Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Oklahoma Average car insurance cost in Oklahoma In Oklahoma, a full-coverage car insurance policy will cost you an average of $2,705 annually or $225 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Oklahoma, you can expect to pay an average of around $225 per month for full coverage car insurance, or $2,705 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $38 monthly or $452 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,705 / Year Average per month cost $225 Average cost for state minimum coverage $734 / Year Cheapest car insurance company GEICO$2,066 / Year Average cost for young drivers $4,346 / Year Average cost for Senior drivers $2,540 / Year 012345 1 of 6 Average car insurance cost in Oklahoma Drivers in Oklahoma generally pay an average of $225 per month or $2,705 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $38 or $452 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in OklahomaGEICO provides the lowest full coverage rates, for an average cost of $2,066 per year or $172 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Progressive also offers affordable insurance coverage to Oklahoma drivers at an average cost of $2,341 a year or $195 per month.Although these insurers offer some of the most affordable average rates in Oklahoma, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in Oklahoma Graph Table Company nameAverage per month costAverage annual costGEICO$172$2,066Progressive$195$2,341Shelter Insurance$206$2,475AFR Insurance$223$2,671Mercury Insurance$239$2,871State Farm$246$2,946Farmers$252$3,020Allstate$288$3,457Oklahoma Farm Bureau$322$3,866USAA*$129$1,542*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Oklahoma car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Oklahoma Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Oklahoma Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$958/year Full Coverage$2,496/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in OklahomaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $38 per month, or $452 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Oklahoma, the average cost for full coverage is $225 per month, or $2,705 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$452Liability only$734Full coverage$2,705Non-owner state minimum liability$291Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Oklahoma by citySee rates in your cityEdmondTulsa Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Oklahoma by cityWhere you live in Oklahoma can have a big impact on your car insurance rates.If you’re located in cities like Tulsa, Oklahoma City, or Midwest City, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Enid and Lawton tend to pay much lower insurance premiums, between $2,397 and $2,577 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costEnid$2,397Lawton$2,577Stillwater$2,648Norman$2,777Broken Arrow$2,810Moore$2,865Edmond$2,876Midwest City$2,955Oklahoma City$2,987Tulsa$2,997Powered by:Average car insurance cost in Oklahoma by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Oklahoma for a full coverage policy based on your age and gender.Average car insurance cost in Oklahoma for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Oklahoma pay an average of $5,929 per year for car insurance, while females of the same age pay $4,939.But by the time you turn 25, insurance premiums drop to $3,249 a year on average for male drivers and $3,024 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,929$4,93921$4,986$4,20822$4,497$3,90523$4,076$3,64124$3,821$3,446Powered by:Average car insurance cost in Oklahoma for adult driversOn average, an adult male driver in Oklahoma pays $2,733 a year for full coverage or $228 per month. Women pay $2,664 a year or $222 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,249$3,02430$2,921$2,84635$2,831$2,77940$2,718$2,69245$2,692$2,66850$2,561$2,53155$2,497$2,42660$2,437$2,373Powered by:Average car insurance cost in Oklahoma for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,418 per year, while women pay $2,356. But by age 70, average premiums rise to $2,574 for men and $2,471 annually for women. At 75, rates increase even further – $2,798 for male drivers and $2,625 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,418$2,35670$2,574$2,47175$2,798$2,625Powered by:Minimum car insurance requirements in OklahomaWhether you’re purchasing a policy for the first time or relocating to Oklahoma, it’s important to understand the state’s liability coverage requirements.Drivers in Oklahoma must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in OklahomaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda HR-V tops the list for cheapest car to insure in Oklahoma at an average cost of $2,110 a year, followed closely by Hyundai Venue at $2,115 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHonda HR-V$2,110Hyundai Venue$2,115Honda CR-V$2,122Chevrolet Trax$2,140Mini Cooper Electric$2,175Volkswagen Tiguan$2,176Chevrolet TrailBlazer$2,180Chevrolet Express$2,185Kia Sportage$2,185Mazda CX-5$2,187Powered by:Most expensive cars to insure in OklahomaMaserati Quattroporte is one of the most expensive vehicles to insure in Oklahoma, with an average annual cost of $9,357.Below is a list of the costliest vehicles to insure in Oklahoma and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$9,357Maserati Ghibli$8,341BMW M8 Gran Coupe$6,546Audi RS7$6,387Audi S8$6,334Audi RS Q8$6,174Nissan GT-R$6,160BMW X6 M$6,019Mercedes-AMG G63$5,927Porsche 911 Turbo$5,922Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in OklahomaCheapest car insurance companies in OklahomaAverage cost of car insurance by coverage levels in OklahomaAverage car insurance cost in Oklahoma by cityAverage car insurance cost in Oklahoma by ageMinimum car insurance requirements in OklahomaCheapest cars to insure in OklahomaMost expensive cars to insure in OklahomaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330