Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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UPDATED: Oct 24, 2021

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Oklahoma brings to mind vast, rolling plains, an impossibly huge blue sky, and for the Broadway buffs, the famous musical with the same name.

Oklahoma also averages 62 tornados a year, the fourth-highest twister count in the country. With such a destructive and powerful weather phenomenon a norm from March to August, it’s important to stay prepared in every way you can in case a tornado strikes close to home.

When it comes to tornado protection or just driving the sprawling roadways of Oklahoma, it’s crucial to know your insurance policy has you covered. But finding the right policy can be confusing and difficult on your own. Luckily, you’re not alone. We here are here to help.

Below, you’ll find all the info you need to know broken down into clear, understandable terms. From the best providers (rated by customer service, price, and more) to Oklahoma’s driving laws, you’ll leave here a master of the roads.

If you want to get straight to the quote comparison, give a click right here!

Table of Contents

Oklahoma Car Insurance Coverage and Rates

So how do you choose the best car insurance policy? With so many factors at play from coverage, to cost, and more, it can feel impossible to narrow things down.

That’s why we’ve broken down all the key factors to help you make an informed decision (and save money). If you live in Oklahoma and are looking for car insurance, here’s where we begin.

You probably want a policy that will keep you safe from other drivers, possible weather damage and unforeseen accidents. Stick with us and we’ll make sure you find the policy that’s right for you.

Oklahoma’s Car Culture

Oklahoma features a varied landscape of long, flat roadways, mountainous backroads, farmland, and gorgeous red rock. With so much natural splendor, its no surprise the most popular vehicle is a Ford F-150 and Dodge Ram.

The “truck culture” in Oklahoma is enforced by the landscape, which has some of the best off-roading in the nation, including the aptly named “Disney” Oklahoma, where every year a truck crawler festival is held to let truck drivers show off their off-roading skills.

And that’s just one of the many off-road trails and country backroads. If you’re driving through the state don’t be surprised to see ATVs, dune buggies, or other custom off-road vehicles (often being towed across the highways by their owner’s pickups).

Oklahoma Minimum Coverage

In Oklahoma, drivers are required to have the minimum amount of liability coverage, but remember this is a minimum amount.

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These limits are set to protect you and other drivers on the road. The minimum will be paid out by your insurance company if you are found to be at fault in an accident.

However, if you are in a serious crash, or hit a luxury vehicle, these limits often are not enough to cover the full loss.

You will have to pay the remaining balance out of pocket.

These limits also do not cover you or your vehicle in an accident where you are at fault. To add this additional coverage, you will need to pick certain add-ons. We’ll cover this in-depth later on. It’s always a good idea to discuss your needs and how much additional coverage would cost with your insurance agent.

We will look into rates, and the price difference between coverage levels might be surprising (it’s often much less than you think).

There are also penalties for driving without the minimum requirements. Drivers must be able to show proof of insurance, which you can do with your company-issued ID card or a copy of your policy, as well as electronic proof via your smartphone or other devices.

Forms of Financial Responsibility

If you are a driver in Oklahoma, you’re required to have an active insurance policy covering any registered vehicles.

This is intended to prevent people from driving without insurance.

When someone without insurance gets into an accident, they are often unable to pay for the damages caused. We’ll go into more detail about how you can protect yourself from this unfortunate turn of events later on.

Premiums as a Percentage of Income

You know you need insurance, so the next big question on most people’s minds is, How much will I pay for it? Here’s a chart of what percentage of their income Oklahomans pay toward car insurance:

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While it can be a bummer to see this chunk of your income going out the door, car insurance is well worth it. And good news for Oklahomans, the average income and average rates for three years show only about 2.4 percent of your income put toward insurance premiums.

You can use our handy calculator to see how your income/premium ratio breaks down.

Core Coverage

According to the National Association of Insurance Commissioners, in comparison to the rest of the country, Oklahoma’s core coverage for an auto insurance policy is about the same as the national average.

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As we mentioned above, liability insurance covers the other person or damages if you are at fault. Comprehensive and collision, however, serve a different purpose.

