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Depending on your driver profile and individual needs, the best and cheapest auto insurer in Oklahoma City can vary.

State Farm is the best auto insurance company overall and the best cheap insurer. It has the lowest rates for minimum and full coverage, and it’s also the cheapest option for teen girls and drivers with violations. However, Allstate has the most affordable policies for teen boys, while USAA offers the lowest rates for military families.

For those who are willing to spend more on their premiums in exchange for the best customer service, Shelter is a great option.

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2023

Cheapest and Best Car Insurance in Oklahoma City, OK

Cheapest Minimum Liability Car Insurance in Oklahoma City

The cheapest car insurance in Oklahoma City is a minimum coverage policy from one of the following insurers:

  • State Farm: $284 per year
  • Progressive: $315 per year

In comparison, Home State Ins Group is the most expensive at $675 per year. It’s important to shop around and compare quotes if you want to save money.

Location also matters when calculating rates. Based on MoneyGeek’s comparison of policy rates, Oklahoma City is a little more expensive than other cities in the state. On a statewide basis, the cheapest car insurance in Oklahoma for minimum coverage is also from State Farm, at an average rate of just $233 per year as of October 2022.

Company
Annual Premium
Monthly Premium

State Farm

$268

$22

State Farm

$284

$24

Progressive

$292

$24

Progressive

$315

$26

State Farm

$346

$29

Mercury

$359

$30

Progressive

$379

$32

GEICO

$454

$38

Mercury

$459

$38

Mercury

$463

$39

GEICO

$495

$41

Shelter

$502

$42

GEICO

$504

$42

Oklahoma Farm Bureau

$544

$45

Allstate

$567

$47

Allstate

$568

$47

Farmers

$572

$48

Farmers

$592

$49

Oklahoma Farm Bureau

$605

$50

Allstate

$623

$52

State Farm

$628

$52

Shelter

$640

$53

Home State Ins Group

$675

$56

State Farm

$695

$58

Farmers

$705

$59

Home State Ins Group

$721

$60

Home State Ins Group

$771

$64

Mercury

$876

$73

State Farm

$879

$73

GEICO

$909

$76

GEICO

$912

$76

Progressive

$925

$77

Allstate

$978

$81

Shelter

$982

$82

Oklahoma Farm Bureau

$988

$82

Mercury

$1,019

$85

GEICO

$1,024

$85

Allstate

$1,034

$86

Allstate

$1,037

$86

Progressive

$1,065

$89

Farmers

$1,075

$90

Shelter

$1,091

$91

Oklahoma Farm Bureau

$1,139

$95

Farmers

$1,143

$95

Mercury

$1,178

$98

Oklahoma Farm Bureau

$1,324

$110

Progressive

$1,332

$111

Farmers

$1,378

$115

Shelter

$1,393

$116

Home State Ins Group

$1,538

$128

Home State Ins Group

$1,580

$132

Home State Ins Group

$1,726

$144

Oklahoma Farm Bureau

$1,928

$161

Shelter

$2,091

$174

In Oklahoma, drivers are required to carry bodily injury and property damage liability coverage to drive legally:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

If you have an at-fault accident with minimum coverage insurance, your insurer will only pay up to these amounts. For example, if you cause $80,000 of injuries in an accident, your insurance company will pay for $50,000, while you’ll cover the additional $30,000 yourself.

Cheapest Full Coverage Car Insurance in Oklahoma City

Drivers looking for a full coverage policy in Oklahoma City should consider the following insurers with the most affordable rates:

  • State Farm: $695 per year
  • Mercury: $876 per year

Home State is the most expensive company we reviewed for Oklahoma City, with an average annual rate of $1,538 for full coverage.

Zooming out for a statewide look, the cheapest full coverage car insurance in Oklahoma is also from State Farm at $718 per year as of October 2022.

