Average Car Insurance Cost in Oklahoma (2024)

Oklahoma drivers pay an average monthly car insurance rate of $90 for liability-only coverage and $202 for full coverage, slightly less than the national averages of $104 for liability coverage and $214 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.

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

The average monthly cost of car insurance in Oklahoma is $90 for liability-only car insurance and $202 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.

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]

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.

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.

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.

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.

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.

Oklahoma car insurance FAQs