They cover your vehicle regardless of if you are at fault or not.

Plus, they are used to cover you for any other factors you can’t control, such as the weather or theft. Full coverage, or combined, means you have all of these three coverages.

Additional Liability

Drivers can also add other liability coverages to their policy.

Medical payment coverage can be added to cover medical expenses for anyone in your vehicle at the time of the accident. Regardless of who is at fault, this coverage will be paid out.

Uninsured and underinsured motorists coverage, on the other hand, covers you in case of an accident involving someone at fault who has no or little insurance. If they can’t pay for the damages, your policy will make up the difference.

But how do you know your company is going to pay out when an accident happens? By looking at a company’s loss ratios, you can determine how they pay out and how they are doing financially.

Loss ratio is a figure indicating the difference between earned premiums and paid claims. For instance, if a company writes $100,000 of premiums and pays out $50,000 in claims, its loss ratio is 50 percent. Here’s a video if you’re still confused:

If a company’s loss ratio is 100 or higher, the company isn’t making much money and could be on its way to losing financial viability. If the ratio is low, 50 or below, that means they may not be paying out many claims, so that’s worth avoiding, as well. Here’s how Oklahoma stacks up:

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Uninsured motorists in Oklahoma make up 25.9 percent of motorists in the state. Nationwide, around 12.6 percent of the total uninsured motorists are within Oklahoma.

Though uninsured motorist coverage is not required by state law, it can be purchased as a policy add-on, though this may increase premiums.

Add-Ons, Endorsements, and Riders

Oklahoma drivers can choose to add a variety of coverage options to enhance your insurance policy. While these aren’t mandatory, they do come in handy, especially if you end up needing a rental car or drive a classic. Here’s a list of several of the most popular choices:

Next up, we’ll discuss the factors that decide your premiums. One of the biggest variables is where you lie within certain demographics (including age, gender, location, etc.).

Male vs. Female Rates

In Oklahoma, younger male drivers have the highest premiums and older female drivers the lowest.

For instance, a 25-year-old male’s insurance costs the most, followed by a 25-year-old female’s. A 60-year-old male’s costs the second-lowest, with finally 60-year-old females paying the least. Here’s a chart breaking it down:

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These rate differences are due to the statistical likelihood that younger male drivers are the most irresponsible, and thus more likely to cause an at-fault claim. Even on the older end of things, women are still considered less risky drivers.

For some companies, like State Farm, however, things even out once drivers get to middle age. For married 35- and 60-year-old drivers, rates are the same across genders. Marriage helps lowers rates, too, so spouses, thank each other for the savings.

Though it may be surprising that car insurance rates differ so greatly between genders, it’s common across the nation.

Cheapest Rates by Zip Code

The area you live in also affects how expensive your car insurance is. The tables below compare rates by zip code; feel free to look for yours and see how you stack up:

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Now for the cheapest zip codes.

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Manitou (73555) has the lowest premiums and Tulsa (74110) has the highest.

Cheapest Rates by City

Here’s tables comparing rates based on city. Find your city to get average rates.

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By looking at both the above table, you can see that Tulsa and Oklahoma City have some of the most expensive car insurance rates.

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Manitou is the cheapest city for car insurance in Oklahoma.

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Best Oklahoma Car Insurance Companies

With so many companies to choose from, finding which one is right for you can seem impossible. It can be time consuming and frustrating to research every company while comparing rates and policies.

Have no fear though, we are here to help. In this next section, we’ll go over all the best car insurance companies in Oklahoma.

We will compare customer service ratings, who has the most complaints, and who offers the cheapest premiums. 

No matter what factors are most important in how you choose your policy, we’ll cover it.

Plus, we’ll show you some important data provided by Quadrant. This will help you understand the average rate per company when it comes to coverage levels, length of commute, credit score, and your driving record.

The Largest Companies’ Financial Rating

A.M. Best is a renowned credit rating agency, trusted as a source of information on insurance companies worldwide. Each year, they analyze and research thousands of companies and offer a unique perspective on which company to choose from when looking for an insurance policy.