Company
Annual Premium
Monthly Premium

State Farm

$268

$22

State Farm

$284

$24

Progressive

$292

$24

Progressive

$315

$26

State Farm

$346

$29

Mercury

$359

$30

Progressive

$379

$32

GEICO

$454

$38

Mercury

$459

$38

Mercury

$463

$39

GEICO

$495

$41

Shelter

$502

$42

GEICO

$504

$42

Oklahoma Farm Bureau

$544

$45

Allstate

$567

$47

Allstate

$568

$47

Farmers

$572

$48

Farmers

$592

$49

Oklahoma Farm Bureau

$605

$50

Allstate

$623

$52

State Farm

$628

$52

Shelter

$640

$53

Home State Ins Group

$675

$56

State Farm

$695

$58

Farmers

$705

$59

Home State Ins Group

$721

$60

Home State Ins Group

$771

$64

Mercury

$876

$73

State Farm

$879

$73

GEICO

$909

$76

GEICO

$912

$76

Progressive

$925

$77

Allstate

$978

$81

Shelter

$982

$82

Oklahoma Farm Bureau

$988

$82

Mercury

$1,019

$85

GEICO

$1,024

$85

Allstate

$1,034

$86

Allstate

$1,037

$86

Progressive

$1,065

$89

Farmers

$1,075

$90

Shelter

$1,091

$91

Oklahoma Farm Bureau

$1,139

$95

Farmers

$1,143

$95

Mercury

$1,178

$98

Oklahoma Farm Bureau

$1,324

$110

Progressive

$1,332

$111

Farmers

$1,378

$115

Shelter

$1,393

$116

Home State Ins Group

$1,538

$128

Home State Ins Group

$1,580

$132

Home State Ins Group

$1,726

$144

Oklahoma Farm Bureau

$1,928

$161

Shelter

$2,091

$174

A full coverage policy contains collision and comprehensive insurance in addition to liability coverage. This type of policy protects drivers financially against the cost of damages to their own vehicles.

  • Collision Insurance: Protects drivers against collision damages, such as with another vehicle or an inanimate object.
  • Comprehensive Insurance: Protects drivers against other types of damage from theft, riots, natural disasters, fallen objects and so on.

If you own a new car, a full coverage policy is ideally the best type of coverage to get. Contrastingly, if you own an old vehicle, you might need to assess whether your car is worth paying hundreds more per year for expanded coverage.

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Cheapest Car Insurance in Oklahoma City After a Driving Offense

Driving violations cause rates to increase significantly. The following companies offer the cheapest car insurance in Oklahoma City after a driving violation:

  • Speeding ticket: State Farm ($775 per year)
  • At-fault accident: State Farm ($838 per year)
  • DUI: State Farm ($775 per year)

Meanwhile, Shelter has the highest rates for drivers with speeding tickets ($1,912 per year) and at-fault accidents ($2,469), while Oklahoma Farm Bureau has the most expensive policy for drivers with DUIs ($2,285).

Bad driving records significantly increase rates. The cheapest policy for a driver with violations will usually be much more expensive than a similar policy for a safe driver.

