insurance coverage are as follows:

• $25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
• $50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
• $25,000 for property damage per accident caused by the owner/driver of the insured vehicle

If you are in a car accident and no one else’s coverage applies toward your losses, you will need additional coverage since cheap auto insurance in Oklahoma may not provide enough liability coverage for your own damages.

Collision coverage can cover repairs to your damaged vehicle and is optional in Oklahoma.

Forms of Financial Responsibility

In Oklahoma, all drivers must carry a minimum amount of liability car insurance, but finding cheap auto insurance in Oklahoma can help ensure financial responsibility without breaking the bank.

This law ensures that all drivers are covered for damages caused by an accident caused by another driver and vice versa.

Premiums as a Percentage of Income

If you are concerned about how much you will be spending on your premium with your income, you can reference the table below. This will show you what percentage of your income in Oklahoma will go towards your premium.

Over three years, from 2012 -2014, insurance as a percentage of income stayed relatively the same, only dropping from 2.42 percent in 2012 to 2.41 percent in 2013 and 2014.

Oklahoma’s insurance percentage of income falls somewhere in the middle, maybe slightly higher, compared to surrounding states. In comparison to the countrywide average, Oklahoma’s percentage falls below the average.

Use our tool below to calculate the actual percent of income you pay for car insurance.

CalculatorPro

Core Coverage for Cheap Auto Insurance in Oklahoma

The table below shows that Oklahoma’s core coverage for an auto insurance policy is higher than the national average.

As we covered before, liability coverage covers any damage you may have caused to another person and/or their vehicle in an auto accident.

On the other hand, comprehensive and collision insurance, which is part of cheap auto insurance in Oklahoma, covers your own damages in an accident or any uncontrollable factor, like the weather.

Additional Liability

According to the National Association of Insurance Commissioners, Oklahoma’s average car insurance cost per year is slightly higher than the national average. Oklahoma also has the 18th most expensive premiums in the United States.

The loss ratio can be defined as the ratio of paid insurance claims compared to premiums earned.

As of 2014, Oklahoma’s loss ratio compared to its pure premium was about 65 percent. When the loss ratio is over 100 percent, the company loses money, but it isn’t paying claims if it is too low.

Oklahoma’s uninsured motorists make up about 12.6 percent of the nation’s uninsured motorists, and in the state itself, they make up 25.9 percent of motorists.

Oklahoma does not require residents to carry uninsured motorist coverage, but cheap auto insurance in Oklahoma often includes this option as an additional policy feature for an extra charge.

Add-ons, Endorsements, and Riders

There are also additional and affordable add-ons that can be included in your coverage plan in Oklahoma as well! If you want to expand your coverage plan to include these add-ons, you can choose from the list below:

• 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

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Demographic Rates – Male vs. Female vs. Age

Regarding how much car insurance costs in Oklahoma between males and females and their age, younger male drivers are charged the most while older female drivers are charged the least.

For instance, car insurance for a 25-year-old male will cost the most, followed by insurance for a 25-year-old female, which will cost the second highest, insurance for a 60-year-old male, which will cost the second lowest, and finally, insurance for a 60-year-old female, which will cost the least.

In Oklahoma, younger male drivers are actually expected to be the most irresponsible drivers, which is why their car insurance is higher than that of a younger female.

Even for older drivers, in Oklahoma, a male’s insurance will still cost more than that of an older female around the same age.

It may seem surprising that cheap auto insurance in Oklahoma rates differ between genders, as most would think gender would have nothing to do with your car insurance costs.

Surprisingly, though, the opposite is true in most other states, where females typically have higher insurance rates than males.

Cheapest Rates by Zip Code

Did you know that the area where you live can be a factor in how expensive your car insurance is? Take a look at the table below to find your zip code and compare cheap auto insurance in Oklahoma rates with other areas:

Cheapest Rates by City for Cheap Auto Insurance in Oklahoma

You can even figure out how expensive your car insurance will be based on the city you live in. Take a look at the table below and find your city to see how expensive your car insurance will be:

The data from both the zip codes and cities show that Tulsa and Oklahoma City have the most expensive car insurance rates. Smaller, lesser-known areas will guarantee cheaper rates for cheap auto insurance in Oklahoma.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Best Oklahoma Car Insurance Companies

Finding the right car insurance company can be difficult, especially with Oklahoma’s varying auto insurance rates. Researching every company for cheap auto insurance in Oklahoma and comparing their rates can be difficult and time-consuming. But have no fear—we are here to help.

