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Oklahoma Car Insurance Guide (Cheap Rates + Best Companies)

Oklahoma Statistics SummaryDetails
Road Miles
Total in State: 112,637
Vehicle Miles Driven: 47.7 billion
Driving DeathsSpeeding: 143
Drunk Driving: 683
VehiclesRegistered: 3.4 million
Total Stolen: 10,583
Most Popular VehicleFord F-150
Average Premiums (Annual)Liability: $461.01
Collision: $318.47
Comprehensive: $225.84
Combined Premium: $1,005,32
Percentage of Motorists Uninsured10.50%
State Rank: 31th
Cheapest ProviderState Farm Mutual Auto

Welcome to Oklahoma, often referred to as the “Sooner State.” When you hear Oklahoma, you often think of wide-open spaces, oil, and tornados, which is accurate, as all of these have a place in the Sooner State.

Oil is a major way of life and can even be found under the state capital building. Oklahoma City Oil Field has 13,770 productive acres. Oklahoma averages 52 tornados a year. It is not surprising it was the setting for the movie Twister (see below).

Just another reason you should ensure you have the right coverage. Start comparing with our free quote box above.

Oklahoma Car Insurance Coverage & Rates

Car insurance can be a confusing topic. How much do you need? Where can you find the best rates?

If you google car insurance, you get a plethora of options to chose from, and that can be very confusing. We are going to answer those questions and more as you read.

We make it so easy you can enter your zip code here and use our free comparison quote tool.

– Oklahoma’s Car Culture

Ouachitas, Arbuckles, Wichitas, and the Kiamichis are the four mountain ranges located in the Sooner State. It is no surprise Oklahoma is a state filled with pickup trucks and 4×4 off-roading vehicles.

Oklahoma prides itself on the famous roadway called Route 66, and they even have a museum honoring this monumental road.

– Oklahoma Minimum Coverage 

How much coverage do you need on your vehicle? Oklahoma has a minimum required amount, but remember this is the minimum amount.

Insurance RequiredMinimum Limits: 25/50/25
Body Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$25,000 minimum

These are the limits that will be paid out by your insurance company to the other party if you are found at fault. If you are in a serious accident with a luxury car, these limits may not be enough to cover the loss, and you would be responsible for the remaining balance.

These limits do not cover you in an accident where you are at fault. You can add additional coverages to your policy to cover you and your vehicle. We will take a more in-depth look at those coverages in another section.

It is always wise to talk to your insurance agent and see how much coverage would cost. We will be looking further into rates, and the rates for more coverage might be surprising.

We will also take a look at the penalties for driving without the minimum requirements. You must be able to show proof of your insurance, which you can do with a copy of your policy or ID card. In Oklahoma, you can also show electronic proof via your smartphone or other devices.

– Forms of Financial Responsibility 

All drivers must have an active insurance policy covering their registered vehicles. This prevents drivers from being on the road with no insurance, being unable to pay for an accident they caused.

– Premiums as a Percentage of Income 

Since you know you need insurance, the next question is usually how much will I be paying for it?

Full Coverage
2014
Disposable
Income 2014
Insurance as %
of Income 2014
Full Coverage
2013
Disposable
Income 2013
Insurance as %
of Income 2013
Full Coverage
2012
Disposable
Income 2012
Insurance as %
of Income 2012
$985.58$40,879.002.41%$931.41$38,623.002.41%$902.90$37,298.002.42%

We took the average income and average rates for three years and found about 2.4 percent of your income should be allocated for insurance premiums.

You can use our free percentage tool to input your exact numbers.

CalculatorPro

– Core Coverages

We took a look at the average premiums for the below core coverages.

Coverage TypeAnnual Costs (2015)
Liability$461.01
Collision$318.47
Comprehensive$225.84
Combined$1,005.32

As we mentioned earlier, liability insurance will cover the other person if you are at fault. Comprehensive and collision work a little differently. They cover your vehicle whether you are at fault or not.

Full coverage, or combined coverage, is when you opt to have all three above coverages.

– Additional Liability 

There are also other liability coverages you can add to your policy.

Medical payments can be added to your policy to cover medical expenses for anyone in your vehicle at the time of the accident. This coverage will be paid out regardless of who is at fault.

Uninsured and underinsured motorists coverage is for accidents involving someone at fault with no or little insurance, to make sure you’re covered even if it’s not by them.

It is good to know you have coverage that your company will payout on in the event of a loss. We can look at a company’s loss ratio to determine how they payout and also how well they are doing financially.

Loss ratio is the ratio between earned premiums and paid claims. For instance, if a company writes $100,000 of premium and pays out $50,000 in claims, its loss ratio is 50 percent.

If a company’s loss ratio is 100 or higher, the company isn’t making much money and could be headed toward financial danger. If the company has a lower loss ratio, like 50 or below, they may not be very good about paying out claims.

Loss Ratio201320142015
Medical Payments (MedPay)63%66%66%
Uninsured/Underinsured Motorist Coverage (UUM)65%63%63%

– Add-Ons, Endorsements, & Riders

Many other added coverages can be endorsed on your policy. We have taken some of the most common added coverages and listed them below.

