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Car insurance in Oklahoma City costs $2,373 per year for full coverage – $198 monthly. In 2024, Progressive offers the cheapest car insurance policy at $117 per month.

Oklahoma City is the eighth-largest metro area in the nation, at 1.4 million people. If you are moving to Oklahoma City — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in Oklahoma City that will provide the coverage you need.

Key Takeaways

  • Full-coverage car insurance in Oklahoma City costs an average of $2,373 per year, higher than the nationwide average of $1,895.
  • The cheapest car insurance company for a full-coverage policy in Oklahoma City is Progressive, at $117 monthly.
  • Car insurance rates in Oklahoma City are slightly higher than the statewide average of $2,138 per year.

How to find the best car insurance in Oklahoma City

With the right tools and a little work, you can find the best car insurance policy in Oklahoma City that marries the coverage you need with a cost you can afford. 

Before shopping for car insurance, determine the type of policy you need, including the amount of coverage necessary to protect yourself. Make sure you get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford.

Cheapest car insurance company in Oklahoma City

Progressive provides the cheapest car insurance in Oklahoma City, according to the most recent available data. It costs an average of $1,402 annually to purchase a full-coverage policy from Progressive. The next cheapest car insurance companies are USAA and Geico, but USAA is only available to military community members and their families.

See other cheap car insurance rates in Oklahoma City in the table below.

Average annual rates from insurers in Oklahoma City

Company Average annual rates for state minimum Average annual rates for full coverage
Mercury Insurance$422$2,495
State Farm$429$1,935
AFR Insurance$521$2,499
Shelter Insurance$573$2,402
Oklahoma Farm Bureau$813$3,625

How much is car insurance in Oklahoma City per month?

Oklahoma City residents can expect to pay an average of $198 per month in full coverage car insurance costs, or $44 per month for the state minimum coverage.

Of course, some drivers pay less than this average, while others pay more. Factors that determine how much you pay for car insurance include the insurance company you choose and the amount of coverage you need. 

Other factors — including your age and gender, the type of car you drive, and your history of accidents and violations — also influence car insurance costs.  

Monthly rates for car insurance in Oklahoma City, Oklahoma

Company Average monthly rates for state minimum Average monthly rates for full coverage
Mercury Insurance$35$208
State Farm$36$161
AFR Insurance$43$208
Shelter Insurance$48$200
Oklahoma Farm Bureau$68$302

How do rates in Oklahoma City compare to other large cities in the U.S.?

The cost of coverage in Oklahoma City is roughly in line with other major cities. Oklahoma City drivers pay more than other Oklahoma drivers – the statewide rate is $2,138 annually, compared with Oklahoma City’s $2,373.

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

Full-coverage car insurance costs in major U.S. metropolitan areas

CityFull-coverage cost
Los Angeles$3,149
New York$2,600
San Antonio$2,181
San Diego$2,324
San Jose$2,406
Las Vegas$2,594
El Paso$2,112
Fort Worth$2,030
Oklahoma City$2,373
San Francisco$2,777

Here’s what you need to know when driving in Oklahoma City

As with any major metro area, Oklahoma City has its fair share of traffic issues. But it ranks much better than many other major cities for time lost in traffic. 

In 2022, drivers in Oklahoma City lost an average of 14 hours in traffic, according to INRIX, which looks at traffic patterns. That makes Oklahoma City the 102nd most-congested city in the U.S. 

If you are driving in the Oklahoma City area during rush hour, you can expect to spend an extra 14 minutes in traffic, according to the website CoPilot. That places Oklahoma City at No. 44 among all cities in the nation when it comes to losing time due to rush hour. 

Other things to remember when driving around Oklahoma City:

  • Speed limits in Oklahoma City are typically 25 mph on residential streets, or 65 mph on urban interstates. 
  • Oklahoma has an extensive network of 11 toll roads. The Turner Turnpike connects the state’s largest cities, Tulsa and Oklahoma City. 
  • There are more than 240 electric vehicle chargers in Oklahoma City. The city is making plans to install more chargers so that no one has to drive more than 50 miles to recharge. 

How much car insurance do I need in Oklahoma City?

Oklahoma law requires you to purchase a minimum amount of liability car insurance coverage. These amounts are: 

  • $25,000 of bodily injury per person
  • $50,000 of bodily injury per accident
  • $25,000 of property damage protection

This is often known as “20/50/25” coverage.

However, these minimum levels of coverage will not be adequate for most drivers. 

Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. In addition, liability insurance does not cover you or your car. 

That means drivers also might be interested in going beyond the minimums and protecting their own vehicles by purchasing insurance beyond the minimum, such as comprehensive and collision coverage. 

If you are unsure of how much coverage you need, consult with an insurance agent who can help. 

Average cost of car insurance in Oklahoma City

The average cost of full-coverage car insurance in Oklahoma City is $2,373 annually. That compares to a statewide average of $2,138 and a nationwide average of $1,895. 

Annual average rates in Oklahoma City for state minimum coverage and full coverage

State minimum coverage in Oklahoma CityAnnual full coverage rates in Oklahoma City

How much does car insurance in Oklahoma City cost with violations?

Moving violations on your driving record are likely to push your car insurance rates higher. 

“Driving violations that generate points on your driving record can increase your auto insurance rates,” says Robert Passmore, APCIA department vice president, personal lines with the American Property Casualty Insurance Association. “These violations vary by state but could include speeding, running a red light, DUI or impaired driving, and other moving violations.” 

Violations such as speeding tickets often cause a significant but manageable rise in rates. 

Other types of violations can make rates climb much higher. This is particularly true if you are convicted of a DUI. 

See rate increases in Oklahoma City in the table below by violation.

Violation typeRate increase percentage
At-fault accident64%
Bad credit77%

Cheapest car insurance in Oklahoma City by age

Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. The oldest drivers also are likely to pay more. See how much you can expect to pay by age in the table below.

Annual rates for state minimum and full coverage car insurance in Oklahoma City, by age

AgeState minimum coverageFull coverage

Compare auto insurance rates in Oklahoma City by ZIP code 

Where you live also plays a role in how much you pay for car insurance. Here are the Oklahoma City area ZIP codes with the cheapest and most expensive car insurance rates. 

See the tables below for the cheapest and most expensive ZIP codes for car insurance in Oklahoma City. 

Cheapest annual car insurance rates in Oklahoma City, by ZIP code 

ZIP codeAverage annual rate

Most expensive annual car insurance rates in Oklahoma City, by ZIP code 

ZIP codeAverage annual rate

Our recommendations: Car insurance for drivers in Oklahoma City

If low prices are your top focus when shopping for car insurance, Progressive might be your best choice. It has the lowest average rates in our survey. 

However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. 

Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. 

A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Oklahoma City.


What our expert says

Q. How can you save money on car insurance?

Robert PassmoreAPCIA department vice president, personal lines with the American Property Casualty Insurance Association.
Find out if your insurer offers a telematics policy that rewards safer driving habits with reduced premiums.

Resources & Methodology


CoPilot. “Cities That Lose the Most Time in Rush Hour Traffic.” Accessed February 2024.

Hertz. “Oklahoma state driving guide.” Accessed February 2024.

INRIX. “Inrix 2022 Global Traffic Scorecard.” Accessed February 2024.

INRIX. “Oklahoma City OK.” Accessed February 2024.

Oklahoma City Convention & Visitors Bureau. “Oklahoma City Facts.” Accessed February 2024.

Oklahoma Insurance Department. “Auto Insurance: Common Myths.”  Accessed February 2024.


In 2024, commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

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Chris Kissell
Contributing Researcher


Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.