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
In Oklahoma, Honda HR-V and Hyundai Venue have the cheapest car insurance rates, followed by Honda CR-V and Chevrolet Trax, based on our research.
The table below highlights the most affordable vehicles to insure in Oklahoma, including 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 costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Oklahoma
According to our data, the Nissan Versa is the cheapest sedan to insure, with an average six-month full coverage premium of $1,200. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Subaru Legacy ranks second on our list with an insurance cost of $1,204, followed by Nissan Sentra, which costs $1,243 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Oklahoma and their average full coverage six-month rates.
| 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
The Honda HR-V and Honda CR-V are the cheapest SUVs to insure in Oklahoma, with an average cost of $1,055 and $1,061 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,194.
The table below compares car insurance rates for different sports cars in Oklahoma
| 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
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $5,017 to insure a Honda CR-V, while insuring a Mazda CX-5 costs $5,041 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Oklahoma?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $1,087, whereas the cost of insuring a Kia Niro EV is $1,099 for the same coverage.
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 18-year-olds in Oklahoma. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe can be significantly more expensive due to higher risk factors.
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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