– Demographic Rates

So, who pays more? Well from the table below we see young males pay the highest in insurance premiums, followed closely by young females.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,328.59$2,340.04$2,141.58$2,249.20$7,139.27$8,374.22$2,516.93$2,659.13
Farmers Ins Co$2,388.47$2,371.89$2,146.04$2,266.74$9,093.76$9,327.58$2,709.31$2,835.43
Geico Cas$2,253.30$2,465.41$2,404.73$2,704.77$6,619.94$7,073.30$1,975.53$2,001.68
SAFECO Ins Co of America$4,632.47$4,896.08$4,069.22$4,435.89$12,935.67$14,212.79$4,819.54$4,995.32
Progressive Northern$2,671.48$2,540.84$2,198.84$2,327.53$10,613.86$11,900.02$3,126.90$3,279.31
State Farm Mutual Auto$1,920.57$1,920.57$1,690.71$1,690.71$4,875.91$6,153.78$2,017.34$2,264.81
USAA$1,883.69$1,887.12$1,807.32$1,826.96$6,095.05$6,803.79$2,425.69$2,663.55

Females, in all age brackets, tend to pay slightly less than males.

– Cheapest Rates by Zip Code

Where you live can also play a part in how much you pay. Below is a chart showing the cheapest and most expensive zip codes in Oklahoma.

Least Expensive Zip CodesAverageMost Expensive Zip CodesAverage
Manitou 73555$3,646.98Tulsa 74110$5,150.50
Frederick 73542$3,650.18Tulsa 74115$5,130.85
Altus 73521$3,682.05Tulsa 74106$5,113.35
Elmer 73539$3,692.21Tulsa 74103$5,031.82
Tipton 73570$3,692.55Tulsa 74146$4,996.54
Eldorado 73537$3,694.92Tulsa 74120$4,955.86
Goodwell 73939$3,704.39Tulsa 74128$4,946.22
Kenton 73946$3,715.81Tulsa 74119$4,938.24
Headrick 73549$3,722.42Tulsa 74129$4,932.56
Altus 73523$3,724.33Tulsa 74126$4,924.71
Hooker 73945$3,725.51Tulsa 74134$4,923.31
Felt 73937$3,725.60Tulsa 74116$4,912.91
Tyrone 73951$3,725.68Tulsa 74104$4,906.22
Hardesty 73944$3,726.17Tulsa 74112$4,905.35
Indiahoma 73552$3,727.43Oklahoma City 73119$4,901.45
Enid 73703$3,729.94Tulsa 74172$4,895.94
Forgan 73938$3,732.65Oklahoma City 73106$4,893.94
Turpin 73950$3,734.52Tulsa 74130$4,887.69
Guymon 73942$3,735.69Tulsa 74135$4,883.58
Texhoma 73949$3,737.64Oklahoma City 73102$4,879.88
Balko 73931$3,743.28Oklahoma City 73108$4,873.81
Blair 73526$3,745.24Oklahoma City 73103$4,872.88
Beaver 73932$3,746.46Tulsa 74127$4,870.80
Elgin 73538$3,753.25Tulsa 74105$4,869.18
Boise City 73933$3,754.57Oklahoma City 73109$4,867.95

– Cheapest Rates by City

We have also taken this information and separated it by cities in Oklahoma.

Most Expensive CitiesAverage Grand TotalLeast Expensive CitiesAverage Grand Total
TULSA$4,883.32ALTUS AFB$3724.33
OKLAHOMA CITY$4,723.14HEADRICK$3722.42
GLENPOOL$4,659.68KENTON$3715.81
BROKEN ARROW$4,615.49GOODWELL$3704.39
BETHANY$4,603.06ELDORADO$3694.92
WHEATLAND$4,559.24TIPTON$3692.55
SPENCER$4,547.02ELMER$3692.21
BIXBY$4,539.08ALTUS$3682.05
SPERRY$4,535.05FREDERICK$3650.18
JENKS$4,533.23MANITOU$3646.98

 Best Oklahoma Car Insurance Companies

Since you need to buy insurance, it’s best to do so from a reputable company.

We are going to look at the biggest insurance companies in Oklahoma. We will break down their rates and what factors they use to give rates to customers. We will also look at their financial information and customer service satisfaction.

Every company will try to sell themselves to customers. It is their job. We are going to take the guessing out of which ones would be a good fit and which ones you should avoid.

– The Largest Companies’ Financial Rating

AM Best is one of the largest financial rating companies available. They specialize in the insurance industry.

You can find the following information about the company on their website: “AM Best was founded in 1899 by Alfred M. Best with the mission to report on the financial stability of insurers and the insurance industry. It is the oldest and most widely recognized provider of ratings, financial data and news with an exclusive insurance industry focus.”

Ratings are issued on approximately 3,500 companies in more than 90 countries worldwide.

Best’s Credit Ratings are an essential tool to help the financial industry and consumers assess an insurer’s financial strength, creditworthiness, and ability to honor obligations to policyholders worldwide.

We have taken the top 10 largest insurance carriers in Oklahoma and listed their AM Best ratings below.

ProvidersAM RatingDirect Premiums WrittenMarket ShareLoss Ratio
State Farm Group
A$677,19225.41%57.03%
Farmer's Insurance GroupNR$303,20711.38%51.38%
Progressive GroupA+$238,9518.96%55.51%
Allstate Insurance GroupA+$186,4487.00%48.05%
GeicoA++$184,1966.91%66.79%
Liberty Mutual GroupA$174,6546.55%57.68%
USAA GroupNR$172,9146.49%69.06%
Oklahoma Farm Bureau GroupB+$105,7123.97%55.16%
CSAA Insurance GroupA$103,3783.88%50.54%
Shelter Insurance GroupA$92,1673.46%61.81%

– Companies with Best Ratings

J.D. Power uses customer feedback to get accurate customer service ratings. This information not only helps consumers when buying and receiving services but also helps the business learn how to do better and raise customer satisfaction levels.

– Companies with Most Complaints in Oklahoma 

We have looked at the good financial scores and the excellent customer service, but now we have to also look at the bad. You can find complaints of Oklahoma insurers on the Oklahoma Insurance Commissioner website.

ProvidersCompany Complaint Ratio 2017Total Complaints 2017
State Farm Group0.441,482
Farmers Insurance Group00
Progressive Group0.75120
Allstate Insurance Group0.5163
Geico.0076
Liberty Mutual Group.0076
USSA Group02
Oklahoma Farm Bureau Group0.212
CSAA Insurance Group3.976
Shelter Insurance Group0.6147

– Cheapest Companies in Oklahoma

Where can you get the best rates? Well, we took some of the cheapest companies in Oklahoma and compared them against the state average.

CompanyCompany Annual AveragePercentage Compared to State Annual Average
State Farm Mutual Auto$2,816.80-47.06%
USAA$3,174.15-30.50%
Geico$3,437.33-20.51%
Allstate F&C$3,718.62-11.39%
Farmers Insurance Co$4,142.400.0%
Progressive Northern$4,832.3514.28%
SAFECO Insurance Co of America$6,874.6239.74%

State Farm and USAA were by far the cheapest when comparing their rates to the state averages.

– Commute Rates by Companies

If you have a long commute to work, it could increase your insurance premium. The more miles you are on the road, the more likely an insurance carrier can view you as a high risk.

As you can tell from the chart below, Oklahoma insurers do not weigh heavily, if at all, on your commute or miles per year.

CompanyCommute and Annual MileageAverage Annual Rate
Liberty Mutual10 miles commute. 6000 annual mileage.$6,874.62
Liberty Mutual25 miles commute. 6000 annual mileage.$6,874.62
Progressive10 miles commute. 6000 annual mileage.$4,832.35
Progressive25 miles commute. 12000 annual mileage.$4,832.35
Farmers10 miles commute. 6000 annual mileage.$4,142.40
Farmers25 miles commute. 12000 annual mileage.$4,142.40
Allstate10 miles commute. 6000 annual mileage.$3,718.62
Allstate25 miles commute. 12000 annual mileage.$3,718.62
Geico10 miles commute. 6000 annual mileage.$3,371.88
Geico25 miles commute. 12000 annual mileage.$3,502.79
USAA10 miles commute. 6000 annual mileage.$3,135.87
USAA25 miles commute. 12000 annual mileage.$3,212.43
State Farm10 miles commute. 6000 annual mileage.$2,768.69
State Farm25 miles commute. 12000 annual mileage.$2,864.91

– Coverage Level Rates by Companies

Often when you are looking at your budget, you tend to cut things you do not readily need. Insurance tends to be one of those areas that do not take precedence since it is not something you use daily. It may seem like a necessity, but consumers will cut the cost by buying minimum limits.

All you are required to buy is the minimal coverage, but the more you buy, the more protected you are.  We compared the rates for low, medium, and high coverage.

GroupCoverage TypeAnnual Average
Liberty MutualHigh$7,253.93
Liberty MutualMedium$6,849.85
Liberty MutualLow$6,520.08
ProgressiveHigh$5,214.67
ProgressiveMedium$4,801.19
ProgressiveLow$4,481.18
FarmersHigh$4,369.10
FarmersMedium$4,095.52
FarmersLow$3,962.59
AllstateHigh$3,958.78
AllstateMedium$3,703.87
GeicoHigh$3,670.99
AllstateLow$3,493.21
GeicoMedium$3,442.87
USAAHigh$3,308.89
GeicoLow$3,198.14
USAAMedium$3,165.21
USAALow$3,048.34
State FarmHigh$3,007.85
State FarmMedium$2,796.58
State FarmLow$2,645.97

As you can see from the rates, State Farm has the lowest rates for all three levels of coverage.

– Credit History Rates by Companies

When you have a larger purchase to make, such as a car or home, your credit follows you. If you have better credit you can normally get a better interest rate. What else does your credit history affect? Your insurance rates.

GroupGood CreditFair CreditPoor Credit
Allstate$3,073.21$3,484.29$4,598.37
Farmers$3,735.69$3,927.60$4,763.91
Geico$2,732.76$3,437.33$4,141.91
Liberty Mutual$4,724.45$6,024.91$9,874.49
Progressive$4,340.94$4,669.23$5,486.87
State Farm$2,020.90$2,510.32$3,919.18
USAA$2,139.63$2,681.79$4,701.02

Take a look at the Liberty Mutual rates above. A lower credit score can raise your rate by several thousand dollars. The average Oklahoma resident has a credit score of 656, which is a “near-prime” score.

– Driving Record Rates by Companies

Your driving record is the most obvious rating factor with your insurance premium.