Take a look at the list of companies and the ratings they received from A.M. Best in this table:

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Knowing a company’s credit rating helps consumers assess their financial strength, creditworthiness, and ability to honor financial obligations to policyholders.

Companies with Best Ratings

Trusted source J.D. Power compiles studies on auto insurance customer satisfaction. Oklahoma, which sits in the Central Regions, is most satisfied with Shelter and Auto-Owners Insurance.

Take a look at the table below to compare car insurance companies with the best ratings, with data from a 2018 study:

JD Power central region

Despite increasing premiums, overall customers continue to be happy with their providers, especially because of digital and live interactions with carriers making for better customer experience and shorter response times.

Companies with Most Complaints in Oklahoma

While it’s important to look at how satisfied customers are, the other side of that coin is how many complaints a company gets annually.

Complaints help you get an idea of how well the company communicates with customers and leaves them feeling cared for.

The below table displays complaint data from 2017 collected by Oklahoma Insurance Commissioner.

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As you can see, Farmers and USAA have the lowest complaint ratios. CSAA, on the other hand, has the highest. Though some companies have a much higher number of complaints, due to their overall sizes, their ratio can still be low.

Cheapest Companies in Oklahoma

This next table below compares car insurance companies in Oklahoma’s and their rates as a percentage to the national average.

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Commute Rates by Companies

Another factor that affects premium rates is the length of your commute. Generally, if your commute is above average and you use your car often, some companies will increase your rates.

Take a look at this table to see comparisons between Oklahoman’s average annual rates and annual mileage/commute length.

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Luckily, a good portion of car insurance providers in Oklahoma don’t charge more due to a longer commute. If you are an Oklahoman who drives a large distance, consider Liberty, Progressive, Farmers, or Allstate. All of these companies maintain rates.

Coverage Level Rates by Companies

Though many people think more coverage means higher premiums, this isn’t always the case. Indeed, with some companies, the highest levels of coverage may be cheaper than low levels.

That’s why it’s so important to shop around to find the best rates.

High levels of coverage can come in handy in the event of a serious accident or damage that is outside of your control like weather, trees or theft. Here’s a table comparing rates of Oklahoma insurers by coverage level.

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As you can see from this table, State Farm offers the cheapest rates. Its highest level of coverage is cheaper than every other company on the list’s low coverage option. Talk about savings!

Credit History Rates by Companies

No matter where you live in the U.S., your credit score will affect your auto insurance rates. Just like most other places where this matters (loans, car payments, mortgage, etc.), the higher your score the better.

When it comes to care insurance, a higher credit score means lower rates.

Here’s a table showing the average premium differences depending on how high or low your score is.

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Experian reports the average credit score for drivers in Oklahoma is 656. This means that OK is one of the top 10 states in the country with the lowest average credit scores.

Driving Record Rates by Companies

Your driving record also impacts insurance rates. The better and safer a driver you are (few to no car accidents), the lower your rates will be. If, however, you get into a lot of fender benders or are caught speeding multiple times, rates can skyrocket.

Here’s a table comparing different companies’ rates after receiving various driving violations.

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The best way to keep your rates low is to make sure you are following Oklahoma’s driving laws. If you do end up having a less-than-ideal driving record, State Farm offers the cheapest coverage.

Largest Car Insurance Companies in Oklahoma

Below, we’ll take a look at the largest car insurance companies in Oklahoma, based on direct premiums, A.M. Best’s rating, market share, and loss ratio.

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In Oklahoma, State Farm writes the most direct premiums annually.

Number of Insurers in Oklahoma

How many insurers do Oklahoma drivers have to choose from? In total, there are 904.

In the insurance world, these companies are designated as either foreign or domestic.

“Foreign,” in this case, means the insurer’s home office is in another state. “Domestic” companies, on the other hand, are based in OK. Here’s a chart breaking it down:

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Next, we’ll cover all things law related.

Oklahoma Laws

As we talked about above, your best bet to keep rates low is to ensure you comply with Oklahoma’s driving laws. Each state is different; DUI policies, speed limits, and seat belt usage enforcement all can vary. It’s important to be informed about your state’s policies.

