Cheapest car insurance for high-risk drivers in Oklahoma

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, you'll 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

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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.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Oklahoma, OK is $3,270

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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

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Average annual rate

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

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Cheapest car insurance in Oklahoma with multiple tickets

Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,557 a year or $130 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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

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Cheapest car insurance in Oklahoma with a reckless driving conviction

Progressive offers the most affordable rates for drivers with reckless driving convictions, averaging $1,764 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with 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

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Cheapest car insurance in Oklahoma with bad credit

The cheapest Oklahoma insurer for bad credit is Progressive, with rates averaging $2,007 annually or $167 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.

Check out 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

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Cheapest car insurance after an accident in Oklahoma

Progressive has the lowest average rates after an accident at $1,949 a year. State Farm also offers affordable rates, averaging $2,090 per 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

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Cheapest car insurance in Oklahoma by city

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

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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

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: