Oklahoma Car Insurance Guide (Cheap Rates + Best Companies)

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Nov 1, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.


Oklahoma
Oklahoma Statistic Summary
Road Miles 112,637
Registered Vehicles 3.4 million
State Population -
Percentage of
Uninsured Motorists
10.50
Driving Deaths Speeding: 143 Drunk Driving: 683
Average Premiums Annually
Liability: $461.01 Collision: $318.47 Comprehensive: $225.84
Cheapest Provider: State 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 auto insurance coverage. Start comparing with our free quote box above.

Table of Contents

Where Should You Find Oklahoma Car Insurance Coverage & Rates?

Car insurance can be a confusing topic. How much do you need? Where can you find the best rates? Which company is most reliable?

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.

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What’s Oklahoma’s Car Culture like?

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.

What’s Oklahoma’s Minimum Coverage for Auto Insurance?

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

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

These limits do not cover your own damages in an accident where you are at fault. You can add other 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 full coverage would cost. An agent can help you decide what you need, and then they can get quotes from different companies for that coverage. You can also get quotes by entering your zip code and answering a few questions in our free comparison quote tool. 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 insurance coverage. You must be able to show proof of 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.

What are the 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. If you drive uninsured and get caught, you would be responsible for any damages you cause. You could also be fined and otherwise penalized even if you don’t get in an accident.

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How Much Do Oklahoma Residents Spend on Auto Insurance?

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%

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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.

What are the 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

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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.

Are There Additional Auto Insurance Coverages?

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.

Underinsured/Uninsured motorist 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.

The 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.

  • A High Loss Ratio (over 75 percent) indicates that the companies underestimated the frequency and severity of losses and how much premium would be needed to cover them. A high loss ratio is a good indicator of future rate increases.
  • A Low Loss Ratio (under 35 percent) could indicate that companies overestimated the frequency and severity of claims or overpriced their policies.

Loss Ratio 201320142015
Medical Payments (MedPay)63%66%66%
Uninsured/Underinsured Motorist Coverage (UUM)65%63%63%

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Are There any Add-Ons, Endorsements, & Riders?

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

What are the 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

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

How Can You Find the Cheapest Car Insurance Rates by ZIP Code?

Where you live can also play a part in how much you pay. Below are charts showing the most expensive and cheapest ZIP codes in Oklahoma.

Most Expensive ZIP Codes in Oklahoma CityAverage by ZIP CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
74110TULSA$5,150.50Liberty Mutual$8,036.87Progressive$6,463.20USAA$3,803.59State Farm$3,821.57
74115TULSA$5,130.85Liberty Mutual$8,170.58Progressive$6,486.61State Farm$3,613.95USAA$3,798.77
74106TULSA$5,113.35Liberty Mutual$8,036.87Progressive$6,415.81State Farm$3,612.06USAA$3,803.59
74103TULSA$5,031.82Liberty Mutual$7,967.96Progressive$7,174.36State Farm$3,491.00USAA$3,601.75
74146TULSA$4,996.54Liberty Mutual$8,064.64Progressive$6,253.73State Farm$3,482.71USAA$3,720.71
74120TULSA$4,955.86Liberty Mutual$8,133.55Progressive$6,436.54State Farm$3,416.00USAA$3,467.63
74128TULSA$4,946.22Liberty Mutual$8,033.79Progressive$6,046.90State Farm$3,286.17USAA$3,720.71
74119TULSA$4,938.25Liberty Mutual$8,138.50Progressive$6,332.46State Farm$3,333.26USAA$3,601.75
74129TULSA$4,932.56Liberty Mutual$8,064.64Progressive$5,904.00State Farm$3,425.78USAA$3,720.71
74126TULSA$4,924.71Liberty Mutual$8,036.87Progressive$5,752.62State Farm$3,524.07USAA$3,803.59
74134TULSA$4,923.31Liberty Mutual$8,064.64Progressive$5,740.74State Farm$3,493.32USAA$3,718.14
74116TULSA$4,912.91Liberty Mutual$7,777.09Progressive$6,252.36State Farm$3,399.50USAA$3,718.14
74104TULSA$4,906.22Liberty Mutual$8,124.78Progressive$6,026.21USAA$3,467.63State Farm$3,475.89
74112TULSA$4,905.35Liberty Mutual$8,033.79Progressive$5,767.37State Farm$3,443.96USAA$3,798.77
73119OKLAHOMA CITY$4,901.45Liberty Mutual$8,234.24Progressive$6,328.07State Farm$3,524.17USAA$3,548.39
74172TULSA$4,895.93Liberty Mutual$7,967.96Progressive$7,267.59State Farm$2,739.02USAA$3,495.20
73106OKLAHOMA CITY$4,893.95Liberty Mutual$8,278.13Progressive$6,024.45State Farm$3,243.59USAA$3,548.39
74130TULSA$4,887.69Liberty Mutual$7,561.76Progressive$5,897.39State Farm$3,492.86USAA$3,803.59
74135TULSA$4,883.58Liberty Mutual$8,129.71Progressive$6,101.54State Farm$3,348.99USAA$3,425.64
73102OKLAHOMA CITY$4,879.88Liberty Mutual$8,056.71Progressive$6,611.05USAA$3,376.34State Farm$3,427.03
73108OKLAHOMA CITY$4,873.82Liberty Mutual$8,278.13Progressive$6,090.43State Farm$3,320.26USAA$3,548.39
73103OKLAHOMA CITY$4,872.88Liberty Mutual$7,986.52Progressive$6,412.37State Farm$3,332.42USAA$3,376.34
74127TULSA$4,870.80Liberty Mutual$7,900.10Progressive$5,994.04State Farm$3,249.42USAA$3,601.75
74105TULSA$4,869.18Liberty Mutual$8,129.71Progressive$5,745.38State Farm$3,378.65USAA$3,409.32
73109OKLAHOMA CITY$4,867.95Liberty Mutual$8,234.24Progressive$6,211.04State Farm$3,379.66USAA$3,544.14

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Tulsa and Oklahoma City have the most expensive ZIP codes in the state.

Cheapest ZIP Codes in Oklahoma CityAverage by ZIP CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
73555MANITOU$3,646.98Liberty Mutual$6,048.86Progressive$4,036.19State Farm$2,591.02Geico$2,743.46
73542FREDERICK$3,650.18Liberty Mutual$6,134.72Progressive$4,036.19State Farm$2,369.85Geico$2,743.46
73521ALTUS$3,682.05Liberty Mutual$6,059.14Progressive$4,247.18State Farm$2,536.43Geico$2,743.46
73539ELMER$3,692.21Liberty Mutual$6,048.86Progressive$4,038.41State Farm$2,591.02Geico$2,743.46
73570TIPTON$3,692.55Liberty Mutual$6,119.06Progressive$4,162.66State Farm$2,484.29Geico$2,743.46
73537ELDORADO$3,694.92Liberty Mutual$6,119.06Progressive$4,089.93State Farm$2,591.02Geico$2,743.46
73939GOODWELL$3,704.39Liberty Mutual$5,974.78Farmers$3,871.33State Farm$2,566.00USAA$3,063.11
73946KENTON$3,715.81Liberty Mutual$5,930.51Farmers$3,973.18State Farm$2,591.02USAA$3,063.11
73549HEADRICK$3,722.42Liberty Mutual$6,119.06Progressive$4,071.71State Farm$2,591.02Geico$2,743.46
73523ALTUS AFB$3,724.33Liberty Mutual$6,059.14Progressive$4,398.59State Farm$2,591.02Geico$2,743.46
73945HOOKER$3,725.51Liberty Mutual$6,107.55Progressive$3,978.70State Farm$2,413.73USAA$3,063.11
73937FELT$3,725.60Liberty Mutual$5,930.51Farmers$3,987.50State Farm$2,591.02USAA$3,063.11
73951TYRONE$3,725.68Liberty Mutual$5,930.51Progressive$4,076.36State Farm$2,427.10USAA$3,063.11
73944HARDESTY$3,726.17Liberty Mutual$5,930.51Progressive$3,963.30State Farm$2,591.02USAA$3,063.11
73552INDIAHOMA$3,727.43Liberty Mutual$6,170.47Progressive$3,974.04State Farm$2,650.11Geico$2,929.45
73703ENID$3,729.94Liberty Mutual$6,062.18Progressive$4,317.07State Farm$2,605.49USAA$2,775.83
73938FORGAN$3,732.65Liberty Mutual$5,930.51Farmers$3,924.56State Farm$2,644.59USAA$3,063.11
73950TURPIN$3,734.52Liberty Mutual$5,930.51Farmers$4,077.42State Farm$2,530.49USAA$3,063.11
73942GUYMON$3,735.69Liberty Mutual$6,107.55Progressive$3,975.41State Farm$2,539.69USAA$3,063.11
73949TEXHOMA$3,737.64Liberty Mutual$5,930.51Progressive$4,086.86State Farm$2,602.61USAA$3,063.11
73931BALKO$3,743.28Liberty Mutual$5,930.51Progressive$3,991.29State Farm$2,652.36USAA$3,063.11
73526BLAIR$3,745.24Liberty Mutual$6,048.86Progressive$4,149.82State Farm$2,594.10Geico$2,743.46
73932BEAVER$3,746.46Liberty Mutual$5,973.04Farmers$3,992.83State Farm$2,625.34USAA$3,063.11
73538ELGIN$3,753.25Liberty Mutual$6,417.53Progressive$3,935.21State Farm$2,680.52Geico$2,929.45
73933BOISE CITY$3,754.57Liberty Mutual$5,930.51Progressive$3,920.57State Farm$2,828.97USAA$3,063.11

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Which Cities in Oklahoma Have The Cheapest Average Cost?

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

Most Expensive Cities in Oklahoma Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Tulsa$4,903.84Liberty Mutual$7,969.89Progressive$6,156.47State Farm$3,378.92USAA$3,592.35
Nichols Hills$4,794.06Liberty Mutual$7,672.10Progressive$5,997.68State Farm$3,290.75USAA$3,414.20
Oakhurst$4,745.40Liberty Mutual$7,718.08Progressive$5,756.48State Farm$3,222.50USAA$3,601.75
Forest Park$4,715.69Liberty Mutual$7,387.73Progressive$5,906.39State Farm$3,118.89USAA$3,557.24
Oklahoma City$4,713.34Liberty Mutual$7,827.17Progressive$5,859.47State Farm$3,212.84USAA$3,454.53
Del City$4,680.38Liberty Mutual$7,707.40Progressive$5,958.85State Farm$3,177.55USAA$3,387.22
Midwest City$4,663.70Liberty Mutual$7,591.38Progressive$5,929.75State Farm$3,159.62USAA$3,425.67
Glenpool$4,659.69Liberty Mutual$7,369.86Progressive$6,301.87State Farm$3,125.00Geico$3,255.36
Bixby$4,644.01Liberty Mutual$7,495.04Progressive$5,758.16State Farm$3,292.25USAA$3,374.02
Catoosa$4,634.41Liberty Mutual$7,524.38Progressive$5,939.26State Farm$3,091.73USAA$3,491.27
Broken Arrow$4,615.49Liberty Mutual$7,610.60Progressive$5,711.59State Farm$3,195.70USAA$3,492.20
Bethany$4,603.06Liberty Mutual$7,482.10Progressive$5,617.79State Farm$3,180.39USAA$3,480.61
Wheatland$4,559.24Liberty Mutual$7,721.70Progressive$5,641.86State Farm$2,955.50USAA$3,480.61
Sperry$4,535.05Liberty Mutual$7,492.84Progressive$5,560.96Geico$3,255.36State Farm$3,456.65
Jenks$4,533.23Liberty Mutual$7,532.72Progressive$5,444.49State Farm$3,118.62Geico$3,255.36
Moore$4,532.19Liberty Mutual$7,741.34Progressive$5,535.16State Farm$3,114.17USAA$3,364.53
Kiefer$4,520.92Liberty Mutual$7,067.04Progressive$6,401.55State Farm$2,955.11Geico$3,255.36
Jones$4,511.62Liberty Mutual$7,461.14Progressive$5,372.22State Farm$3,184.63USAA$3,404.21
Newalla$4,500.55Liberty Mutual$7,532.89Progressive$5,423.01State Farm$2,991.37USAA$3,392.86
Choctaw$4,493.07Liberty Mutual$7,532.89Progressive$5,582.56State Farm$2,726.56USAA$3,236.09
Macomb$4,485.54Liberty Mutual$6,808.25Progressive$6,124.88State Farm$2,904.89USAA$3,326.43
Sapulpa$4,461.79Liberty Mutual$7,103.45Progressive$6,186.67State Farm$2,692.50Geico$3,255.36
Arcadia$4,434.77Liberty Mutual$7,288.95Progressive$5,351.58State Farm$2,888.22USAA$3,284.58
Luther$4,421.24Liberty Mutual$7,234.87Progressive$5,061.66State Farm$2,977.73USAA$3,404.21
Harrah$4,395.57Liberty Mutual$7,585.54Progressive$4,971.03State Farm$2,938.60USAA$3,377.30

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Tulsa is one of the largest cities in Oklahoma, and it also has the most expensive car insurance rates.

