The type of vehicle you own in Oklahoma can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Oklahoma for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Oklahoma
The Honda HR-V and Hyundai Venue are the cheapest vehicles to insure in Oklahoma, closely followed by the Honda CR-V and Chevrolet Trax, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Oklahoma and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $1,055 |
| Hyundai Venue | $1,057 |
| Honda CR-V | $1,061 |
| Chevrolet Trax | $1,070 |
| Mini Cooper Electric | $1,087 |
| Volkswagen Tiguan | $1,088 |
| Chevrolet TrailBlazer | $1,090 |
| Chevrolet Express | $1,092 |
| Kia Sportage | $1,092 |
| Mazda CX-5 | $1,093 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Oklahoma
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Oklahoma
Based on our data analysis, the Nissan Versa is the cheapest sedan to insure, with an average cost of $1,200 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Subaru Legacy, which costs $1,204, and the Nissan Sentra, which costs $1,243 to insure.
Below, you’ll find the most affordable sedans to insure in Oklahoma and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Nissan Versa | $1,200 |
| Subaru Legacy | $1,204 |
| Nissan Sentra | $1,243 |
| Honda Civic Sedan | $1,249 |
| Honda Accord | $1,258 |
| Toyota Corolla | $1,260 |
| Volkswagen Jetta | $1,268 |
| Kia Forte | $1,270 |
| Toyota Camry | $1,294 |
| Chevrolet Malibu | $1,295 |
| Volkswagen Jetta GLI | $1,310 |
| Hyundai Elantra | $1,317 |
| Mitsubishi Mirage G4 | $1,333 |
| Mazda 3 Sedan | $1,335 |
| Nissan Altima | $1,352 |
| Kia K5 | $1,362 |
| Hyundai Sonata | $1,388 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Oklahoma
In Oklahoma, the Honda HR-V and Honda CR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $1,055 and $1,061 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $1,055 |
| Honda CR-V | $1,061 |
| Chevrolet Trax | $1,070 |
| Volkswagen Tiguan | $1,088 |
| Chevrolet TrailBlazer | $1,090 |
| Kia Sportage | $1,092 |
| Mazda CX-5 | $1,093 |
| Ford Escape | $1,096 |
| Hyundai Kona | $1,102 |
| Toyota Corolla Cross | $1,112 |
| Hyundai Tucson | $1,113 |
| Honda Passport | $1,122 |
| Toyota RAV4 | $1,123 |
| Kia Seltos | $1,124 |
| Chevrolet Equinox | $1,129 |
| Jeep Wrangler | $1,133 |
| Mazda CX-30 | $1,134 |
| Honda Pilot | $1,135 |
| Volkswagen Taos | $1,135 |
| Ford Edge | $1,146 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Oklahoma
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,194.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,194 |
| Chevrolet Camaro | $1,338 |
| Honda Civic Si | $1,387 |
| Toyota GR Corolla | $1,435 |
| Ford Mustang | $1,438 |
| Toyota GR86 | $1,606 |
| Subaru BRZ | $1,606 |
| BMW Z4 | $1,707 |
| Honda Civic Type R | $1,708 |
| Subaru WRX | $1,722 |
| Chevrolet Camaro ZL1 | $1,758 |
| Toyota GR Supra | $1,788 |
| Porsche 718 Boxster | $1,827 |
| Chevrolet Corvette | $1,974 |
| Porsche 718 Cayman | $2,006 |
| Jaguar F-Type | $2,264 |
| Nissan Z | $2,326 |
| Chevrolet Corvette Z06 | $2,442 |
| Porsche 911 | $2,666 |
| Porsche 911 GT3 | $2,842 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Oklahoma
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,144, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Volvo XC40 at $1,148 and the Acura Integra at $1,262.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,144 |
| Volvo XC40 | $1,148 |
| Acura Integra | $1,262 |
| Acura MDX | $1,268 |
| Cadillac XT4 | $1,282 |
| Volvo XC60 | $1,296 |
| Lincoln Corsair | $1,305 |
| Alfa-Romeo Tonale | $1,325 |
| Audi Q3 | $1,329 |
| Lexus RX | $1,333 |
| BMW X3 | $1,343 |
| Cadillac XT5 | $1,346 |
| BMW X2 | $1,347 |
| BMW X1 | $1,373 |
| Mercedes-Benz GLA-Class | $1,383 |
| Lexus NX | $1,383 |
| Lincoln Nautilus | $1,416 |
| Acura TLX | $1,421 |
| Mercedes-Benz GLC-Class | $1,445 |
| Mercedes-Benz GLB-Class | $1,445 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Oklahoma
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $3,283 annually, which breaks down to $274 monthly.
The table below highlights the most affordable EVs to insure in Oklahoma, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,087 |
| Kia Niro EV | $1,099 |
| Hyundai Kona Electric | $1,139 |
| Nissan Leaf | $1,216 |
| Volkswagen ID.4 | $1,236 |
| Chevrolet Silverado EV | $1,320 |
| Audi Q4 e-tron | $1,336 |
| Ford F-150 Lightning | $1,420 |
| Toyota bZ4X | $1,462 |
| Subaru Solterra | $1,467 |
| Cadillac LYRIQ | $1,467 |
| Mercedes-Benz EQB | $1,494 |
| Genesis Electrified GV70 | $1,495 |
| Kia EV6 | $1,506 |
| Kia EV9 | $1,508 |
| Jaguar I-Pace | $1,511 |
| Hyundai Ioniq 5 | $1,515 |
| Ford Mustang Mach-E | $1,597 |
| Volvo XC40 Recharge | $1,601 |
| Genesis GV60 | $1,604 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Oklahoma
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda CR-V costs an average of $5,017 to insure for an 18-year-old driver, whereas a Mazda CX-5 costs an average of $5,041 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Oklahoma?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,087 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,099, according to our analysis.
Which SUVs are the cheapest to insure in Oklahoma?
The Honda HR-V is one of the cheapest SUVs to insure in Oklahoma, with an average cost of $1,055 for a six-month car insurance plan. The Honda CR-V and Chevrolet Trax also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Oklahoma?
The Honda CR-V, Mazda CX-5, GMC Savana and Honda HR-V are some of the cheapest cars to insure for an 18-year-old driver in Oklahoma. On the other hand, Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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