An at-fault accident in Oklahoma typically raises your car insurance rates by 20-50% for 3-5 years. If you're currently paying $190/month, expect your rate to jump to $257-$285/month after an accident. But some carriers increase rates less than others — shopping around matters more than ever.
(888) 217-6781Oklahoma uses an at-fault system — the driver who caused the accident pays for damages through their liability insurance, and their rates go up. How much your rate increases depends on the severity of the accident, your prior record, and your insurance company.
| Accident Type | Rate Increase | How Long on Record |
|---|---|---|
| Minor at-fault (under $2,000) | 15-25% | 3 years |
| Major at-fault ($2,000+) | 30-50% | 3-5 years |
| At-fault with injury | 40-60% | 5 years |
| Not-at-fault | 0-10% | 3 years |
| Comprehensive claim (weather/theft) | 0-9% | 3 years |
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $864 | $144/mo |
| Oklahoma Farm Bureau | $924 | $154/mo |
| Progressive | $972 | $162/mo |
| State Farm | $1,068 | $178/mo |
| Allstate | $1,296 | $216/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
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