120+ more*Quotes generated for Insurify users in and around Oklahoma City, Oklahoma within the last 10 days. Last updated on July 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Oklahoma City, Oklahoma within the last 10 days. Last updated on July 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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State Farm has the cheapest liability car insurance policies in Oklahoma City, on average.
Oklahoma City has some of the highest car insurance rates in the Sooner State.
OKC’s high vehicle theft rate (1,327 cars stolen in the first half of 2025) and highway congestion are key factors affecting insurance premiums.
Car insurance in Oklahoma City averages $95 per month for minimum coverage and $185 per month for full coverage.
Tulsa, the state’s second-largest city, has slightly lower premiums: $90 per month for minimum coverage and $165 per month for full coverage. Oklahoma car insurance is cheaper in smaller cities farther north of OKC, such as Bartlesville, Enid, and Stillwater.
Premiums in Oklahoma City are more expensive than elsewhere in the state for several reasons. The city’s 2025 traffic fatality rate was 19% above the national average, and Oklahoma County has recorded the most tornadoes in the state: 138 over the last 75 years.[1] [2]
The following table shows average monthly car insurance costs in Oklahoma City versus the state as a whole.
Car Insurance Costs in Oklahoma City vs. Oklahoma | Average Monthly Quote |
|---|---|
| Oklahoma City average | $140 |
| Oklahoma average | $126 |
OKC may be the most expensive city in the state for auto insurance, but it’s still possible to find cheap Oklahoma City car insurance if you shop around and choose the right insurer.
State Farm has the lowest average premiums for liability-only policies, at $39 per month.
You can find the cheapest full-coverage car insurance in Oklahoma City from State Farm, at a monthly average of $84.
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Keep the following tips in mind when driving in Oklahoma City:
Look for off-street parking. Off-street parking can help avoid theft, vandalism, and collisions. In downtown Oklahoma City, 25% of the central city is off-street parking, according to the Parking Reform Network.
Watch for bikers and the streetcar. An extensive streetcar network joins passenger vehicles on some of the city’s busiest streets. In addition, bikers share the road with drivers in the 25 miles of dedicated bike lanes throughout the city. In 2025, the Oklahoma City Council approved plans to add 7.2 additional miles of bike lanes.
Prepare for the weather. Oklahoma City gets an average of 37.6 inches of rain per year, roughly 29% above the national average. Further, drivers in Oklahoma City must be prepared for vehicle damage from major storms, including tornadoes.
Anticipate uninsured drivers. Up to 26% of vehicles on Oklahoma roads are potentially uninsured, according to data from the Oklahoma Uninsured Vehicle Enforcement Diversion (UVED) program.[3] This is one of the highest rates in the country. Adding uninsured/underinsured motorist coverage to your policy can better protect you on Oklahoma City roadways.
Oklahoma City has the second-highest vehicle theft rate in the state, at 88.6 thefts per 100,000 people, according to the National Insurance Crime Bureau (NICB). By comparison, the statewide average is 22 thefts per 100,000 people.
This higher theft rate contributes to OKC’s higher car insurance costs.
Oklahoma City is the most expensive city in the state for car insurance. This is due to the city’s large population, the convergence of several major highways, poor road conditions, a high vehicle theft rate, and a relatively high tornado rate compared to other cities in the state.
Premiums in Oklahoma City are roughly 18% higher than the average cost of car insurance in Oklahoma and 8% higher than the average cost of car insurance in Tulsa, the state’s second-largest city.
The table below shows how car insurance costs in Oklahoma City compare with those in other cities in the state.
City | Average Monthly Quote |
|---|---|
| Ardmore | $111 |
| Bartlesville | $111 |
| Enid | $101 |
| Lawton | $114 |
| Muskogee | $107 |
| Norman | $124 |
| Oklahoma City | $140 |
| Ponca City | $101 |
| Stillwater | $103 |
| Tulsa | $128 |
More than 700,000 people live in Oklahoma City, and the greater OKC area is home to 1.4 million residents. This makes Oklahoma City the most populous city in the state and also means more drivers are likely to be on the road.
Those drivers deal with several traffic concerns, including:
Poor road conditions: In OKC, 53% of local and state-maintained roads are in poor condition, according to TRIP, a national transportation research nonprofit. TRIP’s report goes on to say that the lack of adequate roadway safety features contributes to vehicle crashes.
High traffic congestion: The same TRIP report found that OKC’s traffic congestion results in 54 hours of delay per driver annually.
