Oklahoma Car Insurance Driver’s Guide [Coverages + Advice]

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OKLAHOMA STATISTICSDETAILS
Miles of Roadway112,637
Registered Vehicles3.4 million
Population3.9 million
Most Popular VehicleFord F-150
Uninsured Motorist Rate10.50%
State Rank: 31th
Total Driving Related Deaths in 2017826
Speeding Fatalities in 2017143
DUI Fatalities in 2017683
Average Car Insurance CostLiability: $461.01
Collision: $318.47
Comprehensive: $225.84
Combined Premium: $1,005,32
Cheapest ProviderState Farm
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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.

LIABILITY COVERAGEMINIMUM LIMIT
Bodily injury$25,000 per one person
$50,000 per accident
Property Damage$25,000 minimum
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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:

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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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.

COVERAGEAVERAGE COST, OKLAHOMAAVERAGE COST, NATIONWIDE
Collision$318.47
$322.61
Comprehensive$225.84
$148.04
Liability$461.01
$538.73
Full Coverage$1,005.32
$1,009.38
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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:

LOSS RATIOOKLAHOMANATIONWIDE
Medical Payments68.0975.74
Uninsured liability63.2375.14
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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:

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$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$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$2,253.30$2,465.41$2,404.73$2,704.77$6,619.94$7,073.30$1,975.53$1,975.53
Progressive$2,671.48$2,540.84$2,198.84$2,327.53$10,613.86$11,900.02$3,126.90$3,279.31
SAFECO$4,632.47$4,896.08$4,069.22$4,435.89$12,935.67$14,212.79$4,819.54$4,995.32
State Farm$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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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:

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

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

Most Expensive Cities in OklahomaAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
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
Del City$4,680.38Liberty Mutual$7,707.40Progressive$5,958.85State Farm$3,177.55USAA$3,387.22
Forest Park$4,715.69Liberty Mutual$7,387.73Progressive$5,906.39State Farm$3,118.89USAA$3,557.24
Glenpool$4,659.69Liberty Mutual$7,369.86Progressive$6,301.87State Farm$3,125.00GEICO$3,255.36
Midwest City$4,663.70Liberty Mutual$7,591.38Progressive$5,929.75State Farm$3,159.62USAA$3,425.67
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
Oklahoma City$4,713.34Liberty Mutual$7,827.17Progressive$5,859.47State Farm$3,212.84USAA$3,454.53
Tulsa$4,903.84Liberty Mutual$7,969.89Progressive$6,156.47State Farm$3,378.92USAA$3,592.35
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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.

Least Expensive Cities in OklahomaAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Altus$3,682.05Liberty Mutual$6,059.14Progressive$4,247.18State Farm$2,536.43GEICO$2,743.46
Altus Afb$3,724.33Liberty Mutual$6,059.14Progressive$4,398.59State Farm$2,591.02GEICO$2,743.46
Eldorado$3,694.92Liberty Mutual$6,119.06Progressive$4,089.93State Farm$2,591.02GEICO$2,743.46
Elmer$3,692.21Liberty Mutual$6,048.86Progressive$4,038.41State 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
Goodwell$3,704.39Liberty Mutual$5,974.78Farmers$3,871.33State Farm$2,566.00USAA$3,063.11
Headrick$3,722.42Liberty Mutual$6,119.06Progressive$4,071.71State Farm$2,591.02GEICO$2,743.46
Kenton$3,715.81Liberty Mutual$5,930.51Farmers$3,973.18State Farm$2,591.02USAA$3,063.11
Manitou$3,646.98Liberty Mutual$6,048.86Progressive$4,036.19State 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
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Manitou is the cheapest city for car insurance in Oklahoma.

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:

ProvidersAM RatingDirect Premiums WrittenMarket ShareLoss Ratio
AllstateA+$186,4487.00%48.05%
CSAAA$103,3783.88%50.54%
Farmer's InsuranceNR$303,20711.38%51.38%
GeicoA++$184,1966.91%66.79%
Liberty MutualA$174,6546.55%57.68%
Oklahoma Farm BureauB+$105,7123.97%55.16%
ProgressiveA+$238,9518.96%55.51%
Shelter InsuranceA$92,1673.46%61.81%
State Farm GroupA$677,19225.41%57.03%
USAANR$172,9146.49%69.06%
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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:

Despite increasing premiums, customers are happy with digital and live interactions with their carriers which makes for better customer experience.

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.

