Car insurance rates can vary significantly based on various factors, and a driver’s history is one of the most critical elements. For drivers in Oklahoma with a poor driving record, understanding how this affects their car insurance rates can be crucial for budgeting and finding affordable coverage.
In Oklahoma, common incidents that can contribute to a poor driving history include multiple traffic violations, accidents, DUI convictions, and other infractions. Drivers with these issues typically face higher premiums, as insurance companies view them as higher risk.
Factors Influencing Rates for High-Risk Drivers
Several elements go into determining car insurance rates for drivers with a poor driving history in Oklahoma:
- Type of Violations: Different types of violations carry different weight. For example, a DUI conviction will typically result in much higher premiums compared to minor speeding tickets.
- Frequency of Claims: If a driver has a history of frequently claiming insurance after accidents, insurers may raise their rates significantly.
- Time Since Last Violation: The amount of time since the last incident is also considered. Older violations may carry less weight than recent ones.
- Claims History: A history of multiple claims can flag a driver as high-risk, leading to increased rates.
Average Rates for Poor Drivers in Oklahoma
On average, drivers in Oklahoma with a clean record might pay around $1,200 annually for premium car insurance. However, those with a poor driving history could see their rates climb significantly. Here are some estimated figures:
- One Minor Violation: Might increase rates by about 20–30%.
- Multiple Minor Violations or One Major Violation: Can lead to a rate increase of 50% or more.
- DUI Conviction: Rates may leap by over 100%, costing drivers an average of $4,500 per year or more.
Ways to Lower Insurance Costs
While it can be challenging for drivers with poor driving records to find affordable insurance, there are options to consider:
- Shop Around: Different insurance companies assess risk differently. It's essential to compare quotes from various insurers.
- Consider Usage-Based Insurance: Some companies offer discounts for safe driving monitored through devices or apps.
- Take a Defensive Driving Course: Completing a state-approved defensive driving course can sometimes lead to lower premiums.
- Increase Deductibles: Opting for higher deductibles can lower monthly premiums, but it's important to ensure that you can afford the deductible in case of a claim.
- Maintain a Clean Record: Over time, maintaining a clean driving record helps recover from the effects of past violations.
Conclusion
In summary, drivers in Oklahoma with a poor driving history will face higher car insurance rates than those with clean records. Understanding the specifics of how violations impact premiums and exploring avenues for lower rates is essential. By taking proactive steps, even high-risk drivers can find ways to secure affordable insurance while working towards a better driving record in the future.