Keep following along with us as we give you information on all the best car insurance companies.

We will cover which car insurance companies in Oklahoma have the best ratings and the most complaints. No matter what you are looking for, we’ve got cheap car insurance in Oklahoma options covered.

We also examine data provided by Quadrant. We examine the average rate per company for coverage level, commute length, credit score, and driving record.

The Largest Companies Financial Rating

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.

Take a look at the list of companies and the ratings they received from AM Best in this table.

Oklahoma-AM-Best-Ratings

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.

Despite increasing premiums, customers are happy with digital and live interactions with their carriers, which improves the customer experience when searching for cheap auto insurance in Oklahoma.

Take a look at the table below to find the auto insurance companies in Oklahoma with the best ratings. According to a 2018 J.D. Power auto insurance study:

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Companies with Most Complaints in Oklahoma

While it is always good to consider an insurance company’s positives when choosing a carrier, it is also important to consider its negatives when selecting cheap auto insurance in Oklahoma.

The number of customer complaints a company receives can indicate how well it communicates with its customers.

Despite savings and fewer miles driven, a Reddit member voiced their displeasure with Oklahoma’s growing auto insurance premiums. Nonetheless, a variety of coverage levels are available for cheap auto insurance in Oklahoma. Comparing prices and enrolling in a defensive driving course might help reduce costs.

The table below displays complaint data last published in 2017 on the Oklahoma Insurance Commissioner’s site.

Cheapest Companies for cheap auto insurance in Oklahoma

The table below indicates the car insurance companies and their rates as a percentage compared to the national average for cheap auto insurance in Oklahoma.

Commute Rates by Companies

Did you know that the length of your commute can increase your insurance rates? If you have a long commute and are using your car often, some companies will consider this and increase your coverage.

Luckily, though, car insurance providers don’t charge significantly more in Oklahoma just because of a longer commute. This table compares Oklahoma’s average annual rates and annual mileage/commute length.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Auto Insurance in Oklahoma: Discounts

Auto Insurance Discounts From the Top Providers in Oklahoma

Drivers can reduce their premiums by combining policies, keeping up good driving records, or enrolling in defensive driving courses, according to auto insurance discounts offered by leading Oklahoma companies. Several insurance companies offer discounts on features like low annual mileage, paperless invoicing, or anti-theft equipment. You can find reasonably priced vehicle insurance options and reduce your premiums by looking into available discounts.

Coverage Level Rates by Companies

Oklahoma Auto Insurance Monthly Rates by Provider & Coverage Level

Are you wondering how your rates will change depending on the amount of coverage you have for cheap auto insurance in Oklahoma? Well, the answer may seem simple. You will usually see costs decrease if you seek out less coverage.

This might seem obvious, but this may not always be in your best interest in the long run. The less coverage you seek out, the less you will be covered in case of a bad accident where you might eventually need that coverage.

Take a look below at the list of some of Oklahoma’s insurance carriers and their auto insurance coverage in Oklahoma compared to their annual rates.

As you can see from this table, State Farm is the best combination, as it offers high coverage with the lowest annual average rates compared to the other carriers with high coverage.

Credit History Rates by Companies

A good credit score is very important when looking for an insurance plan in Oklahoma. Like most things, the higher your credit score, the better. A higher credit score makes you more likely to receive better rates from the providers you want.

Experian reports that Oklahoma drivers’ average credit score is 656. This makes Oklahoma one of the top 10 states in the country with the lowest credit scores.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Driving Record Rates by Companies

As you probably already know, your driving record will definitely impact your insurance rates. The better the driver you are (little to no car accidents), the lower your rates will be. If you happen to get into a lot of fender-benders, your rates will increase.

The best way to keep your rates low is to follow Oklahoma’s driving laws.

