Oklahoma car insurance averages $1,599 annually for full coverage and $630 for minimum coverage, assuming a 40-year-old driver with strong credit and a spotless record. Oklahoma positions at 37th for full coverage and 26th for minimum coverage in national rankings, offering rates 10% above and 8% below national benchmarks respectively.
Average Cost of Car Insurance in Oklahoma
Updated: October 16, 2025
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Key Takeaways
Car insurance costs can range anywhere from $630 to $5,217 per year on average depending on your chosen coverage, driving profile and location.
Oklahoma ranks in the middle for car insurance affordability, placing 26th and 37th for minimum and full coverage.
Find the cheapest car insurance in Oklahoma by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.
Average Car Insurance Cost In Oklahoma
| Full Coverage | $133 | $1,599 |
| Minimum Coverage | $52 | $630 |
Moving from minimum to full coverage adds $969 per year to your premiums, roughly $81 monthly. Rate variations depend on individual risk factors, driving experience and coverage selections.
Have auto insurance questions?Chat with Charlie now.
Average Oklahoma Car Insurance Cost By Category
Credit-challenged drivers and young drivers face similar high costs in Oklahoma at $290 and $317 monthly respectively for full coverage, showing how both factors significantly impact pricing. Your personal characteristics dramatically affect Oklahoma car insurance costs.
Adult drivers with clean records maintain reasonable baseline rates at $129 monthly for full coverage and $52 for minimum coverage. Older vehicle owners benefit from reduced premiums at $120 monthly for full coverage due to lower comprehensive and collision claim values.
| Young Drivers | $136 | $317 |
| Adult Drivers | $52 | $129 |
| Senior Drivers | $68 | $151 |
| Drivers With An Accident | $72 | $179 |
| Drivers With A DUI | $76 | $186 |
| Drivers With A Speeding Ticket | $63 | $161 |
| Drivers With Bad Credit | $118 | $290 |
| Drivers With Low Income | $76 | $186 |
| Drivers With Newer Cars | $70 | $178 |
| Drivers With Old Cars | $48 | $120 |
Oklahoma's weather-related risks and economic factors create moderate base rates, with credit scores and driving experience generating substantial premium variations across categories.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Find the best cheap provider for your profile in our comprehensive roundup guides:
Average Oklahoma Car Insurance Cost by Company
Progressive offers the most affordable rates in Oklahoma at $96 monthly for full coverage, while American Farmers & Ranchers charges higher at $121 monthly. Oklahoma insurance companies show moderate rate variations, with full coverage spanning from $96 to $121 monthly among prominent insurers.
Oklahoma residents can reduce annual costs by approximately $301 through strategic company choice.
| Progressive | $29 | $96 |
| American Farmers & Ranchers | $38 | $121 |
| Mercury Insurance | $39 | $109 |
| Geico | $41 | $106 |
| Shelter Insurance | $50 | $119 |
Average Oklahoma Car Insurance Cost By City
Oklahoma presents modest geographic variation in car insurance costs statewide, with monthly full coverage premiums ranging from $117 in Eldorado to $158 in Choctaw. Location influences Oklahoma car insurance rates with relatively narrow city-to-city differences.
The $41 monthly spread between cities demonstrates that location-based comparison remains valuable even in states with consistent regional pricing patterns. Compare rates for your city below.
Data filtered by:Results filtered by:
Achille
City:Achille
| Full Coverage | $129 | $1,545 |
| Minimum Coverage | $52 | $618 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by Oklahoma law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Oklahoma Car Insurance Expensive?
Car insurance costs in Oklahoma are around average for the U.S., with the state placing 26th for minimum coverage and 37th for full coverage affordability.
Why Is Car Insurance More Expensive In Oklahoma?
Here's why Oklahoma car insurance costs more:
Extremely High Uninsured Driver Rates
Oklahoma has one of the highest uninsured driver rates in the nation, with approximately 13% to 25% of drivers lacking insurance coverage. The Oklahoma Insurance Department reports that about 181,000 drivers in Oklahoma remain uninsured, despite progress in recent years. This means roughly one in seven drivers on Oklahoma roads is uninsured, increasing the risk of encountering an at-fault driver who can't pay for damages. Oklahoma requires insurance companies to offer uninsured motorist coverage, though it's not mandatory for drivers to purchase it.