Following Oklahoma’s driving laws helps keep you and other drivers on the road safe. Plus, by avoiding accidents and violations, you end up saving a lot of money in the long run.

In this next section, we’ll cover everything from insurance laws to the rules of the road.

Car Insurance Laws

Car insurance laws can be difficult to research, let alone understand. It can be easy to just avoid the topic altogether. To help you out, we are going to break down the laws so you can easily understand them.

How Oklahoma Laws for Insurance are Determined

State laws define insurance regulations, and each state has a lot of say in how it’s drivers are covered. The National Association of Insurance Commissioners lists the full laws and regulations in each state. You can visit the list here to take a look.

Or stick with us and we will put everything in clear terms.

Windshield Coverage

Many of us have been there: you hear the tell-tale crack of a rock hitting glass and look over to see a growing spiderweb across your windshield. Replacement can be stressful and often pricey, so the question is, do you have coverage for this?

Almost every company offers windshield coverage as an add-on. Usually, it is included as part of comprehensive coverage.

If you need to replace or repair your windshield, Oklahoma has no specific laws governing how you get it replaced or what companies must cover it.

Insurers can ask you to use only approved repair shops, and aftermarket parts are fair game if stated in the estimate. Of course, you have the right to go to any repair shop of your choosing, but you may have to pay any price difference out of pocket.

High-Risk Insurance

“High-risk” drivers are people designated by insurers as having a higher likelihood of accidents or traffic violations. If you are convicted of driving under the influence or have numerous speeding violations on your license, you may end up marked as high-risk.

Oklahoma does not require SR-22 (a simple form proving you have auto insurance) filing. But, if you are convicted of a DUI in another state and have to file SR-22, you will need to continue to carry the form if you move to Oklahoma as a new resident.

Though drivers in OK won’t have to pay for an SR-22 filing, high-risk insurance can still be extremely expensive or you could have your license suspended — but more about that later.

Low-Cost Insurance

In certain states, low-income families can join a lower-cost car insurance program. Currently, Oklahoma does not provide low-income families with a government-sponsored car insurance program.

If you are looking to get the cheapest rates possible, shop around. There are plenty of programs available to fit any kind of lifestyle and budget.

Automobile Insurance Fraud in Oklahoma

The Insurance Information Institute states the following on insurance 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. While it may seem like only insurance companies suffer, premiums are considerably more expensive because companies need to make up for this deficit.

There are two types of insurance fraud: soft and hard. Soft fraud is the known misinformation people tell their insurers about mileage, number of drivers, etc. Hard fraud is the deliberate fabrication of a claim.

Fraud is illegal, and if you suspect it’s occurring on the part of another driver or your company, you should report it.

Oklahoma takes fraud very seriously and has an anti-fraud department dedicated to solving these crimes. You can contact the Oklahoma Department of Insurance here.

Statute of Limitations

The statute of limitations is the time period you have after an accident to file a claim. We recommend filing a claim as soon as an accident happens to ensure you get the best service and adequate compensation, but OK consumers have two years, for both physical injury and property damage, to file a claim.

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Vehicle Licensing Laws

Just as Oklahoma drivers need to maintain an active insurance policy on their registred vehicles, you also need to have a valid license. In this section, we’ll break down OK licensing laws and let you know what happens if you decide to drive without insurance.

REAL ID

The REAL ID Act, passed by Congress in 2005, set standards in the issuance and requirements of licenses to maintain safety. States complying with these standards issue licenses to their citizens that allow access to federal buildings and commercial aircraft carriers.

Oklahoma filed an extension with the federal government that will allow Oklahoma residents to use their current license rather than a new REAL ID license.

Penalties for Driving Without Insurance

Oklahoma has a strict policy on driving without insurance. The following may happen if you are caught 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

Once you have been found to be driving without insurance, you have 10 days to obtain a valid policy or face further consequences and possible license suspension.