-Largest Car Insurance Company in Oklahoma

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

Oklahoma-AM-Best-Ratings

Number of Insurers by State

State Laws in Oklahoma

As mentioned before, the best way to keep your rates low and in control is to comply with Oklahoma’s driving laws.

Every state is different, as their policies on speed limits, driving under the influence, and even seat belt usage can vary. Becoming acquainted with these laws is important before getting on the road in any state.

By following Oklahoma’s state driving laws, you are taking preventative measures that will save you from getting into any trouble on the road, which will only save you money in the long run.

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.

Car Insurance Laws

Drivers must be aware of Oklahoma car insurance laws. According to these statutes, drivers must maintain minimum liability coverage to guarantee financial accountability in the event of an accident. Liability insurance also shields other people from lawsuits alleging bodily harm and property damage.

Continue reading to learn more about Oklahoma car insurance laws and how being aware can help you avoid fines while guaranteeing adequate coverage for unanticipated events.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

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 it depends on the insurer.

High-Risk Insurance

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

Once you get into an accident in Oklahoma, you need to fill out an SR-22 form as a high-risk driver to apply for high-risk insurance.

In Oklahoma, you need to fill out an SR-22 form if:

• Your license has been suspended or revoked due to a DUI/DWI
• You have no insurance and are in a vehicular accident
• You have been involved in an accident that’s caused severe injury to another driver
• You are caught driving while uninsured
• There are a significant number of points on your driving record

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.

But there are still plenty of programs available to fit any kind of lifestyle.

To find a car insurance plan that works for you and your family, click here to compare cheap auto insurance in Oklahoma quotes from the top insurance carriers in your area.

Automobile Insurance Fraud in Oklahoma

About 10 percent of the insurance industry’s losses each year can be attributed to fraud. Multiple parties can commit insurance fraud in insurance transactions.

This can include applicants, policyholders, third-party claimants, etc.

Read more: Automobile Liability Coverage

Statute of Limitations

In Oklahoma, you have two years to file a claim to receive compensation from your insurance provider if you get into an accident. This includes both personal injury and property damages.

It is important to file the claim as soon as possible to ensure that all injuries, damages, and losses are recorded.

Vehicle Licensing Laws

The REAL ID Act establishes minimum security standards for license issuance and production. It prohibits Federal agencies from accepting driver’s licenses and identification cards from states that do not meet the Act’s minimum standards for certain purposes.

Oklahoma has an extension for REAL ID enforcement, which allows federal agencies to accept driver’s licenses and identification cards from the state of Oklahoma at federal facilities, nuclear power plants, and federally regulated commercial aircraft until October 10, 2019.

Penalties for Driving Without Insurance

In Oklahoma, the penalties for driving without insurance include a $250.00 fine, jail time for up to 30 days, and license suspension with a $275.00 reinstatement fee.

Police can seize license plates and assign temporary plates and liability insurance, which would be in effect for 10 days.

They can also compound the vehicle if they choose to. If the car is compounded, the owner must also pay for the towing and storage fees.

Drivers must have proof of insurance to drive and register a car in Oklahoma, and you must present proof of insurance to secure an Oklahoma license plate.

Teen Driver Laws

To obtain your learner’s permit in Oklahoma, you have to be at least 15 years and 6 months of age. From here, you have to have your permit for at least another 6 months before going for your license.

To legally take a driving test to obtain your license, you must be at least 16 years old and have supervised driving for at least 50 hours, 10 of which must be at night.

Once you receive your license, you cannot drive unsupervised for the first year between 10 p.m. and 5 a.m., and you cannot have more than one passenger in the car.

Older Driver License Renewal Procedures 

Renewing your license in Oklahoma is simple, and there aren’t many rules. Every resident in the state with a driver’s license must renew their license every four years.

You cannot renew your license over the Internet or by mail. Older drivers must also pass a vision test to renew their licenses.

New Residents

If you are new to the Sooner State, you’ll need to secure a license plate and car insurance policy within the state. Share your new address with your provider and ensure you have the Oklahoma car insurance minimums required by law to drive legally.

You should also check with your provider to see if you need to take your vehicle to the Oklahoma Department of Public Safety (DPS) to be inspected to ensure its safety on the road.

