Who Has the Cheapest Oklahoma City Auto Insurance for Drivers Requiring a SR22?

For high risk drivers, one of the largest factors that help determine insurance cost is where you call home. Areas with more people or more claims tend to have higher rates, whereas areas with less congestion profit from lower rates.

The table below rates the priciest cities in Oklahoma for drivers requiring a SR22 to purchase auto insurance in. Oklahoma City makes the list at #5 with the yearly price of $2,178 for car insurance, which is around $182 each month.

How much does auto insurance cost in Oklahoma City?
Rank City Average Per Year
1 Sand Springs $2,227
2 Del City $2,221
3 Broken Arrow $2,216
4 Tulsa $2,215
5 Oklahoma City $2,178
6 Bethany $2,157
7 Owasso $2,148
8 Bixby $2,147
9 Midwest City $2,140
10 Edmond $2,105
11 Sapulpa $2,102
12 Norman $2,075
13 Claremore $2,069
14 Moore $2,069
15 Shawnee $2,028
16 Bartlesville $2,000
17 Yukon $1,994
18 Stillwater $1,970
19 Duncan $1,923
20 Lawton $1,922
21 Ponca City $1,918
22 Muskogee $1,905
23 Enid $1,904
24 Altus $1,894
25 Ardmore $1,879
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Information shown are comparative as vehicle location can increase or decrease price quotes noticeably.

The make and model of vehicle you are buying coverage for is probably the largest consideration in finding the cheapest auto insurance for drivers requiring a SR22. Vehicles with more horsepower, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than safer models.

The next table showcases insurance rates for a handful of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Oklahoma City, OK
Vehicle Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $3,673
Honda CR-V LX 2WD $3,678
Ford Escape XLT 4WD $3,874
Toyota Prius $3,954
Volkswagen Jetta S 2.5 Station Wagon $4,071
Ford Edge SE 2WD $4,279
Ford F-150 XL Crew Cab 2WD $4,330
Dodge Grand Caravan CV $4,336
GMC Sierra SLE Regular Cab 2WD $4,350
Toyota Tacoma Double Cab 4WD $4,357
Nissan Altima 2.5 4-Dr Sedan $4,350
Ford Fusion S 4-Dr Sedan $4,359
Ford Explorer Limited AWD $4,392
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Data based on single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate information does not factor in vehicle location which can revise coverage prices greatly.

Looking at the data, we can conclude that models like the Honda Accord, Honda CR-V, and Ford Escape are most likely to be the less-costly vehicles to insure for high risk drivers. The cost of auto insurance will trend higher because of the fact that there is a higher risk for drivers requiring a SR22, but overall those particular vehicles will tend to have the lowest prices that you’ll find.

Shopping around for affordable car insurance is tough enough, and figuring out which insurers offer the most affordable insurance rates for drivers requiring a SR22 takes even more shopping around.

Every car insurance company has a different formula for determining rates in each state, so we’ll take a look at the most budget-friendly insurance companies in Oklahoma. It’s important to understand that Oklahoma City insurance rates are determined by lots of factors which can significantly increase or decrease the price you have to pay for coverage. Things like getting older, moving across town, or getting a reckless driving citation may prompt premium changes that may make certain companies cheaper in comparison to the competition.

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Rankings for the cheapest car insurance companies in Oklahoma
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,166
2 USAA $1,196
3 The Hartford $1,333
4 Safe Auto $1,377
5 GEICO $1,394
6 Farmers $1,436
7 State Farm $1,568
8 Liberty Mutual $1,797
9 Travelers $1,925
10 Mercury $1,973
11 OK Farm Bureau $2,079
12 Shelter $2,108
13 Home State $2,193
14 MetLife $2,213
15 Progressive $2,245
16 Allstate $2,472
17 Safeco $5,158
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Oklahoma Farmers Union generally has some of the cheapest car insurance rates in Oklahoma City at around $1,166 each year. USAA, The Hartford, Safe Auto, and GEICO also make the cut as some of the best Oklahoma City, OK car insurance companies.

As shown in the rates above, if you currently have a policy with Safe Auto and switched to Oklahoma Farmers Union, you might achieve annual savings of around $211. Policyholders with GEICO might save as much as $228 a year, and Farmers customers might cut rates by $270 a year.

If you would like to find cheaper car insurance rates, click here to get a free quote or click through to the companies below.

Bear in mind that those premiums are averages for all drivers and vehicles in Oklahoma and do not factor in a specific location for drivers requiring a SR22. So the auto insurance company that fits your situation best may not even be in the list above. That’s why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

How accidents and violations affect rates

In a perfect world, the ideal way to snag good insurance prices in Oklahoma for high risk drivers is to be a good driver and not have accidents or get tickets. The chart below illustrates how violations and accidents can raise insurance costs for different age groups. The premiums assume a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of car insurance in Oklahoma per year with no accidents and a clean driving record is $3,436. Get written up for one speeding ticket and the average cost increases to $3,872, an increase of $435 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for drivers requiring a SR22 jumps again to an average of $7,556. That’s an increase of $4,120, or $343 per month, just for not paying attention while driving!

Get discounts on Oklahoma City car insurance

Discounts on insurance for drivers requiring a SR22Car insurance companies that provide policies for drivers requiring a SR22 may provide premium discounts that can lower rates by as much as 30% if you qualify. The best insurance companies and a partial list of their discounts can be found below.

The diagram below shows the difference between insurance prices with and without discounts applied to the policy rates. The rate quotes are based on a male driver, three violations and one at-fault accident, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with paperless filing, vehicle safety, marriage, multiple vehicle, passive restraint, and multiple policy discounts applied. With discounts applied, theaverage yearly reduction on insurance for drivers requiring a SR22 is 28% or $949.

How to find more affordable auto insurance for drivers requiring a SR22

The list below shows a few thrifty suggestions that can help you locate cheaper car insurance.

The last idea is extremely critical, as we noted in the prior information. Car insurance rates can be adjusted at any time, so don’t be tentative to switch to a new company if a lower price can be found. Loyalty to a specific company is fine, but is isn’t recommended if that devotion results in you overpaying hundreds of dollars a year. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for drivers requiring a SR22 in Oklahoma City.