Company
Annual Premium
Monthly Premium

State Farm

$306

$26

State Farm

$306

$26

State Farm

$326

$27

State Farm

$326

$27

State Farm

$337

$28

Progressive

$347

$29

State Farm

$359

$30

Progressive

$364

$30

State Farm

$397

$33

State Farm

$397

$33

Progressive

$406

$34

Progressive

$411

$34

Progressive

$433

$36

State Farm

$436

$36

Progressive

$469

$39

Mercury

$486

$41

Mercury

$517

$43

GEICO

$543

$45

Oklahoma Farm Bureau

$563

$47

Mercury

$599

$50

Progressive

$607

$51

GEICO

$610

$51

Mercury

$614

$51

Allstate

$619

$52

Allstate

$620

$52

Oklahoma Farm Bureau

$622

$52

Oklahoma Farm Bureau

$626

$52

Mercury

$628

$52

Mercury

$660

$55

Progressive

$670

$56

GEICO

$675

$56

Progressive

$677

$56

Allstate

$685

$57

Oklahoma Farm Bureau

$690

$58

State Farm

$702

$59

State Farm

$702

$59

Allstate

$703

$59

Allstate

$704

$59

Farmers

$705

$59

Home State Ins Group

$707

$59

Allstate

$715

$60

Allstate

$715

$60

Shelter

$745

$62

Home State Ins Group

$751

$63

Home State Ins Group

$751

$63

Home State Ins Group

$755

$63

State Farm

$761

$63

GEICO

$763

$64

State Farm

$775

$65

State Farm

$775

$65

Farmers

$784

$65

Allstate

$784

$65

Mercury

$787

$66

Allstate

$798

$67

Home State Ins Group

$803

$67

Home State Ins Group

$803

$67

Home State Ins Group

$807

$67

Farmers

$816

$68

GEICO

$831

$69

Farmers

$836

$70

Shelter

$837

$70

State Farm

$838

$70

Home State Ins Group

$859

$72

Home State Ins Group

$859

$72

GEICO

$865

$72

Farmers

$910

$76

Mercury

$925

$77

Farmers

$926

$77

Farmers

$948

$79

Shelter

$951

$79

GEICO

$962

$80

State Farm

$983

$82

State Farm

$983

$82

GEICO

$983

$82

Mercury

$998

$83

Shelter

$1,006

$84

Farmers

$1,017

$85

Oklahoma Farm Bureau

$1,023

$85

Oklahoma Farm Bureau

$1,023

$85

State Farm

$1,065

$89

Shelter

$1,068

$89

Farmers

$1,071

$89

GEICO

$1,078

$90

Allstate

$1,087

$91

Progressive

$1,110

$93

Oklahoma Farm Bureau

$1,127

$94

Mercury

$1,130

$94

GEICO

$1,131

$94

Oklahoma Farm Bureau

$1,137

$95

Allstate

$1,151

$96

Allstate

$1,161

$97

Progressive

$1,166

$97

Oklahoma Farm Bureau

$1,173

$98

Mercury

$1,212

$101

Allstate

$1,274

$106

Oklahoma Farm Bureau

$1,275

$106

Shelter

$1,284

$107

Shelter

$1,285

$107

Allstate

$1,288

$107

GEICO

$1,292

$108

Progressive

$1,305

$109

Mercury

$1,327

$111

GEICO

$1,333

$111

Allstate

$1,351

$113

Progressive

$1,353

$113

Oklahoma Farm Bureau

$1,362

$114

Allstate

$1,365

$114

Allstate

$1,367

$114

Allstate

$1,389

$116

Progressive

$1,435

$120

Mercury

$1,439

$120

Shelter

$1,443

$120

Mercury

$1,452

$121

Farmers

$1,458

$122

Farmers

$1,462

$122

Oklahoma Farm Bureau

$1,478

$123

Shelter

$1,498

$125

Mercury

$1,527

$127

GEICO

$1,589

$132

Farmers

$1,590

$133

Home State Ins Group

$1,600

$133

Farmers

$1,606

$134

Progressive

$1,626

$136

Home State Ins Group

$1,646

$137

Home State Ins Group

$1,680

$140

Home State Ins Group

$1,680

$140

Farmers

$1,696

$141

GEICO

$1,714

$143

Home State Ins Group

$1,731

$144

Home State Ins Group

$1,731

$144

Shelter

$1,735

$145

Mercury

$1,768

$147

Shelter

$1,780

$148

Farmers

$1,782

$148

Home State Ins Group

$1,795

$150

Farmers

$1,797

$150

GEICO

$1,806

$151

Farmers

$1,826

$152

Progressive

$1,855

$155

Oklahoma Farm Bureau

$1,858

$155

Progressive

$1,865

$155

Home State Ins Group

$1,885

$157

Home State Ins Group

$1,885

$157

GEICO

$1,903

$159

Shelter

$1,912

$159

GEICO

$1,930

$161

Shelter

$1,934

$161

Oklahoma Farm Bureau

$1,986

$166

Oklahoma Farm Bureau

$1,987

$166

GEICO

$1,987

$166

Farmers

$2,037

$170

Mercury

$2,099

$175

Oklahoma Farm Bureau

$2,163

$180

Mercury

$2,165

$180

Progressive

$2,171

$181

Shelter

$2,271

$189

Oklahoma Farm Bureau

$2,285

$190

Shelter

$2,469

$206

Shelter

$2,582

$215

Shelter

$3,067

$256

Shelter

$3,334

$278

Oklahoma Farm Bureau

$3,397

$283

Rates tend to increase as driving violations become more severe. Shopping for the cheapest auto insurance with a bad driving record can help drivers save on premiums.

For instance, the cheapest policy for a driver with at-fault accidents in Oklahoma City costs $63 more than the most affordable plan for a driver with speeding tickets.