Highway convergence: More than 130 miles of federal interstate and state highways pass through Oklahoma City, meaning Oklahoma drivers must contend with more than just local traffic. Among the major highways are Interstate 35, I-40, and I-44. More drivers passing through the city increases the chance of crashes.
These factors all contribute to higher car insurance premiums in OKC.
On average, liability-only auto insurance in Oklahoma City costs $95 per month, which is roughly 24% higher than the state average of $83 per month. State Farm offers the cheapest car insurance in Oklahoma City for liability-only policies.
Oklahoma state law requires drivers to carry the following minimum liability coverage:
$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$25,000 for property damage liability per accident
In many cases, this minimum liability coverage isn’t enough to protect you if you cause an accident. Along with increasing your liability limits, consider adding medical payments, roadside assistance, comprehensive, and collision coverage to round out your policy.
The table below shows the cheapest rates for liability-only car insurance in Oklahoma City.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $39 |
| USAA | $48 |
| Allstate | $53 |
| Progressive | $59 |
| Mercury | $69 |
| National General | $78 |
| The General | $79 |
| Farmers | $82 |
| AssuranceAmerica | $87 |
| Safeco | $90 |
| GEICO | $92 |
| Bristol West | $100 |
| Root | $108 |
| GAINSCO | $113 |
| Shelter | $116 |
| Direct Auto | $120 |
| CSAA | $151 |
| Liberty Mutual | $170 |
The average cost of full-coverage auto insurance in OKC is $185 per month, which is nearly 15% higher than the state average of $169 per month. State Farm has the cheapest full-coverage policies in Oklahoma City, on average.
Oklahoma ranks among the top 10 states for major hail events, according to the Insurance Information Institute.[4] The major September 2024 OKC hailstorm (with some hail described as large as tennis balls) left tens of thousands of homes and vehicles damaged.
Meanwhile, heavy traffic and poor road conditions across the city contribute to frequent crashes. Together, these risks make carrying a full-coverage auto insurance policy in Oklahoma City a smart choice.
The table below shows the cheapest full-coverage car insurance quotes in Oklahoma City.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $84 |
| USAA | $107 |
| Allstate | $117 |
| Progressive | $126 |
| Mercury | $151 |
| National General | $161 |
| AssuranceAmerica | $168 |
| Root | $173 |
| Farmers | $180 |
| Safeco | $181 |
| GEICO | $191 |
| CSAA | $202 |
| The General | $223 |
| Direct Auto | $231 |
| Bristol West | $246 |
| Shelter | $253 |
| Liberty Mutual | $269 |
| GAINSCO | $322 |
*Quotes generated for Insurify users in and around Oklahoma City, Oklahoma within the last 10 days. Last updated on July 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Oklahoma City, Oklahoma within the last 10 days. Last updated on July 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average cost of liability-only car insurance in Oklahoma City with a ticket is $121 per month. For drivers with a ticket, insurance rates in OKC are among the highest in the state.
Traffic fatalities in the Sooner State are 19% higher than the national average, and in 2023, 32% of those were speed-related, according to TRIP.
In OKC, 4.16% of drivers have a ticket on their driving record, according to Insurify data. OKC speeding ticket penalties range from $172 for speeding up to 10 mph over the speed limit to $213 for speeding 20 mph or more over the speed limit, or speeding in a residential area or school zone. Depending on how fast you’re going, speeding can result in two, three, or four points on your license in Oklahoma.
The table below shows the cheapest liability-only rates for drivers with a speeding ticket in Oklahoma City.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| USAA | $62 |
| Allstate | $69 |
| Progressive | $75 |
| Mercury | $96 |
| National General | $98 |
| Farmers | $106 |
| The General | $107 |
| AssuranceAmerica | $112 |
| Safeco | $119 |
| GEICO | $122 |
| Bristol West | $127 |
| Root | $130 |
| GAINSCO | $137 |
| Direct Auto | $152 |
| Shelter | $155 |
| CSAA | $200 |
| Liberty Mutual | $219 |
Approximately 4.36% of OKC drivers have an accident in their driving history, according to Insurify data. Drivers with an at-fault accident in Oklahoma City pay an average of $121 per month for liability-only car insurance.
Fatal crashes in Oklahoma are more common than elsewhere in the U.S. From 2020 to 2025, 4,127 people died in traffic crashes in the state. During that same period, crashes in Oklahoma resulted in more than 76,500 injuries, including more than 12,700 serious injuries.
The table below shows the cheapest liability-only auto insurance rates for drivers with an at-fault accident in Oklahoma City.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| USAA | $64 |
| Allstate | $70 |
| Progressive | $75 |
| Mercury | $101 |
| National General | $102 |
| The General | $107 |
| Farmers | $108 |
| AssuranceAmerica | $114 |
| GEICO | $120 |
| Safeco | $123 |
| Bristol West | $130 |
| Root | $134 |
| GAINSCO | $142 |
| Shelter | $156 |
| Direct Auto | $161 |
| CSAA | $211 |
| Liberty Mutual | $222 |
Roughly 1 in every 167 drivers (0.60%) in Oklahoma City have a driving under the influence (DUI) conviction, according to Insurify data. Liability-only rates in Oklahoma City for drivers with a DUI average $118 per month.
If the authorities arrest you in Oklahoma for driving drunk, penalties include more than $10,000 in fines and fees.[5] You also face:
Installation of an ignition interlock device on your vehicle
Loss of your driver’s license
Up to 10 years of jail time, depending on the number of charges
The table below shows the cheapest liability-only rates for drivers with a DUI in Oklahoma City.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $52 |
| USAA | $64 |
| Allstate | $71 |
| Progressive | $73 |
| Mercury | $99 |
| The General | $103 |
| National General | $105 |
| Farmers | $110 |
| AssuranceAmerica | $117 |
| GEICO | $123 |
| Safeco | $133 |
| Bristol West | $134 |
| Root | $145 |
| GAINSCO | $151 |
| Shelter | $157 |
| Direct Auto | $161 |
| CSAA | $202 |
| Liberty Mutual | $228 |
The average cost of liability-only car insurance for teen drivers in Oklahoma City is $176 per month. State Farm has the lowest average rates for teens in OKC.
In Oklahoma, teens can get a learner permit at age 15, an intermediate license at 16, and an unrestricted license at 16 and a half. Notably, 25% of 16-year-old drivers in Oklahoma receive a ticket or have an accident within their first year of driving.[6]
The table below shows the cheapest liability-only rates for teenage drivers in Oklahoma City.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $76 |
| USAA | $89 |
| Allstate | $105 |
| Progressive | $109 |
| Mercury | $127 |
| The General | $144 |
| National General | $156 |
| Farmers | $165 |
| Root | $165 |
| GEICO | $168 |
| Bristol West | $178 |
| AssuranceAmerica | $181 |
| Safeco | $184 |
| GAINSCO | $201 |
| Shelter | $232 |
| Direct Auto | $235 |
| Liberty Mutual | $300 |
| CSAA | $369 |
Check quotes from 120+ top insurance companies
In Oklahoma City, people aged 65 and older account for 13.5% of the population, which is lower than the national average of 18%. Senior drivers in their 60s pay an average of $129 per month for liability-only car insurance coverage in OKC.
The following table shows the companies with the cheapest liability-only rates for senior drivers in Oklahoma City.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| USAA | $40 |
| Allstate | $45 |
| Progressive | $55 |
| Mercury | $57 |
| National General | $64 |
| Farmers | $67 |
| The General | $70 |
| AssuranceAmerica | $71 |
| GEICO | $76 |
| Safeco | $81 |
| Shelter | $86 |
| Bristol West | $86 |
| GAINSCO | $100 |
| Direct Auto | $102 |
| Root | $103 |
| CSAA | $117 |
| Liberty Mutual | $146 |
Find the answers to some of the most common questions about car insurance quotes in Oklahoma City below.
The cheapest car insurance company in Oklahoma City is State Farm, with premiums averaging $39 for state-minimum liability insurance.
Car insurance in Oklahoma City costs an average of $95 per month for liability-only coverage and $185 per month for full coverage. Drivers in OKC have higher premiums than in other parts of the state due to higher vehicle theft rates, higher population density, and poor road conditions.
Progressive is cheaper than GEICO, on average, for both liability-only and full-coverage car insurance in Oklahoma City.
The best car insurance company in Oklahoma City is State Farm. Other good companies to consider include USAA and Allstate.
At a minimum, Oklahoma car insurance requirements call for $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident.
In many cases, this amount of coverage may not be enough. Work with an insurance agent to explore coverage options that fit within your budget.
Yes. You may qualify for several car insurance discounts in OKC. Insurers typically offer discounts for safe driving and bundling auto insurance with homeowners or renters insurance. Tinker Air Force Base service members may qualify for military discounts.
You can also lower your auto insurance costs by reducing your auto insurance coverage limits or increasing your deductibles.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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)
)
)
)
)
)
)
)
)
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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
