Average Car Insurance Cost in Oklahoma (2025)
Drivers in Oklahoma pay an average of $129 per month for car insurance.
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Written byAnna Baluch
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Oklahoma drivers pay a monthly average of $84 for liability insurance and $175 for full coverage. This is lower than the national average of $105 for liability and $196 for full coverage. Oklahoma may have cheaper premiums because the state has low crime rates and a low population density.
But average car insurance costs in the Sooner State and throughout the U.S. have been increasing in recent years due to inflation and other factors. The average cost of full-coverage insurance in Oklahoma increased by 18% between 2023 and 2024. Comparing quotes can help you find affordable coverage.
Here’s what you need to know about car insurance in Oklahoma.
Quick Facts
State Farm, USAA, and Allstate are three of the cheapest car insurers in Oklahoma.
By city, Oklahoma residents pay the most for auto insurance coverage in Oklahoma City and the least in Bartlesville.
Premiums for liability insurance in Oklahoma start as low as $28 per month.
How much is car insurance in Oklahoma?
Average car insurance rates in Oklahoma are $84 per month for liability insurance and $175 for full-coverage insurance.
Factors like your location, ZIP code, gender, driving record, credit history, and discounts can all affect your car insurance quotes.[1]
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How Oklahoma car insurance rates have changed over the past two years
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To find car insurance rates in Oklahoma and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Oklahoma rose to $2,100 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Oklahoma.
See how Oklahoma car insurance prices have changed over the past two years below.
Average Oklahoma Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Oklahoma car insurance rates by city
Car insurance premiums in Oklahoma differ by city and ZIP code due to variations in weather conditions, crime rates, and traffic congestion. Drivers in larger cities typically pay higher premiums. For example, Bartlesville drivers pay a much lower average rate than drivers in Oklahoma City.
Here’s a look at the average car insurance rates in various Oklahoma cities.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Bartlesville | $72 | $133 |
| Enid | $72 | $147 |
| Ponca City | $73 | $162 |
| Ardmore | $76 | $178 |
| Stillwater | $77 | $178 |
| Muskogee | $79 | $151 |
| Lawton | $80 | $166 |
| Norman | $91 | $176 |
| Tulsa | $100 | $191 |
| Oklahoma City | $103 | $204 |
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.
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Car Insurance Requirements in Oklahoma (2025)
Average Oklahoma car insurance rates by age and gender
Your age and gender typically affect car insurance rates in Oklahoma.
Due to limited experience on the road, teenagers and young drivers typically pay higher premiums than middle-aged and senior drivers. Average car insurance costs tend to decrease with age for drivers older than 25. And male drivers often pay slightly higher auto insurance premiums because they pose a greater risk of car accidents.
The table below shows the average rates for car insurance in Oklahoma by age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $199 | $413 |
| 18 | $173 | $359 |
| 20 | $117 | $244 |
| 25 | $102 | $213 |
| 30 | $87 | $181 |
| 40 | $79 | $166 |
| 50 | $72 | $149 |
| 60 | $65 | $136 |
| 70+ | $70 | $146 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $218 | $393 |
| 18 | $189 | $342 |
| 20 | $127 | $232 |
| 25 | $114 | $202 |
| 30 | $101 | $172 |
| 40 | $91 | $158 |
| 50 | $80 | $142 |
| 60 | $72 | $129 |
| 70+ | $74 | $139 |
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 cost to insure popular vehicles in Oklahoma
The most popular vehicles in the Sooner State include the Ford F-Series, Chevrolet Silverado, Ram 1500, GMC Sierra, and Toyota RAV4, according to Edmunds.[2]
Oklahoma residents who frequently drive on the state’s highways and country roads may benefit from the durable, high-performing F-Series, Silverado, Ram 1500, and Sierra trucks. Drivers who prefer a smaller yet reliable vehicle might like the RAV4.
Here’s an overview of the monthly average full-coverage insurance rates for the most popular vehicles in Oklahoma.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $170 |
| Chevrolet Silverado | $180 |
| Ram 1500 | $202 |
| GMC Sierra | $182 |
| Toyota RAV4 | $166 |
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
When you apply for an auto policy in Oklahoma, car insurance companies will check your driving record to determine your risk on the road.
A clean driving record usually indicates less risk and results in cheaper premiums. But if your record has traffic violations — like speeding tickets, at-fault accidents, and DUI convictions — you’ll likely pay higher rates. If you’d like to lock in affordable car insurance, drive safely and follow all road rules.
You can compare average full-coverage quotes for a sample Oklahoma driver with an incident on their record in the table below.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $265 | 51% |
| With speeding ticket | $257 | 47% |
| With DUI | $300 | 71% |
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.
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In Oklahoma, your car insurance company may consider your credit history when determining your rates. Research indicates that drivers with excellent or good credit are less likely to file claims. For this reason, drivers with better credit typically pay cheaper auto insurance premiums.
Here’s a look at average monthly car insurance premiums in Oklahoma by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $76 $159 Good $80 $166 Fair $79 $165 Poor $97 $202 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 to lower your insurance costs in Oklahoma
The following tips can help you secure affordable car insurance in the Sooner State:
Shop around
Compare quotes from at least three car insurance companies. This can allow you to compare premiums, add-ons, financial strength ratings, and other factors that are important to you.
Opt for a higher deductible
If you have savings or flexibility in your budget, a car insurance policy with a higher deductible might make sense. You’ll pay higher out-of-pocket costs after a claim but pay lower rates each month.
Search for discounts
Most car insurance companies offer several insurance discounts for policyholders, such as multi-policy, auto-pay, good student, and loyalty discounts. Take advantage of any insurance discounts that might apply to you.
Bundle coverage
If you need another type of insurance, such as home insurance or renters insurance, you may save money if you buy both from the same insurance company. Most car insurers offer insurance bundling discounts.
Prioritize your credit
Do your best to pay your bills on time, keep old accounts open, and repay debt to improve your credit. Better credit can help you earn cheaper premiums.[3]
Oklahoma average car insurance cost FAQs
The following information can help answer some common questions about car insurance in Oklahoma.
The average annual rate for Oklahoma car insurance is $1,011 for minimum coverage and $2,096 for full coverage.
National average rates are more expensive. On average, U.S. drivers pay annual rates of $1,257 for minimum coverage and $2,350 for full coverage. Your annual rate will depend on your location, driving history, credit, age, and gender.
State Farm offers the cheapest liability car insurance in Oklahoma, with an average monthly premium of $28.
USAA and Allstate also offer some of the lowest car insurance rates in Oklahoma. An Oklahoma minimum-coverage policy with bodily injury and property damage liability is the cheapest policy you can purchase.
In Oklahoma, residents pay an average of $84 per month for liability insurance and $175 for full-coverage insurance.
The national average rate for car insurance is $105 for liability coverage and $196 for full coverage. To find the best deal for your unique situation, shop around and compare all your options.
Allstate, Farmers, Liberty Mutual, USAA, State Farm, and Mercury are several reputable car insurers in Oklahoma. Fortunately, drivers in the Sooner State have many other highly rated car insurance companies to choose from.
The right car insurance company for you will depend on your coverage needs. Be sure to research insurance discounts, average rates, and coverage offerings for each insurance company you’re considering.
Oklahoma law requires all drivers to hold the following coverages to drive legally in the state: $25,000 per person and $50,000 per accident in bodily injury protection and $25,000 in property damage insurance.[4] Note that you may face fines and other penalties as an uninsured driver if you haven’t met the state-minimum requirements.
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.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most popular cars in America."
- Insurance Information Institute. "How to save money on car insurance."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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