Teen Driver Laws

Getting their driver’s license is a rite of passage for many teens across the country. Oklahoma has specific laws and policies in place to protect teens and ensure they become safe, experienced drivers.

To get a 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.

After you turn 16 years old, Oklahoma teens can take a driver’s test after driving for 50 supervised hours — 1o of these at night.

For a full list of teen driving restrictions, check out this chart:

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Once a teen receives a license, for the first year they cannot drive unsupervised between the hours of 10 p.m. – 5 a.m. or have more than one passenger in the car.

Older Driver License Renewal Procedures

Renewing your license as an older driver in the state of Oklahoma is simple, and there aren’t many extra hoops you’ll have to go through. Every state resident must renew their driver’s license every four years.

Drivers must do this in person. You cannot renew your license over the internet or by mail. Older drivers also need to pass a vision test at the time of their renewal.

New Residents

Welcome to Oklahoma! If you have moved to Oklahoma and have a valid out-of-state license, you can easily change to an Oklahoma license. No need for taking a written or driving test.

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

You’ll also want to check with your insurance provider to find out if you need to get your vehicle inspected Oklahoma Department of Public Safety (DPS).

Rules of the Road

Up next, we’ll go over the Oklahoma rules keeping drivers safe, like seat belts regulations, speed limits, and more.

Fault vs. No-Fault

As we mentioned earlier, Oklahoma is an at-fault state. This means if you get into an accident, one of the drivers will be determined to be “at fault.” Whoever is deemed at fault is then responsible for covering the costs of the other driver’s damages with their insurance.

Seat Belt and Car Seat Laws

Each state decides its seat belt and car seat laws. These protect drivers and passengers, including young children who may also be in the vehicle.

In Oklahoma, children must be in a rear-facing child safety seat if they are under two years of age or until they outgrow the manufacturer’s height/weight requirements. Children must also at least be nine years old to be able to sit in the front passenger seat.

Here’s a chart with all the specifics:

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In Oklahoma, riding in the cargo area of a truck is allowed.

Keep Right and Move Over Laws

Most drivers are familiar with the feeling of driving on the highway, stuck behind someone traveling below the speed limit. This can cause safety issues when drivers are trying to maneuver around slow drivers or maintain the speed of traffic.

On Oklahoma roads, drivers traveling below the speed limit must stay to the right.

Move over laws are very important for safety purposes and to help emergency vehicles arrive where they need to be as quickly as possible. In Oklahoma, when approaching any emergency vehicle with flashing lights or maintenance vehicles, drivers are required to vacate the lane closest to that vehicle.

Speed Limits

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

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

Ridesharing

In the last few years, ridesharing has become a popular way to get around or make extra cash. Companies like Uber and Lyft make ridesharing easily available to most drivers or riders.

If you decide to become a driver for a ridesharing company, you need to verify with your insurance company you have adequate coverage for ridesharing usage.

The following companies allow ridesharing use in Oklahoma:

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

Safety Laws

Staying safe on the road is the most important part of driving and keeping your rates low.  Drivers who may be under the influence of alcohol and/or marijuana pose a significant risk to themselves and others. Below is all the info on Oklahoma’s DUI Laws.

DUI Laws

Oklahoma takes DUI’s very seriously. A BAC of 0.08 is considered legally impaired.

The use of marijuana is also considered driving under the influence. Oklahoma has not legalized the use of marijuana.

If you receive a DUI in Oklahoma, your first offense will be charged with a misdemeanor. If you are convicted again, you will have a felony on your record. Here’s a breakdown of the penalties for repeated conviction:

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If convicted, drivers may face jail time, license suspensions, and fines. Not to mention the risk of harming or killing yourself or others.

Distracted Driving Laws

In today’s day and age of smartphones, notifications and instant messaging, using your phone while driving can be just as dangerous as driving while intoxicated. Oklahoma has some of the stricter laws in the country to enforce drivers remain focused.

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Texting while driving is banned for all drivers in the state of Oklahoma.

Driving Safely in Oklahoma

In this last section, we will cover a few more serious topics to ensure you are prepared when on the road in Oklahoma.

