Car Insurance After a DUI in Oklahoma: Cheapest Companies & Rates (2026)
A DUI in Oklahoma increases car insurance rates by an average of 86%, raising a typical full coverage policy from $2,226/year to $4,140/year. That's an increase of $1,914/year ($160/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Oklahoma
Before DUI
$186/mo
$2,226/year full coverage
After DUI (+86%)
$345/mo
$4,140/year full coverage
Cheapest Companies After DUI in Oklahoma
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $255/mo | $3,064/yr | Military families |
| Erie Insurance | $273/mo | $3,271/yr | Rate lock guarantee |
| GEICO | $283/mo | $3,395/yr | Clean driving record |
| Progressive | $304/mo | $3,643/yr | Telematics savings |
| State Farm | $314/mo | $3,767/yr | Good students |
| Travelers | $328/mo | $3,933/yr | Multiple discounts |
| Nationwide | $359/mo | $4,306/yr | Bundling home + auto |
| Farmers | $373/mo | $4,471/yr | Signal telematics |
| Allstate | $386/mo | $4,637/yr | Accident forgiveness |
| Liberty Mutual | $407/mo | $4,885/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Oklahoma, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes
DUI Legal Consequences in Oklahoma
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Oklahoma
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Oklahoma
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $345/mo | +86% |
| Year 1 | $329/mo | +77% |
| Year 2 | $305/mo | +65% |
| Year 3 | $265/mo | +43% |
| Year 5 | $217/mo | +17% |
| Year 7 | $186/mo | Normal |