- Cheapest car insurance in Oklahoma for a bad driving record
- How much is high-risk car insurance in Oklahoma?
- Cheapest car insurance in Oklahoma with a DUI
- Cheapest car insurance in Oklahoma with multiple tickets
- Cheapest car insurance in Oklahoma with a reckless driving conviction
- Cheapest car insurance in Oklahoma with bad credit
- Cheapest car insurance after an accident in Oklahoma
- Cheapest car insurance in Oklahoma by city
- How to reduce car insurance rates in Oklahoma for a bad driving record
- Oklahoma car insurance laws for high-risk drivers
- Compare Oklahoma high-risk driver car insurance rates with other states
Cheapest car insurance in Oklahoma for a bad driving record
Drivers with a poor record in Oklahoma will find the lowest rates from Progressive, Shelter Insurance and State Farm. Among these, Progressive provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,630 annually.
If you have accidents, DUIs or traffic tickets on your driving record, youll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Progressive | $1,194 | $1,630 |
| Shelter Insurance | $2,055 | $2,868 |
| State Farm | $1,861 | $2,953 |
| GEICO | $1,820 | $3,246 |
| Allstate | $2,699 | $3,320 |
| Mercury Insurance | $2,237 | $3,437 |
| Oklahoma Farm Bureau | $3,295 | $4,208 |
| Farmers | $2,717 | $4,303 |
| USAA | $1,447 | $2,137 |
How much is high-risk car insurance in Oklahoma?
In Oklahoma, the average cost of high-risk car insurance is $3,136 per year. However, you may secure coverage from Progressive for as low as $1,630 annually. Even with a problematic driving record or poor credit score, affordable policies are available.
Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.
Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| Progressive | $1,194 | $1,949 |
| State Farm | $1,861 | $2,090 |
| USAA | $1,447 | $2,199 |
| Shelter Insurance | $2,055 | $2,718 |
| GEICO | $1,820 | $3,458 |
| Oklahoma Farm Bureau | $3,295 | $3,597 |
| Allstate | $2,699 | $3,675 |
| Mercury Insurance | $2,237 | $4,201 |
| Farmers | $2,717 | $4,838 |
PEOPLE ASK:
Who is considered high-risk for insurance in Oklahoma?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Oklahoma with a DUI
Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $1,338 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Oklahoma for drivers with a clean record versus those with a DUI.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Progressive | $1,194 | $1,338 |
| State Farm | $1,861 | $1,959 |
| Mercury Insurance | $2,237 | $3,103 |
| Shelter Insurance | $2,055 | $3,117 |
| GEICO | $1,820 | $3,465 |
| Allstate | $2,699 | $3,479 |
| Farmers | $2,717 | $4,950 |
| Oklahoma Farm Bureau | $3,295 | $5,179 |
| USAA | $1,447 | $2,664 |
Cheapest car insurance in Oklahoma with multiple tickets
For drivers with multiple tickets, Progressive offers the lowest premiums, averaging $1,557 per year or $130 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Oklahoma how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Progressive | $1,194 | $1,557 |
| State Farm | $1,861 | $1,959 |
| Shelter Insurance | $2,055 | $2,503 |
| Allstate | $2,699 | $2,974 |
| GEICO | $1,820 | $3,209 |
| Mercury Insurance | $2,237 | $3,336 |
| Farmers | $2,717 | $3,443 |
| Oklahoma Farm Bureau | $3,295 | $3,860 |
| USAA | $1,447 | $1,785 |
Cheapest car insurance in Oklahoma with a reckless driving conviction
Progressive offers the cheapest rates for drivers with reckless driving convictions at $1,764 per year.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| Progressive | $1,194 | $1,764 |
| State Farm | $1,861 | $1,959 |
| Shelter Insurance | $2,055 | $2,503 |
| Allstate | $2,699 | $3,479 |
| GEICO | $1,820 | $3,637 |
| Mercury Insurance | $2,237 | $4,059 |
| Oklahoma Farm Bureau | $3,295 | $5,179 |
| Farmers | $2,717 | $5,185 |
| USAA | $1,447 | $1,909 |
Cheapest car insurance in Oklahoma with bad credit
In Oklahoma, Progressive provides the lowest premiums for drivers with poor credit, averaging $2,007 per year or $167 per month. Even with a low credit score, you can still find affordable auto insurance.
While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.
Check the table below to see how credit scores impact car insurance costs in Oklahoma.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Progressive | $1,194 | $2,007 |
| GEICO | $1,820 | $2,743 |
| Oklahoma Farm Bureau | $3,295 | $3,309 |
| Mercury Insurance | $2,237 | $3,452 |
| Allstate | $2,699 | $4,045 |
| Shelter Insurance | $2,055 | $4,079 |
| Farmers | $2,717 | $5,354 |
| State Farm | $1,861 | $7,923 |
| USAA | $1,447 | $2,896 |
Cheapest car insurance after an accident in Oklahoma
Progressive has the lowest rates after an accident at $1,949 a year. State Farm also has affordable rates at $2,090 a year.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Progressive | $1,194 | $1,949 | $2,587 |
| State Farm | $1,861 | $2,090 | $2,090 |
| Shelter Insurance | $2,055 | $2,718 | $3,068 |
| GEICO | $1,820 | $3,458 | $5,439 |
| Oklahoma Farm Bureau | $3,295 | $3,597 | $4,501 |
| Allstate | $2,699 | $3,675 | $4,480 |
| Mercury Insurance | $2,237 | $4,201 | $5,514 |
| Farmers | $2,717 | $4,311 | $5,454 |
| USAA | $1,447 | $2,199 | $3,128 |
Cheapest car insurance in Oklahoma by city
Duncan has the cheapest car insurance rates in Oklahoma, averaging $2,935 a year. However, the most expensive city is Spencer, with average insurance rates of $3,520 annually.
Where you live in Oklahoma also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Duncan | $2,023 | $2,935 |
| Seminole | $2,062 | $3,007 |
| Pond Creek | $2,078 | $3,010 |
| Corn | $2,094 | $3,019 |
| Woodward | $2,108 | $3,035 |
| Cleveland | $2,189 | $3,181 |
| El Reno | $2,214 | $3,220 |
| Bixby | $2,236 | $3,283 |
| Edmond | $2,269 | $3,314 |
| Tulsa | $2,339 | $3,451 |
| Oklahoma City | $2,373 | $3,473 |
| Spencer | $2,414 | $3,520 |
How to reduce car insurance rates in Oklahoma for a bad driving record
Finding affordable car insurance in Oklahoma is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Oklahoma also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Oklahoma?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Oklahoma car insurance laws for high-risk drivers
If you're considered a high-risk driver in Oklahoma, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
Methodology
170+
insurance companies analyzed
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National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Oklahoma high-risk driver car insurance rates with other states
You might also be interested in- Oklahoma car insurance laws and requirements: What is changing in 2026
- Oklahoma DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Oklahoma
- Non-owner car insurance in Oklahoma: Best and cheapest companies
- Oklahoma gap insurance: Everything you need to know
- Low-income car insurance in Oklahoma
- Oklahoma car insurance coverage calculator
- Oklahoma car insurance guide
- Cheapest home and auto insurance bundle in Oklahoma
- Oklahoma condo insurance: Average cost by company, coverage level and city
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