Oklahoma Average Cost of Car Insurance Rates (2023)

How Much Does Car Insurance Cost In Oklahoma?

On average, car insurance rates for drivers in Oklahoma are $203 per month, and $2432 per year. The average rates make Oklahoma the 27th most expensive state in the country for car insurance rates and 10% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Oklahoma Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Oklahoma and has selected the following providers and quotes as the best rates for drivers in Oklahoma.

Oklahoma Car Insurance Rates by City

For drivers in Oklahoma, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Oklahoma.

What Is the Average Cost of Car Insurance in Oklahoma by Age?

As is the case in most states, the teenagers in Oklahoma pay the most for car insurance—a whopping $367 per month to be exact. Luckily, prices will trend closer to the state average once you reach your 20s, with this age group paying $233 per month.

Once drivers hit their 30s in Oklahoma, their average rates go even lower. They hit their lowest for drivers in their 60s, who pay only $160 per month—more than $40 below the state average for car insurance.

What Is the Average Cost of Car Insurance in Oklahoma by Gender?

At $211 per month, men in Oklahoma pay $14 more than women do, which is a fairly minor difference in car insurance rates.

Does Marital Status Influence the Average Cost of Car Insurance in Oklahoma?

Don’t get married in Oklahoma thinking it will save you money on car insurance. Married Oklahoma drivers pay only $3 less per month than single drivers, which is a minimal difference. At $201 per month, married drivers pay only $2 below the state average.

Minimum Car Insurance Requirements in Oklahoma

All motor vehicles operated or parked on Oklahoma roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Oklahoma^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Oklahoma is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

How Does Credit History Affect Oklahoma Car Insurance Rates?

Oklahoma allows car insurance companies to consider your credit score when determining your car insurance rates. So it’s a surprise to realize that drivers with an excellent credit history actually pay $10 more, on average, than those with a poor credit history. Those with an average or good credit history pay a similar amount at $196 per month and $200 per month, respectively.

What Is the Average Cost of Car Insurance in Oklahoma for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Oklahoma will pay $29 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $48. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies