Cheapest And Best Non-Owner Car Insurance In Oklahoma 2024
From our extensive research, it’s evident that Kemper provides the most affordable and top-notch non-owner car insurance in Oklahoma.
We’ve saved shoppers an average of $600 per year on their car insurance.
A growing number of Oklahoma residents are shifting away from traditional car ownership, opting to share or rent vehicles instead. Non-owner car insurance offers financial protection and peace of mind in such situations.
With 15 years of experience as an insurance agent and over 35 years of buying car insurance, I have a comprehensive understanding of Oklahoma’s insurance providers and their strengths.
Cheapest Non-Owner Car Insurance In Oklahoma, 2024
Compare The Cheapest And Best Non-Owner Car Insurance In Oklahoma
| Overall Rating | Best Suited For | A.M. Best Rating | J.D. Power Rating | Average Monthly Cost | Get A Quote | |
|---|---|---|---|---|---|---|
| Kemper |
|
Cheapest Overall |
A- |
736 |
$35 |
Instant Quote |
| Farmers |
|
Cheapest Non-Owner SR-22 |
A- |
810 |
$62 |
Instant Quote |
| State Farm |
|
Best Overall |
A++ |
826 |
$53 |
Instant Quote |
| Progressive |
|
Cheapest With A Clean Driving Record |
A+ |
809 |
$36 |
Instant Quote |
| Travelers |
|
Best Runner-up |
A++ |
NR |
$44 |
Instant Quote |
Our Methodology
Through an exhaustive analysis covering customer service ratings, product options, pricing structures, and evaluations from various online review platforms and user experiences, I've developed a comprehensive view of non-owner car insurance providers.
This perspective has been honed through my extensive experience of more than 15 years as a licensed agent in Oklahoma, along with numerous interactions with representatives from different companies and firsthand purchasing experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Non-Owner Car Insurance Companies In Oklahoma
Cheapest Overall
Key Statistics
Why We Like Them
⇅If you’re in Oklahoma and looking for affordable car insurance, even if you don’t own a car, Kemper might be a good choice. They specialize in providing low-cost auto insurance for drivers who are considered high-risk. You can purchase their policies from independent agents not only in Oklahoma but also in other states.
Although Kemper aims to offer affordable rates, it doesn’t score well in customer satisfaction, according to the National Association of Insurance Commissioners. Nonetheless, it remains a popular option and ranks as the 11th largest insurer in the United States.
For active-duty military personnel, National Guard members, deployed individuals, or those residing on military bases who frequently use someone else’s car, Kemper could be a suitable option.
Car insurance in Oklahoma tends to be expensive due to factors like heavy traffic and a high number of drivers without adequate insurance coverage. This makes owning and insuring a vehicle difficult for many people. Consequently, more individuals are opting not to own cars or are relying on rentals. Non-owner car insurance, which is affordable, is becoming a popular solution for many in Oklahoma who no longer require traditional car insurance.
Benefits & Drawbacks
⇅- Provides competitive insurance rates tailored for Oklahoma residents without vehicle ownership.
- If needed, make sure to get an SR-22 form.
- AM Best provides a strong rating for financial stability. ✓
- Many customers have expressed dissatisfaction with the help provided to people with insurance.
- An app getting low ratings from users on their phones. ✘
Rates For The Cheapest Non Owner Car Insurance In Oklahoma
| Insurance company | Monthly Rate |
| Progressive | $36 |
| State Farm | $34 |
| Kemper | $32 |
| GEICO | $34 |
| Travelers | $58 |
Cheapest Non Owner SR-22
Key Statistics
Why We Like Them
⇅Farmers is known for its dependable non-owner car insurance, particularly beneficial for drivers requiring an SR-22 form, necessary for those labeled “high-risk” by the state due to infractions like DUIs, reckless driving, or driving uninsured.
What sets Farmers apart is its tailored assistance for high-risk drivers. They not only provide SR-22 insurance but also aid drivers in quickly reinstating suspended licenses. This commitment to simplifying matters for high-risk drivers distinguishes Farmers from other insurers.
Regarding expenses, Farmers offers SR-22 insurance at just a 2% higher rate than regular car insurance on average. This affordability, coupled with extensive coverage, renders Farmers a pragmatic option for Oklahoma drivers needing an SR-22.
Obtaining non-owner SR-22 insurance is a prudent choice for high-risk drivers without personal vehicles but occasional driving needs. It furnishes liability coverage, ensuring financial protection in case of accidents while driving borrowed or rented vehicles.
