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Average Cost of Car Insurance in Oklahoma City

Oklahoma City$1,285
Oklahoma$1,299
U.S.$1,424

Car insurance in Oklahoma City (averages around $1,285) is slightly more affordable than the statewide ($1,299 on average) and national ($1,424 on average) annual premiums. There’s not much difference between the city and state average car insurance rate, with just a 1.1% price variation between them. However, the gap is larger when compared to the national average annual premium, with the national rate being approximately 9.8% higher than Oklahoma City’s prices.

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The Best Cheap Car Insurance Companies in Oklahoma City

In Oklahoma City, GEICO is the most affordable car insurance company, with a $773 average price point for their annual premium. That’s roughly $512 cheaper than the city average, and nearly three times less expensive than MetLife, the most expensive insurer in the city. Drivers should still do some comparison shopping to find the best offer for them. However, for most drivers seeking cheap car insurance in Oklahoma City, GEICO will be the least expensive option.

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Personalized Quotes to Get You the Cheapest Car Insurance in Oklahoma City

There are several key factors that can affect car insurance quotes in Oklahoma City, which means that even if two drivers live in the same neighborhood, they may not receive the same rates. Your age, driving history, credit score, gender and ZIP code (among other factors) also influence the final rate you receive.

Therefore, it is important that you always get a personalized quote from insurance providers to see what the best offer is for you. You should also check to see if they have discounts, rebates or promos so you can get a better rate for your Oklahoma City car insurance package.

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Cheapest Car Insurance in Oklahoma City by Coverage Amount

How much car insurance coverage you purchase in Oklahoma City also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Oklahoma Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

In Oklahoma City, GEICO offers the cheapest state minimum policy at $401 per year on average. However, their full coverage with additional benefits can cost up to $773 on average. Other insurance companies also have their own set of policies that you might be interested in. Ask for personalized quotes from car insurance companies in Oklahoma City to see your options.

If all you’re looking for is basic car insurance coverage, then a state minimum liability insurance policy will suit your needs. However, if you want to have a better payout in case you get into a serious accident, it’s recommended that you get a more comprehensive insurance package.

With GEICO, there’s only an average $231 difference between their 50/100/50 liability-only policy and full coverage. There’s also just a roughly $70 gap between their 50/100/50 full-coverage and 100/300/100 full-coverage plans. Given the small difference in the annual premium rates, individuals who can afford to do so might want to get a comprehensive policy from their chosen insurer.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Oklahoma City if You Have Tickets

Your driving history is one of the main factors that affects the cost of your annual insurance. The better your driving record is, the less you likely need to pay. In Oklahoma City, GEICO has the cheapest car insurance policy (averaging $773) for people with no driving violations. As you accumulate tickets, the cost of your insurance will hike up as well.

For example, GEICO’s initial no-violations rate will increase to an average of $969 if you have a speeding ticket, $1,301 on average for at-fault accidents and roughly $1,646 for DUIs. As a driver, it is always more cost-efficient for you to drive safely, as this reduces both your risk factors and insurance costs.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,118
    $1,192
    $1,118
  • 2. USAA
    $1,027
    $1,182
    $1,452
  • $969
    $1,301
    $1,646
  • $1,241
    $1,425
    $1,366
  • $1,298
    $1,454
    $1,468
  • $1,784
    $2,380
    $1,561
  • 7. Oklahoma Farm Bureau
    $1,672
    $1,672
    $2,424
  • $1,985
    $2,308
    $1,765
  • $2,997
    $2,690
    $4,663

Average Cost of Car Insurance by Postal Code

ZIP code is another factor that influences your insurance rates. There are risk factors like car theft incidents, accidents, uninsured motorists and other location-specific qualifiers that insurers will take into consideration when generating a quote.

In Oklahoma City, the ZIP code 73160 has the cheapest annual premium at $1,264, which is $45 less expensive than people who live in ZIP code 73110. Although the difference isn’t much, it is still important that you understand how costs are calculated in order to have a good estimate of the best package for you.

  • Zip Code
    State Minimumper year
  • 73160
    $1,264
  • 73170
    $1,281
  • 73120
    $1,285
  • 73110
    $1,309

Factors That Impact Insurance Costs in Oklahoma City

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Oklahoma City. How Oklahoma City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities60th/300
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Most Car Thefts202nd/300
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Most Uninsured Motorists by State31st/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall137th/300
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Most Rainy Days187th/300

Shopping around for car insurance in Oklahoma City could save you $512, which is enough to buy:


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171Cups of Coffee
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39Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Oklahoma City are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Oklahoma City

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.