- Which company has the cheapest car insurance in Oklahoma for a bad driving record?
- How much is high-risk car insurance in Oklahoma?
- What company offers the cheapest car insurance in Oklahoma after a DUI?
- What is the cheapest car insurance in Oklahoma with multiple tickets?
- Which company offers the cheapest insurance for reckless driving in Oklahoma?
- Which company has the cheapest car insurance for drivers with bad credit in Oklahoma?
- What company has the cheapest car insurance in Oklahoma after an accident?
- Which city has the cheapest car insurance for high-risk drivers in Oklahoma?
- How can high-risk drivers lower their car insurance rates in Oklahoma?
- What are Oklahoma's insurance requirements for high-risk drivers?
- Compare Oklahoma high-risk driver car insurance rates with other states
Which company has the cheapest car insurance in Oklahoma for a bad driving record?
Progressive, Shelter Insurance, State Farm are the cheapest options. Progressive has the lowest annual rate at $1,630 per year.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Oklahoma, high-risk car insurance costs $3,136 per year. However, you can get rates as low as $1,630 annually from Progressive.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Read on as we explain high-risk car insurance factors and rates below.
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?
While many insurers offer coverage after a DUI, Progressive has the lowest rate at $1,338 a year.
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?
The cheapest insurer for drivers with multiple tickets is Progressive, with rates averaging $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 |
Key insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
Which company offers the cheapest insurance for reckless driving in Oklahoma?
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 |
Key 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?
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 |
What company has the cheapest car insurance in Oklahoma after an accident?
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 driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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 |
Key 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?
In Oklahoma, the lowest car insurance rates are found in Duncan, averaging $2,935 annually. On the other hand, Spencer has the highest rates at $3,520 a year.
Where you live in Oklahoma matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.
| 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?
Finding affordable car insurance in Oklahoma is possible, even with a bad driving record. Ways to lower car insurance rates include:
- 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.
What are Oklahoma's insurance requirements for high-risk drivers?
If you're a high-risk driver in Oklahoma, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.
An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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
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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