State Farm offers Oklahoma's cheapest non-owner car insurance at just $27 per month, below the state average of $33. Explore other affordable options in the table below.
Cheapest Non-Owner Car Insurance in Oklahoma
Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in Oklahoma: Key Takeaways
State Farm is Oklahoma's cheapest non-owner car insurance provider, with an average monthly cost of $27.
Non-owner insurance covers you when driving a car you don't own, as long as you meet Oklahoma's minimum coverage.
Consider non-owner insurance if you often borrow or rent a car or need to reinstate your license affordably.
Cheapest Non-Owner Car Insurance in Oklahoma
| State Farm | $329 | $27 |
| Progressive | $354 | $29 |
| GEICO | $389 | $32 |
| Farmers | $623 | $52 |
How Much Is Non-Owner Car Insurance in Oklahoma?
Oklahoma's average monthly non-owner car insurance cost is $33, less than the national average of $43. Your driving history will affect your premium.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Oklahoma Average Cost
Monthly Premium
$33Non-owner car insurance in Oklahoma is cheap:$10 saved
This is 23% less expensive.
Oklahoma Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers decide if non-owner insurance is right for them. It covers the basics, compares it to regular policies, outlines typical costs and highlights who benefits most.
What Is Non-Owner Car Insurance?
Non-owner car insurance is for those who often drive but don’t own a car. It covers costs if you cause an accident, paying for the other person’s expenses. Below, we’ve compared non-owner policies to standard ones so you can see how they stack up.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Oklahoma Allow Non-Owner Car Insurance?
Oklahoma permits the purchase of non-owner car insurance for those who drive but don't own a car.
OKLAHOMA MINIMUM INSURANCE REQUIREMENTS
Oklahoma's minimum coverage requirements apply to non-owner car insurance as well. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These minimums may not fully protect you in some cases. Assess how much coverage you need before purchasing a policy.
Should You Get Non-Owner Car Insurance in Oklahoma?
Non-owner insurance is ideal for occasional drivers who don’t own a car. It offers affordable protection when renting or borrowing vehicles, covering damage or injuries you may cause.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Oklahoma, as they may be scams. For short-term needs like moving or road trips, safer options include temporary coverage from car rental companies.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance covers car borrowers when driving a vehicle they don't own, providing financial protection for damage or injuries they cause while driving.
Occasional renters
Non-owner car insurance offers continuous coverage, potentially saving on rental company insurance fees and providing coverage for rental periods.
Drivers between cars
Non-owner insurance maintains continuous coverage, preventing future rate increases due to a coverage lapse.
License reinstatement-seekers
Drivers seeking to reinstate their license after suspension may need proof of insurance. Non-owner policies fulfill this requirement affordably without requiring car ownership.
Cheap Non-Owner Car Insurance in Oklahoma: Bottom Line
Oklahoma drivers can get non-owner car insurance. State Farm offers the most affordable plan, followed by Progressive and GEICO. To save even more, compare quotes from different providers.
Non-Owner Car Insurance in Oklahoma: FAQ
Find answers to common questions about non-owner car insurance in Oklahoma.
Which company offers the cheapest non-owner car insurance in Oklahoma?
State Farm offers Oklahoma's most affordable non-owner car insurance at $27 monthly.
How much does non-owners car insurance cost in Oklahoma?
Non-owner car insurance costs about $390 annually or $33 monthly in Oklahoma.
Oklahoma Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Oklahoma auto insurance rates by collecting data from the Oklahoma Insurance Department and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Oklahoma using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Oklahoma
To find the best and most affordable companies for non-owner car insurance in Oklahoma, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.