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: December 18, 2025 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 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 Average car insurance cost in Oklahoma If you’re a resident of Oklahoma, full coverage car insurance typically costs about $225 per month, adding up to $2,705 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $38, or $452 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in OklahomaIf you’re looking for affordable insurance, GEICO tops the list of the cheapest car insurance companies. Its average annual cost is $2,066 per year or $172 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Progressive also provides affordable insurance rates in Oklahoma for a full coverage policy at an average annual insurance cost of $2,341 or $195 monthly.While these companies offer some of the lowest average premiums in Oklahoma, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. 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: 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 cityCar insurance rates can vary widely depending on where you live, even within Oklahoma.Cities like Tulsa, Oklahoma City, or Midwest City tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Enid or Lawton, with average annual premiums between $2,397 and $2,577.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Oklahoma for full coverage, depending on your age and gender.Average car insurance cost in Oklahoma for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Oklahoma, 20-year-old male drivers pay an average of $5,929 per year for car insurance, while their female counterparts pay $4,939 for the same coverage.However, by age 25, average car insurance costs drop to about $3,249 per year 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 driversAn adult driver aged 25-60 in Oklahoma pays $2,733 per year for full coverage, or $228 each month. Female drivers of the same age pay $2,664 annually or $222 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,418 per year, and women pay $2,356.By age 70, those averages increase to $2,574 for men and $2,471 for women. At 75, premiums rise again, reaching $2,798 for male drivers and $2,625 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 OklahomaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda HR-V has the lowest premium, at an average of $2,110 a year, closely followed by Hyundai Venue, with an average annual car insurance cost of $2,115.The table below shows the cheapest cars to insure and their average annual rates.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 tops the list as the most expensive car to insure in Oklahoma, at an average annual cost of $9,357. Below is a list of the most expensive vehicles to insure in Oklahoma and their average annual 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:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.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 limits Liability-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