What is the best car insurance company in Oklahoma?

The best car insurance company in Oklahoma will vary based on your wants and needs. Factors to consider when you’re looking for the right carrier include your age, driving record, budget and type of vehicle. Older drivers with a domestic compact car, for instance, may have more affordable options available than a young driver in a foreign sports car. The best insurance company in Oklahoma may also depend on which discounts are offered. Students and people who belong to certain professional associations may want to narrow their search to insurers who offer them a break on premiums.

What is the cheapest car insurance company in Oklahoma?

Bankrate found that Mercury is often the cheapest car insurance company in Oklahoma. Geico has the lowest average rates for both minimum coverage and full coverage in the Sooner State, charging an average of $274 per year for minimum coverage. Keep in mind that you may not qualify for the lowest advertised rates or even the average rate. Car insurance rates are personalized based on your circumstances, and each company also has unique calculations for rating policies.

Is car insurance mandatory in Oklahoma?

Yes, car insurance is mandatory in Oklahoma, as it is in most states. Oklahoma car insurance laws require that drivers have a car insurance policy with at least the following minimum coverage types and limits: $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident While these are the minimum limits to drive legally, most insurance professionals recommend that you buy higher liability limits for more financial protection. Additionally, if you have a loan or lease, you’ll likely be required to carry full coverage.

What are the penalties for driving uninsured in Oklahoma?

The penalties for driving without insurance coverage in Oklahoma include license suspension, up to 30 days of jail and up to $250 in fines. Your vehicle may also be impounded and there may be a fee to retrieve it. If you’re in an accident without insurance, you’ll also be responsible for the cost of damages and injuries that you cause. If you’re unable to pay, that could lead to a lawsuit and court costs.

How much is car insurance per month in Oklahoma?

The monthly price you pay for car insurance in Oklahoma depends on a lot of things, like the type of coverage you purchase, your policy limits, your insurance provider’s rates, your discounts, the type of vehicle you drive, your location, your driving record and even your credit history. To give you a rough idea of what you might pay, Oklahomans pay an average of $229 per month for full coverage or $47 per month for a minimum coverage policy.

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Average cost of car insurance in Oklahoma for 2025

Written by

Ashlyn Brooks

Edited by

Lisa McArdle

Edited by

Lisa McArdle

Updated May 01, 2025

The average cost of full coverage auto insurance in Oklahoma is $2,749 annually, while the average cost of minimum coverage in the state is $565 annually.

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How much is car insurance in Oklahoma?

The average cost of car insurance in Oklahoma is $565 per year for minimum coverage and $2,749 for full coverage, according to premium data from Quadrant Information Services. In comparison, the national average for car insurance annually is $808 for minimum coverage and $2,692 for full coverage. However, these prices are only averages, and it’s important to remember that how much you'll pay depends on more than just where you live. Car insurance rates in Oklahoma will vary from driver to driver based on the insurance provider you choose, your personal rating factors and the underwriting algorithm insurers use to determine your rate.

Key takeaways

In Oklahoma, the average monthly cost for full coverage car insurance is $229, while minimum coverage averages at $47.
Young drivers, specifically 18-year-olds, can potentially pay 36 percent less for car insurance in Oklahoma by remaining on their parents' policy.
Receiving a speeding ticket in Oklahoma could lead to a change of up to 18 percent more in car insurance premiums.
The average cost of car insurance in Oklahoma is cut almost in half once a driver reaches the age of 25.

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Oklahoma car insurance rates by city

