Which company has the cheapest car insurance in Oklahoma for a bad driving record?
Progressive, Shelter Insurance and State Farm offer some of the cheapest rates for drivers with poor driving records in Oklahoma. Among them, Progressive has the lowest average 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, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.
| 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?
The average cost of high-risk car insurance in Oklahoma is $3,136 per year. Depending on your driving history and insurer, you may be able to find rates as low as $1,630 annually.
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 one in a school zone, will increase 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 a high-risk driver 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.
What company offers the cheapest car insurance in Oklahoma after a DUI?
Progressive has the cheapest average DUI insurance rates in Oklahoma at $1,338 annually.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Oklahoma.
| 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 |
What is the cheapest car insurance in Oklahoma with multiple tickets?
Progressive offers the lowest average rates for drivers with multiple traffic tickets at $1,557 annually or $130 monthly.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Oklahoma drivers how much multiple tickets increase 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 |
Expert's Insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
What company offers the cheapest insurance for reckless driving in Oklahoma?
Progressive has the cheapest average reckless driving insurance rates in Oklahoma at $1,764 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.
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.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| 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 |
Expert's Insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Which company has the cheapest car insurance for drivers with bad credit in Oklahoma?
The cheapest Oklahoma insurer for bad credit is Progressive, with rates averaging $2,007 per year or $167 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Oklahoma car insurance.
| 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 |
What company has the cheapest car insurance in Oklahoma after an accident?
Progressive has the cheapest average post-accident insurance rates in Oklahoma at $1,949 per year. State Farm also offers below-average rates after an at-fault crash.
Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.
This table shows car insurance rates for drivers with a clean record, a single 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 |
Expert's Insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city has the cheapest car insurance for high-risk drivers in Oklahoma?
Duncan has the cheapest average high-risk car insurance rates in Oklahoma at $2,935 per year. In comparison, drivers in Spencer pay the highest average rates at $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 can high-risk drivers lower their car insurance rates in Oklahoma?
Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Oklahoma, including shopping around, taking a defensive driving course and avoiding further infractions.
You may be able to save money by:
- Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
- Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
- Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
- Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
- Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.
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 Oklahomadepends 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.
What are Oklahoma's insurance requirements for high-risk drivers?
If you're a high-risk driver in Oklahoma, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
FAQ: High-risk car insurance in Oklahoma
Can high-risk drivers get full coverage car insurance in Oklahoma?
Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.
Does an SR-22 automatically make your insurance more expensive in Oklahoma?
Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.
Will my car insurance rates go down after three years in Oklahoma?
It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.
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
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