Cheap Car Insurance Rates in Oklahoma (2019)

Compare Auto Insurance Rates in Oklahoma

Oklahoma Auto Insurance

Before you buy auto insurance in Oklahoma, it’s essential to know what you have to buy along with Oklahoma driving laws. It doesn’t have to be that complex even if you are looking for cheap auto insurance. Read on to find out what all of your options are in buying quality insurance.

Car Insurance Requirements in Oklahoma

Oklahoma car insurance laws state that you must maintain specific types of coverage, especially for liability protection. This insurance protects other drivers. Oklahoma minimum auto insurance requirements are just that – the minimum amount you need to have. Many people need more. Here’s what the state says you need:

  • $25,000 for bodily insurance coverage for injury or death per person
  • $50,000 for total bodily injury coverage
  • $25,000 for property damage

Is Oklahoma a No-Fault State?

Oklahoma is an at-fault state. That means a driver is responsible for the losses he or she creates to other drivers. Your insurance may cover other driver’s losses if you cause the incident.

 

<zipcode>Find The Cheapest Auto Insurance In Oklahoma:</zipcode>

 

Car Insurance Prices in Oklahoma

The cost of car insurance in Oklahoma varies based on the car type and age, its value, and the driver’s qualifications. A liability only policy at the state minimum will cost $910 on average. Most people need full coverage, which costs, on average $2,182. Drivers can expect to pay $1,781 for coverage.

 

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;This is perhaps the highest category of risk. That is why car insurance for 16-18 year olds in Oklahoma is going to be the most expensive policy. Teens are likely to pay close to $2,100 to $2,500 for auto insurance because of this high risk. For teens, it is possible to find affordable insurance, and shopping around for a bundle with the parents tends to be the best way to do so.</qa> 

<qa>2;Car Insurance for Students (18-24 Year Olds) in Oklahoma;Students are likely to see their car insurance costs drop somewhat due to having more experience and not driving as much. Student drivers can expect to pay around $1,800 to $2,000 for coverage.</qa> 

<qa>3;Car Insurance for 24+ Year Olds in Oklahoma;Once you are out of school, you may notice your car insurance rates begin to level out. Most drivers pay about average here, around $1.700. During this time, your car insurance rates are likely to slowly come down and fall past the average rate for the area.</qa> 

<qa>4;Car Insurance for 55 (and Over) in Oklahoma;At the age of 55, you are likely to pay the least amount of coverage, usually around $1,100 and $1,500 a year. Most drivers can expect to see their insurance rates begin to rise again in a few years if they become high-risk drivers.</qa> 

<qa>5;Car Insurance for Veterans in Oklahoma;Some insurers offer discounts to veterans. To find out, be sure to ask your insurance company for more information.</qa>

 

AgeMost Popular VehicleGenderMost Common City
18 - 24ChevroletMale - 56% | Female - 44%Oklahoma City
25 - 54ChevroletMale - 41% | Female - 59%Oklahoma City
55 - 64ChevroletMale - 39% | Female - 61%Oklahoma City
65 +ChevroletMale - 40% | Female - 60%Tulsa

* This information is based on Pretected.com users.

Traffic Violations and Fines in Oklahoma

Speeding Ticket Cost in Oklahoma

Oklahoma has a point system for tickets, which you can expect any time you are convicted of a moving violation. The average speeding ticket here costs $150 to $200 for a 10-mile-an-hour over the limit charge. If you are speeding 20 miles over the speed limit or in a construction zone, this can rise to twice as much. Reckless driving in Oklahoma may amount to jail time as well.

Driving While High Laws in Oklahoma

Even if you have a license to use marijuana, you cannot operate a motor vehicle while high in the state of Oklahoma. You can be charged with reckless driving if you do.

Driving Without Car Insurance in Oklahoma

If you get pulled over and do not have insurance, you could pay a fine of up to $250, spend 30 days in jail, have your license suspended, and even have the vehicle registration suspended.

Texting and Driving in Oklahoma

Distracted driving of any type, even eating while driving, is a high-risk situation. Cell phone use while driving is a risk factor too because it means you cannot focus on the road.

 

<twitter>It is illegal to curse in the state of Oklahoma. That includes cursing while driving. If you are caught doing so, you could pay a $1 fine.</twitter>

 

Oklahoma Car Accidents

Car accidents occur everywhere, but knowing local car accident statistics is critical for safeguarding your wellbeing. Car accidents in Oklahoma range widely.

Reasons for Car Accidents in Oklahoma

In total there were 611 fatal car accidents in 2017 resulting in the death of 655 people. Most accidents were collisions with other objects, accounting for 248 incidents. Multiple-vehicle accidents accounted for 306 in the state in 2017.

Car Accident Statistics by Vehicle Type in Oklahoma

In 2017, there were 211 people who were killed in car accidents related to just passenger vehicles. 224 people were killed in pickup truck and SUV-related accidents. Large truck deaths amounted to 20 people. In addition, 93 people on motorcycles died, 78 people who were walking, and 5 bike riders died.

Car Accidents in Oklahoma – More Facts

Alcohol accounted for 324 deaths in the state in 2017. Among them, 301 were drivers who tested positive for alcohol.  In accidents, 53 percent of those who died that year were unrestrained by a seat belt.
 

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Oklahoma

  • It is illegal to buy a car on Sundays in the state. This law dates back to just 1959, and it is why so many car lots are closed on Sundays in the state.
  • Another interesting law related to driving in the state of Oklahoma is this one. It is illegal for you to read a comic book while you are operating a vehicle.

 

Looking for Auto insurance in Oklahoma? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s "Smart Match":

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<resources>https://www.dmv.org/ok-oklahoma/car-insurance.php;https://www.insurance.com/auto-insurance.aspx#Rates_By_State</resources>