The drive through Oklahoma City and the nearby rolling hills can be smooth and scenic, but with the potential for high winds and occasional tornadoes, a dependable insurance policy is essential.

It’s wise to compare car insurance from multiple companies to find the one that can get you the most affordable coverage, but it can be hard to know what to expect when you’re rate shopping.

We’ve gathered data from real Jerry customers in Oklahoma City to help show you how local drivers’ quotes can vary by their age, credit scores and driving records.

Cheapest minimum coverage insurance in Oklahoma City

Oklahoma requires you to have a $25,000/$50,000/$25,000 policy:

• $25,000 in bodily injury coverage per person.
• $50,000 in bodily injury coverage per accident.
• $25,000 in property damage per accident.

Here are the cheapest rates for minimum coverage in Oklahoma City, based on real quotes from Jerry customers.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Oklahoma City

Full coverage consists of collision and comprehensive coverage. Collision coverage pays for damages to your vehicle after an accident, regardless of who’s at fault, while comprehensive coverage pays for non-collision-related damages, including those caused by natural disasters.

The state’s insurance department has highlighted wind and hail damage as a threat to Oklahomans’ vehicles. Collision coverage would likely not protect your vehicle from damage caused by weather, but comprehensive coverage may protect you in the event of any body, windshield and interior damage.

Here are the cheapest quotes for full coverage in Oklahoma City, based on real quotes from Jerry customers.

Cheapest car insurance for young drivers in Oklahoma City (18-29 years old)

Younger drivers in Oklahoma City may pay higher rates than older drivers, but they still may be able to get affordable insurance. It pays to compare quotes from multiple insurers to find the best rate. Here are the cheapest quotes young Jerry customers in Oklahoma City have received.

Cheapest car insurance for mature drivers in Oklahoma City (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Oklahoma City

Drivers in Oklahoma City with a no claims or traffic violations tend to get lower rates than those with less-than-perfect records. Here are the cheapest quotes that Oklahoma City Jerry customers with clean records have received.

Cheapest car insurance for drivers with low credit scores in Oklahoma City

A low credit score could lead to higher insurance costs. Here are some of the cheapest rates for drivers with low scores in Oklahoma City, based on data from real Jerry customers.

Cheapest car insurance for drivers with at-fault accidents in Oklahoma City

Cheapest car insurance for drivers with speeding tickets in Oklahoma City

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.