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Auto insurance and drunk driving in Oklahoma

Oklahoma has consistently had a reputation for being one of the most expensive auto insurance states in the United States. Even though the auto insurance rates dropped in 2012, as of December 2013 Oklahoma is the 4th most expensive auto insurance state in the country. The hazardous weather conditions with frequent blizzards, storms, hail, tornadoes have had a considerable impact on the accident rates, and in turn on the insurance rates. Another factor that contributes toward high insurance rates is the percentage of uninsured drivers.

The average annual insurance rate in Oklahoma is $2074. Bartlesville has the lowest average premium in Oklahoma, at $1743, which is still considerably higher than the national average, which is $1496. Tulsa has the highest average insurance rate, at $2217. According to the National Highway Traffic Safety Administration (NHTSA) data, there were 696 fatalities in 2011 due to accidents, of which 222, i.e., 32% were alcohol-impaired driving fatalities. In 2012, the total number of fatalities increased to 708, but the alcohol-impaired fatalities were 205, i.e., 29%. This is still a significant percentage of accidents.

Drunk driving increases auto insurance premiums and one alcohol-related offense conviction in Oklahoma will increase your premium to $3242 in Bartlesville. In Enid, your premium will increase from $1857 to $3454. In Broken Arrow, where the average premium is already high ($2105) a DUI conviction will increase your premium to $3915. In Tulsa, you could have to pay an average of $4124 after a DUI conviction. Most car insurance companies keep your rates high for at least three years after your first conviction.

Taking a defensive driving course could help lower your premium to $2756 in Bartlesville, $2936 in Enid, $3328 in Broken Arrow, and $ 3505 in Tulsa.  Moreover, it could help you brave the dangerous weather conditions in the state and make you a better driver.  A defensive driving course completion certificate is expected to lower your rates by 15 percent. It could also help make you a better driver in the stormy weather of Oklahoma.

Oklahoma offers best Audi A6 deal

Launched in the mid-size segment as a successor to the Audi 100, the Audi A6 is relatively evenly priced, when compared to the other models of the Audi lineage. However, the same cannot be said of the insurance percentages which vary vastly from state to state.

The buyers of Pennsylvania have to spend 10% of the median price towards insurance. However, the state has one of the lowest median prices ($19,500). Similarly buyers from Oregon, too, have to pay 9% of the median towards insurance, but the cost of the vehicle is less here when compared to states like Ohio and North Carolina.

The best state to buy the vehicle would be Oklahoma, where the median price of the car is as less as $11,954. Even at a whopping 21% of the median price for insurance, the insurance average rate amounts to $2627.

The car is the most expensive in the state of Kentucky where the median price is $40,721. The average insurance cost, however, amounts to $2255, which is cheaper than the average in Georgia, where the car is available for a median price of $35,700. In Georgia, 8% of the median price has to be shelled out for insuring the vehicle.

The Audi A6 is favorably priced in Virginia, where the median price of the car amounts to $15,000. The average rate of insurance in the state is $1527, i.e., 10% of the median price.

Though Maine has the cheapest average rate of insurance at 2%, the median price of the car is a whopping $38,885, which is only less than the median prices in Kentucky and New Hampshire, where at 3% of the median price, the buyer will have to shell an average of $1475 towards insurance.

The states of Tennessee and Oregon also have favorable median prices. At $18,990, the car is relatively lighter on the pockets of buyers, who have to shell an additional 9% for insuring the vehicle.

Oklahoma Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Oklahoma, OK.

Lowest Rate:$1700
Average Rate:$2100
Highest Rate:$4000

Recent Savings From Top Providers in Oklahoma

Rank Customer Zipcode Amount Saved
1 73102 $936
2 73002 $929
3 73003 $927
4 73004 $925

Compare Auto Insurance Companies in Oklahoma

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Farmers A 1928
Nationwide A+ 1925

Oklahoma Auto Insurance Requirements

Minimum limits of liability for auto insurance in Oklahoma as per OK State Laws

Bodily Injury Liability

  • $25,000 for death/injury of any one person, per accident.
  • $50,000 for all persons per accident.

Property Damage Liability

  • $25,000 per accident.

Oklahoma Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Oklahoma is the vehicle's make and model. Especially the vehicle's theft rates in Oklahoma

MakeInsurance Average PremiumView Details
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Related Links for Auto Insurance Alabama

  • Avg Rates in Oklahoma's Top Cities