- The average cost of car insurance in Oklahoma is $2,993 a year or $249 per month, based on our data analysis.
- Minimum liability coverage in Oklahoma costs around $613 annually for limits of 25/50/25, while liability-only coverage costs $667 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Oklahoma, costing $2,194 per year.
- In Oklahoma, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 27%, a DUI raising rates by 48%, and an at-fault accident by up to 43%.
Car insurance costs in Oklahoma vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. GEICO offers the cheapest annual rates for full coverage car insurance in Oklahoma at $2,194 annually.
This comprehensive guide to buying car insurance for Oklahoma drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Oklahoma works and how much insurance you need.
How much is car insurance in Oklahoma?
CarInsurance.com data found that drivers in Oklahoma pay $249 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Oklahoma based on driver profile:
- Teen drivers in Oklahoma pay the most — about $799 a month or $9,589 a year.
- Young drivers in their 20s pay an average of $402 monthly or $4,823 annually, for car insurance.
- Senior drivers pay around $235 monthly or $2,819 a year.
- A speeding ticket can increase your rates to $317 monthly or $3,799 annually.
- An at-fault accident increases car insurance rates to $356 a month or $4,273 a year.
- Poor credit drivers usually see their car insurance costs increase to $390 monthly or $4,675 annually.
Average cost of auto insurance in Oklahoma by coverage level
In Oklahoma, the cost of car insurance can vary depending on how much coverage you purchase. Oklahoma drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Oklahoma. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Oklahoma for three different coverages.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $51 | $613 |
| Liability Only – 50/100/50 BI/PD | $56 | $667 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $249 | $2,993 |
State minimum car insurance in Oklahoma
Oklahoma’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Oklahoma is $613 a year. However, this basic coverage only offers limited protection. Oklahoma drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Oklahoma must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Oklahoma
The average cost of liability-only insurance in Oklahoma is $667 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Oklahoma
In Oklahoma, you can expect to pay around $2,993 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Oklahoma
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Oklahoma have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Oklahoma
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Oklahoma by car model
Car insurers in Oklahoma use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Oklahoma.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Oklahoma
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Oklahoma drivers aged 30 to 60 have the lowest average auto insurance rates at $2,880 annually.
Drivers aged 16-19 pay $6,709 more for car insurance than Oklahoma drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $9,589 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,591 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,880 annually in Oklahoma.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,819 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Oklahoma
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Oklahoma, a DUI conviction often results in higher premiums and you may see an increase of up to 48% as insurers perceive you as a high-risk driver.
If you get caught speeding in Oklahoma, your car insurance rates will increase by 27% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Oklahoma following driving incidents:
- Speeding ticket: Up to 27% increase
- DUI conviction: 48% increase
- At-fault accident (bodily injury and property damage): 43% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Oklahoma for high-risk drivers
In Oklahoma, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Oklahoma
In Oklahoma, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Oklahoma by getting quotes from different insurance companies.
Below are the details of Oklahoma car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $404 | $448 | $2,194 |
| Progressive | $370 | $422 | $2,241 |
| Shelter Insurance | $603 | $712 | $2,350 |
| Mercury Insurance | $369 | $420 | $2,760 |
| AFR Insurance | $405 | $452 | $3,240 |
| Farmers | $927 | $976 | $3,278 |
| Allstate | $893 | $954 | $3,536 |
| Oklahoma Farm Bureau | $1,020 | $1,074 | $3,990 |
| Equity Insurance | $982 | $982 | $4,997 |
| USAA | $340 | $390 | $1,546 |
Car insurance rates by city in Oklahoma
Moore is the most expensive city in Oklahoma, with an average car insurance rate of $3,201 a year. Enid is the cheapest city for Oklahoma drivers at an average rate of $2,833 annually.
Car insurance rates vary by city in Oklahoma for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Oklahoma.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Oklahoma per month?
In Oklahoma, a full coverage car insurance policy with 100/300/100 limits typically costs about $249 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $51 |
| Liability Only – 50/100/50 BI/PD | $56 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $249 |
Final thoughts on choosing car insurance in Oklahoma
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Oklahoma.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Oklahoma. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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