Average Car Insurance Cost in Oklahoma (2025)

Oklahoma drivers pay a monthly average of $87 for liability insurance and $173 for full coverage. This is lower than the national average of $104 for liability and $184 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.

How much is car insurance in Oklahoma?

Average car insurance rates in Oklahoma are $87 per month for liability insurance and $173 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

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.

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.

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.

How to lower your insurance costs in Oklahoma

The following tips can help you secure affordable car insurance in the Sooner State: