Speeding in Oklahoma can be costly. Not only do you risk getting into a speed-related accident, but there are several fines and costs associated with getting a speeding ticket. On top of these expenses, your car insurance premium may also increase. In fact, drivers who have a moving violation on their record typically pay a few-hundred dollars more on average than a driver with a clean record. Understanding the financial impacts of a speeding ticket in Oklahoma will help you navigate purchasing the best car insurance for your needs.

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Key takeaways
  • Oklahoma speeding tickets can be costly since drivers may be required to pay fines, court costs, and insurance premium increases.
  • The average full coverage premium increase for Oklahoma drivers after a convicted moving violation is $358 annually.
  • On average, however, drivers with a speeding ticket find the cheapest insurance through Oklahoma Farm Bureau and Equity Insurance.


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How much is a speeding ticket in Oklahoma?

There are two categories of speeding laws in Oklahoma:

  • Basic speeding law: Oklahoma drivers must drive at a “careful and prudent speed” under road circumstances and conditions. This means that drivers must always operate their vehicles at safe speeds no matter the posted speed limit.
  • Absolute limits: Under no circumstance can an Oklahoma driver exceed the posted speed limit.

Speeding violations can lead to a fine, jail time or both. For just a first offense, fines imposed can range up to $213 for a first offense. Potential fines based on your speed range from:

  • $172 for up to 10 mph over the limit
  • $203 for 11 to 19 mph over the limit
  • $213 for 20 mph or more over the limit

The maximum possible jail time can reach ten days for a first offense, 20 days for a second offense occurring within a year and six months for a third or subsequent offense that occurs within a year.

How much does a speeding ticket increase your car insurance in Oklahoma?

A conviction for speeding in Oklahoma will generally lead to a considerable increase in car insurance premiums. Since male drivers are typically viewed as higher-risk drivers than female drivers, the average annual premium for female drivers is typically less. However, both male and female drivers in Oklahoma can expect a significant premium increase after a speeding ticket conviction. In fact, the average full coverage increase for Oklahoma drivers is $358 annually.

Average annual full coverage premium before speeding a ticket conviction Average annual full coverage premium after a speeding ticket conviction Premium increase
Male $2,008 $2,369 $361
Female $1,987 $2,343 $356
State average $1,998 $2,356 $358
  • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit, a single speeding ticket and the following full coverage limits:
    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $100,000 uninsured motorist bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

    These are sample rates and should only be used for comparative purposes.

How to lower your car insurance after a speeding ticket in Oklahoma

Although a speeding ticket conviction will show on your driving record for a few years, you may be able to find ways to lower your insurance costs until the speeding violation is no longer on your driving record — even as a high-risk driver.

Get quotes from other car insurance companies

All automobile insurance companies examine a wide variety of factors in calculating premiums, and Oklahoma insurers are no different. It is always good practice to obtain quotes from several companies to ensure you are finding the best coverage at an affordable price.

This range in premiums becomes clear from the chart below. As you can see, the rate of increase varies significantly from carrier to carrier. On average, however, drivers with a speeding ticket conviction pay less through Oklahoma Farm Bureau and Equity Insurance.

Car insurance company Average annual full coverage premium before a speeding ticket conviction Average annual full coverage premium after a speeding ticket conviction Premium increase
Allstate $2,820 $2,991 $171
American Farmers & Ranchers Mutual $1,446 $1,938 $492
Equity Insurance $3,360 $3,479 $119
Farmers $1,350 $1,697 $347
Geico $1,003 $1,257 $254
Mercury $1,386 $1,915 $529
Oklahoma Farm Bureau $2,139 $2,186 $47
Progressive $1,905 $2,551 $646
Safe Auto $2,729 $3,367 $638
Shelter $2,677 $2,997 $320
State Farm $1,580 $1,806 $226
USAA $1,372 $1,731 $359

*Premiums are average annual full coverage premiums for 40-year-olds

You can use research resources to help you find the best coverage to meet your needs and at affordable prices. Determine the best levels of coverage to protect you and your family. Look for key aspects for various carriers including financial strength, available add-ons and discounts and reputation for customer service and claims handling.

Look for discounts

Pay close attention to the discounts that your insurance company offers. See how they compare to other carriers. Most carriers today offer some form of “bundling” discount if you cover both your home and auto with the same car insurance company. Similarly, discounts are often offered for insuring more than one vehicle with a single insurer.

Many other discounts may be available based on your location, the type of vehicle you drive, your age and even for opting for green options like paperless billing and automatic premium payment processes.

Are you able to adjust current coverages?

Like most states, Oklahoma law requires drivers to maintain certain minimum levels of liability coverage. While you must have at least these minimums, if you have an older, loan-free car, you might consider removing optional vehicle damage coverage.

Other speeding ticket considerations

Oklahoma has a mandatory point system, which impacts your driving privileges and your car insurance premiums. You may be assessed two points for speeding and three points if you are caught speeding 25 miles per hour above a posted limit. After a year passes with no citations, two points can be removed.

Frequently asked questions

    • There are many good auto insurance companies with years of experience in dealing with drivers with challenging driving records, including speeding. While drivers with tickets may find the best rates, on average, with Oklahoma Farm Bureau and Equity Insurance, every carrier is different. The best way to ensure you are getting the coverage you need at an affordable rate is to obtain quotes from several different insurance companies. On top of price, you can also review a company’s customer service ratings and claims process to see if they are the best fit for you.
    • Your insurance company will likely learn about the speeding violation at the time of your next renewal. Keep in mind that while a ticket on your driving record may likely increase your premium rate, you could also lose any discounts related to having a good driving record or no reported incidents, making your overall premium even higher.