Average Car Insurance Cost in Oklahoma (Annual and monthly Rates)

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If you are looking for auto insurance in Oklahoma, knowing how much it will cost is a promising idea. The average premium for car insurance in Oklahoma is $1,797 per year or $150 per month. While the national average is $1,682. There is a difference of $115 more between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Oklahoma, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in Oklahoma
Average annual cost $1,797	Average per month cost $150	Average cost for state minimum coverage $352 / Year
Cheapest car insurance company Geico ($1,087/ Year)	Average cost for young drivers $2,852 / Year	Average cost for Senior drivers $1,669 / Year

Key Takeaways

The average car insurance cost in Oklahoma is $1,797 per year, based on Insure.com’s analysis.
In Oklahoma, the average premium for car insurance is $150 per month.
Geico has the cheapest car insurance rates in Oklahoma, at an average annual rate of $1,087 a year.

Average car insurance cost in Oklahoma per month

In Oklahoma, the average premium for car insurance is $150 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Oklahoma, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Oklahoma is Geico. The average annual cost is $1,087 while the average cost per month is $91. The second-best option available is, USAA, offering insurance at an average per month cost of $92.

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

Company name	Average per month cost	Average annual cost
Geico	$91	$1,087
USAA	$92	$1,101
State Farm	$115	$1,378
Mercury Insurance	$127	$1,518
Shelter Insurance	$142	$1,707
Allstate	$151	$1,814
Farmers Insurance	$178	$2,138
Progressive	$204	$2,446
Oklahoma Farm Bureau	$220	$2,642

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in Oklahoma

The amount of coverage you purchase has an impact on how much car insurance costs in Oklahoma. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Oklahoma is $545.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Oklahoma is $1,797 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Oklahoma, the average annual cost for non-owner state minimum liability only is $218.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $352 per year in Oklahoma.

Coverage limits	Average annual cost
50/100/50 Liability Only	$545
100/300/100 Liability with $500 Comp/Coll Deductible	$1,797
Non-Owner State Minimum Liability Only	$218
State Minimum Liability Only	$352

Average car insurance cost in Oklahoma by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Oklahoma:

City	Average annual cost
Oklahoma City	$1,999
Tulsa	$1,994
Norman	$1,849
Broken Arrow	$1,879
Edmond	$1,865
Lawton	$1,719
Moore	$1,908
Midwest City	$2,005
Stillwater	$1,744
Enid	$1,669

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 age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Oklahoma is $2,852 while for seniors is $1,669. Here, the rate for young drivers is $1,183 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Oklahoma for young drivers

The average car insurance cost for female young drivers in Oklahoma is $2,639 per year or $220 per month and rate for a male young driver is $3,065 per year or $255 per month.

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
18	$6,475	$5,426
19	$4,412	$3,654
20	$4,012	$3,352
21	$3,304	$2,772
22	$2,915	$2,519
23	$2,653	$2,341
24	$2,443	$2,209
25	$2,209	$2,072

Average car insurance cost in Oklahoma for senior drivers

In Oklahoma, the cost of car insurance for senior female driver is $1,646 per year or $137 per month and cost of car insurance for male senior driver is $1,693 per year or $141 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,620	$1,583
70	$1,740	$1,695
75	$1,890	$1,781

Cheapest cars to insure in Oklahoma

Make	Model	Average annual premium
Ford	Transit Connect Titanium	$1,327
Mini	Cooper SE	$1,353
Kia	Seltos EX	$1,356
Mazda	CX-30 S	$1,364
Toyota	C-HR Limited	$1,365
Honda	HR-V EX	$1,375
Mazda	CX-5 S	$1,388
Hyundai	Venue SE	$1,390
Jeep	Compass High Altitude	$1,392
Volvo	XC40 T4 Inscription	$1,398

Most expensive cars to insure in Oklahoma

Make	Model	Average annual premium
Maserati	Quattroporte	$6,153
Maserati	Ghibli Modena	$5,204
Maserati	Ghibli GT	$5,021
Maserati	Levante Trofeo	$4,441
Maserati	Ghibli Trofeo	$4,422
BMW	M8 Competition XDrive	$4,401
BMW	M760i xDrive	$4,260
BMW	M5	$4,175
Tesla	Model S Plaid	$4,129
BMW	750xi	$4,095

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com gathered data with the help of Quadrant Information Services from major insurance companies across Oklahoma. The rates are based on the profile of a 40-year-old male who drives a Honda Accord LX with a clean record and full coverage policy.

The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and collision deductible. The numbers 100/300/100 represent $100,000 coverage for bodily injury per person, $300,000 in bodily injury per accident and $100,000 for property damage.