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: September 10, 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 live in Oklahoma can expect to pay an average of $225 per month for full coverage car insurance – that’s $2,705 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $38 monthly or $452 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.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: Updated with latest data Oklahoma car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State Oklahoma Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $958/Year OR $80/month Full Coverage $2,496/Year OR $208/month Oklahoma Get Quote Get Quote 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 - + *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 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 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 cityEdmondTulsaAverage 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 ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Oklahoma, based on age and gender.Average car insurance cost in Oklahoma for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Oklahoma pays an average of $5,929 annually for car insurance, compared to $4,939 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,249 per year for male drivers and $3,024 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 annually for full coverage, or around $228 each month. Women in the same age group pay $2,664 per year or $222 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,418 annually, while women pay $2,356.By 70, average rates go up to $2,574 for men and $2,471 for women. At age 75, costs increase further, reaching $2,798 for men and $2,625 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 buying your first insurance policy or just moved to Oklahoma, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Oklahoma must carry at least the following minimum liability coverage: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 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 2023 car insurance data. Our team of data analysts and expert editors has 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 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:Young drivers aged 20-24Adult drivers aged 25-26Senior 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 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. You might find interesting Cheapest car insurance in OklahomaDo you need insurance to register a car in Oklahoma?How much car insurance costs in Oklahoma vs. TexasHow much is gap insurance in OklahomaNon-owner auto insurance in Oklahoma: Which company has the cheapest rates?Oklahoma car insurance calculatorThe best, cheapest car insurance in OklahomaBest and cheapest companies for home and auto bundles in Oklahoma Explore other insurance options in Oklahoma The best, cheapest car insurance in Oklahoma Average renters insurance cost in Oklahoma Average homeowners insurance cost in Oklahoma In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? Do you have to add a teenage driver to your car insurance policy? What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 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