- Does a DUI raise car insurance rates in Oklahoma?
- How much does a DUI raise your insurance in Oklahoma?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Oklahoma?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Oklahoma
- Oklahoma DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Oklahoma DUI insurance: Frequently asked questions
- Compare Oklahoma DUI car insurance rates with other states
Does a DUI raise car insurance rates in Oklahoma?
With a clean driving record, car insurance in Oklahoma costs $2,138. However, after a DUI, the average rate rises to $3,251, which is $1,113 higher.
Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple DUIs, average rates rise sharply to $4,784.
How much does a DUI raise your insurance in Oklahoma?
The cheapest insurer after a DUI is Progressive, with rates averaging $1,338. The next cheapest insurer is State Farm a difference of $621 from Progressive. Mercury Insurance has the third-most affordable car insurance rates with a DUI.
Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.
This table displays average car insurance rates for a driver with a DUI in Oklahoma.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Progressive | $1,194 | $1,338 | $1,978 |
| State Farm | $1,861 | $1,959 | $1,959 |
| Mercury Insurance | $2,237 | $3,103 | $4,385 |
| Shelter Insurance | $2,055 | $3,117 | $3,819 |
| GEICO | $1,820 | $3,465 | $5,410 |
| Allstate | $2,699 | $3,479 | $4,657 |
| Farmers | $2,717 | $4,950 | $7,366 |
| Oklahoma Farm Bureau | $3,295 | $5,179 | $10,830 |
| USAA | $1,447 | $2,664 | $3,001 |
PEOPLE ASK:
What happens when you get a DUI in Oklahoma?
If you're convicted of a DUI in Oklahoma, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for life.
If someone gets a DUI in your car, does it go on your insurance?
In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the DUI will not appear on your driving record.
However, your premiums may increase if your vehicle is involved in a crash resulting from a DUI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.
How long does a DUI affect your insurance in Oklahoma?
While a DUI may remain on your driving record forever, it doesn't affect rates forever. A DUI affects Oklahoma car insurance and stays on your record for life. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $4,622.
Below are the cheapest insurers after a DUI for each age group:
- For teens: State Farm has the most affordable rate at $4,622.
- For young adults: Progressive offers the lowest-priced coverage for young adults at $1,659.
- For adults: Progressive provides the best rate, averaging $1,338.
- For seniors: Progressive delivers the cheapest average rate at $1,115.
This table illustrates how a DUI affects car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $4,333 | $4,622 | $289 | 7% |
| Progressive | $5,960 | $5,989 | $29 | 0% |
| Shelter Insurance | $5,647 | $8,203 | $2,556 | 45% |
| Mercury Insurance | $9,408 | $10,009 | $601 | 6% |
| GEICO | $5,522 | $10,744 | $5,222 | 95% |
| Allstate | $9,282 | $13,112 | $3,830 | 41% |
| Oklahoma Farm Bureau | $7,873 | $13,425 | $5,552 | 71% |
| Farmers | $10,495 | $18,583 | $8,088 | 77% |
| State Farm | $4,333 | $4,622 | $289 | 7% |
| Progressive | $5,960 | $5,989 | $29 | 0% |
| Shelter Insurance | $5,647 | $8,203 | $2,556 | 45% |
| Mercury Insurance | $9,408 | $10,009 | $601 | 6% |
| GEICO | $5,522 | $10,744 | $5,222 | 95% |
| Allstate | $9,282 | $13,112 | $3,830 | 41% |
| Oklahoma Farm Bureau | $7,873 | $13,425 | $5,552 | 71% |
| Farmers | $10,495 | $18,583 | $8,088 | 77% |
| USAA | $3,495 | $5,498 | $2,003 | 57% |
| USAA | $3,495 | $5,498 | $2,003 | 57% |
How much does a DUI raise your insurance in your city?
The most affordable city in Oklahoma for car insurance after a DUI is Duncan, while the most expensive is Spencer, with an 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. of $3,613. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.
This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Bixby | $2,236 | $3,410 | $1,174 | 53% |
| Cleveland | $2,189 | $3,247 | $1,058 | 48% |
| Corn | $2,094 | $3,076 | $982 | 47% |
| Duncan | $2,023 | $3,021 | $998 | 49% |
| Edmond | $2,269 | $3,409 | $1,140 | 50% |
| El Reno | $2,214 | $3,326 | $1,112 | 50% |
| Oklahoma City | $2,373 | $3,600 | $1,227 | 52% |
| Pond Creek | $2,078 | $3,081 | $1,003 | 48% |
| Seminole | $2,062 | $3,100 | $1,038 | 50% |
| Spencer | $2,414 | $3,613 | $1,199 | 50% |
| Tulsa | $2,339 | $3,590 | $1,251 | 53% |
| Woodward | $2,108 | $3,110 | $1,002 | 48% |
| Bixby | $2,236 | $3,410 | $1,174 | 53% |
| Cleveland | $2,189 | $3,247 | $1,058 | 48% |
| Corn | $2,094 | $3,076 | $982 | 47% |
| Duncan | $2,023 | $3,021 | $998 | 49% |
| Edmond | $2,269 | $3,409 | $1,140 | 50% |
| El Reno | $2,214 | $3,326 | $1,112 | 50% |
| Oklahoma City | $2,373 | $3,600 | $1,227 | 52% |
| Pond Creek | $2,078 | $3,081 | $1,003 | 48% |
| Seminole | $2,062 | $3,100 | $1,038 | 50% |
| Spencer | $2,414 | $3,613 | $1,199 | 50% |
| Tulsa | $2,339 | $3,590 | $1,251 | 53% |
| Woodward | $2,108 | $3,110 | $1,002 | 48% |
How to get car insurance after a DUI in Oklahoma
Insurers will label you as a high-risk driver after a DUI, but that doesn't mean you can't get car insurance. Finding the best fit after a DUI conviction may require a little work.
If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Oklahoma, as each company sets its own rates after a DUI.
Oklahoma DUI insurance requirements and penalties
A DUI in Oklahoma means you must meet specific high-risk driver requirements. In Oklahoma, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.
A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.
The table below highlights Oklahoma DUI laws and the penalties for both first-time and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.15 | 180 days | Yes | Mandatory for high BAC (0.15 or higher) and repeat convictions; highly incentivized for first convictions | Yes | Yes |
| 0.15 | 180 days | Yes | Mandatory for high BAC (0.15 or higher) and repeat convictions; highly incentivized for first convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a DUI can influence your rates for up to 10 years.
Drivers in Oklahoma can expect elevated car insurance rates after a DUI and expect it to stay on their record for life.
Tips to save money after a DUI
A DUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.
Oklahoma drivers can cut car insurance expenses after a DUI by:
- Raising their deductible to reduce monthly premiums
- Looking for discounts, such as multi-policy savings or safety feature discounts
- Keeping a clean driving record going forward
- Completing a defensive driving course
- Improving their credit score
- Comparing quotes from multiple insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, 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
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Oklahoma DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.
Will my insurance drop me after a DUI in Oklahoma?
Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.
Compare Oklahoma DUI car insurance rates with other states
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