Average Car Insurance Cost in Oklahoma (2025)
Drivers in Oklahoma pay an average of $128 per month for car insurance.
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Oklahoma drivers pay a monthly average of $86 for liability insurance and $171 for full coverage. This is lower than the national average of $103 for liability and $182 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, Mercury, and USAA 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 $47 per month.
How much is car insurance in Oklahoma?
Average car insurance rates in Oklahoma are $86 per month for liability insurance and $171 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
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 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.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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:
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 $1,028 for minimum coverage and $2,048 for full coverage.
National average rates are more expensive. On average, U.S. drivers pay annual rates of $1,235 for minimum coverage and $2,188 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 $47.
Mercury and USAA 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 $86 per month for liability insurance and $171 for full-coverage insurance.
The national average rate for car insurance is $103 for liability coverage and $182 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.
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