Cheapest Cities in Oklahoma Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Manitou$3,646.98Liberty Mutual$6,048.86Progressive$4,036.19State Farm$2,591.02Geico$2,743.46
Frederick$3,650.18Liberty Mutual$6,134.72Progressive$4,036.19State Farm$2,369.85Geico$2,743.46
Altus$3,682.05Liberty Mutual$6,059.14Progressive$4,247.18State Farm$2,536.43Geico$2,743.46
Elmer$3,692.21Liberty Mutual$6,048.86Progressive$4,038.41State Farm$2,591.02Geico$2,743.46
Tipton$3,692.55Liberty Mutual$6,119.06Progressive$4,162.66State Farm$2,484.29Geico$2,743.46
Eldorado$3,694.92Liberty Mutual$6,119.06Progressive$4,089.93State Farm$2,591.02Geico$2,743.46
Goodwell$3,704.39Liberty Mutual$5,974.78Farmers$3,871.33State Farm$2,566.00USAA$3,063.11
Kenton$3,715.81Liberty Mutual$5,930.51Farmers$3,973.18State Farm$2,591.02USAA$3,063.11
Headrick$3,722.42Liberty Mutual$6,119.06Progressive$4,071.71State Farm$2,591.02Geico$2,743.46
Altus Afb$3,724.33Liberty Mutual$6,059.14Progressive$4,398.59State Farm$2,591.02Geico$2,743.46
Hooker$3,725.51Liberty Mutual$6,107.55Progressive$3,978.70State Farm$2,413.73USAA$3,063.11
Felt$3,725.60Liberty Mutual$5,930.51Farmers$3,987.50State Farm$2,591.02USAA$3,063.11
Tyrone$3,725.68Liberty Mutual$5,930.51Progressive$4,076.36State Farm$2,427.10USAA$3,063.11
Hardesty$3,726.17Liberty Mutual$5,930.51Progressive$3,963.30State Farm$2,591.02USAA$3,063.11
Indiahoma$3,727.43Liberty Mutual$6,170.47Progressive$3,974.04State Farm$2,650.11Geico$2,929.45
Forgan$3,732.65Liberty Mutual$5,930.51Farmers$3,924.56State Farm$2,644.59USAA$3,063.11
Turpin$3,734.52Liberty Mutual$5,930.51Farmers$4,077.42State Farm$2,530.49USAA$3,063.11
Guymon$3,735.69Liberty Mutual$6,107.55Progressive$3,975.41State Farm$2,539.69USAA$3,063.11
Texhoma$3,737.64Liberty Mutual$5,930.51Progressive$4,086.86State Farm$2,602.61USAA$3,063.11
Balko$3,743.28Liberty Mutual$5,930.51Progressive$3,991.29State Farm$2,652.36USAA$3,063.11
Blair$3,745.24Liberty Mutual$6,048.86Progressive$4,149.82State Farm$2,594.10Geico$2,743.46
Beaver$3,746.46Liberty Mutual$5,973.04Farmers$3,992.83State Farm$2,625.34USAA$3,063.11
Elgin$3,753.25Liberty Mutual$6,417.53Progressive$3,935.21State Farm$2,680.52Geico$2,929.45
Boise City$3,754.57Liberty Mutual$5,930.51Progressive$3,920.57State Farm$2,828.97USAA$3,063.11
Snyder$3,765.73Liberty Mutual$6,134.72Progressive$4,100.83State Farm$2,511.91USAA$3,019.27

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Who Are The 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.

If you’re just looking for cheap car insurance, the lowest rates aren’t always from the same company. Insurers use complex algorithms to determine rates, and some of it depends on the individual underwriter. While Allstate may provide the lowest prices for some customers, Geico will offer lower prices to others. The best way to find affordable pricing is by getting insurance quotes from multiple auto insurance companies.

What’s the Financial Rating of the Largest Companies?

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 Group NR$303,20711.38%51.38%
Progressive Group A+$238,9518.96%55.51%
Allstate Insurance Group A+$186,4487.00%48.05%
GeicoA++$184,1966.91%66.79%
Liberty Mutual Group A$174,6546.55%57.68%
USAA Group NR$172,9146.49%69.06%
Oklahoma Farm Bureau Group B+$105,7123.97%55.16%
CSAA Insurance Group A$103,3783.88%50.54%
Shelter Insurance Group A$92,1673.46%61.81%

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Which Companies Have the  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.

Which Companies Have the 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 Group 0.441,482
Farmers Insurance Group 00
Progressive Group 0.75120
Allstate Insurance Group 0.5163
Geico.0076
Liberty Mutual Group .0076
USSA Group 02
Oklahoma Farm Bureau Group 0.212
CSAA Insurance Group 3.976
Shelter Insurance Group 0.6147

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Who are the 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%

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

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What are the 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 Mutual 25 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

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What’s the 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

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

What are the 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

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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.