Furthermore, it facilitates the maintenance of continuous insurance coverage, showcasing financial responsibility and averting potential lapses in insurance history that might result in higher premiums down the line.
Benefits & Drawbacks
⇅- Focuses on assisting individuals identified as high-risk drivers.
- We provide affordable prices for SR-22 insurance tailored for people who don't own cars.
- You've got various insurance choices available. ✓
- Multiple clients are encountering issues with the handling and resolution of their insurance claims.
- Car insurance rates could increase for drivers who are deemed more likely to get into accidents or file claims. ✘
Rates For The Cheapest Non-Owner SR-22 In Oklahoma
| Insurance company | Monthly Rate |
| Progressive | $55 |
| GEICO | $57 |
| State Farm | $35 |
| Farmers | $33 |
| Travelers | $95 |
Cheapest With A Clean Driving Record
Key Statistics
Why We Like Them
⇅If you’re in Oklahoma without a car but need insurance, consider Progressive as a solid choice, especially if you’re a careful driver. Their non-owner car insurance covers accidents like injuries and property damage, which is crucial since Oklahoma mandates financial responsibility for all vehicles on its roads.
You can get Progressive’s non-owner car insurance from independent agents or directly from them. They’re known for handling claims swiftly and have strong financial standings.
Having a clean driving record qualifies you for reduced premiums on non-owner car insurance. Insurance providers view you as less of a risk due to your safe driving habits. This also helps them avoid losses from claims, keeping their rates competitive. Therefore, maintaining a spotless driving history can significantly cut down your insurance expenses.
Benefits & Drawbacks
⇅- Many options exist for getting insurance coverage.
- Fantastic discounts available for drivers who prioritize safety above all else.
- Drivers who uphold a spotless driving history, free from accidents or breaking traffic rules, could be eligible for lower insurance premiums. ✓
- Customers hold different views on the service quality.
- Absence of insurance coverage for leased cars
- Some states might not offer car insurance choices for individuals who don't possess a car. ✘
Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record
| Insurance company | Monthly rate |
| Travelers | $62 |
| GEICO | $36 |
| State Farm | $38 |
| Progressive | $34 |
| Farmers | $54 |
Best Overall Non Owner Car Insurance
Key Statistics
Why We Like Them
⇅State Farm is a popular option among Oklahoma residents looking for non-owner car insurance. They offer competitive prices, different coverage choices, and great assistance.
Even though State Farm might not have the cheapest rates, they start at $213 annually for non-owner liability coverage. This coverage protects you in case you cause injury or damage to property.
Also, if you already have a personal auto policy with State Farm that includes comprehensive coverage, it can cover your rental car, giving you extra peace of mind.
State Farm sets itself apart with its dedication to customer service. They ensure easy access through their mobile app or a specific contact number, so policyholders can get help quickly when needed.
While price matters, reliable customer service is just as crucial. Insurance is about feeling secure and having trust that you’ll get assistance when you need it. That’s why an insurance company’s effectiveness in handling claims and offering guidance is very important.
Benefits & Drawbacks
⇅- A wide range
- Competitive pricing
- Amazing customer happiness ✓
- Usually, standard insurance plans that aren't tailored to the specific vehicle owner's needs may not offer complete protection in case of accidents or crashes.
- They only offer a limited number of discounts.
- You can discover less expensive options. ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅In Oklahoma, Travelers is a top choice for people needing non-owner car insurance. They’re known for customizing plans to fit individual needs and providing excellent customer service.
Having a dependable insurance company is crucial, especially in emergencies or when filing claims, and Travelers excels in this regard by offering fast and efficient assistance, demonstrating their dedication to customer satisfaction. Their coverage options include basic liability, collision, and uninsured/underinsured coverage, all at affordable rates.
Non-owner car insurance primarily shields you from being held liable for damages you cause to others. Additionally, you can bolster your coverage by adding comprehensive and collision coverage, protecting against theft, vandalism, natural disasters, and accidents involving other vehicles or objects, regardless of fault.
Benefits & Drawbacks
⇅- Complete security
- Exceptional customer support
- Competitive pricing ✓
- Currently, it's not possible to obtain cost estimates via the internet.
- Exclusive offers with restrictions
- Car insurance rates could increase for drivers who are deemed to have a higher risk of being involved in accidents. ✘
Average Cost Of Non-Owner Car Insurance In Oklahoma
Understanding non-owner car insurance options can be challenging given the variety of providers and price fluctuations. It’s crucial to comprehend how your choices can impact your finances.
To aid in this, we’ve created a comparison chart outlining rates from five major providers.
| Insurer | Average Monthly Rate |
| Progressive | $25 |
| State Farm | $20 |
| Mercury | $27 |
| Geico | $22 |
| Farmers | $35 |
Average Cost Of Non-Owner Car Insurance In Oklahoma Cities
Outlined below are the usual fees for services in five compact Oklahoma municipalities.
| City | Sample Average Annual Rate |
| Forgan | $145 |
| Kenton | $142 |
| Texhoma | $143 |
| Beaver | $138 |
| Balko | $139 |
How Much Is Non-Owner Car Insurance In Oklahoma’s 10 Biggest Cities?
The size of the city impacts how much you’ll pay for car insurance. In bigger cities with busier streets, insurance rates tend to be higher.
| City | Average Annual Rate |
| Tulsa | $210 |
| Norman | $208 |
| Lawton | $175 |
| Stillwater | $170 |
| Enid | $160 |
| Oklahoma City | $239 |
| Moore | $225 |
| Midwest City | $228 |
| Broken Arrow | $217 |
| Edmond | $218 |
How Much Is Non-Owner Car Insurance In Oklahoma By Age?
Non-owner car insurance rates in Oklahoma align with those of full coverage insurance, with teenagers facing the highest costs that gradually decrease until age 55.
Below are example rates for different age segments.
| Age | Average Annual Rate |
| 16 | $1,006 |
| 17 | $800 |
| 18 | $668 |
| 19 | $437 |
| 20 | $368 |
| 21 | $282 |
| 22 | $255 |
| 23 | $248 |
| 24 | $232 |
| 25 | $195 |
| 30 | $180 |
| 35 | $172 |
| 40 | $170 |
| 45 | $168 |
| 50 | $162 |
| 55 | $156 |
| 60 | $160 |
| 65 | $176 |
| 70 | $200 |
| 75 | $230 |
What Is SR-22 Insurance?
SR-22 isn’t technically an insurance policy; it’s more of a confirmation of your vehicle liability coverage. Required by most state DMVs for high-risk insurance policies, it serves as proof that you meet the minimum liability insurance requirements.
Your insurance company handles this paperwork, crucial for individuals facing license suspension due to traffic violations or serious offenses like DUIs. Essentially, it verifies your financial responsibility by showing you’ve obtained the necessary auto liability insurance.
Typically, it’s mandated by the state or court, especially for high-risk drivers, and your insurer must inform the state if your coverage lapses.
Should You Get Non-Owner Car Insurance In Oklahoma?
Non-owner car insurance is meant for individuals who don’t possess a car but may drive occasionally. It offers liability protection if you cause an accident while driving a car you’ve borrowed or rented. Certain people in Oklahoma should consider acquiring this insurance.
Frequent Renters And Borrowers
Non-owner car insurance is something to think about if you often rent cars or borrow them from friends or family. While rental companies do offer insurance options, they can be costly for those who rent frequently.
Similarly, while the owner’s insurance might cover some accidents, having your own policy guarantees protection without affecting the owner’s premium.
Public Transport Commuters With Occasional Driving Needs
Public transit and rideshare services are the primary modes of transportation for numerous Oklahoma residents in their daily lives, with personal driving limited to specific occasions. If you’re part of this group, it’s likely due to living in an urban area with reliable public transit or having a preference for biking or walking.
Nonetheless, there are instances where driving is necessary. Non-owner insurance steps in to offer financial security during these times.
Individuals Trying To Maintain Continuous Coverage
Insurance providers tend to see drivers without ongoing coverage as risky, which might result in higher premiums when buying a car.
If you’ve sold your vehicle and will be without one for some time, securing a non-owner policy can help maintain continuous coverage and keep your insurance history intact. This can be particularly helpful when you eventually purchase another car and need regular insurance.
What Does Non-Owner Car Insurance Cover?
If you’re without a car but need insurance, a non-owner policy is what you’re after. It primarily focuses on liability coverage, paying for others’ injuries or property damage in an accident where you’re at fault.
However, it’s crucial to note that it won’t cover any damage to the car you’re driving; that’s up to the owner’s insurance. Some plans may offer extras like medical payments or personal injury protection, which cover medical bills no matter who’s at fault.
