Average Car Insurance Cost in Oklahoma (2024)
Drivers in Oklahoma pay an average of $133 per month for car insurance.
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Written byAlani Asis
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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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Edited byDanny Smith
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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 November 21, 2024
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Table of contents
Oklahoma drivers pay an average monthly car insurance rate of $86 for liability-only coverage and $180 for full coverage, slightly less than the national averages of $104 for liability coverage and $204 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 $1,595 per year.
Oklahoma is an at-fault state for car insurance.
Enid drivers pay some of the cheapest rates in Oklahoma.
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What’s the average cost of car insurance in Oklahoma?
The average monthly cost of car insurance in Oklahoma is $86 for liability-only car insurance and $180 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| State Farm | $30 | $64 |
| USAA | $37 | $79 |
| Allstate | $41 | $87 |
| Mercury | $58 | $141 |
| GEICO | $59 | $126 |
| Farmers | $63 | $134 |
| Root | $70 | $135 |
| Progressive | $72 | $134 |
| National General | $74 | $158 |
| CSAA | $76 | $150 |
| Safeco | $81 | $168 |
| Direct Auto | $86 | $166 |
| Clearcover | $86 | $174 |
| Shelter | $88 | $189 |
| The General | $99 | $212 |
| GAINSCO | $107 | $265 |
| Bristol West | $134 | $304 |
| Foremost | $138 | $287 |
| Liberty Mutual | $162 | $284 |
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]
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Ardmore | $80 | $174 |
| Bartlesville | $74 | $137 |
| Enid | $76 | $162 |
| Lawton | $83 | $179 |
| Muskogee | $83 | $147 |
| Norman | $93 | $182 |
| Oklahoma City | $105 | $210 |
| Ponca City | $87 | $207 |
| Stillwater | $79 | $168 |
| Tulsa | $104 | $203 |
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.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 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 Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $86 | $180 |
| With speeding ticket | $127 | $266 |
| With accident | $127 | $265 |
| With DUI | $144 | $302 |
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 Status ▲▼ | Average Quote: Liability Only ▲▼ | Average 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 Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average 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 $133 per month. You’ll pay an average of $86 per month for a liability-only policy and $180 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 $30. USAA is the second-cheapest insurer in Oklahoma, with a monthly liability rate of $37. Allstate is the third-cheapest insurer in Oklahoma, with a monthly liability rate of $41.
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
- 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
- Statista. "State Population: United States 2022."
- World Population Review. "Oklahoma Cities by Population."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Oklahoma Insurance Department. "How Does Credit History Affect My Insurance Premium?."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
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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.
Edited byDanny 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.
Featured in