INSURANCE - CAR INSURANCE

Average Cost of Car Insurance in Oklahoma for 2024

Updated Nov. 29, 2023
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USAA is generally the cheapest car insurance in Oklahoma for both full coverage and minimum liability policies.

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Although Oklahoma has the second-lowest cost of living in the country — only Mississippi is cheaper — residents pay higher rates for car insurance. Car insurance in Oklahoma averages $1,610 per year, compared to the national average of $1,582.

Your cost may vary based on your location, driving habits, credit, and the make and model of your car, and there may be ways to lower your premium in the Sooner State.

In this article

Key takeaways

  • Full coverage car insurance averages $1,610 per year.
  • State-minimum liability coverage costs an average of $530 per year.
  • Teen drivers pay an average of $4,048 per year for coverage.

How much does car insurance cost in Oklahoma?

The average cost of car insurance in Oklahoma is $1,610 per year for full coverage policies that include liability, collision, and comprehensive protection. State-minimum liability coverage averages $530 per year.

Why is car insurance more expensive in Oklahoma than in other states? There are a few factors affecting premiums. First, drivers in Oklahoma tend to drive significantly more than residents of other states, covering thousands more miles each year. With more time on the road, there’s a higher likelihood of getting into an accident.

Plus, Oklahoma has a high percentage of uninsured drivers. According to the Insurance Research Council, 13.4% of drivers in the state are uninsured.

Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider
$1,610/year $530/year USAA
Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers
$4,048/year $1,814/year $2,228/year

Average cost of car insurance in Oklahoma by provider

In Oklahoma, there are several providers of car insurance. We found that USAA had the lowest average premiums for full coverage and state-minimum policies, followed by State Farm.

By contrast, Farmers was the most expensive for full coverage insurance, and Allstate was the most costly for state-minimum policies.

Provider Full coverage Minimum liability coverage
Allstate $1,736/year $653/year
Farmers $1,797/year $628/year
GEICO $1,315/year
$461/year
Progressive $1,550/year $473/year
State Farm $1,118/year $346/year
USAA $962/year $306/year

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How does credit score affect car insurance rates in Oklahoma?

Car insurance companies commonly use driver credit scores to determine rates, and Oklahoma allows that practice too. Generally, having poor or average credit will cause you to pay significantly more for coverage than those with good to excellent credit.

On average, those with credit scores of 750 or better pay $1,579 per year for insurance — hundreds less per year than the average premiums for those with poor credit.

Credit health Avg. annual premium
Poor (550-649) $2,961/year
Average (650-699) $2,315/year
Good (700-749) $1,864/year
Excellent (750+) $1,579/year

Average car insurance rates for high-risk drivers in Oklahoma

If you are convicted of a driving violation in Oklahoma, your premiums may increase by hundreds per year. A driving under the influence (DUI) volition can cause a significant increase, raising your premiums by $1,075 per year.

Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase
At-fault accident $1,610/year $2,640/year $1,030
DUI $1,610/year $2,685/year $1,075
Speeding ticket $1,610/year $2,266/year $656

*Assumes clean driving record with good credit

How does age affect car insurance rates in Oklahoma?

Teens and new drivers tend to pay the highest rates for car insurance since they are more likely to be involved in accidents. In Oklahoma, 18-year-olds pay an average of $4,324 per year for coverage, thousands more than the state average for all drivers.

Age Avg. annual premium
18 $4,324/year
25 $1,625/year
30 $1,526/year
40 $1,608/year
60 $1,625/year

Oklahoma car insurance rates by city

Where you live significantly affects how much you pay for car insurance. In Oklahoma, Edmond had the highest average premiums, with drivers paying $2,071 per year for coverage — hundreds more than the state average.

That rate is understandable considering that Edmond has a high population density compared to the rest of the state; with more people and drivers in a relatively small area, there is more of a chance of getting into an accident.

City Avg. annual full-coverage premium
Edmond $2,071/year
Oklahoma City $1,995/year
Tulsa $1,965/year
Broken Arrow$1,915/year
Norman $1,864/year
Lawton $1,827/year

OK’s minimum car insurance requirements

Like most states, Oklahoma requires all drivers to have car insurance. Drivers must have policies that meet these minimums:

  • $25,000 in bodily injury protection for one person
  • $50,000 in bodily injury protection for two or more people
  • $25,000 in property damage insurance

How to save money on car insurance in Oklahoma

To save money on your premiums in Oklahoma, use these tips:

  • Consider usage-based insurance: Usage-based insurance policies use mobile apps or devices to track your driving habits, such as mileage and speed. You may qualify for a discount just for signing up, and you could save even more by maintaining safe driving habits. Several insurers offer usage-based insurance in Oklahoma, including Progressive and Allstate.
  • Ask about discounts: Many insurers have multiple discount programs. You could qualify for a rate reduction if you insure multiple vehicles, bundle your car insurance with other insurance products, or install an anti-theft device.
  • Get quotes from other companies: If you haven’t shopped around for insurance in a while, requesting quotes from several companies may be a good idea. Rates can vary significantly between insurers, so you may get the same or better coverage for less money. You can get quotes from the best car insurance companies online.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in OK

Is car insurance expensive in OK?

Car insurance is more expensive in Oklahoma than in many other states; its average premium for full coverage policies is $1,610, compared to the national average of $1,582.

How much is car insurance per year in OK?

The average cost of car insurance in Oklahoma is $1,610 per year for full coverage policies. State-minimum liability insurance averages $530 per year. 

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Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.