ProvidersCompany Complaint Ratio 2017Total Complaints 2017
Allstate0.5163
CSAA3.976
Farmers00
Geico.0076
Liberty Mutual.0076
Oklahoma Farm Bureau0.212
Progressive0.75120
Shelter0.6147
State Farm0.441,482
USAA02
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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.

CompanyAverageCompared to State Average
Allstate$3,718.62-11.39%
Farmers$4,142.400.00%
Geico$3,437.33-20.51%
Progressive$4,832.35+14.28%
SAFECO$6,874.62+39.74%
State Farm$2,816.80-47.06%
USAA$3,174.15-30.50%
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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.

GroupAnnual Average for 10 mile commute (6000 annual mileage)Annual Average for 25 mile commute (12000 annual mileage)
Allstate$3,718.62$3,718.62
Farmers$4,142.40$4,142.40
Geico$3,502.79$3,371.88
Liberty Mutual$6,874.62$6,874.62
Progressive$4,832.35$4,832.35
State Farm$2,864.91$2,768.69
USAA$3,212.43$3,135.87
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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.

INSURANCE COMPANYLOW COVERAGEMEDIUM COVERAGEHIGH COVERAGE
Allstate$3,493.21$3,703.87$3,958.78
Farmers$3,962.59$4,095.52$4,369.10
Geico$3,198.14$3,442.87$3,670.99
Liberty Mutual$6,520.08$6,849.85$7,253.93
Progressive$4,481.18$4,801.19$5,214.67
State Farm$2,645.97$2,796.58$3,007.85
USAA$3,048.34$3,165.21$3,308.89
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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.

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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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.

COMPANYCLEAN RECORDONE SPEEDING VIOLATIONONE ACCIDENTONE DUI
Allstate$3,198.39$3,597.46$3,749.51$4,329.11
Farmers$3,497.47$4,199.60$4,490.66$4,381.87
Geico$2,504.07$3,153.48$3,835.75$4,256.03
Liberty Mutual$4,623.23$6,369.71$7,744.42$8,761.12
Progressive$3,763.08$4,419.80$6,992.38$4,154.13
State Farm$2,616.01$2,816.80$3,017.59$2,816.80
USAA$2,341.22$2,880.43$3,362.41$4,112.53
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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.

ProvidersAM RatingDirect Premiums WrittenMarket ShareLoss Ratio
AllstateA+$186,4487.00%48.05%
CSAAA$103,3783.88%50.54%
FarmersNR$303,20711.38%51.38%
GeicoA++$184,1966.91%66.79%
Liberty MutualA$174,6546.55%57.68%
Oklahoma Farm BureauB+$105,7123.97%55.16%
ProgressiveA+$238,9518.96%55.51%
ShelterA$92,1673.46%61.81%
State FarmA$677,19225.41%57.03%
USAANR$172,9146.49%69.06%
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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:

Domestic CompaniesForeign CompaniesTotal Number of Licensed Insurers
31873904
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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.

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:

RESTRICTIONSLIMITATIONS
Nighttime restrictions10 p.m. to 5 a.m.
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)
Passenger restrictions (family members excluded unless noted otherwise)no more than 1 passenger
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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:

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

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.

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:

DUILICENSE REVOCATIONJAIL TIMEFINEOTHER
1st Offense1 to 6 months5 days to 1 yearno minimum but up to $1,000IID (ignition interlock) required for 18 months if BAC is 0.15+
2nd Offense6 months minimum1-5 yearsno minimum but up to $2,500IID (ignition interlock) required for 5 years
3rd + Offense1-3 years1-10 yearsno minimum but up to $5,000IID (ignition interlock) required for 5 years
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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.

LAWS ON CELLPHONES WHILE DRIVING IN OKLAHOMAWHO IT AFFECTS
Hand-held banLearner's permit and intermediate license holders
Text banAll drivers
EnforcementPrimary
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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.

Car Model and MakeYear of VehicleNumber 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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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:

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
El Reno19,13325
Elgin3,1641
Elk City12,05717
Elmore City7080
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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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.

WEATHER CONDITIONDAYLIGHTDARK, BUT LIGHTEDDARKDAWN OR DUSKOTHER / UNKNOWNTOTAL
Normal28150195273556
Rain133171135
Snow/Sleet001001
Other7170015
Unknown111014
Total30255221285611
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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.

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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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.

