Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Oklahoma Average car insurance cost in Oklahoma The average premium for car insurance in Oklahoma is $2,138 per year or $178 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified 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. Understanding potential costs is essential when seeking auto insurance in Oklahoma. On average, car insurance in Oklahoma costs $2,138 annually or $178 monthly. This figure contrasts with the national average of $1,682, showcasing a variance of $243 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Oklahoma, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget.Summary of average car insurance cost in OklahomaAverage annual cost $2,138Average per month cost $178Average cost for state minimum coverage $408 / YearCheapest car insurance company Progressive($1,194 / Year)Average cost for young drivers $3,376 / YearAverage cost for Senior drivers $2,060 / Year Key Takeaways Based on Insure.com’s in-depth data analysis, car insurance in Oklahoma costs $2,138 per year.In Oklahoma, the average premium for car insurance is $178 per month.At $1,194 a year, Progressive has the cheapest car insurance rates in Oklahoma. Average car insurance cost in Oklahoma per monthIn Oklahoma, the average monthly rate for car insurance is $178.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Oklahoma, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in OklahomaAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Oklahoma is Progressive, with an average annual cost of $1,194 and a monthly average of $99. Following closely is Geico, providing coverage at an average monthly rate of $152.The following table lists additional car insurance companies operating in Oklahoma and their respective average monthly and annual costs.Company nameAverage per month costAverage annual costProgressive$99$1,194Geico$152$1,820State Farm$155$1,861Shelter Insurance$171$2,055AFR Insurance$172$2,063Mercury Insurance$186$2,237Allstate$225$2,699Farmers$226$2,717Oklahoma Farm Bureau$275$3,295USAA$121$1,447Read our guide to cheap car insurance companies Oklahoma car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Oklahoma Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,072/Year OR $173/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 extent of coverage you select determines car insurance costs in Oklahoma. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Oklahoma amounts to $657.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Oklahoma stands at $2,138.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Oklahoma, the average annual cost for non-owner state minimum liability coverage stands at $242.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $408 in Oklahoma.Coverage limitsAverage annual costState Minimum BI/PD$408Liability Only – 50/100/50 BI/PD$657Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,138Non-Owners$242Auto 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 cityBroken ArrowEdmondNormanOklahoma CityOklahoma CityTulsaAverage car insurance cost in Oklahoma by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Oklahoma:CityAverage annual costBroken Arrow$2,225Edmond$2,269Enid$1,996Lawton$2,009Midwest City$2,411Moore$2,271Norman$2,202Oklahoma City$2,373Stillwater$2,064Tulsa$2,339Average car insurance cost in Oklahoma by age of the driverAge 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 driversIn 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,541$3,86421$3,731$3,32222$3,467$3,08623$3,183$2,88024$2,989$2,738Average car insurance cost in Oklahoma for senior driversIn 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,968$1,92570$2,085$2,01275$2,255$2,114Read more about senior car insurance.Minimum car insurance requirements in OklahomaEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Oklahoma Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Oklahoma:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in OklahomaThe Kia Seltos has the most affordable average annual insurance premium, standing at $1,657. The Honda HR-V is followed closely at $1,659 per year. The difference in the cost of insuring these two models is $2 annually.MakeModelAverage annual premiumKiaSeltos$1,657HondaHR-V$1,659HyundaiKona$1,690MazdaCX-30$1,693MazdaCX-5$1,705HyundaiKona Electric$1,709ChevroletTrailBlazer$1,712JeepCompass$1,752VolkswagenTiguan$1,760ToyotaCorolla Cross$1,761Most expensive cars to insure in OklahomaThe most expensive car to insure on the list is the Maserati Ghibli Trofeo, which has an average annual premium of $7,341. However, the difference between the cheapest and most expensive cars to insure is $5,684 annually.MakeModelAverage annual premiumMaseratiGhibli Trofeo$7,341MaseratiQuattroporte Trofeo$7,040MaseratiQuattroporte$6,979AudiR8 Performance$6,527MaseratiGhibli$6,249BMWM8$5,325MercedesS Class$5,159AudiRS Q8$5,031BMWAlpina B8$5,002AudiS8$4,993MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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:The quoted insurance rates are for comparison purposes, and your individual rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Oklahoma Non-owner auto insurance in Oklahoma Average renters insurance cost in Oklahoma Average homeowners insurance cost in Oklahoma Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Oklahoma per monthCheapest 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 age of the driverMinimum car insurance requirements in OklahomaCheapest cars to insure in OklahomaMost expensive cars to insure in OklahomaMethodology ZIP Code Please enter valid ZIP See rates