CompanyDriving RecordAverage Annual Rate
Liberty MutualWith 1 DUI$8,761.12
Liberty MutualWith 1 accident$7,744.42
ProgressiveWith 1 accident$6,992.38
Liberty MutualWith 1 speeding violation$6,369.71
Liberty MutualClean record$4,623.23
FarmersWith 1 accident$4,490.66
ProgressiveWith 1 speeding violation$4,419.80
FarmersWith 1 DUI$4,381.87
AllstateWith 1 DUI$4,329.11
GeicoWith 1 DUI$4,256.03
FarmersWith 1 speeding violation$4,199.60
ProgressiveWith 1 DUI$4,154.13
USAAWith 1 DUI$4,112.53
GeicoWith 1 accident$3,835.75
ProgressiveClean record$3,763.08
AllstateWith 1 accident$3,749.51
AllstateWith 1 speeding violation$3,597.46
FarmersClean record$3,497.47
USAAWith 1 accident$3,362.41
AllstateClean record$3,198.39
GeicoWith 1 speeding violation$3,153.48
State FarmWith 1 accident$3,017.59
USAAWith 1 speeding violation$2,880.43
State FarmWith 1 DUI$2,816.80
State FarmWith 1 speeding violation$2,816.80
State FarmClean record$2,616.01
GeicoClean record$2,504.07
USAAClean record$2,341.22

Going from a clean record to a DUI conviction usually causes the biggest jump in premiums.

– Largest Car Insurance Companies in Oklahoma

Here is a list of the largest insurance companies in Oklahoma.

ProvidersDirect Premiums WrittenMarket Share
State Farm Group$677,19225.41%
Farmer's Insurance Group$303,20711.38%
Progressive Group$238,9518.96%
Allstate Insurance Group$186,4487.00%
Geico$184,1966.91%
Liberty Mutual Group$174,6546.55%
USAA Group$172,9146.49%
Oklahoma Farm Bureau Group$105,7123.97%
CSAA Insurance Group$103,3783.88%
Shelter Insurance Group$92,1673.46%

– Number of Insurers in Oklahoma

So how many insurers are available to Oklahoma drivers? The total number is 904. We divide insurers by foreign and domestic, “foreign” meaning the insurer was formed under out of state laws, “domestic” meaning insurers are formed under Oklahoma state law.

Domestic CompaniesForeign CompaniesTotal Number of Licensed Insurers
31873904

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Oklahoma State Laws 

In this next section, we are going to focus on the state laws of Oklahoma.  Laws keep drivers safe on the roadways.

We are going to look at car insurance laws, like windshield and fraud, and then move to license laws. This is a great section for a new resident or for parents with teens wanting to get their license.

The rules of the road will wrap up this section with speeding laws, seatbelts, and more.

– Car Insurance Laws

Car insurance and laws are both difficult things to research and understand, and if you put them together you may want to avoid the topic altogether.

To help you through this, we are going to break down the laws and help you understand them.

– How State Laws for Insurance are Determined 

State laws shape insurance regulations. The National Association of Insurance Commissioners lists out laws and regulations for each state. You can visit their website here to take a look or keep reading as we will cover the laws below.

– Windshield Coverage

We all hate when we are following a truck and suddenly hear the crack of a rock hitting our windshield. Do you have coverage for a broken windshield?

Most companies have windshield coverage if you have comprehensive coverage added to your policy. If you do need to replace or repair your windshield, Oklahoma has no unique laws. Your insurer may want you to use only approved repair shops, and they can use aftermarket parts if stated in the estimate given.

– High-Risk Insurance

You could be considered a high-risk driver if you have been convicted of driving under the influence or have numerous violations on your license.

Oklahoma does not require SR-22 insurance filing, but if you currently have to file SR-22 you will still need to do so if you are a new resident to Oklahoma.

High-risk insurance may not cost you in regards to your filing, but if you have been convicted of a DUI or other violations, your insurance could be extremely high or you could have your license suspended — but more about that later.

– Low-Cost Insurance

Oklahoma does not currently have a program for low-income families to obtain insurance. California, Hawaii, and New Jersey are the only states that have government programs.

– Automobile Insurance Fraud in Oklahoma

The Insurance Information Institute says the following regarding fraud:

Insurance industry estimates generally put fraud at about 10 percent of the property/casualty insurance industry’s incurred losses and loss adjustment expenses each year, although the figure can fluctuate based on line of business, economic conditions and other factors.[1]. Using this measure, over the five-year period from 2013 to 2017, property/casualty fraud amounted to about $30 billion each year. Also, the Federal Bureau of Investigation said that healthcare fraud, both private and public, is an estimated 3 – 10 percent of total healthcare expenditures.[2]

That is a lot of money going to fraudulent claims every year.

There are two types of fraud: soft and hard. Soft fraud is the lies people may tell regarding mileage or making claims more than what they are. Hard fraud is when someone deliberately fabricates a story.

Fraud is illegal, and if you suspect it’s occurring, you should report it. Oklahoma takes fraud seriously and has an anti-fraud department dedicated to these crimes. You can find the Oklahoma Department of Insurance contact information here.

– Statute of Limitations

Statute of limitations is the time you have to file a claim. It is always better to file a claim as soon as it happens, but a consumer has two years, for both physical injury and property damage, to file a claim in the state of Oklahoma.

– Vehicle Licensing Laws

You must maintain proper licensing, just like you must maintain insurance on your vehicle. We are going to break down the licensing laws of Oklahoma and find out what happens if you decide to drive without insurance.

– Real ID

The Real ID Act was passed by Congress in 2005 to set standards in the issuance of licenses in all states to maintain safety. If your state complies with these standards, you will be allowed to enter federal buildings and commercial aircraft carriers with your state driver’s license.

