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 30, 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’re in Oklahoma, your monthly cost for full coverage car insurance is $225, which adds up to $2,705 per year. For minimum coverage, expect to pay an average of $38 monthly, or $452 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 OklahomaIf 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 OklahomaYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $38 a month, or about $452 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Oklahoma pay around $225 per month, or roughly $2,705 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.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 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 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 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 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 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 25-60Senior 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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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