Car insurance is not the most exciting thing to shop for, but it is a necessary expense for every driver in Oklahoma. With so many car insurance companies competing for your business, finding the cheapest car insurance in Oklahoma can be a daunting task. But fear not, we have done the research for you and compiled this ultimate guide to help you find the cheapest car insurance in Oklahoma.
Factors That Affect Car Insurance Rates in Oklahoma
Before we dive into the cheapest car insurance providers in Oklahoma, it’s important to understand the factors that affect car insurance rates. These factors include:
Factor |
Explanation |
Driving Record |
Drivers with a clean driving record are typically offered lower rates since they are considered less risky to insure. |
Age |
Youthful drivers and elderly drivers are more likely to be involved in accidents and are typically charged higher rates. |
Type of Vehicle |
Cars that are expensive to repair or replace are typically charged higher rates, as are cars that are more likely to be stolen. |
Location |
Drivers who live in urban areas with high traffic and crime rates may be charged higher rates than those who live in rural areas with lower traffic and crime rates. |
Credit Score |
Many car insurance companies use credit scores as a factor in determining rates, as studies have shown that drivers with higher credit scores are less likely to file claims. |
It’s important to keep these factors in mind when shopping for car insurance, as they can significantly impact the rates you are quoted.
Top 5 Cheapest Car Insurance Providers in Oklahoma
After researching and comparing car insurance providers in Oklahoma, we have found these to be the top 5 cheapest:
1. GEICO
GEICO is known for offering some of the lowest rates in the car insurance industry, and Oklahoma is no exception. Drivers who switch to GEICO can save an average of $375 per year on car insurance.
In addition to their low rates, GEICO also offers a variety of discounts, including safe driver discounts, military discounts, and student discounts.
However, it’s important to note that GEICO may not be the cheapest option for everyone. Factors such as driving record and location can impact rates, so it’s always best to get quotes from multiple providers.
2. State Farm
State Farm is the largest car insurance provider in the U.S. and offers competitive rates for drivers in Oklahoma. In addition to their low rates, State Farm also offers a variety of discounts, including multi-car discounts and safe driver discounts.
One unique feature of State Farm is their Drive Safe & Save program, which allows drivers to save money on their car insurance by tracking their driving behavior with a mobile app.
3. Progressive
Progressive is another popular car insurance provider in Oklahoma, offering competitive rates and a variety of discounts. Drivers can save an average of $668 per year on car insurance with Progressive.
One unique feature of Progressive is their Name Your Price tool, which allows drivers to input the price they are willing to pay for car insurance and then matches them with a policy that meets their needs and budget.
4. Allstate
Allstate is known for their reliable customer service and offers competitive rates for drivers in Oklahoma. In addition to their low rates, Allstate also offers a variety of discounts, including multi-policy discounts and safe driver discounts.
One unique feature of Allstate is their Drivewise program, which allows drivers to save money on their car insurance by tracking their driving behavior with a mobile app. Customers can earn rewards for safe driving and even receive cash back for safe driving habits.
5. USAA
USAA is a car insurance provider that caters exclusively to military members and their families. While not available to the general public, USAA offers some of the lowest rates in the industry for military members and their families in Oklahoma.
In addition to their low rates, USAA also offers a variety of discounts, including safe driver discounts, multi-vehicle discounts, and military deployment discounts.
FAQ: Frequently Asked Questions About Car Insurance in Oklahoma
1. Is car insurance required in Oklahoma?
Yes, every driver in Oklahoma is required to carry liability insurance with coverage limits of at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
2. What is the penalty for driving without insurance in Oklahoma?
Driving without insurance in Oklahoma can result in a fine of up to $250, and drivers may also have their license suspended or their vehicle registration revoked.
3. What is full coverage car insurance?
Full coverage car insurance typically includes liability insurance, collision insurance, and comprehensive insurance. While it may offer more protection than liability insurance alone, it is typically more expensive.
4. Can I get car insurance with a suspended license in Oklahoma?
No, drivers with a suspended license are not able to get car insurance in Oklahoma.
5. Can I get car insurance as a high-risk driver in Oklahoma?
Yes, high-risk drivers in Oklahoma can still get car insurance, although they may be charged higher rates. It’s important to shop around and compare rates from multiple providers to find the best deal.
Conclusion
Finding the cheapest car insurance in Oklahoma requires research and comparison, but it is possible to save money on car insurance without sacrificing coverage. By understanding the factors that affect car insurance rates and comparing quotes from multiple providers, you can find the car insurance policy that meets your needs and budget.
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