Cheapest car insurance in Oklahoma for a bad driving record

Progressive, Shelter Insurance, State Farm provides affordable car insurance for high-risk drivers with bad driving record in Oklahoma.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

CompanyAverage annual premium for clean recordAnnual 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 bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,136 in Oklahoma, you can find rates as low as $1,630 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.

Keep reading as we break down high-risk car insurance factors and rates.

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Oklahoma
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over 2K1 At-fault property damage accident under 2K1 comprehensive claim for over 2k1 comprehensive claim for under 2k2 At-fault property damage accident over 2k2 comprehensive claims for over 2k2 speeding tickets 11 mph or overAt-fault bodily injury accidentCareless drivingDUI/DWI first offenseDUI/DWI second offenseDistracted driving ticketDriving without a license or permitDriving without insuranceFailure to stopFailure to yieldFair creditFollowing too closelyHit and run - injuryHit and run - property damageImproper turnImproper/illegal passLapse of coverage for 7 daysLapse of coverage for 7 to 30 daysLapse of coverage for over 30 daysOperating a vehicle in a race (highway racing)Passing stopped school busPoor creditReckless drivingSR22 Filing OnlySR22 with 1 DUISeatbelt infractionSingle vehicle accident (so the drivers car only)Speeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limitTalking on cellphone ticketTexting ticket
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Oklahoma, OK is $3,270
Show Graph View
CompanyAnnual premium for clean recordAnnual 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
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

While many insurers offer coverage after a DUI, Progressive provides the average cheapest coverage for $1,338.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Oklahoma.

CompanyAverage annual premium for clean recordAnnual 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

Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,557 or $130.

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.

CompanyAverage annual premium for clean recordAnnual 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.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

CompanyAverage annual premium for clean recordAnnual 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

Based on our research, Progressive is the cheapest car insurance company for drivers with poor credit, averaging $2,007 or $167. Fortunately, drivers with bad credit can still find 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.

CompanyAnnual premium for good creditAnnual 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 and State Farm have the lowest car insurance rates after an accident at $1,949 and $2,090, respectively.

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.

CompanyAverage annual premium for clean recordAnnual premium for one at-fault accidentAnnual 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. However, the most expensive city is Spencer, with average insurance rates of $3,520.

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.

CityAverage annual premium for clean recordAnnual 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:

  • 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 Oklahoma 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.

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