Rules of the Road

Like any other state, it is in your best interest to follow the rules of the road while driving—it is for your own safety.

Fault vs. No-Fault

As we mentioned before, Oklahoma is an at-fault state. To refresh your memory, this means that when you get into an accident, one of the drivers will be determined to be “at fault”.

The at-fault driver is responsible for covering the other driver’s damages with their own insurance.

Seat Belt & Car Seat Laws

Each state has its own seat belt and car seat laws to protect drivers and passengers, including young children who may also be in the vehicle.

In Oklahoma, children under 2 must be in a rear-facing child safety seat until they outgrow the manufacturer’s height/weight requirements. Children must also be at least 9 years old to be able to sit in the front passenger seat.

Keep Right and Move Over Laws

In Oklahoma, driving in the left lane is prohibited if you are traveling under the speed limit.

Speed Limits

The speed limits in Oklahoma generally hover around 70-75 mph, depending on where you are. The table below shows the speed limits on different types of roadways:

Ridesharing

Since Uber and Lyft have become quite popular over the past few years, drivers on these apps have to register their vehicles to be able to ride. The following insurers are the only companies that allow drivers in Oklahoma to register their vehicles to rideshare:

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

Safety Laws

The most important part of driving on the road is knowing how to stay safe. A huge safety concern of getting on the road is watching out for drivers who may be under the influence of alcohol and/or marijuana. Check out the info below that shows Oklahoma’s DUI Laws:

DUI Laws

In Oklahoma, if you get caught driving under the influence one time, it usually registers as just a misdemeanor. If it happens a second time, you can receive a felony. DUIs have more severe consequences the more often they happen, so it’s best to avoid driving drunk altogether.

The consequences for drinking and driving are the same as when driving under the influence of marijuana because Oklahoma has not yet legalized the use of THC for medical or recreational purposes.

Distracted Driving Laws

In today’s day and age of iPhones and the ability to send text messages quickly, texting and driving can be just as dangerous as driving while intoxicated.

Texting while driving is banned for all drivers in Oklahoma, which is in the best interest and safety of everyone on the road.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Driving in Oklahoma

Last but not least, we will cover a few more serious topics to ensure your best preparation for the road in Oklahoma.

We will cover vehicle theft in Oklahoma and different statistics on road fatalities in the state as provided by the National Highway Traffic Safety Administration. These topics are important, but we hope this information is never needed.

Vehicle Theft in Oklahoma

The table below shows the top 10 vehicles in Oklahoma that get stolen. It appears that the bigger a vehicle you own in Oklahoma, the more likely it is to draw unwanted attention.

Pickup trucks are popular vehicles for auto theft, which may be because they are generally the most popular vehicles to drive in this state.

Oklahoma City and Tulsa are the top two cities in Oklahoma for vehicle theft, which makes sense as they are two of the largest cities in the state. These two cities are also known to have the highest insurance rates in the state, as we covered earlier.

Road Fatalities in Oklahoma

When it comes to fatalities on the road, once again, Tulsa and Oklahoma City are the worst offenders for road fatalities.

Fatalities (All Crashes) By County

The counties in Oklahoma presented below are home to the most amount of road fatalities in the state:

Oklahoma-10-counties-with-the-most-traffic-deaths

Five-Year Trend for the Top 10 Counties

Below, the table shows the five-year trend for the top 10 counties in Oklahoma for fatalities beginning in 2013:

Oklahoma-10-counties-with-the-most-traffic-deaths

Fatalities Involving Speeding by County

Fatalities in Crashes Involving an Alcohol-Impaired Driver

Unfortunately, drunk driving is still a large factor in car crashes and fatalities every year. The table below shows the number of fatalities in crashes involving a driver under the influence of alcohol in different counties in Oklahoma:

Teen Drinking and Driving

With teenagers experimenting with alcohol use and becoming new drivers, they are sadly the cause of a majority of these fatalities caused by drunk drivers.

EMS Response Time

Despite the unfortunate event of drunk driving fatalities in Oklahoma, the EMS response times in the state are luckily decently quick. The rural and urban EMS times in Oklahoma are shown below:

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.