Cheapest Car Insurance in Oklahoma City for Teens and Their Families

Due to their lack of experience driving, car insurance for teens tends to be expensive. These companies offer the lowest rates for adding a teen driver to a family policy in OKC:

  • State Farm: $2,047 per year for teen girls; Allstate: $2,283 per year for teen boys
  • Allstate: $2,151 for teen girls; State Farm: $2,555 for teen boys

Farmers offers Oklahoma City teen drivers the most expensive annual rates at an average of $3,034 for teen girls and $3,220 for teen boys.

Rates are usually higher for teen boys because they are riskier drivers. However, rates begin to even out as teens mature into young adults.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$1,184

$2,173

State Farm

$1,295

$2,376

State Farm

$1,335

$2,391

State Farm

$1,346

$2,781

State Farm

$1,389

$2,548

State Farm

$1,423

$2,977

State Farm

$1,484

$2,658

State Farm

$1,557

$3,215

Allstate

$1,565

$2,520

Allstate

$1,580

$2,040

Farmers

$1,593

$2,543

Allstate

$1,600

$2,065

State Farm

$1,603

$3,731

State Farm

$1,603

$3,354

State Farm

$1,613

$2,889

GEICO

$1,615

$3,224

Farmers

$1,641

$2,679

Allstate

$1,644

$2,122

GEICO

$1,651

$2,203

Allstate

$1,652

$2,872

Allstate

$1,654

$5,057

GEICO

$1,685

$2,339

State Farm

$1,710

$3,522

Allstate

$1,713

$2,419

Allstate

$1,754

$2,265

GEICO

$1,760

$3,476

Allstate

$1,766

$2,280

State Farm

$1,807

$4,210

Allstate

$1,832

$2,642

GEICO

$1,836

$2,449

Allstate

$1,847

$2,975

Progressive

$1,852

$3,111

Allstate

$1,855

$3,470

GEICO

$1,893

$2,628

Allstate

$1,913

$2,470

GEICO

$1,918

$2,947

Allstate

$1,922

$6,298

GEICO

$1,941

$2,589

GEICO

$1,950

$3,163

Progressive

$1,957

$2,530

State Farm

$1,972

$4,595

GEICO

$1,973

$2,739

State Farm

$1,976

$4,072

Allstate

$2,011

$3,999

Progressive

$2,034

$2,430

State Farm

$2,038

$4,746

State Farm

$2,047

$5,344

GEICO

$2,059

$8,827

Allstate

$2,080

$3,616

GEICO

$2,090

$8,669

Progressive

$2,096

$3,797

Allstate

$2,099

$6,416

Allstate

$2,151

$8,254

Progressive

$2,156

$2,788

GEICO

$2,156

$8,947

GEICO

$2,185

$5,225

Progressive

$2,186

$2,610

Farmers

$2,219

$4,610

Progressive

$2,240

$2,909

State Farm

$2,248

$5,202

GEICO

$2,263

$5,253

Progressive

$2,276

$3,375

Allstate

$2,279

$7,467

Allstate

$2,283

$8,676

Progressive

$2,304

$2,752

GEICO

$2,324

$4,640

Progressive

$2,326

$9,851

Farmers

$2,349

$5,069

Farmers

$2,369

$4,387

GEICO

$2,369

$4,680

Progressive

$2,380

$3,077

Farmers

$2,462

$5,554

Progressive

$2,476

$4,962

Farmers

$2,492

$4,827

Farmers

$2,492

$5,178

Progressive

$2,497

$10,682

Progressive

$2,516

$10,872

State Farm

$2,544

$5,887

Farmers

$2,546

$4,065

State Farm

$2,555

$6,648

Farmers

$2,561

$5,939

Farmers

$2,579

$11,357

Farmers

$2,581

$5,571

Farmers

$2,588

$4,133

Progressive

$2,623

$4,407

Progressive

$2,639

$5,601

Farmers

$2,642

$4,312

Progressive

$2,645

$11,201

Progressive

$2,679

$11,640

Farmers

$2,718

$12,247

Farmers

$2,725

$4,447

Progressive

$2,728

$4,941

GEICO

$2,766

$16,813

Progressive

$2,826

$12,208

Farmers

$2,828

$12,455

GEICO

$2,926

$15,432

Farmers

$3,001

$13,519

Farmers

$3,034

$16,274

GEICO

$3,119

$13,368

Farmers

$3,220

$17,749

Car insurance for teens can cost a fortune, especially if they buy an individual policy. MoneyGeek recommends shopping around for cheap car insurance for teens and adding teens to a family policy in order to save.

