Good news for Oklahoma drivers: Jerry’s latest data shows that liability coverage in the Sooner State averages about $103 per month. Oklahoma is an at-fault state with some of the highest severe weather exposure in the country, which means everything from hailstorms to tornado seasons can influence what you pay. Over the past year we’ve helped 10,729 Oklahomans lower their premiums, and those who switch with Jerry save an average of $735 a year while keeping the protection they need.
Jerry compares quotes from up to 13 trusted insurerstrusted insurers in Oklahoma to build your policy and secure your best price in minutes.
Save on Oklahoma insurance with Jerry.
What Oklahoma drivers are paying right now
Insurance prices in Oklahoma can shift quickly. Tornado alley damage, increasing repair costs, rural crash severity and theft rates in cities like Tulsa and OKC all play a role. Two drivers with similar profiles can see different premiums purely based on ZIP code or commute patterns.
Jerry tracks live quotes across the state to show you exactly what drivers are paying today. Below are recent Oklahoma full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate periodically. In Oklahoma, severe weather seasons and updated claim data can nudge your renewal price more than you might expect.
4 smart ways Jerry helps Oklahoma drivers save on car insurance
The lowest headline rate isn’t always the best deal. Smart savings come from knowing what drives your Oklahoma premium and adjusting the right levers without weakening the coverage you rely on.
Jerry compares real offers, surfaces discounts you might not know about and shows you where you can save safely.
Here are our top tips to help you spend less and worry less.
| How to save | Average Oklahoma driver savings |
|---|---|
| Compare quotes | 35% to 68% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 6%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Oklahoma’s mix of severe weather, rural highways and dense metro corridors creates major pricing differences between insurers. Companies weigh hail exposure, wind damage, wildlife-collision risk and local claim history very differently, so your cheapest and most expensive quotes can be far apart.
Comparing rates side by side with Jerry is the fastest way to make sure you’re not overpaying.
Here’s where Oklahoma drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Oklahoma drivers who switched | Average Jerry savings |
|---|---|---|
| Assurance America | 26% | 33% |
| Progressive | 26% | 28% |
| National General | 15% | 41% |
| Root | 9% | 31% |
| Bristol West | 6% | 41% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Even drivers in the same county can see different premiums due to localized storm damage or traffic trends. Jerry shows these pricing gaps instantly so you can pick the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Oklahoma drivers qualify for more discounts than they realize, including safe-driver rewards, paperless billing, multi-car policies, good-student incentives and anti-theft savings. But insurers don’t always apply every eligible discount automatically.
Jerry finds the ones you qualify for so savings don’t slip through the cracks.
Key takeaway: Discount stacking often delivers more meaningful savings than raising deductibles alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing your deductible is one of the easiest ways to control your premium. Oklahoma drivers face everything from hailstorms to high-speed rural collisions, so choose a deductible you can comfortably afford if you need to make a claim.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find your ideal deductible:
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Review your car’s value (Jerry updates this monthly).
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Choose an amount you can comfortably pay out of pocket.
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See how each deductible affects your rate instantly in the Jerry app.
The Jerry difference: Jerry shows real-time prices across multiple deductible levels so you can choose confidently.
Jerry Agent Tip 4: Use telematics to your advantage
Telematics programs reward safe driving with real savings. In Oklahoma, Jerry data shows drivers save an average of 6% when they enroll. These programs score habits like smooth braking, lower mileage and avoidance of late-night driving, all major risk variables in a state where both rural and metro crash patterns run high.
Jerry’s DriveShield monitors your driving, scores your habits and reminds you to shop for lower rates when you qualify. We only share your score with insurers when it can reduce your premium.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Oklahoma requires 25/50/25 liability coverage plus UM/UIM, unless you reject it in writing. Beyond that, stronger protection often pays off in a state with severe weather and high rural crash severity.
Minimum
$57 – $134/mo
Meets Oklahoma’s liability requirements and UM/UIM if you keep it, but doesn’t cover your own car.
Full
$112 – $282/mo
Adds collision and comprehensive, often required for leased or financed vehicles.
Preferred
$176 – $426/mo
Higher limits, lower deductibles and extras like rental reimbursement or towing mean maximum protection.
Key takeaway: Start with your comfort around risk, where you drive and what your vehicle is worth. Jerry shows real-time pricing across all coverage tiers so you can choose confidently.
The cheapest Oklahoma policy is liability-only, but adding comprehensive or collision is often worth it given hail damage, tornado activity and deer-related claims.
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Coverage definitions
Oklahoma insurance factors at a glance
IInsurance costs in Oklahoma reflect the reality of living in one of the most weather-active states, combined with rural crash severity and higher-than-average uninsured driver rates. Two drivers with similar profiles can see different premiums depending on local weather exposure and traffic patterns.
Here’s what matters and why:
Severe weather
Oklahoma leads the nation in tornado activity and sees heavy hail losses, making comprehensive essential.
Rural crash severity
High-speed highways and wildlife crashes increase claim costs.
Urban congestion
Oklahoma City and Tulsa see elevated accident rates, necessitating collision coverage.
Uninsured drivers
Around 13% of Oklahoma drivers are uninsured, making UM/UIM valuable.
Oklahoma Insurance After a Ticket, Accident or SR-22
Jerry ensures one mistake doesn’t define your rate for years. We work with insurers that consider your full profile and help you re-shop your policy as your record improves.
If you got a ticket
Oklahoma assigns points for violations, and a single ticket can raise your premium for several years. The impact depends on severity and can be reduced only after points drop off or a violation clears.
Jerry monitors your record and shops for better rates when you become eligible.
Here are the average rate increases we’ve seen for Oklahoma drivers after a ticket:
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Speeding under 15: 12%
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Speeding over 15: 32%
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Failure to obey traffic sign: 21%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Oklahoma is an at-fault state. An at-fault accident typically raises premiums by an average of 24%, and the increase often lasts three to five years.
Jerry finds your best available rate now and revisits your policy once the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $263 |
| At Fault With Injury | $305 |
| At Fault With No Injury | $312 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Oklahoma comes with serious penalties and a large rate increase, jumping an average of 16%. Elevated premiums can last years, but some insurers offer more reasonable high-risk pricing.
Jerry identifies those carriers and also helps you revisit your coverage as your record improves, to potentially save even more.
Here are the five cheapest insurers for Oklahoma drivers with a DUI:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $200 | Yes | |
| $215 | Yes | |
| $248 | Yes | |
| $263 | Yes | |
| $264 | Yes |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Oklahoma
Oklahoma may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and you’ll see only insurers that process the filing. Most charge around $25 per year for the paperwork.
When your requirement ends, Jerry helps you move back to lower-cost coverage.
Car Insurance with Bad Credit
Oklahoma allows insurers to use credit-based insurance scores, and credit can meaningfully affect your rate. Even so, your driving record, accident history and coverage choices still carry a lot of weight.
Jerry shows you which insurers treat your credit profile most favorably.
Average rates in Oklahoma by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Oklahoma’s mix of severe weather, open highways, fast-growing metro areas and high uninsured-driver exposure means there’s no one cheapest policy for everyone. The right coverage is the one built around how and where you actually drive.
Jerry makes that easy by comparing real quotes and surfacing savings today. We also monitor your record and market rates, then alert you whenever your price can potentially improve.
Get Oklahoma quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