Oklahoma has filed an extension with the federal government to allow Oklahoma residents to use their current license rather than the new Real ID license.

– Penalties for Driving Without Insurance 

Oklahoma does not tolerate drivers operating a vehicle without insurance. The following can happen if you are found driving without insurance:

  • A $250 fine
  • Possible jail time up to 30 days
  • Seizure of car and tags
  • A reinstatement fee of $125 to obtain a license once insurance has been proved

You have 10 days to obtain valid insurance once you have been found without insurance.

– Teen Driver Laws

The rite of passage for all teens is to get their driver’s license. Oklahoma has some laws to protect teens once they do.

To get your learner’s permit in Oklahoma, you must be 15 years and six months old. You must have your leaner’s permit for six months before being able to receive your license at 16 years of age.

At 16 years old you may take your driver’s test only after you have had 50 hours of supervised driving — 1o of those being at night. It does not stop there, though. Oklahoma also has the below restrictions for teen drivers.

RestrictionsLimitations
Nighttime restrictions10 p.m. to 5 a.m.
Passenger restrictions (family members excluded unless noted otherwise)no more than 1 passenger
Nighttime restrictions-6 months with driver education
-12 months without driver education or until age 18 (minimum age: 16 1/2)
Passenger restrictions-6 months with driver education
-12 months without driver education or until age 18 (minimum age: 16 1/2)

– New Residents

Welcome to the Sooner State! If you have moved to Oklahoma and have a valid out-of-state license, you can have your license changed to an Oklahoma license without taking the written or driving test.

Once you take your vision test and have shown the approved proof of resident and identification, you can get your Oklahoma driver’s license.

– License Renewal Procedures

All license renewals in Oklahoma are the same, no matter your age. Every four years you must renew your driver’s license. You can not renew your license online or through mail at this time.

– Rules of the Road

All states have rules to keep drivers safe. We are going to look at Oklahoma’s rules regarding seat belts, speed limits, and more.

– Fault vs. No-Fault

Oklahoma is an at-fault state when it comes to accidents. This means that if you are in an accident, the party at fault will be held responsible for damages and injury.

– Seat Belt & Car Seat Laws 

Most states have seat-belt and car-seat-safety laws. Oklahoma laws are listed below.

Type of Car Seat RequiredAge
Rear-Facing Child Safety SeatYounger than 2 years (or until a child outgrows the manufacturer's top height or weight recommendations)
Child Restraint SystemYounger than four years old
Child Restraint or Booster SeatFour to seven years old (can't be taller than 4'9")
Adult Belt PermissibleOver eight years old (or taller than 4'9")

Riding in the cargo area of a truck is allowed in Oklahoma.

– Keep Right & Move Over Laws 

Most drivers know the feeling of driving on the interstate behind a driver going below the speed limit. This is often a safety issue when drivers are trying to maneuver around slow drivers. All drivers going below the speed limit must stay to the right on Oklahoma roads.

Move over laws are also important for safety purposes. When approaching any emergency vehicle with flashing lights or maintenance vehicles, drivers are to vacate the closest lane to that vehicle.

– Speed Limits 

Most speed limits are posted clearly on roads. Below is a chart listing most Oklahoma road speed limits.

Type of RoadwaySpeed Limit
Rural Interstates75 mph
Urban Interstates70 mph
Other Limited Access Roads70 mph
Other Roads70 mph

Remember, speed limits are subject to change, especially in construction zones.

– Ridesharing 

Ridesharing has become a popular way to get a ride or make some extra cash on the side. Companies like Uber and Lyft have made ridesharing readily available to most drivers or riders.

If you want to become a driver for a ridesharing company, you must verify with your insurance company that you have coverage for ridesharing usage.

The following companies allow ridesharing use in Oklahoma:

  • Allstate
  • Farmers
  • Geico
  • Mercury
  • State Farm
  • USAA

– Safety Laws

Oklahoma has laws in place to help keep dangerous drivers off the road. Driving under the influence of drugs or alcohol and distracted driving has become a danger on the road. We are going to take a look at the laws and penalties for this type of dangerous activity.

– DUI Laws 

Type of OffenseDrinking Limits
BAC Limit0.08
High BAC Limit0.15
Criminal Status1st misdemeanor, 2nd+ in 10 years felony
Look Back Period10 years

If you are convicted of driving under the influence in Oklahoma, you will be charged with a misdemeanor for your first offense. If you are convicted again, you will have a felony on your record.

If convicted, you could have possible jail time, license suspensions, and fines, not to mention you could harm or kill yourself or others. The use of marijuana is also considered driving under the influence. Oklahoma has not legalized the use of marijuana.

DUI - 1st OffenseConsequences
License Revoked1 to 6 months
Jail Time5 days to 1 year
Fineno minimum but up to $1,000
OtherIID (ignition interlock) required for 18 months if BAC is 0.15+
DUI - 2nd OffenseConsequences
License Revoked6 months minimum
Jail Time1-5 years
Fineno minimum but up to $2,500
OtherIID (ignition interlock) required for 5 years
DUI - 3rd OffenseConsequences
License Revoked1-3 years
Jail Time1-10 years
Fineno minimum but up to $5,000
OtherIID (ignition interlock) required for 5 years

– Distracted Driving Laws

You are unlikely to find an adult — or child — without a cell phone these days. Driving and cell phones are not a good mix. Texting while driving is banned in all of Oklahoma.

Laws on Cellphones while Driving in OklahomaWho it Affects
Hand-held banLearner's permit and intermediate license holders
Text banAll drivers
EnforcementPrimary

Driving in Oklahoma

We have covered a lot about Oklahoma insurance and driving laws. Now, we are going to take a look at the things we all want to avoid, theft and roadway fatalities.

– Vehicle Theft in Oklahoma

It is no surprise that the top four most-stolen vehicles are pickup trucks.

Car Model and MakeMost Popular Year of Vehicle StolenTotal Number of Vehicles Stolen
Chevrolet Pickup (Full Size)19941143
Ford Pickup (Full Size)2004780
Dodge Pickup (Full Size)2001419
GMC Pickup (Full Size)1994304
Honda Civic1998292
Honda Accord1996269
Chevrolet Impala2005181
Chevrolet Pickup (Small Size)1998127
Ford Explorer2002123
Chevrolet Malibu2009119

We gathered information from the Federal Bureau of Investigation to find which cities have the most stolen vehicles. Where does your city rank on the list?

StatePopulationStolen Vehicles
Achille5210
Ada17,45541
Allen9352
Altus19,05441
Alva5,1496
Amber4601
Anadarko6,75615
Antlers2,3063
Apache1,4394
Ardmore25,21163
Arkoma1,9147
Atoka3,0568
Barnsdall1,1972
Bartlesville36,788101
Beaver1,4290
Beggs1,2440
Bethany19,62072
Big Cabin2571
Bixby26,13166
Blackwell6,7658
Blanchard8,64912
Boise City1,0740
Bokoshe4930
Boley1,1830
Bristow4,25118
Broken Arrow108,823229
Broken Bow4,10022
Cache2,8573
Caddo1,0704
Calera2,2954
Caney1971
Carnegie1,7112
Carney6642
Cashion8600
Catoosa7,12968
Cement4990
Chandler3,1943
Chattanooga4410
Checotah3,20715
Chelsea1,9721
Cherokee1,5531
Chickasha16,48933
Choctaw12,55612
Chouteau2,0882
Claremore19,14730
Clayton7806
Cleveland3,2173
Clinton9,45519
Coalgate1,8501
Colbert1,2071
Colcord8142
Collinsville6,8364
Comanche1,5953
Cordell2,8524
Covington5470
Coweta9,71837
Crescent1,5641
Cushing7,79015
Cyril1,0530
Davenport8261
Davis2,8225
Del City22,046105
Depew4820
Dewar8651
Dewey3,5136
Dibble8460
Dickson1,2530
Drumright2,8705
Duncan22,90947
Durant17,87152
Earlsboro6445
Edmond92,87666
Elgin3,1641
Elk City12,05717
Elmore City7080
El Reno19,13325
Enid51,25792
Erick1,0341
Eufaula2,97117
Fairfax1,3352
Fairview2,6724
Fletcher1,1380
Forest Park1,0821
Fort Gibson4,0455
Frederick3,6214
Geary1,2867
Glenpool13,95418
Goodwell1,3110
Gore9391
Grandfield9550
Granite2,0080
Grove6,86823
Guthrie11,71321
Guymon11,73310
Haileyville7620
Harrah6,2156
Hartshorne1,9666
Haskell1,9600
Healdton2,7572
Heavener3,3283
Hennessey2,2192
Henryetta5,73718
Hinton3,2736
Hobart3,5670
Holdenville5,66310
Hollis1,8862
Hominy3,4857
Hooker1,9591
Howe7890
Hulbert6070
Hydro9591
Idabel6,94014
Jay2,5204
Jenks22,69332
Jennings3592
Jones3,0677
Kellyville1,1472
Kiefer1,9684
Kingfisher4,9316
Kingston1,6341
Konawa1,2674
Krebs1,9289
Lahoma6450
Lamont4020
Langley8197
Langston1,8570
Lawton94,134314
Lexington2,1697
Lindsay2,8276
Locust Grove1,4013
Lone Grove5,2523
Luther1,6751
Madill3,9377
Mangum2,8486
Mannford3,1503
Marietta2,7826
Marlow4,5207
Maud1,0772
Maysville1,2330
McAlester18,18148
McCurtain5101
McLoud4,65610
Medicine Park4470
Meeker1,1790
Miami13,47013
Midwest City57,772143
Minco1,6490
Moffett1210
Moore62,476101
Mooreland1,2400
Morris1,4640
Mounds1,2000
Mountain View7591
Muldrow3,2507
Muskogee38,199110
Mustang21,39213
Nash2020
Newcastle10,01124
Newkirk2,2172
Nichols Hills3,9406
Nicoma Park2,4737
Ninnekah1,0330
Noble6,79910
Norman124,074277
North Enid9220
Nowata3,7092
Oilton1,0151
Okemah3,23910
Oklahoma City648,2602,800
Okmulgee12,18325
Olustee5760
Owasso36,86977
Paoli6160
Pauls Valley6,22516
Pawhuska3,4615
Pawnee2,1607
Perkins2,8416
Perry5,0006
Piedmont7,7381
Pocola4,0734
Ponca City24,39748
Pond Creek8540
Porum7070
Poteau8,91321
Prague2,4644
Pryor Creek9,51740
Purcell6,48322
Quinton9873
Ringling9891
Roland3,7206
Rush Springs1,2713
Salina1,3813
Sallisaw8,5488
Sand Springs19,97775
Sapulpa21,06283
Savanna6422
Sawyer3120
Sayre4,6446
Seiling8500
Seminole7,41518
Shady Point9951
Shattuck1,3331
Shawnee31,725155
Skiatook8,01821
Snyder1,3261
South Coffeyville7582
Sparks1740
Spencer4,03113
Sperry1,29210
Spiro2,1842
Sportsmen Acres3120
Stigler2,7605
Stillwater50,15960
Stilwell4,06220
Stratford1,5394
Stringtown4010
Stroud2,7929
Sulphur5,1056
Tahlequah16,90543
Talala2781
Talihina1,0941
Tecumseh6,69914
Texhoma9551
Thackerville4780
The Village9,51211
Thomas1,2351
Tipton7790
Tishomingo3,1196
Tonkawa3,0773
Tryon5051
Tulsa404,8683,460
Tupelo3131
Tushka3010
Tuttle7,14024
Tyrone7690
Union City2,0532
Valley Brook7799
Valliant7370
Velma6020
Verden5270
Verdigris4,4884
Vian1,3834
Vici7020
Vinita5,5329
Wagoner8,93110
Wakita3391
Walters2,4642
Warner1,6141
Warr Acres10,48046
Washington6550
Watonga2,9312
Watts3102
Waukomis1,3490
Waynoka9602
Weatherford12,17814
Webbers Falls5930
Weleetka9812
West Siloam Springs83914
Westville1,5618
Wewoka3,3903
Wilburton2,6334
Wilson1,7210
Wister1,0671
Woodward12,65518
Wright City7330
Wyandotte3300
Wynnewood2,2272
Wynona4400
Yale1,2075
Yukon26,97117