You can also choose uninsured/underinsured motorist protection to protect against drivers with insufficient coverage. Just remember, non-owner insurance doesn’t include comprehensive or collision coverage for damages from theft, vandalism, natural disasters, or accidents.
What Is Non-Owner Car Insurance?
If you frequently drive cars that aren’t yours, such as rentals or borrowed vehicles, you might want to think about getting non-owner car insurance. This type of insurance primarily deals with liability, meaning if you’re responsible for an accident while driving someone else’s car, your policy can cover the medical and repair expenses of the other party involved.
Some insurers might also offer additional options like protection against uninsured drivers or personal injury coverage. However, it’s essential to understand that non-owner insurance usually doesn’t include coverage for damage to the car you’re driving. It’s a sensible choice for individuals who often rent or borrow cars, providing an additional level of protection.
Plus, it could be more cost-effective compared to always purchasing insurance from the rental company. Additionally, having this type of policy ensures you maintain continuous insurance coverage, potentially resulting in lower premiums if you decide to purchase a car in the future.
| Coverage Type | Non-Owner Car Insurance | Full Coverage Policy |
| Liability Coverage | Covers bodily injury and property damage you cause to others. | Covers bodily injury and property damage you cause to others. |
| Comprehensive Coverage | Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. | Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism. |
| Collision Coverage | Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. | Covers damages to your vehicle from a collision, regardless of fault. |
| Uninsured/Underinsured Motorist Protection | Optional. Some insurers offer this as an additional coverage. | Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver. |
| Personal Injury Protection (PIP) | Optional. Some insurers offer this as an additional coverage. | Can cover medical expenses for you and your passengers, regardless of who is at fault. |
| Rental Car Coverage | Provides liability coverage when you rent a vehicle. | Typically requires additional rental reimbursement coverage. |
How To Get Non-Owner Car Insurance In Oklahoma
Follow these five steps for a smooth and efficient experience in securing non-owner car insurance in Oklahoma.
Understand Your Needs
Understanding the importance of non-owner car insurance is vital before beginning. Do you frequently rent vehicles or borrow cars from friends or family? Is a non-owner SR-22 form required for license reinstatement? Clearly stating your needs is essential for finding the right solution.
Gather Your Personal Information
To receive a non-owner car insurance quote, you’ll have to give out some basic personal information such as your name, address, and driver’s license number. This helps the insurance company determine your risk level and the corresponding premium.
Compare Rates From Different Providers
Not every insurance provider offers identical rates for non-owner car insurance. It’s wise to compare quotes from various providers to find the most favorable option.
Choose The Right Coverage
The majority of non-owner car insurance policies offer liability coverage, which pays for damages in case of an accident for which you’re liable. Depending on your preferences and the insurance company, you may have the option to add extra coverages like uninsured motorist protection or medical payments. Make sure to select a policy that aligns with your individual needs.
Purchase Your Policy And Obtain Proof Of Insurance
When you’ve chosen a policy, you can usually purchase it online or via phone. After the purchase, you’ll quickly obtain proof of insurance, often sent through email. If required, your provider can also file an SR-22 on your behalf.
How Non-Owner Insurance Rates In Oklahoma Compare To Rates In Other States
It’s quite surprising that Oklahoma’s average yearly non-owner car insurance rate is just $170, below the national average of $353.
Here’s how it stacks up in the 12 most populated states:
| State | Average Annual Premium |
| North Carolina | $937 |
| Florida | $770 |
| New York | $590 |
| Michigan | $585 |
| Texas | $419 |
| Illinois | $396 |
| Georgia | $384 |
| National Average | $353 |
| Pennsylvania | $348 |
| California | $323 |
| Ohio | $241 |
FAQs
Do you need car insurance if you don’t own a car in Oklahoma?
Yes, you need car insurance in Oklahoma, even if the car isn’t yours. Non-owner car insurance is for individuals who frequently drive borrowed or rented vehicles, offering liability coverage for any accidents they may cause while driving.
Can I buy auto insurance for someone else’s car in Oklahoma?
Absolutely, you’re able to acquire auto insurance for another person’s car in Oklahoma. However, it’s not as simple as getting insurance for your own car. Insurers usually prefer there to be a connection between the policyholder and the vehicle, such as co-ownership or frequent driving.
Who offers the cheapest non owners car insurance in Oklahoma?
From our research, Kemper emerges as the provider with the cheapest non-owner car insurance rates in Oklahoma.
