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Understanding potential costs is essential when seeking auto insurance in Oklahoma. On average, car insurance in Oklahoma costs $2,138 annually or $178 monthly. This figure contrasts with the national average of $1,682, showcasing a variance of $243 from the state average.

You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location.

This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Oklahoma, and car insurance rates by age group.

It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget.

Summary of average car insurance cost in Oklahoma

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 Takeaways

  • Based on Insure.com’s in-depth data analysis, car insurance in Oklahoma costs $2,138 per year.
  • In Oklahoma, the average premium for car insurance is $178 per month.
  • At $1,194 a year, Progressive has the cheapest car insurance rates in Oklahoma.

Average car insurance cost in Oklahoma per month

In Oklahoma, the average monthly rate for car insurance is $178.

This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Oklahoma, it’s advisable to obtain quotes from multiple companies.

Cheapest car insurance companies in Oklahoma

According to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Oklahoma is Progressive, with an average annual cost of $1,194 and a monthly average of $99. Following closely is Geico, providing coverage at an average monthly rate of $152.

The following table lists additional car insurance companies operating in Oklahoma and their respective average monthly and annual costs.

Company nameAverage per month costAverage annual cost
Progressive$99$1,194
Geico$152$1,820
State Farm$155$1,861
Shelter Insurance$171$2,055
AFR Insurance$172$2,063
Mercury Insurance$186$2,237
Allstate$225$2,699
Farmers$226$2,717
Oklahoma Farm Bureau$275$3,295
USAA$121$1,447

Read our guide to cheap car insurance companies

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 Oklahoma

The extent of coverage you select determines car insurance costs in Oklahoma. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.

Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Oklahoma amounts to $657.

Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Oklahoma stands at $2,138.

Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Oklahoma, the average annual cost for non-owner state minimum liability coverage stands at $242.

Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $408 in Oklahoma.

Coverage limitsAverage annual cost
State Minimum BI/PD$408
Liability Only – 50/100/50 BI/PD$657
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,138
Non-Owners$242

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 city

Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.

The table below depicts the top popular cities in Oklahoma:

CityAverage annual cost
Broken Arrow$2,225
Edmond$2,269
Enid$1,996
Lawton$2,009
Midwest City$2,411
Moore$2,271
Norman$2,202
Oklahoma City$2,373
Stillwater$2,064
Tulsa$2,339

Average car insurance cost in Oklahoma by age of the driver

Age 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 drivers

In 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 driverAverage annual cost for Male driversAverage 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 drivers

In 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 driverAverage annual cost for Male driversAverage 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 insurance.

Minimum car insurance requirements in Oklahoma

Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Oklahoma Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits 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

The Kia Seltos has the most affordable average annual insurance premium, standing at $1,657. The Honda HR-V is followed closely at $1,659 per year. The difference in the cost of insuring these two models is $2 annually.

MakeModelAverage annual premium
KiaSeltos$1,657
HondaHR-V$1,659
HyundaiKona$1,690
MazdaCX-30$1,693
MazdaCX-5$1,705
HyundaiKona Electric$1,709
ChevroletTrailBlazer$1,712
JeepCompass$1,752
VolkswagenTiguan$1,760
ToyotaCorolla Cross$1,761

Most expensive cars to insure in Oklahoma

The most expensive car to insure on the list is the Maserati Ghibli Trofeo, which has an average annual premium of $7,341. However, the difference between the cheapest and most expensive cars to insure is $5,684 annually.

MakeModelAverage annual premium
MaseratiGhibli Trofeo$7,341
MaseratiQuattroporte Trofeo$7,040
MaseratiQuattroporte$6,979
AudiR8 Performance$6,527
MaseratiGhibli$6,249
BMWM8$5,325
MercedesS Class$5,159
AudiRS Q8$5,031
BMWAlpina B8$5,002
AudiS8$4,993

Methodology

The Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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:

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
Arizona$1,812/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maryland$1,746/Year
Maine$1,175/Year
Michigan$2,352/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oregon$1,678/Year
Pennsylvania$1,872/Year
Rhode Island$2,061/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Tennessee$1,677/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
Wyoming$1,758/Year
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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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