ROAD TYPE20132014201520162017
Rural499468391426417
Urban229201254260238
Total678669645687655
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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:

TRAFFIC DEATHS BY PERSON TYPE20132014201520162017
Passenger Car Occupants230226222207198
Light Pickup Truck Occupants130174121144123
Light Utility Truck Occupants9282788886
Van Occupants2218213127
Large Truck Occupants2941272728
Other/Unknown Occupants9119611
Bus Occupants04000
Motorcyclists9257898893
Pedestrians5850708878
Bicyclists and Other Cyclists134656
Other/Unknown Non-occupants32235
State Total678669645687655
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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.

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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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:

COUNTY20132014201520162017
Canadian County1214121724
Cleveland County2116281425
Comanche County1515121516
Grady County1917171614
Le Flore County710141816
Mayes County121572114
McClain County9771614
Oklahoma County7573858890
Ottawa County8411714
Tulsa County7161726770
Top 10 County Total298265303300297
State Total (Includes All Counties)678669645687655
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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.

COUNTY20132014201520162017
Adair County00213
Alfalfa County00000
Atoka County01014
Beaver County00110
Beckham County21320
Blaine County01001
Bryan County37272
Caddo County38244
Canadian County41126
Carter County73310
Cherokee County12137
Choctaw County00022
Cimarron County00010
Cleveland County43836
Coal County10010
Comanche County62232
Cotton County11000
Craig County03001
Creek County30034
Custer County11132
Delaware County97235
Dewey County01011
Ellis County01110
Garfield County10301
Garvin County15310
Grady County51420
Grant County00110
Greer County10040
Harmon County00000
Harper County00030
Haskell County02010
Hughes County21011
Jackson County10000
Jefferson County20040
Johnston County00201
Kay County80311
Kingfisher County01110
Kiowa County01100
Latimer County11110
Le Flore County22658
Lincoln County44100
Logan County11101
Love County23011
Major County30100
Marshall County00210
Mayes County53154
Mcclain County40232
Mccurtain County60224
Mcintosh County10240
Murray County00010
Muskogee County32312
Noble County11110
Nowata County10110
Okfuskee County10010
Oklahoma County2023363021
Okmulgee County11340
Osage County21341
Ottawa County10301
Pawnee County01111
Payne County75142
Pittsburg County00733
Pontotoc County22112
Pottawatomie County11530
Pushmataha County10000
Roger Mills County11000
Rogers County34264
Seminole County33331
Sequoyah County14402
Stephens County02000
Texas County01113
Tillman County00000
Tulsa County2023222420
Wagoner County52441
Washington County03022
Washita County11110
Woods County10010
Woodward County33343
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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:

COUNTY20132014201520162017
Adair County01103
Alfalfa County00100
Atoka County12203
Beaver County01200
Beckham County00111
Blaine County11002
Bryan County12553
Caddo County06023
Canadian County64338
Carter County35333
Cherokee County33122
Choctaw County04112
Cimarron County00000
Cleveland County441047
Coal County00000
Comanche County57144
Cotton County01220
Craig County41000
Creek County64773
Custer County10110
Delaware County62222
Dewey County00010
Ellis County11010
Garfield County62132
Garvin County54213
Grady County44542
Grant County00020
Greer County20120
Harmon County00000
Harper County00000
Haskell County11000
Hughes County11012
Jackson County10010
Jefferson County00000
Johnston County00000
Kay County50320
Kingfisher County02201
Kiowa County30202
Latimer County01112
Le Flore County12755
Lincoln County42244
Logan County20300
Love County10011
Major County41100
Marshall County10011
Mayes County14334
Mcclain County22130
Mccurtain County30364
Mcintosh County21141
Murray County01130
Muskogee County54300
Noble County20001
Nowata County00101
Okfuskee County02031
Oklahoma County1417262632
Okmulgee County26241
Osage County10240
Ottawa County20134
Pawnee County00031
Payne County53452
Pittsburg County21735
Pontotoc County23241
Pottawatomie County01741
Pushmataha County00100
Roger Mills11010
Rogers County61630
Seminole County27033
Sequoyah County14302
Stephens County22000
Texas County00211
Tillman County00000
Tulsa County2316182525
Wagoner County44141
Washington County01101
Washita County11002
Woods County00010
Woodward County01120
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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.

NUMBER OF UNDER 18 DWI ARRESTS:TOTAL PER ONE MILLION PEOPLE (DWI UNDER 18 ARRESTS):RANK:
107111.2718
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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.

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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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.

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