How Much Is Car Insurance in Oklahoma? (2026)

How much is car insurance in Oklahoma?

The average cost of car insurance in Oklahoma is $169 per month for full coverage, or $2,028 per year. State-minimum coverage averages $83 per month, or $1,001 per year.

Oklahoma’s average car insurance rates are below the national average, and its lower population density and shorter commute times could be contributing factors. The state’s rates are also lower than in Texas, where increased litigation activity and severe storms may help explain rising premiums in recent years.^[1]

Still, Oklahoma car insurance is more expensive than in New Mexico, Arkansas, and Kansas.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$83	$1,001
Full coverage	$169	$2,028

Disclaimer: Table data is based on real-time Oklahoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Oklahoma

Under Oklahoma’s minimum car insurance requirements, every driver must carry liability insurance. Your policy must have at least the following coverage limits:^[2]

Coverage Type	Oklahoma Minimum Requirement
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000 per accident

Driving without insurance in Oklahoma is a misdemeanor. A conviction can result in a fine of up to $250, up to 30 days in jail, and a suspension of driving privileges.^[3]

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Cheapest car insurance companies in Oklahoma

The cheapest type of coverage in Oklahoma is state-minimum liability insurance, which only covers the injuries and vehicle damage you cause to other drivers. It doesn’t pay to repair or replace your own vehicle as full coverage does.

Although it’s more expensive, you may want to add full coverage, which includes comprehensive and collision coverage, to your insurance policy in Oklahoma. The state lies in Tornado Alley, and comprehensive coverage could help pay for repairs if a storm damages your vehicle.

Oklahoma’s insurance market is competitive, with more than 100 insurers writing auto policies in the state. The companies below offer the cheapest liability-only car insurance in Oklahoma.

The below rates in Oklahoma are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$39
USAA	$49
Progressive	$58
Mercury	$60
The General	$65
National General	$66
AssuranceAmerica	$74
Safeco	$75
GEICO	$78
Bristol West	$79
Farmers	$84
Root	$88
GAINSCO	$93
Allstate	$102
Direct Auto	$103
Shelter	$117
Liberty Mutual	$133
CSAA	$139

Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.

Average Oklahoma car insurance rates by city

Oklahoma City and Tulsa have the highest car insurance costs in the state, partly due to highway traffic. Oklahoma City sits at the crossroads of three major interstates — I-35, I-40, and I-44. Tulsa also sits along I-44, where a single stretch sees almost 150,000 vehicles daily.

Rates are also higher in Oklahoma City and Tulsa because they’re the state’s two most populous cities.^[4] Oklahoma City has about 720,000 residents, while Tulsa has 416,000. Compare that to Bartlesville and Enid — Oklahoma’s cheapest cities for car insurance. Bartlesville’s population is only 38,000, while Enid’s is 50,000.

More people and highway traffic can lead to more congestion, accidents, and higher insurance rates. The table below compares average car insurance quotes across major Oklahoma cities for both liability-only and full coverage.

The below rates in Oklahoma are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

City	Average Monthly Quote
Bartlesville	$96
Enid	$99
Ponca City	$101
Muskogee	$105
Stillwater	$106
Ardmore	$113
Lawton	$120
Norman	$123
Tulsa	$129
Oklahoma City	$142

Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.

Average Oklahoma car insurance rates by age

Your age is one of the biggest factors insurers consider when setting your rates. Young drivers in Oklahoma pay the highest car insurance rates, with an average liability rate of $156 per month. That’s largely because teen drivers have the highest crash rates, with about 25% of Oklahoma 16-year-olds either receiving a ticket or getting in a crash within the first year of driving.

Once you enter your 20s and 30s, though, rates typically start to decline. And senior drivers pay the lowest rates of any group, averaging $77 per month for liability coverage.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$156	$318
Adults (40s)	$83	$169
Seniors	$77	$158

Disclaimer: Table data is based on real-time Oklahoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Oklahoma

Insurers can typically look back only three years on your Oklahoma driving record. That said, they may be able to see more serious offenses for up to five years. An at-fault accident, speeding ticket, or DUI could raise your premium between 24% and 29% compared to a clean driving record.

Almost 4% of Oklahoma drivers have an accident on their record, according to Insurify data. If you cause a crash, you’re responsible for the damage since Oklahoma is an at-fault state. Luckily, Oklahoma law prevents insurers from raising your rate after an accident that wasn’t your fault.

Less than 1% of Oklahoma drivers have a DUI conviction. Fines and fees for a DUI arrest in Oklahoma can cost more than $10,000.

Driving Record	Average Monthly Quote in OK	% Increase Compared to Clean Driving Record
Clean driving record	$126	N/A
With speeding ticket	$162	29%
With accident	$161	28%
With DUI	$156	24%

Disclaimer: Table data is based on real-time Oklahoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Oklahoma?

Several factors affect your car insurance premium in Oklahoma:

• Tornado risk: Located in Tornado Alley, Oklahoma averages more than 50 tornadoes per year. Comprehensive coverage covers storm damage, so areas with more natural disasters can see higher insurance costs.

• Uninsured drivers: An estimated 26% of drivers in Oklahoma don’t carry insurance. Uninsured motorists raise the risk for everyone and drive up rates.

• Population density: Oklahoma is about 39% less densely populated than the national average, with only 58 people per square mile. Fewer people on the road can reduce the likelihood of accidents.

• Shorter commute times: The average commute time in Oklahoma is only 22 minutes, compared to the national average of 26. Less time driving often means a smaller crash risk.

• Market regulations: Oklahoma has a “use and file” rating law, which lets insurers set auto insurance rates without prior state approval. While this might mean less protection for consumers, it could also encourage a competitive insurance market.

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How Oklahoma car insurance rates have changed over the past five years

Oklahoma auto insurance premiums started rising in late 2022. The increases were driven partly by inflation and severe hail and windstorms, per the Oklahoma Insurance Department. Costs kept climbing through the first half of 2024 before finally tapering off toward the end of the year.

Insurers began cutting rates in mid-2025. That trend continued in 2026, with premiums falling more than 2% in the first half of the year. Oklahoma could see another 1% reduction by the end of 2026, according to Insurify’s American Driver Report.

How to lower car insurance costs in Oklahoma

Whether you’re shopping for a new policy or looking to lower your monthly premium, the strategies below can help you pay less for car insurance in Oklahoma:

• Compare quotes. Shopping for insurance coverage with several companies or agents can help you find the best price. You might also consider regional insurers, such as Oklahoma Farm Bureau Insurance and American Farmers & Ranchers Mutual Insurance Company.

• Complete an approved accident prevention course. Oklahoma law requires insurance companies to provide a discount for three years after you complete an approved course.

• Improve poor credit. Insurers can use your credit history when setting your rate in Oklahoma. In 2025, the average credit score in Oklahoma was 693, according to Experian data. Improving your credit could help lower your rate.

• Ask about discounts. Car insurance discounts vary by insurer, so make sure to factor them in when shopping for coverage. Many insurers offer discounts for safe drivers, good students, and bundling.

Oklahoma average car insurance cost FAQs