Average Car Insurance Cost in Oklahoma (2024 Annual/Monthly Rates)

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If you want to secure auto insurance coverage in Oklahoma, know the associated costs. On average, premiums for car insurance in Oklahoma cost $2,138 per year or $178 monthly. While the national average is $1,895, highlighting a difference of $243.

Various factors influence car insurance rates, including age, gender, driving history, credit score, and location.

This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Oklahoma, and breaks down car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.

Average annual cost
$2,138

Average per month cost
$178

Average cost for state minimum coverage
$408 / Year

Cheapest car insurance company
Progressive($1,194 / Year)

Average cost for young drivers
$3,376 / Year

Average cost for Senior drivers
$2,060 / Year

Key Takeaways

Based on Insure.com’s analysis, car insurance in Oklahoma costs $2,138 per year.
Car insurance in Oklahoma costs $178 per month.
Progressive has the cheapest car insurance rates in Oklahoma, at an average annual rate of $1,194 a year.

Average car insurance cost in Oklahoma per month

In Oklahoma, the monthly rate for car insurance is $178.

This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Oklahoma, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.

Cheapest car insurance companies in Oklahoma

According to Insure.com’s rate analysis, Progressive offers the most affordable car insurance premiums in Oklahoma. The average annual cost is $1,194, or $99 per month. The second-best option available is GEICO, offering insurance at an average cost of $152 per month.

The table below lists the other available car insurance companies that offer car insurance in Oklahoma, along with their average cost per month and average annual cost.

Affordable car insurance providers in Oklahoma

Graph

Table

Company name	Average per month cost	Average annual cost
Progressive	$99	$1,194
GEICO	$152	$1,820
State Farm	$155	$1,861
Shelter Insurance	$171	$2,055
AFR Insurance	$172	$2,063
Mercury Insurance	$186	$2,237
Allstate	$225	$2,699
Farmers	$226	$2,717
Oklahoma Farm Bureau	$275	$3,295
USAA*	$121	$1,447

*USAA is only available to military community members and their families.

Read our guide to cheap car insurance companies

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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 2023 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.

Average cost of car insurance by coverage levels in Oklahoma

Car insurance rates in Oklahoma are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $657 per year in Oklahoma.

As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Oklahoma amounts to $2,138 per year.

If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Oklahoma, the average annual cost for non-owner state minimum liability coverage is $242.

For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $408 in Oklahoma.

1State minimum:$408

2Liability only:$657

3Full coverage:$2,138

4Non-owners:$242

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 city

Average car insurance cost in Oklahoma by city

Your car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.

The table below depicts the top popular cities in Oklahoma:

City	Average annual cost
Broken Arrow	$2,225
Edmond	$2,269
Enid	$1,996
Lawton	$2,009
Midwest City	$2,411
Moore	$2,271
Norman	$2,202
Oklahoma City	$2,373
Stillwater	$2,064
Tulsa	$2,339

Average car insurance cost in Oklahoma by age of the driver

Age plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Oklahoma, the average annual rate for young drivers is $3,376, whereas for seniors, it is $2,060. The rate for young drivers exceeds that of senior drivers by $1,316.

Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.

Average car insurance cost in Oklahoma for young drivers

In Oklahoma, the auto insurance premium for female young drivers averages at $3,178 annually, or $265 monthly, while male young drivers face a yearly rate of $3,579, or a monthly average of $298.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$4,541	$3,864
21	$3,731	$3,322
22	$3,467	$3,086
23	$3,183	$2,880
24	$2,989	$2,738

Average car insurance cost in Oklahoma for senior drivers

In Oklahoma, the annual car insurance cost for senior female drivers is $2,017 or $168 monthly. Similarly, male senior drivers face a yearly insurance cost of $2,103 per year, with a monthly average of $175.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,968	$1,925
70	$2,085	$2,012
75	$2,255	$2,114

Minimum car insurance requirements in Oklahoma

Every state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Oklahoma Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Oklahoma:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Personal property coverage per person: $25,000

Cheapest cars to insure in Oklahoma

Insurance costs are lowest for Kia Seltos owners, with an annual premium of $1,657. Honda HR-V follows closely at $1,659 per year. The difference in the cost of insuring these two models is $2 annually.

Make	Model	Average annual premium
Kia	Seltos	$1,657
Honda	HR-V	$1,659
Hyundai	Kona	$1,690
Mazda	CX-30	$1,693
Mazda	CX-5	$1,705
Hyundai	Kona Electric	$1,709
Chevrolet	TrailBlazer	$1,712
Jeep	Compass	$1,752
Volkswagen	Tiguan	$1,760
Toyota	Corolla Cross	$1,761

Most expensive cars to insure in Oklahoma

The Maserati Ghibli Trofeo, at an average annual premium of $7,341, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $5,684 annually.

Make	Model	Average annual premium
Maserati	Ghibli Trofeo	$7,341
Maserati	Quattroporte Trofeo	$7,040
Maserati	Quattroporte	$6,979
Audi	R8 Performance	$6,527
Maserati	Ghibli	$6,249
BMW	M8	$5,325
Mercedes	S Class	$5,159
Audi	RS Q8	$5,031
BMW	Alpina B8	$5,002
Audi	S8	$4,993

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed