(800) 956-3728 
Whether you’re a driver in Tulsa with a busy commute or you live in Pawhuska and only drive a few times a week, you may have noticed your car insurance rates increasing over the past few years. You’re not alone. Rates throughout the U.S. have continued to rise over the past few years. Fortunately, there are still ways to find Oklahoma auto insurance that won’t break your budget. Here’s your guide to finding coverage that provides protection while on the road without outrageous premiums.
What Oklahoma Drivers Should Know About Auto Insurance
The state of Oklahoma requires drivers to carry minimum liability coverage, so every policy has to meet that standard before price even comes into the picture. Beyond that, your premium will also depend on how much protection you choose, how you drive, and how much risk your insurer thinks you represent.
Why Car Insurance Costs Vary in Oklahoma
Car insurance prices in Oklahoma can vary a lot from one driver to another because insurers look at a wide range of risk factors, from where you live to your driving record. “Things like the make and model of your car, the age of your vehicle, and where you drive factor in,” says Justin Yoshizawa, Director, Product Management. “Someone who lives in Oklahoma City or Tulsa will have higher car insurance rates than someone in Broken Bow, simply because higher-density areas mean increased risk of accidents and theft.”
Tips for Finding Cheap Car Insurance in Oklahoma
There are ways to find Oklahoma auto insurance that works with your budget, however. Here are a few strategies when you’re looking for ways to lower your premiums:
Compare car insurance quotes in Oklahoma
One of the best ways to reduce your car insurance rate is to shop around. One company, for instance, may have lower premiums and better coverage, while another company may offer more flexibility and better discounts.
Take advantage of available discounts
Many insurers offer discounts for things like bundling policies, maintaining a good driving record, completing defensive driving courses, installing safety features, or insuring multiple vehicles. These discounts can help lower your overall premium.
Adjust coverage and deductibles
Raising your deductible can lower your monthly premium, “but only do this if you can afford higher costs after a claim,” says Justin Yoshizawa, Director, Product Management. “You can also review things like whether you still need comprehensive or collision coverage on an older car.”
How Oklahoma Drivers Can Reduce Their Insurance Costs Over Time
Cheap car insurance in Oklahoma today may not necessarily be the cheapest policy next year, so be sure to review your coverage regularly. Safe driving, low claim frequency, and occasional quote shopping can also help keep costs under control as your situation changes.
Finding the Best Car Insurance in Oklahoma for Your Budget
The best Oklahoma car insurance policy is the one that balances price, protection, and peace of mind. Whether you’re driving in Tulsa, Norman, Altus, or Collinsville, Mercury offers cheap car insurance in Oklahoma that doesn’t compromise your safety or your budget. Reach out today for a fast, free quote.
FAQs
What is the minimum auto insurance required in Oklahoma?
Required Oklahoma auto insurance is as follows:
- Minimum bodily injury liability: $25,000 per person and $50,000 per accident
- Minimum property damage liability: $25,000 per accident
Is it possible to get cheap car insurance in Oklahoma with full coverage?
Yes, cheap car insurance in Oklahoma is still possible with full coverage, but full coverage does usually cost more than because it includes better, broader protection than state minimums. You can still lower the price by comparing quotes, choosing a higher deductible, and looking for available discounts.
Does your driving history affect car insurance rates in Oklahoma?
Yes, your driving history can have a major impact on what you pay. Tickets, accidents, and claims can all raise your rate, while a clean record usually helps keep premiums lower.
Justin Yoshizawa is Director of Product Management for Mercury Insurance, overseeing California’s personal lines, including auto, homeowners, landlord, and umbrella. He has led major initiatives such as the rollout of the aligned umbrella product across all Mercury territories and serves as a company spokesperson on auto-related topics. Yoshizawa holds dual Bachelor of Science degrees in Applied Mathematics and Applied Statistics from UC Santa Barbara.
The Mercury Marketing Team is made up of professionals in the fields of Content Creation, Public Relations, Social Media and Journalism. The team works together to deliver professionally written and researched content to provide information for consumers.