The city you live in also plays a large role in your car insurance premiums. Larger cities tend to have higher premiums since more vehicles on the road usually means a higher likelihood of accidents. Larger cities may also have higher costs of living, which can drive up claims costs. The crime rate in your city and the accident statistics in your area are some data points that may be factored into calculating your premium. Additionally, your ZIP code, driving record, age and marital status and the age and type of your vehicle all play a role.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Tishomingo	$2,741	-0%
Altus	$2,584	-6%
Devol	$2,694	-2%
Duncan	$2,574	-7%
Gould	$2,692	-2%
Loveland	$2,632	-4%
Bessie	$2,549	-8%
Hobart	$2,716	-1%
Seiling	$2,640	-4%
Willow	$2,669	-3%
Alva	$2,602	-5%
Waynoka	$2,672	-3%
Wheatland	$2,902	+5%
Wynnewood	$2,678	-3%
Oklahoma City	$2,945	+7%
Rocky	$2,597	-6%
Enid	$2,468	-11%
Freedom	$2,625	-5%
Laverne	$2,663	-3%
Claremore	$2,583	-6%
Glenpool	$2,741	-0%
Purcell	$2,723	-1%
Douglas	$2,537	-8%
Loyal	$2,633	-4%
Southard	$2,597	-6%
Fargo	$2,627	-5%
Vici	$2,657	-3%
Edmond	$2,750	+0%
Spencer	$2,897	+5%
Wayne	$2,747	-0%
Tuttle	$2,731	-1%
Verden	$2,635	-4%
Perry	$2,550	-7%
Carter	$2,621	-5%
Crawford	$2,633	-4%
Elk City	$2,604	-5%
Erick	$2,690	-2%
Foss	$2,611	-5%
Carmen	$2,588	-6%
Fairview	$2,583	-6%
Goltry	$2,573	-7%
Helena	$2,621	-5%
Kingfisher	$2,646	-4%
Lucien	$2,554	-7%
Pond Creek	$2,617	-5%
Buffalo	$2,664	-3%
Chester	$2,640	-4%
Broken Bow	$2,821	+3%
Seminole	$2,705	-2%
Saint Louis	$2,711	-1%
Wewoka	$2,698	-2%
Monroe	$2,706	-2%
Jenks	$2,730	-1%
Ochelata	$2,506	-9%
Stillwater	$2,554	-7%
Tulsa	$2,956	+7%
Balko	$2,592	-6%
Goodwell	$2,526	-8%
Bixby	$2,731	-1%
Collinsville	$2,590	-6%
Kellyville	$2,612	-5%
Mannford	$2,627	-5%
Milfay	$2,654	-3%
Perkins	$2,581	-6%
Skiatook	$2,636	-4%
Avant	$2,629	-4%
Bartlesville	$2,459	-11%
Copan	$2,478	-10%
Depew	$2,616	-5%
Prue	$2,638	-4%
Sapulpa	$2,651	-4%
Terlton	$2,647	-4%
Sentinel	$2,658	-3%
Texola	$2,608	-5%
Aline	$2,610	-5%
Drummond	$2,543	-8%
Longdale	$2,625	-5%
Okeene	$2,607	-5%
Ringwood	$2,589	-6%
Woodward	$2,626	-5%
Ramona	$2,511	-9%
Stroud	$2,678	-3%
Caddo	$2,720	-1%
Hugo	$2,719	-1%
Kenefic	$2,685	-2%
Agra	$2,745	-0%
Allen	$2,675	-3%
Atwood	$2,741	-0%
Tryon	$2,771	+1%
Weleetka	$2,713	-1%
Barnsdall	$2,606	-5%
Delaware	$2,642	-4%
Mounds	$2,693	-2%
Haworth	$2,755	+0%
Pickens	$2,760	+0%
Ringold	$2,672	-3%
Asher	$2,729	-1%
Meeker	$2,741	-0%
Keota	$2,662	-3%
Poteau	$2,652	-4%
Sallisaw	$2,626	-5%
Weatherford	$2,513	-9%
Bluejacket	$2,603	-5%
Grove	$2,571	-7%
