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.
This guide makes buying car insurance in Oklahoma easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Oklahoma works and how much coverage 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?
CarInsurance.com data found that drivers in Oklahoma pay $178 monthly 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, the cost of car insurance can vary depending on how much coverage you purchase. Oklahoma drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Oklahoma, but it doesn’t offer adequate 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.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Oklahoma for three different coverages.
| 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 coverage in Oklahoma costs $408 a year but doesn’t provide much protection for drivers. Oklahoma drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Oklahoma must be aware of the minimum car insurance requirements to remain legally 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
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
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Oklahoma by car model
Car insurers in Oklahoma use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
See how much you’ll pay for car insurance for your specific 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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Oklahoma drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,079 annually.
Drivers aged 16-19 pay $4,647 more for car insurance than Oklahoma drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,079 annually in Oklahoma.
- For senior drivers: Drivers aged 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Oklahoma can increase your premiums by up to 43% because insurers see you as a risky 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
In Oklahoma, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Oklahoma
In Oklahoma, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
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 priciest city in Oklahoma for car insurance, costing an average of $2,478 annually. On the other hand, Vera is the most affordable city, where drivers pay an average of $1,970 per year for car insurance.
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.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall 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?
In Oklahoma, a full coverage car insurance policy with 100/300/100 limits typically costs about $178 per month.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Oklahoma.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
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.
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