Non-owner car insurance in Oklahoma: Best and cheapest companies

Cheapest non-owner car insurance companies in Oklahoma

State Farm offers the most affordable non-owner car insurance in Oklahoma, with rates averaging $132. The second cheapest Oklahoma non-owner insurer is Geico. Average rates are $155.

Compare the cheapest non-owner car insurance companies in Oklahoma below.

Company	Average annual premium	Average monthly premium
State Farm	$132	$11
Geico	$155	$13
Progressive	$250	$21
Mercury Insurance	$267	$22
Shelter Insurance	$357	$30
Farmers	$420	$35
USAA	$117	$10

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Best non-owner car insurance in Oklahoma

While State Farm is the top choice, Geico and Progressive are also great options for non-owner coverage.

To find the best non-owner car insurance companies in Oklahoma, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

The table below shows a comparison of the best non-owner car insurance companies in Oklahoma.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
State Farm	$132	833	0.70	A++	3.74
Geico	$155	819	0.91	A++	3.43
Progressive	$250	803	0.65	A+	3.20
Mercury Insurance	$267	794	0.84	A	2.59
Shelter Insurance	$357	851	1.18	A	2.49
Farmers	$420	819	0.80	A	2.47

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Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Oklahoma.

State Farm

State Farm is our top choice for non-owner car insurance in Oklahoma. Its average annual non-owner car insurance cost is $132. State Farm has an AM Best score of A++ and a low NAIC complaint ratio of 0.7.

Geico

Geico is another great option for non-owner car insurance in Oklahoma, with average rates of $155 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.91.

Progressive

Our third pick is Progressive. Progressive rates average $250. Its NAIC complaint ratio is 0.65, and it has a rating of A+.

PEOPLE ASK:

Do I need Oklahoma non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in Oklahoma

Non-owners car insurance in Oklahoma costs $242. However, the rates may differ based on factors such as your driving record, age and coverage level.

Non-owner car insurance in Oklahoma by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Oklahoma.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average Oklahoma non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$839	$786
Young Adults (20-24)	$389	$367
Adults (25-60)	$240	$242
Seniors (65-75)	$264	$248

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Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Oklahoma doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of 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. is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum policy	$242
Traditional state minimum policy	$408
State minimum car insurance limits	25/50/25

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What does Oklahoma non-owner car insurance cover?

A Oklahoma non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Oklahoma. But it won't pay for any damage to the car itself.

Non-owner car insurance is secondary, so it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Oklahoma

Oklahoma drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owners car insurance averages $242 in Oklahoma, and State Farm offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Take the time to compare options to find the best non-owner car insurance in Oklahoma. Use the tool above to easily compare non-owner insurance providers near you.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume. Overall customer satisfaction ratings were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.