– Road Fatalities in Oklahoma

No matter how cautious of a driver you are, road fatalities still occur. In this next section, we have gathered information about when and where most fatalities in Oklahoma happen. We give you this information to help spread awareness and hopefully help prevent fatalities in the future.

– Most fatal highway in Oklahoma 

Route 69 runs north to south over 260 miles of Oklahoma roadway. This road is considered to be the most fatal highway with an average of 13 deaths a year.

– Fatal Crashes by Weather Condition & Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal28150195273556
Rain133171135
Snow/Sleet001001
Other7170015
Unknown111014
TOTAL30255221285611

Many drivers think rain and dark bring accidents, but as you can see from the table above, that is not always the case. Most accidents in Oklahoma happen in lighted, normal conditions.

– Fatalities by County

Here is a list of fatalities by county. Larger cities like Tulsa and Oklahoma see higher rates of fatalities due to population size.

County20132014201520162017
Adair43328
Alfalfa11321
Atoka89357
Beaver25524
Beckham46985
Blaine47128
Bryan1017112011
Caddo13147712
Canadian1214121724
Carter1416111111
Cherokee6971011
Choctaw15587
Cimarron01212
Cleveland2116281425
Coal21010
Comanche1515121516
Cotton52432
Craig87062
Creek231214148
Custer55657
Delaware15117108
Dewey36352
Ellis54111
Garfield1074105
Garvin8155127
Grady1917171614
Grant32350
Greer32154
Harmon00101
Harper01362
Haskell25224
Hughes22223
Jackson23342
Jefferson21140
Johnston63235
Kay1221564
Kingfisher35667
Kiowa53504
Latimer31434
Le Flore710141816
Lincoln141191111
Logan510772
Love46356
Major72753
Marshall24443
Mayes121572114
Mcclain9771614
Mccurtain16981411
Mcintosh63573
Murray49445
Muskogee20111455
Noble93147
Nowata410625
Okfuskee44145
Oklahoma7573858890
Okmulgee10127133
Osage758811
Ottawa8411714
Pawnee32364
Payne222016109
Pittsburg10713710
Pontotoc798149
Pottawatomie69202112
Pushmataha35513
Roger Mills33030
Rogers141322169
Seminole61351012
Sequoyah610828
Stephens511643
Texas03837
Tillman00011
Tulsa7161726770
Wagoner16156106
Washington16665
Washita88515
Woods71220
Woodward610476

– Traffic Fatalities 

More roadway deaths happen in rural areas than urban.

Road Type2008200920102011201220132014201520162017
Rural523498465497468499468391426417
Urban226239203199241229201254260238
Total750737668696709678669645687655

– Fatalities by Person Type

Passenger car occupants have more fatalities than other vehicles or pedestrians.

Traffic Deaths by Person Type20132014201520162017
Passenger Car Occupants230226222207198
Light Pickup Truck Occupants130174121144123
Light Utility Truck Occupants9282788886
Van Occupants2218213127
Large Truck Occupants2941272728
Other/Unknown Occupants9119611
Bus Occupants04000
Motorcyclists9257898893
Pedestrians5850708878
Bicyclists and Other Cyclists134656
Other/Unknown Non-occupants32235
State Total678669645687655

– Fatalities by Crash Type

Below we have listed the different types of crashes, involving fatalities. Departure from roadways has the highest number of fatalities.

Crash Type20132014201520162017
Total Fatalities (All Crashes)678669645687655
Single Vehicle351335351376357
Involving a Large Truck112134106126133
Involving Speeding174152171185143
Involving a Rollover232246217223210
Involving a Roadway Departure385402359386370
Involving an Intersection (or Intersection Related)134146116139126

– Five-Year Trend For The Top 10 Counties 

County20132014201520162017
Oklahoma County7573858890
Tulsa County7161726770
Cleveland County2116281425
Canadian County1214121724
Comanche County1515121516
Le Flore County710141816
Grady County1917171614
McClain County9771614
Mayes County121572114
Ottawa County8411714
Top 10 County Total298265303300297
State Total
(Includes All Counties)
678669645687655

– Fatalities Involving Speeding by County

County201520162017County201520162017
Atoka County014Garfield County301
Dewey County011Wagoner County441
Le Flore County658Alfalfa County000
Texas County113Beaver County110
Cherokee County137Beckham County320
Woodward County343Carter County310
Caddo County244Cimarron County010
Adair County213Coal County010
Choctaw County022Cotton County000
Mccurtain County224Ellis County110
Delaware County235Garvin County310
Blaine County001Grady County420
Love County011Grant County110
Mayes County154Greer County040
Johnston County201Harmon County000
Hughes County011Harper County030
Craig County001Haskell County010
Custer County132Jackson County000
Pittsburg County733Jefferson County040
Pawnee County111Kingfisher County110
Creek County034Kiowa County100
Pontotoc County112Latimer County110
Mcclain County232Lincoln County100
Sequoyah County402Major County100
Rogers County264Marshall County210
Bryan County272Mcintosh County240
Canadian County126Murray County010
Seminole County331Noble County110
Washington County022Nowata County110
Ottawa County301Okfuskee County010
Tulsa County222420Okmulgee County340
Muskogee County312Pottawatomie County530
Oklahoma County363021Pushmataha County000
Payne County142Roger Mills County000
Kay County311Stephens County000
Cleveland County836Tillman County000
Logan County101Washita County110
Osage County341Woods County010
Comanche County232

– Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Listed below are fatalities in the top 10 counties caused by drunk driving.

County Name201520162017
Carter County364
Cimarron County735
Comanche County755
Dewey County553
Grant County338
Jackson County773
Johnston County262632
Kay County182525
Logan County1047
Marshall County741

– Teen Drinking & Driving

Number of Under 18 DWI Arrests:Total per One Million People (DWI Under 18 Arrests):Rank:
107111.2718

– EMS Response Time 

In the unfortunate event of the need for emergency medical services, you want to know EMS can get you to a hospital quickly. Below is a chart showing times for both urban and rural areas.

Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Rural9.44 min16.21 min49.34 min66.75 min383
Urban4.18 min7.33 min30.04 min37.81 min244

– Transportation 

Lastly, we are going to look at car ownership and how much time the average Oklahoma driver spends in their cars.

The graphs below were gathered from Data USA. The national average is in gray and the average Oklahoma residents, orange.

– Car Ownership 

Like most Americans, most Oklahoma families have two cars.

– Commute Time

The average worker commutes a little over 20 minutes to get to work, which is a little under the national average of 25 minutes. 

– Commuter Transportation 

Most Oklahoma drivers prefer to drive to work alone.

– Traffic Congestion in Oklahoma 

We took a look at two of the biggest cities in Oklahoma — Tulsa and Oklahoma City.

Tulsa drivers lose 33 hours in congestion and $456 per driver a year. It doesn’t get better for Oklahoma City drivers. They lose 51 hours and $716 per driver a year.

Whew! That was a lot of information. We hope you have learned a lot about Oklahoma car insurance and feel ready to conquer the task of obtaining the best auto insurance. Don’t forget, you can enter your zip code here and use our free comparison tool to start your rate searching.

References:
  1. https://en.m.wikipedia.org/wiki/Oklahoma_City_Oil_Field
  2. https://en.m.wikipedia.org/wiki/Tornadoes_in_the_United_States
  3. https://www.thehartford.com/aarp/car-insurance/oklahoma/state-driving
  4. https://drivinglaws.aaa.com/tag/liability-laws/
  5. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  6. https://www.investopedia.com/terms/l/loss-ratio.asp
  7. http://www.ambest.com/about/
  8. http://www.ambest.com/home/ratings.aspx
  9. https://www.jdpower.com/business
  10. https://www.ok.gov/
  11. https://www.thebalance.com/the-average-credit-score-by-state-4161310
  12. https://www.naic.org/prod_serv/AUT-PB-15.pdf
  13. https://www.naic.org/
  14. http://www.carwindshields.info/states
  15. https://www.duiprocess.com/state/OK/sr22.php
  16. https://www.iii.org/article/background-on-insurance-fraud
  17. https://www.iii.org/article/background-on-insurance-fraud#_ftn1
  18. https://www.iii.org/article/background-on-insurance-fraud#_ftn2
  19. https://www.ok.gov/oid/Anti-Fraud_Unit/index.html
  20. https://law.justia.com/codes/oklahoma/2014/title-12/section-12-95
  21. https://www.dhs.gov/real-id
  22. https://law.justia.com/codes/oklahoma/2014/title-47/section-47-7-606v2/
  23. https://www.ok.gov/dps/
  24. https://drivinglaws.aaa.com/tag/seat-belts/
  25. https://drivinglaws.aaa.com/tag/move-over-law/
  26. https://www.responsibility.org/alcohol-statistics/state-map/state/oklahoma/issue/marijuana-drug-impaired-driving-laws/
  27. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/oklahoma.xls
  28. https://www.geotab.com/the-most-dangerous-highways-in-america/
  29. https://datausa.io/
  30. http://inrix.com/scorecard/