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 Insure.com's Editor | Updated on: April 7, 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 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed 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 TakeawaysBased 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 monthIn 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 OklahomaAccording 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 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$1,447 Read 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 OklahomaCar 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:$4082Liability only:$6573Full coverage:$2,1384Non-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 CityTulsaAverage car insurance cost in Oklahoma by cityYour 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: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 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 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 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 Read more about senior car insuranceMinimum car insurance requirements in OklahomaEvery 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.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 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.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 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.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow 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 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? 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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