Car insurance costs in Oklahoma vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Progressive offers the cheapest annual rates for full coverage car insurance in Oklahoma at $1,194 annually.
We’ve compiled this detailed guide to help you choose the right car insurance in Oklahoma. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Oklahoma works and how much insurance you need.
- Progressive provides the most affordable annual rates for full coverage car insurance in Oklahoma, at $1,194 per year.
- In Oklahoma, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Oklahoma costs around $408 annually for limits of 25/50/25, while liability-only coverage costs $657 per year for limits of 50/100/50.
- In Oklahoma, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 29%, a DUI raising rates by 43%, and an at-fault accident by up to 52%.
How much is car insurance in Oklahoma?
According to CarInsurance.com data, drivers in Oklahoma pay about $178 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Oklahoma by coverage level
In Oklahoma, car insurance rates can differ depending on how much coverage you choose. Drivers in Oklahoma are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Oklahoma. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Oklahoma car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $34 | $408 |
| Liability Only – 50/100/50 BI/PD | $55 | $657 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $178 | $2,138 |
State minimum car insurance in Oklahoma
In Oklahoma, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum car insurance cost in Oklahoma is $408 a year. However, this basic coverage only offers limited protection. Oklahoma drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Oklahoma must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Oklahoma
According to CarInsurance.com data, liability-only car insurance costs $657 in Oklahoma for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Oklahoma
On average, premiums for full coverage car insurance in Oklahoma cost $2,138 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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Calculate the cost of car insurance in Oklahoma
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, people living in higher-risk neighborhoods of Oklahoma have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Oklahoma Car Insurance Rates by ZIP Code
Estimate car insurance in Oklahoma by car model
Oklahoma car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in Oklahoma.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Oklahoma
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Oklahoma, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $2,079 annually.
Car insurance for drivers aged 16-19 costs $4,647 more annually than Oklahoma drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,726 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,229 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,079 per year in Oklahoma.
- For senior drivers: Drivers age 65 and older can expect to pay $2,060 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Oklahoma
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Oklahoma, a DUI conviction often results in higher premiums and you may see an increase of up to 43% as insurers perceive you as a high-risk driver.
Similarly, if you get a speeding ticket in Oklahoma, you’ll likely see an increase in your car insurance premium by up to 29% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 29% increase
- DUI conviction: 43% increase
- At-fault accident (bodily injury and property damage): 52% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Oklahoma for high-risk drivers
High-risk drivers in Oklahoma pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Progressive | $1,949 |
| State Farm | $2,090 |
| USAA | $2,199 |
| Shelter Insurance | $2,718 |
| Geico | $3,458 |
| Oklahoma Farm Bureau | $3,597 |
| Allstate | $3,675 |
| Mercury Insurance | $4,201 |
| Farmers | $4,838 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Oklahoma
Drivers in Oklahoma can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Oklahoma by getting quotes from several insurers for comparison.
In the table below, see an overview of various car insurance companies in Oklahoma, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Progressive | $254 | $372 | $1,194 |
| Geico | $291 | $562 | $1,820 |
| State Farm | $289 | $500 | $1,861 |
| Shelter Insurance | $417 | $686 | $2,055 |
| AFR Insurance | $334 | $545 | $2,063 |
| Mercury Insurance | $343 | $564 | $2,237 |
| Allstate | $639 | $879 | $2,699 |
| Farmers | $641 | $1,133 | $2,717 |
| Oklahoma Farm Bureau | $619 | $934 | $3,295 |
| USAA | $268 | $408 | $1,447 |
Car insurance rates by city in Oklahoma
Warr Acres is the most expensive city in Oklahoma, with an average car insurance rate of $2,478 a year. Vera is the cheapest city for Oklahoma drivers at an average rate of $1,970 annually.
Car insurance costs differ from city to city in Oklahoma, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Oklahoma.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Progressive | $1,220 |
| USAA | $1,525 |
| Geico | $1,759 |
| State Farm | $1,864 |
| Shelter Insurance | $2,153 |
| Mercury Insurance | $2,181 |
| AFR Insurance | $2,520 |
| Allstate | $2,751 |
| Farmers | $2,945 |
| Oklahoma Farm Bureau | $3,448 |
How much does car insurance cost in Oklahoma per month?
The average cost of a full-coverage car insurance policy in Oklahoma costs $178 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $34 |
| Liability Only – 50/100/50 BI/PD | $55 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $178 |
Final thoughts on choosing car insurance in Oklahoma
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Oklahoma.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Oklahoma. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Oklahoma