Average Car Insurance Cost in Oklahoma (2024)

Drivers in Oklahoma pay an average of $146 per month for car insurance.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated May 23, 2024

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Cheapest recent rates in Oklahoma

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $63/mo for full coverage in Oklahoma.

*Quotes generated for Insurify users from Oklahoma within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Oklahoma within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Oklahoma drivers pay an average monthly car insurance rate of $91 for liability-only coverage and $201 for full coverage, slightly less than the national averages of $104 for liability coverage and $215 for full coverage.

Oklahoma’s car insurance costs are less than the average rate nationwide likely thanks to its comparatively small population.[1] While Oklahoma’s auto insurance may be cheaper, your rates will depend on your policy type, city, age, and more.

To ensure you get the best rate for your needs, it’s important to compare car insurance quotes from multiple insurers before choosing a policy.

Quick Facts
  • Car insurance in Oklahoma costs an average of $1,754 per year.

  • Oklahoma is an at-fault state for car insurance.

  • Enid drivers pay some of the cheapest rates in Oklahoma.

Find Cheap Car Insurance in Oklahoma

Liability rates start at $34 per month

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What’s the average cost of car insurance in Oklahoma?

The average monthly cost of car insurance in Oklahoma is $91 for liability-only car insurance and $201 for full-coverage car insurance.

State Farm, USAA, and Allstate offer the cheapest rates, on average. Keep in mind that personal factors will influence your insurance premium.

The table below illustrates average monthly liability-only and full-coverage quotes by insurance companies.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
State Farm3463
USAA4279
Allstate4787
Safeco53135
Mercury68137
GEICO68126
Farmers72134
Progressive76142
Clearcover77156
National General80161
Liberty Mutual89228
CSAA89188
Direct Auto91157
Midvale Home & Auto99208
Shelter101188
GAINSCO103242
The General106226
Hallmark119259
Foremost134273
Bristol West148307
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Oklahoma car insurance rates by city

If you live in a high-risk city in Oklahoma, you’ll likely see your auto insurance premiums increase.

High-risk cities typically have large populations, increased accident and crime rates, or severe weather. For example, Oklahoma City, Tulsa, and Norma are some of the largest cities in Oklahoma, and as a result, drivers in those areas often pay the highest rates.[2]

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Ardmore$83$229
Bartlesville$82$175
Enid$80$163
Lawton$90$191
Muskogee$85$153
Norman$98$212
Oklahoma City$114$221
Ponca City$87$207
Stillwater$90$163
Tulsa$111$230
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Oklahoma car insurance rates by age

Your age has an effect on the likelihood you’ll file a claim.

For instance, younger drivers tend to have little or no experience on their driving record. In addition, they’re more likely to engage in risky and distracted driving. As a result, drivers younger than 25 may see expensive average annual rates, with teen drivers paying the highest.

On the flip side, insurance costs start to decrease as you gain experience behind the wheel. Senior drivers are an exception to this rule. Due to reduced physical functions that impair driving abilities, insurers see older drivers as a greater risk to insure. As a result, people in their 70s and 80s may see their insurance costs rise.

Rates by Age

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How gender affects car insurance rates in Oklahoma

Women and men may pay different rates on their insurance policy.

On average, women are more likely to practice safe driving, leading to fewer at-fault accidents, while men are more likely to engage in aggressive and risky driving. So, women typically pay less for car insurance coverage than men.

AgeMaleFemale
16$431$352
35$205$186
50$158$151
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your driving record affects car insurance rates in Oklahoma

If you have traffic violations on your driving record, you may pay higher rates for auto insurance than someone with a clean driving record.[3] Even a speeding ticket in Oklahoma can cause your liability insurance costs to increase.

The table below highlights how certain driving incidents can affect your rates in Oklahoma.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$91$201
With speeding ticket$139$307
With accident$137$304
With DUI$157$347
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Oklahoma car insurance rates by marital status

You may pay lower rates than single drivers if you’re married. Married couples are eligible for savings like marriage, multi-car, and bundling discounts, resulting in reduced costs on their car insurance policy.

Adding good drivers to your policy can lower your overall costs, but if your spouse has a poor driving history or credit score, adding them may increase your rates.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married $89$202
Single $93$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Oklahoma car insurance rates by credit tier

Oklahoma insurance companies can consider your credit history to determine how likely you are to file a claim.[4] You’ll likely get competitive rates if you have a good credit score. On the other hand, you’ll probably pay expensive rates if you have a poor credit score.

The table below highlights just how much your credit can affect your car insurance rates.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$82$185
Good$91$206
Fair$100$227
Poor$146$330
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Oklahoma car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Oklahoma.

  • What is the average cost of car insurance in Oklahoma?

    The average cost of car insurance in Oklahoma is $146 per month. You’ll pay an average of $91 per month for a liability-only policy and $201 per month a for full-coverage policy.

  • What is the cheapest car insurance in Oklahoma?

    Drivers can find the cheapest car insurance policies in Oklahoma through State Farm, with a monthly liability rate of only $34. USAA is the second-cheapest insurer in Oklahoma, with a monthly liability rate of $42. Allstate is the third-cheapest insurer in Oklahoma, with a monthly liability rate of $47.

    However, the cheapest insurance company for you may differ, so it’s important to compare car insurance quotes before buying a policy.

  • Do car insurance rates vary by county in Oklahoma?

    Yes. Population density, frequency of incidents, and weather conditions, among various factors, will affect your price. Your car insurance rates may increase if you live in a high-risk area.

  • What are the best auto insurance companies in Oklahoma?

    It depends. While Oklahoma’s cheapest car insurance companies are State Farm, Allstate, and USAA, the best company depends on your unique situation. Consider company offerings, discounts, quality of customer service, financial strength, and other factors to find the right car insurance.

  • What are the car insurance requirements in Oklahoma?

    Oklahoma is a tort state, meaning you’re responsible for the other driver’s medical bills if you’re at fault in a car accident. This also means you must carry the minimum bodily liability coverage of $25,000 per person and $50,000 per accident in bodily injury coverage, along with $25,000 per accident in property damage coverage.[5]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Statista. "State Population: United States 2022."
  2. World Population Review. "Oklahoma Cities by Population."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Oklahoma Insurance Department. "How Does Credit History Affect My Insurance Premium?."
  5. Oklahoma Insurance Department. "Auto Insurance: Common Myths."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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