Severe Weather and Natural Disasters
Oklahoma is notorious for severe weather events, including tornadoes, hailstorms and high winds. Oklahoma saw severe weather events in 2022, including tornadoes, hail storms and strong wind events. These weather patterns make comprehensive coverage important for Oklahoma drivers, as cars are frequently damaged by hail, wind and tornado debris.
At-Fault Insurance System
Oklahoma follows a traditional at-fault insurance system, meaning the driver responsible for an accident bears the financial burden for damages and injuries. This creates a different claims environment compared to no-fault states. Oklahoma also operates under a modified comparative negligence system, where if you're found to be partially at fault but less than 50%, you can still recover damages, but they'll be reduced based on your share of the blame. This system allows accident victims to sue for damages that exceed minimum insurance requirements, but proving fault can take time and may result in claim denials.
Above-Average Insurance Costs
Oklahoma's average car insurance rates are higher than the national average, with full coverage costing approximately $2,548 per year compared to the national average of $2,314. The state's frequent severe weather events, high uninsured driver rates and crime statistics in major cities contribute to these elevated premiums. Oklahoma drivers pay an average of $507 per year for minimum coverage, which is below the national average of $644, but the gap narrows for full coverage policies.
Moderate Car Theft Rates
Oklahoma ranks 10th nationally for car theft rates, with theft occurring regularly across the state. In Oklahoma City specifically, your chance of getting your car stolen is one in 248, and the city has one of the highest rates of motor vehicle theft in the nation. While not as severe as states like Colorado or California, Oklahoma's theft rates are still significant enough to impact comprehensive coverage pricing, especially in urban areas like Oklahoma City and Tulsa.
Comprehensive Coverage Necessity
Given Oklahoma's position in Tornado Alley and frequent severe weather, comprehensive coverage becomes more of a necessity than an option. The Oklahoma Insurance Department acknowledges that the state has long been a hotbed for tornadoes and severe storms, making car protection against weather damage important. The state's insurance regulators even provide specific guidance on wind and hail coverage, recognizing the risk these weather events pose to cars.
Modified Comparative Negligence Laws
Oklahoma's modified comparative negligence system with a 50% rule affects how claims are handled. If you're found to be more than 50% at fault for an accident, you can't recover any damages in court. This system means that even if you're partially at fault, you can still recover damages as long as your fault percentage is below 50%. This legal framework impacts how insurance companies assess risk and price policies, as the potential for partial fault determinations affects claim payouts.
How To Lower Car Insurance Costs In Oklahoma
Below we've created a step-by-step guide to lowering your car insurance costs.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Oklahoma: Bottom Line
Oklahoma car insurance costs are among the most expensive in the United States, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in Oklahoma: FAQ
Below are answers to frequently asked questions about Oklahoma car insurance costs:
How much is Oklahoma car insurance per month?
Oklahoma car insurance costs $52 for minimum coverage and $133 for full coverage policies. Rates range from $48 to $317 monthly, depending on your unique driver profile and coverage choice.
What factors affect Oklahoma car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Oklahoma car insurance so expensive?
Oklahoma operates a traditional at-fault system with high uninsured driver rates and faces severe weather including tornadoes and hailstorms. The state experienced severe weather events and ranks high nationally for car theft. Oklahoma's position in "Tornado Alley" makes comprehensive coverage important, with above-average rates at $2,548 annually reflecting weather and uninsured driver risks.
How expensive is Oklahoma car insurance?
Oklahoma ranks 26th in affordability for minimum coverage and 37th overall for full coverage, making them one of the most expensive places to get auto insurance in the U.S.
How We Determined Oklahoma Car Insurance Costs
We used the following profile and modifications of this profile to determine Oklahoma auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- KJRH Channel 2 Tulsa. "Uninsured OK drivers facing more penalties in 2024." Accessed October 22, 2025.
- Oklahoma Insurance Department. "Tornadoes and Severe Storms." Accessed October 22, 2025.
- Oklahoma Insurance Department. "Uninsured Motorist." Accessed October 22, 2025.