On a family policy, a 16-year-old teen boy in Oklahoma City pays around $2,391 per year. Getting an individual policy costs nearly three times as much at $6,344 per year.

Cheapest Car Insurance in Oklahoma City for Military Drivers

MoneyGeek ranked insurers for the cheapest auto insurance for military members and their families. The following insurers ranked as the most affordable in Oklahoma City:

  • USAA: $610 per year
  • State Farm: $695 per year

USAA consistently ranks as the best insurer for military drivers as its coverages and discounts are tailored to their needs.

USAA and State Farm also have the lowest rates for minimum coverage, averaging $223 and $284 per year, respectively.

Company
Annual Premium
Monthly Premium

USAA

$223

$19

USAA

$243

$20

State Farm

$268

$22

USAA

$279

$23

State Farm

$284

$24

Progressive

$292

$24

Progressive

$315

$26

State Farm

$346

$29

Mercury

$359

$30

Progressive

$379

$32

GEICO

$454

$38

Mercury

$459

$38

Mercury

$463

$39

GEICO

$495

$41

Shelter

$502

$42

GEICO

$504

$42

Oklahoma Farm Bureau

$544

$45

Allstate

$567

$47

Allstate

$568

$47

Farmers

$572

$48

Farmers

$592

$49

Oklahoma Farm Bureau

$605

$50

USAA

$609

$51

USAA

$610

$51

Allstate

$623

$52

State Farm

$628

$52

Shelter

$640

$53

Home State Ins Group

$675

$56

State Farm

$695

$58

Farmers

$705

$59

Home State Ins Group

$721

$60

USAA

$744

$62

Home State Ins Group

$771

$64

Mercury

$876

$73

State Farm

$879

$73

GEICO

$909

$76

GEICO

$912

$76

Progressive

$925

$77

Allstate

$978

$81

Shelter

$982

$82

Oklahoma Farm Bureau

$988

$82

Mercury

$1,019

$85

GEICO

$1,024

$85

Allstate

$1,034

$86

Allstate

$1,037

$86

Progressive

$1,065

$89

Farmers

$1,075

$90

Shelter

$1,091

$91

Oklahoma Farm Bureau

$1,139

$95

Farmers

$1,143

$95

Mercury

$1,178

$98

Oklahoma Farm Bureau

$1,324

$110

Progressive

$1,332

$111

Farmers

$1,378

$115

Shelter

$1,393

$116

Home State Ins Group

$1,538

$128

Home State Ins Group

$1,580

$132

Home State Ins Group

$1,726

$144

Oklahoma Farm Bureau

$1,928

$161

Shelter

$2,091

$174

How to Compare Cheap Oklahoma City Car Insurance Quotes Online

Getting a car insurance quote online takes 15 minutes or more for just one insurer. Drivers need to provide personal information to go through the application process.

MoneyGeek’s online calculator will quickly give you a cost estimate based on age, vehicle type, coverage level and driving record.

Each policy year, it’s a good idea to revisit your insurance policy and shop for coverage that suits your current financial situation and needs.

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Best Car Insurance in Oklahoma City: Summary

The best car insurance in Oklahoma (and in Oklahoma City) can vary depending on your needs and priorities. Since coverage requirements and budget are unique, the best company will depend on how much a driver values cost, service coverage and other factors.

MoneyGeek’s review of insurers in Oklahoma City considers the following companies as the best for each general category:

  • Best overall: State Farm (MoneyGeek score of 76 out of 100)
  • Best for service: Shelter (MoneyGeek score of 68 out of 100)
  • Best cheap: State Farm (MoneyGeek score of 78 out of 100)

A company’s overall MoneyGeek score can change as the weight of factors is adjusted in each category.

USAA auto insurance, which scored 85 out of 100, ranked as the best car insurance provider for veterans and military members.

Best Overall Car Insurance in Oklahoma City

Overall, the best car insurance companies in Oklahoma City are the following:

  • State Farm: MoneyGeek score of 76 out of 100 ($695 per year)
  • GEICO: MoneyGeek score of 68 out of 100 ($912 per year)

State Farm ranked first for affordability and second for customer satisfaction in Oklahoma City, making it the best overall insurer.