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What are the 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

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

Who are the 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%

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What’s the 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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What are the 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.

What are the 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.

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How to Get 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.

How to Get 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.

How to Get 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.

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Is There an 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.

Is There a Statute of Limitations?

The statute of limitations is the time you have to file and resolve 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.

What are the 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.

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What’s the Real ID for?

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.

What are the 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.

What are the 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)

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What’s the Procedure for 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.

What are the 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.

What are the 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.

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Is Oklahoma a Fault or No-Fault State?

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.

What are the 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 System Younger than four years old
Child Restraint or Booster SeatFour to seven years old (can't be taller than 4'9")
Adult Belt Permissible Over eight years old (or taller than 4'9")

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

What are the 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.

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What’s the Speed Limit?

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

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

Is Ridesharing Allowed?

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

What are the 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.

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What are the DUI Laws?

Type of OffenseDrinking Limits
BAC Limit0.08
High BAC Limit 0.15
Criminal Status1st misdemeanor, 2nd+ in 10 years felony
Look Back Period 10 years

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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
Other IID (ignition interlock) required for 18 months if BAC is 0.15+

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DUI - 2nd OffenseConsequences
License Revoked6 months minimum
Jail Time1-5 years
Fineno minimum but up to $2,500
Other IID (ignition interlock) required for 5 years

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DUI - 3rd OffenseConsequences
License Revoked1-3 years
Jail Time1-10 years
Fineno minimum but up to $5,000
Other IID (ignition interlock) required for 5 years

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What are the 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 ban All drivers
Enforcement Primary

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What’s the Driving in Oklahoma like?

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.

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Is There a 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

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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

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What is the Number of 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.

What’s the 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.

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What’s the Number of Fatal Crashes by Weather Condition & Light Condition?

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

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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.

What’s the Number of 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.

Oklahoma Crashes By County
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

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What’s the Number of Traffic Fatalities?

More roadway deaths happen in rural areas than urban.

Road Type2008200920102011201220132014201520162017
Rural523498465497468499468391426417
Urban226239203199241229201254260238
Total750737668696709678669645687655

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What’s the Number of 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 Occupants 130174121144123
Light Utility Truck Occupants9282788886
Van Occupants2218213127
Large Truck Occupants2941272728
Other/Unknown Occupants9119611
Bus Occupants04000
Motorcyclists9257898893
Pedestrians5850708878
Bicyclists and Other Cyclists 134656
Other/Unknown Non-occupants32235
State Total678669645687655

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What’s the Number of 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

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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

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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

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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

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Teen Drinking & Driving

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

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What’s the 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

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What is Transportation like in California?

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.

What’s the Average Car Ownership?

Like most Americans, most Oklahoma families have two cars.

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What’s the Average 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.

Is There a 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.

Resources

https://en.m.wikipedia.org/wiki/Oklahoma_City_Oil_Field https://en.m.wikipedia.org/wiki/Tornadoes_in_the_United_States https://www.thehartford.com/aarp/car-insurance/oklahoma/state-driving https://drivinglaws.aaa.com/tag/liability-laws/ https://www.investopedia.com/terms/l/loss-ratio.asp https://web.ambest.com/about/ https://web.ambest.com/ratings-services https://www.jdpower.com/business https://oklahoma.gov/ https://www.thebalance.com/the-average-credit-score-by-state-4161310 https://www.naic.org/prod_serv/AUT-PB-15.pdf https://content.naic.org/ http://www.carwindshields.info/states https://www.duiprocess.com/state/OK/sr22.php https://www.iii.org/article/background-on-insurance-fraud https://www.iii.org/article/background-on-insurance-fraud#_ftn1 https://www.iii.org/article/background-on-insurance-fraud#_ftn2 https://www.oid.ok.gov/consumers/anti-fraud-unit/ https://law.justia.com/codes/oklahoma/2014/title-12/section-12-95 https://www.dhs.gov/real-id https://law.justia.com/codes/oklahoma/2014/title-47/section-47-7-606v2/ https://oklahoma.gov/dps.html https://drivinglaws.aaa.com/tag/seat-belts/ https://drivinglaws.aaa.com/tag/move-over-law/ https://www.responsibility.org/alcohol-statistics/state-map/state/oklahoma/issue/marijuana-drug-impaired-driving-laws/ 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 https://www.geotab.com/the-most-dangerous-highways-in-america/ https://datausa.io/ https://inrix.com/scorecard/

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