Car insurance calculator for teens in Oklahoma

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.

Car insurance for teens in Oklahoma costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Oklahoma. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Oklahoma

AlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington, D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

Filter

Average annual rates for state teen drivers

$9,407 Average rate

$14,342 Highest
rate

$4,261 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Farmers	$14,342
Mercury Insurance	$13,645
Allstate	$13,402

Least expensive companies for auto insurance in ()

Company	Average annual rate
AFR Insurance	$4,261
State Farm	$6,046
USAA	$6,118

Average teen car insurance costs in Oklahoma

On average, insuring a teen driver in Oklahoma costs $6,726 per year for a policy with 100/300/100 coverage limits – that’s $100,000 for one person injured in an accident, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Because teens are new to the road, insurers view them as higher risk, which makes their premiums much steeper than those of adults.

Your rate may also change based on the coverage you select, the type of car your teen drives, and where you live. Families in Oklahoma can save money by asking about good student discounts, signing up teens for a driving course, or adding them to an existing family policy.

Teen car insurance costs in Oklahoma, by age

Premiums drop as teens gain experience. For example, a 16-year-old in Oklahoma with full coverage pays an average of $8,615 per year. By 19, the average rate is $4,675.

Though still higher than adult premiums, the steady decline shows how added years of driving lead to more affordable coverage.

See the table below for average teen car insurance costs in Oklahoma by age.

Average teen car insurance costs in Oklahoma, by gender

In most states, car insurance rates differ by gender, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit the practice. In Oklahoma, a 16-year-old male pays about $9,274 per year, compared to $7,965 for a female of the same age – a difference of $1,309.

According to the most recent data from the Insurance Institute for Highway Safety, a total of 3,048 teenagers ages 13-19 lost their lives in motor vehicle crashes in 2023, with two of every three teenagers who died in crashes in 2023 being males.

These crash trends help explain why teen boys usually face higher insurance costs than girls. Because young men are more likely to be in serious accidents, insurers factor that added risk into their rates.

The table below shows car insurance rates for teens by gender in Oklahoma.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Cheapest car insurance companies for teen drivers in Oklahoma

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

In Oklahoma, AFR Insurance offers the lowest rates for drivers ages 16-19, averaging $3,351 per year for full coverage with 100/300/100 limits and $500 deductibles for collision and comprehensive.

The second-cheapest option for teen drivers in Oklahoma is State Farm, with an average annual premium of $4,616.

The table below highlights the cheapest car insurance companies for teens in Oklahoma.

Minimum car insurance requirements for teens in Oklahoma

Like adults, teen drivers in Oklahoma must carry at least the state’s minimum liability coverage:

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

These minimums provide only basic protection, and medical care or repairs costs can quickly exceed them. That’s why many families choose higher coverage – especially when adding a teen driver.

Lenders will also require comprehensive and collision coverage if your car is financed or leased. These cover damage to your own vehicle after an accident, theft, or severe weather.

Smart ways to save on car insurance for your teen

From choosing the right car to asking about discounts, taking a few smart steps can make coverage more affordable while keeping your teen safe on the road.

• Estimate the cost of coverage. Look up what families typically pay for teen drivers in your state. Having that ballpark figure helps you budget ahead of time and spot whether the quotes you receive are higher or lower than average.
• Buy a safer vehicle. A safe, reliable sedan will cost much less to insure than a flashy sports car or a luxury vehicle.
• Buy a full coverage policy. Basic liability is cheaper, but many families choose higher coverage for teens to protect against the bigger risks of accidents, costly vehicle repairs, or injuries to others.
• Ask about discounts. Many insurers offer savings if your teen gets good grades, takes a defensive driving course, or drives fewer miles.
• Talk to your teen about the responsibility that comes with driving. Bring your teen into the insurance conversation so they see that driving isn’t just about freedom-it’s about responsibility. Talking openly about risks and safety can help them make better choices behind the wheel that could protect their life and others on the road.
• Review your rates each year: As your teen gains experience and maintains a clean driving record, insurance costs often go down-making it worth checking your policy annually.

Helping your teen start off safely on the road

Adding a teen to your policy will raise your rates at first, but those costs don’t stay high forever. With each year of safe driving, premiums generally go down.

You can lower expenses by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules – it’s about protecting your finances and giving your young driver a safe, confident start on the road.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

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.

You might find interesting

• Average car insurance cost in Oklahoma
• Do you need insurance to register a car in Oklahoma?
• How much car insurance costs in Oklahoma vs. Texas
• How much is gap insurance in Oklahoma
• Low-cost car insurance in Oklahoma
• Non-owner auto insurance in Oklahoma: Which company has the cheapest rates?
• Oklahoma car insurance calculator
• The best, cheapest car insurance in Oklahoma
• Best and cheapest companies for home and auto bundles in Oklahoma