Oklahoma Car insurance calculator

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If you drive in Oklahoma, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Oklahoma car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Oklahoma, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in Oklahoma

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Updated with latest data

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*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.

Does your vehicle model affect car insurance rates in Oklahoma?

A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For example, full coverage for a Honda Accord LX costs $2,516 per year, while the average premium for a Honda CR-V in Oklahoma is $2,122 – a difference of $394.

Does your car’s model year affect insurance rates in Oklahoma?

In Oklahoma, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $4,354, compared to $2,455 for the 2024 model.

Quick tip: Know your state’s minimum insurance requirements before you buy

Car insurance requirements vary by state. In Oklahoma, you must have at least the minimum liability coverage to drive legally. This typically includes:

Bodily injury liability per person and per accident
Property damage liability

These limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in Oklahoma can result in fines, license suspension or vehicle impoundment.

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

Edmond

Tulsa

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How your car’s trim affects insurance rates in Oklahoma

In Oklahoma, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Oklahoma costs $4,354 per year. On the other hand, the Honda Accord EX-L trim costs $3,764 annually to insure – a difference of $590.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

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How much drivers pay for car insurance in Oklahoma

In Oklahoma, the average cost of full-coverage car insurance is $2,705 per year or $225 per month. Your premium may be higher or lower depending on your chosen coverage limits.

Below, you’ll find estimated costs for different coverage levels in Oklahoma, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,705	$225
Liability Only – 50/100/50 BI/PD	$734	$61
State Minimum BI/PD	$452	$38
Non-Owners	$291	$24

Car insurance costs in Oklahoma by city

Car insurance rates in Oklahoma vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Warr Acres pay $3,094 annually for full coverage, while those in Enid pay closer to $2,397 per year.

Top 20 cities with cheapest car insurance rates in Oklahoma

City	Avg. Annual Premium	Avg. Monthly Premium
Enid	$2,397	$200
Covington	$2,420	$202
Bessie	$2,445	$204
Arapaho	$2,447	$204
Ringwood	$2,449	$204
Garber	$2,450	$204
Cache	$2,451	$204
Perry	$2,453	$204
Weatherford	$2,453	$204
Clinton	$2,461	$205
Manitou	$2,462	$205
Texhoma	$2,462	$205
Corn	$2,463	$205
Lucien	$2,464	$205
Guymon	$2,466	$205
Meno	$2,468	$206
Meers	$2,470	$206
Drummond	$2,472	$206
Fairview	$2,474	$206
Goodwell	$2,476	$206

Top 20 cities with most expensive car insurance in rates Oklahoma

City	Avg. Annual Premium	Avg. Monthly Premium
Warr Acres	$3,094	$258
Tulsa	$2,997	$250
Del City	$2,988	$249
Oklahoma City	$2,987	$249
Spencer	$2,958	$247
Midwest City	$2,955	$246
Bethany	$2,947	$246
Turley	$2,933	$244
Choctaw	$2,878	$240
Edmond	$2,876	$240
Moore	$2,865	$239
Wheatland	$2,862	$239
Arcadia	$2,858	$238
Newcastle	$2,856	$238
Luther	$2,854	$238
Fort Towson	$2,842	$237
Antlers	$2,840	$237
Rattan	$2,836	$236
Broken Bow	$2,835	$236
Watson	$2,834	$236

Want to know what you’ll pay? Use our Oklahoma car insurance calculator

Our car insurance calculator for Oklahoma factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal.

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Washington, D.C.$3,394/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

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.

On this page

How to use our car insurance calculator to estimate your rates in Oklahoma
Does your vehicle model affect car insurance rates in Oklahoma?
Does your car's model year affect insurance rates in Oklahoma?
How your car's trim affects insurance rates in Oklahoma
How much drivers pay for car insurance in Oklahoma
Car insurance costs in Oklahoma by city
Want to know what you'll pay? Use our Oklahoma car insurance calculator

Oklahoma car insurance calculator