Car Insurance Calculator Oklahoma


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Get Oklahoma Car Insurance Estimates

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

$155
High
$114
Average
$64
Low

Rates updated:

May 23, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
92
/of 100
$64
2
GEICO

GEICO

74
/of 100
$94
3
Nationwide

Nationwide

88
/of 100
$104
4
67
/of 100
$127
5
Foremost

Foremost

70
/of 100
$138
6
71
/of 100
$155
Your Next Step:

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Your ZIP Code:

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Compare Auto Insurance Rates

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

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Key Takeaways

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Insurers in Oklahoma will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.

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Our car insurance costs estimates in Oklahoma can range anywhere from $503 to $1,483 per year depending on a variety of factors.

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To get the best deal on Oklahoma car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.

How To Calculate Oklahoma Car Insurance Costs and Save Money

Here are some key tips to help you shop for car insurance confidently and save money. Understand the minimum coverage requirements to make informed decisions. Explore different options to find affordable plans that meet your needs.

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    Decide Coverage Needs Beforehand

    Determine your coverage level before shopping to avoid unnecessary upselling. Consider your location, driving habits, vehicle and financial situation. Use our calculator to find out how much coverage you need.

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    Research Costs and Discounts for You

    Look into average car insurance costs in state for your chosen coverage and driver profile to assess potential savings. Explore discounts you might qualify for to discuss with agents.

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    Research the Cheapest Providers for You

    With your coverage and cost research in hand, start gathering provider estimates before finalizing quotes. This helps identify who offers the cheapest car insurance in Oklahoma for you. Use our calculator for personalized estimates.

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    Compare Multiple Providers Through Many Avenues

    Comparing providers can lead to significant savings in Oklahoma. Research shows savings up to 54% on full coverage and 57% on minimum coverage. Utilize comparison sites, independent brokers, insurer websites, and direct agencies for varied pricing.

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    Take Advantage of Oklahoma-Specific Programs

    If you're a high-risk driver, Oklahoma offers defensive driver courses that may minimize your increased rates. Insurance points differ depending on the violation.

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    Consider Non-Traditional Coverage Options

    Options like pay-per-mile insurance are ideal for less frequent drivers. Telematics insurance tracks and rewards good driving, offering up to 40% discounts. Automakers' insurance programs may also offer cost-effective and beneficial alternatives.

What Affects Your Oklahoma Car Insurance Estimates?

Your car insurance premium in Oklahoma is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Click the links below to learn more about how each affects rates for Oklahoma drivers:

How Much Does Provider Chosen Affect Oklahoma Car Insurance Estimates?

The provider you choose is the most influential factor affecting car insurance estimates and quotes in Oklahoma. Depending on the provider, your rates can drop 30% or increase by as much as 45% compared to the average for Oklahoma drivers.

LowestProgressive$69$827
HighestHome State Ins Group$142$1,709

How Much Does Age Affect Oklahoma Car Insurance Estimates?

After your provider, age is the second most important factor for determining car insurance rates for Oklahoma drivers. Depending on your age, your rates can go up as much as 130% or decrease by as much as 44% compared to state averages. Car insurance premiums are highest when you are 16, decrease until you are 65, then slightly increase.

Lowest65$95$1,138
Highest16$517$6,202

How Much Does Credit Affect Oklahoma Car Insurance Estimates?

We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in Oklahoma, rates can vary from $91 to $192 monthly for full coverage, but as your credit score goes up, your rates will go down.

LowestExcellent$91$1,095
HighestPoor$192$2,307

How Much Does Coverage Affect Oklahoma Car Insurance Estimates?

Coverage is the fourth most important factor in determining auto insurance rates in Oklahoma, causing rates to vary anywhere from $503 per year for minimum coverage to $1,483 yearly for maximum coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.

LowestState Minimum Liability Only$42$503
Highest300/500/300 Full Cov. w/$500 Ded.$124$1,483

How Much Does Driving Record Affect Oklahoma Car Insurance Estimates?

Your driving record is the fifth most influential factor changing car insurance rates in Oklahoma with rates changing up to 15%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.

LowestClean$98$1,175
HighestAccident$144$1,728

Oklahoma Car Insurance Calculator: Bottom Line

We recommend you look into costs, coverage types and insurers before using our car insurance calculator for estimates. After that, gather lots of quotes. Compare them with our numbers. Match them up to find the most affordable plan that fits you just right.

Oklahoma Car Insurance Estimate: FAQ

Below you will find answers to common questions about Oklahoma car insurance costs and estimates.

What is used to determine Oklahoma car insurance costs?

How much is Oklahoma car insurance on average?

How do I get the best car insurance in Oklahoma?

Our Oklahoma Car Insurance Estimate Methodology

For all costs and modifications of cost profiles presented, we used the following base profile:

  • 40 years old
  • Good credit
  • Drives a 2012 Toyota Camry
  • Clean driving record

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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