Read on to learn more about vehicle theft in the state of Oklahoma, as well as statistics on road fatalities in the state as provided by the National Highway Traffic Safety Administration.

Vehicle Theft in Oklahoma

We’ve compiled the top 10 vehicles most likely to be stolen in Oklahoma. The top four spots are all pickup trucks, the most popular vehicle in the state.

In Oklahoma, it seems, the bigger the truck, the more likely it is to draw unwanted attention.

Here’s data of annual thefts, with the make year and model of stolen vehicles as well. For instance, the top stolen vehicle in one year was the 1994 Chevrolet pickup.

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Thanks to data from the Federal Bureau of Investigation we can also show you which cities have the most stolen vehicles. Search to see how your city stacks up:
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Oklahoma City and Tulsa sit at the top of the list when it comes to vehicle theft in Oklahoma, which makes sense, as they are two of the largest OK cities.

Road Fatalities in Oklahoma

No matter how defensive a driver you are, road fatalities still can occur.

In this section, we will go over information about where and when most fatalities on Oklahoma roads happen. Hopefully, this information will help spread awareness and prevent fatalities in the future.

Most Fatal Highway in Oklahoma

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

Fatal Crashes by Weather Condition and Light Condition

Many drivers think rain and dark conditions mean a higher likelihood of an accident. But, as this next table shows, that’s not always the case.

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In Oklahoma, most accidents happen in light, normal conditions.

Fatalities (All Crashes) by County

Here is a list of fatalities by county.

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Large cities like Tulsa and Oklahoma City see the highest rates of fatalities due to population and traffic congestion.

Traffic Fatalities

Though Tulsa and Oklahoma City see the highest fatality concentration, more roadway deaths happen overall in rural areas than urban.

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Be sure to stay safe and alert when driving around the more open roads of OK.

Fatalities by Person Type

This next table shows the number of deaths by person type, meaning what the person who died was driving or doing on the road at the time an accident occurred. Each category is presented between 2013 – 2017:

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

Fatalities by Crash Type

Below are the stats of the crash type. Departure from roadways has the highest number of fatalities.

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The most types of fatal car crashes in Oklahoma are caused by single-vehicle accidents, with accidents involving a large truck coming in second.

Five-Year Trend For the Top 10 Counties

Next, here’s a table showing the five-year trend for the top 10 counties in Oklahoma for fatalities, beginning in 2013:

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Oklahoma County holds the top spot.

Fatalities Involving Speeding by County

Here are the fatalities involving speeding broken down by county. You can search to see where your locale sits.

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Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Unfortunately, drunk driving plays a big role in car crashes and fatalities each year. This table shows the number of fatalities in crashes involving a driver under the influence of alcohol in the counties of Oklahoma:

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Teen Drinking and Driving

Many parents worry about the culture of teenage drinking and driving. Here’s a chart showing how many Oklahoma teens have been charged with DWIs.

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Oklahoma is a bit above the national average in terms of teenage drinking and driving, so parents — be careful about your young drivers knowing the risks.

EMS Response Time

In the unfortunate event of an emergency, you want to know how long it takes for emergency medical services (or EMS) to get to you and then get you to a hospital. Below is a chart of response times for both urban and rural areas.

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Transportation in Oklahoma

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 of America, a little over 40 percent of households have two vehicles. Next are three-car households, followed by those who own one car.

Commute Time

The average worker commutes a little over 20 minutes to get to work, just a little over the national average of 15 – 19 minutes.

Commuter Transportation

Over 80 percent of Oklahoma drivers drive to work alone. Just over nine percent carpool and four percent work from home.

Traffic Congestion

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

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

Whew! That was a lot of info. We hope you learned everything you need to know about Oklahoma’s car insurance and feel ready to take the task of choosing the best auto insurance for you. Always shop around and compare quotes to get the best deals.

In that regard, if you want to start comparing quotes right now, you can enter your zip code here and use our free comparison tool to start your rate search.

Enter your zip code below to compare car insurance quotes and ensure you’re getting top-quality rates from the top auto insurance companies in Oklahoma.