Aside from these two insurers, USAA auto insurance (MoneyGeek score of 85 out of 100) is another option worth considering if you have a military background.

How was this MoneyGeek score calculated?

State Farm

pros

Ranks #1 for affordability

Ranks #2 for customer satisfaction

Offers rental car reimbursement and roadside assistance

cons

Few coverage options available

Ranks #6 out of 7 insurers for claims management

COMPANY HIGHLIGHTS

State Farm auto insurance earned an overall MoneyGeek score of 76 out of 100. Full coverage policies from this insurer cost $695 per year, making it the cheapest insurer in Oklahoma City.

One drawback of State Farm is that it offers very few add-on coverage options. That said, you can get rental car reimbursement coverage, which pays for rental car expenses up to your chosen limits. It also covers travel expenses of up to $500 and deductible repayment at the same limits if you cause an accident in your rental car.

You can also sign up for State Farm’s roadside assistance, which helps get your stranded car back on the road. It pays for mechanical labor, towing, tire changes, locksmith labor and more.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Oklahoma City for Customer Service

Without considering cost, the following insurers earned the highest overall MoneyGeek score in Oklahoma City for the best customer service:

  • Shelter: MoneyGeek score of 68 out of 100 ($1,393 per year)
  • State Farm: MoneyGeek score of 58 out of 100 ($695 per year)

Out of seven insurers, Shelter earned the highest scores for claims management, coverage options and customer satisfaction. However, its policies tend to be expensive, so you’ll need to pay a high price to get the best possible customer service.

How was this MoneyGeek score calculated?

Shelter

pros

High scores for claims management and customer satisfaction

Several add-on coverages available

cons

Does not offer accident forgiveness or deductible modification

COMPANY HIGHLIGHTS

Shelter auto insurance has an excellent reputation for customer satisfaction and claims management, making it the best option for drivers who prioritize service quality. However, at $1,393 per year, premiums for Shelter policies are much more expensive than most competitors.

Shelter offers most common coverage options, including new car replacement coverage. This coverage ensures that your car is replaced with a brand-new car of the same make and model if it is totaled within one year and has less than 15,000 miles. Even better is the fact that Shelter includes new car replacement coverage in its policies, whereas most competitors make you pay extra.

Shelter policyholders can add gap insurance to their plans. If your car is totaled and your collision coverage doesn’t cover the amount you still owe on your loan or lease, Shelter will pay for the difference.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance in Oklahoma City

Based on MoneyGeek’s analysis, the following companies provide the best combination of affordability and service quality for minimum coverage in Oklahoma City:

  • State Farm: MoneyGeek score of 78 out of 100 ($284 per year)
  • Progressive: MoneyGeek score of 75 out of 100 ($315 per year)

The cheapest minimum coverage in Oklahoma City will have the lowest rates. However, this policy provides limited protection for third-party liability costs and no protection for your own vehicle.

How was this MoneyGeek score calculated?

State Farm

pros

An affordable minimum coverage policy costs $284 per year

Offers discounts for bundling, multiple cars and seatbelt use

High customer satisfaction score

cons

Mediocre claims management score

COMPANY HIGHLIGHTS

State Farm has the cheapest car insurance policies in Oklahoma City, and it also earns high scores for customer satisfaction. This combination of attributes makes State Farm an easy choice for the best cheap insurer in OKC.

With State Farm, you can access many common discounts, including those for bundling home and auto insurance, insuring multiple cars and driving safely. It also provides discounts for airbags, anti-theft systems and completing a defensive driving or driver’s education course.

State Farm also offers some rare discounts, such as affinity discounts for teachers, federal employees, military members deployed in emergencies and members of specific alumni organizations, fraternities, sororities and professional organizations.

Finally, you can even get discounts for always using your seatbelt or having daytime running lights.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Oklahoma City

The average annual cost of full coverage car insurance in Oklahoma City is $1,103 as of October 2022. Comparing this to the average cost of car insurance in Oklahoma ($1,040 per year), Oklahoma City drivers pay around $63 more annually. Meanwhile, the national average cost of car insurance ($1,265 per year) is $162 more than the average rate in Oklahoma City.

Location is one of several important factors that affect your car insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.