Miami	$2,592	-6%
Rose	$2,609	-5%
Gore	$2,588	-6%
Spiro	$2,669	-3%
Vinita	$2,600	-6%
Eucha	$2,625	-5%
Disney	$2,625	-5%
Fairland	$2,585	-6%
Jay	$2,596	-6%
North Miami	$2,585	-6%
Pryor	$2,569	-7%
Quapaw	$2,632	-4%
Henryetta	$2,663	-3%
Putnam	$2,575	-7%
Thomas	$2,528	-8%
Ames	$2,589	-6%
Dacoma	$2,632	-4%
Connerville	$2,792	+2%
Earlsboro	$2,756	+0%
Hanna	$2,709	-1%
Mill Creek	$2,733	-1%
Prague	$2,742	-0%
Moffett	$2,734	-1%
Muse	$2,720	-1%
Roland	$2,600	-6%
Fox	$2,626	-5%
Graham	$2,633	-4%
Overbrook	$2,682	-2%
Velma	$2,585	-6%
Manitou	$2,635	-4%
Terral	$2,657	-3%
Cartwright	$2,661	-3%
Soper	$2,774	+1%
Shawnee	$2,734	-1%
Carney	$2,772	+1%
Cromwell	$2,721	-1%
Francis	$2,657	-3%
Mcloud	$2,802	+2%
Sasakwa	$2,680	-3%
Stratford	$2,652	-4%
Wellston	$2,786	+1%
Cameron	$2,633	-4%
Bradley	$2,708	-1%
Calumet	$2,704	-2%
Coyle	$2,699	-2%
Fort Cobb	$2,619	-5%
Langston	$2,733	-1%
Morrison	$2,663	-3%
Norman	$2,738	-0%
Hennepin	$2,661	-3%
Ravia	$2,702	-2%
Lawton	$2,581	-6%
Elgin	$2,554	-7%
Granite	$2,698	-2%
Headrick	$2,614	-5%
Martha	$2,658	-3%
Countyline	$2,617	-5%
Healdton	$2,633	-4%
Leon	$2,678	-3%
Mannsville	$2,720	-1%
Marietta	$2,622	-5%
Mead	$2,670	-3%
Ratliff City	$2,637	-4%
Cache	$2,570	-7%
Fletcher	$2,553	-7%
Frederick	$2,602	-5%
Meers	$2,604	-5%
Olustee	$2,656	-3%
Coleman	$2,765	+1%
Lone Grove	$2,627	-5%
Wilson	$2,652	-4%
Hollis	$2,751	+0%
Snyder	$2,665	-3%
Tipton	$2,626	-5%
Walters	$2,647	-4%
Foster	$2,606	-5%
Madill	$2,610	-5%
Wapanucka	$2,780	+1%
Medicine Park	$2,550	-7%
Mountain Park	$2,653	-4%
Ryan	$2,705	-2%
Faxon	$2,567	-7%
Randlett	$2,677	-3%
Temple	$2,674	-3%
Arapaho	$2,528	-8%
Canute	$2,627	-5%
Burlington	$2,600	-6%
Covington	$2,517	-9%
Meno	$2,564	-7%
Okarche	$2,657	-3%
Watonga	$2,596	-6%
Fort Supply	$2,647	-4%
Gage	$2,616	-5%
Adams	$2,604	-5%
Ardmore	$2,620	-5%
Kingston	$2,614	-5%
Davidson	$2,644	-4%
Duke	$2,695	-2%
Eldorado	$2,647	-4%
Grandfield	$2,614	-5%
Vinson	$2,703	-2%
Burns Flat	$2,647	-4%
Ringling	$2,663	-3%
Fort Sill	$2,565	-7%
Comanche	$2,631	-4%
Oscar	$2,679	-3%
Roosevelt	$2,670	-3%
Colbert	$2,640	-4%
Fitzhugh	$2,681	-2%
Wanette	$2,780	+1%
Howe	$2,679	-3%
Wister	$2,671	-3%
Vian	$2,613	-5%
Kansas	$2,597	-6%
Langley	$2,602	-5%
Oaks	$2,640	-4%
Salina	$2,578	-6%
Strang	$2,567	-7%
Checotah	$2,570	-7%
Piedmont	$2,766	+1%
Watts	$2,642	-4%
Westville	$2,627	-5%
Gene Autry	$2,628	-4%
Milburn	$2,771	+1%
Tatums	$2,646	-4%
Blair	$2,620	-5%
Hastings	$2,686	-2%
Indiahoma	$2,569	-7%
Sterling	$2,576	-6%
Waurika	$2,659	-3%
Watson	$2,786	+1%
Shady Point	$2,671	-3%
Elmore City	$2,652	-4%
Lebanon	$2,617	-5%
Loco	$2,651	-4%
Springer	$2,623	-5%
Thackerville	$2,613	-5%
Tussy	$2,623	-5%
Addington	$2,698	-2%
Altus Afb	$2,613	-5%
Chattanooga	$2,563	-7%
Elmer	$2,627	-5%
Hollister	$2,620	-5%
Clinton	$2,527	-8%
Concho	$2,743	-0%
Hydro	$2,570	-7%
Lexington	$2,773	+1%
Maysville	$2,636	-4%
Mustang	$2,772	+1%
Felt	$2,573	-7%
Tyrone	$2,575	-7%
Cleveland	$2,660	-3%
Inola	$2,560	-7%
Leonard	$2,695	-2%
Oologah	$2,532	-8%
Osage	$2,622	-5%
Wann	$2,591	-6%
Yale	$2,644	-4%
Bethany	$2,890	+5%
Dougherty	$2,655	-3%
El Reno	$2,720	-1%
Geary	$2,657	-3%
Mountain View	$2,704	-2%
Cement	$2,597	-6%
Chickasha	$2,645	-4%
Cyril	$2,590	-6%
Gotebo	$2,653	-4%
Guthrie	$2,740	-0%
Newcastle	$2,762	+1%
Durham	$2,626	-5%
Fay	$2,639	-4%
Taloga	$2,631	-4%
Fairmont	$2,538	-8%
Hillsdale	$2,590	-6%
Hopeton	$2,635	-4%
Kremlin	$2,573	-7%
Waukomis	$2,565	-7%
Arnett	$2,646	-4%
Gate	$2,644	-4%
Sharon	$2,626	-5%
Butler	$2,578	-6%
Yukon	$2,753	+0%
Custer City	$2,611	-5%
Sayre	$2,652	-4%
Bison	$2,544	-8%
Canton	$2,626	-5%
Cherokee	$2,588	-6%
Garber	$2,532	-8%
Nash	$2,580	-6%
Camargo	$2,627	-5%
Forgan	$2,606	-5%
Broken Arrow	$2,804	+2%
Union City	$2,689	-2%
Guymon	$2,544	-8%
Drumright	$2,620	-5%
Kiefer	$2,654	-3%
Owasso	$2,572	-7%
Slick	$2,693	-2%
Blanchard	$2,752	+0%
Jones	$2,847	+4%
Meridian	$2,759	+0%
Pocasset	$2,689	-2%
Rush Springs	$2,675	-3%
Caney	$2,776	+1%
Kiowa	$2,706	-2%
Lane	$2,785	+1%
Kaw City	$2,643	-4%
Achille	$2,694	-2%
Battiest	$2,732	-1%
Bunch	$2,619	-5%
Gans	$2,620	-5%
Wyandotte	$2,582	-6%
Fort Gibson	$2,645	-4%
Hitchita	$2,650	-4%
Chouteau	$2,566	-7%
Cushing	$2,607	-5%
Jennings	$2,652	-4%
Maramec	$2,568	-7%
Oilton	$2,673	-3%
Sperry	$2,679	-3%
Boise City	$2,588	-6%
Hooker	$2,550	-7%
Keyes	$2,584	-6%
Spavinaw	$2,574	-7%
Council Hill	$2,609	-5%
Amber	$2,676	-3%
Colony	$2,591	-6%
Gracemont	$2,624	-5%
Ninnekah	$2,667	-3%
Blanco	$2,677	-3%
Finley	$2,842	+3%
Moyers	$2,780	+1%
Red Oak	$2,730	-1%
Snow	$2,799	+2%
Ponca City	$2,651	-4%
Braman	$2,693	-2%
Lamont	$2,617	-5%
Shidler	$2,623	-5%
Catoosa	$2,611	-5%
Glencoe	$2,574	-7%
Pawhuska	$2,626	-5%
Pawnee	$2,713	-1%
Ketchum	$2,606	-5%
Braggs	$2,602	-5%
Crowder	$2,680	-3%
Cheyenne	$2,671	-3%
Davis	$2,642	-4%
Harrah	$2,827	+3%
Lookeba	$2,601	-6%
Crescent	$2,759	+0%
Luther	$2,821	+3%
Minco	$2,674	-3%
Beaver	$2,577	-6%
Kenton	$2,564	-7%
Chelsea	$2,617	-5%
Shamrock	$2,697	-2%
S Coffeyville	$2,585	-6%
Talala	$2,575	-7%
Vera	$2,515	-9%
Carnegie	$2,629	-4%
Choctaw	$2,851	+4%
Corn	$2,532	-8%
Eakly	$2,574	-7%
Marlow	$2,597	-6%
Albert	$2,634	-4%
Arcadia	$2,742	-0%
Greenfield	$2,597	-6%
Albany	$2,723	-1%
Burneyville	$2,646	-4%
Geronimo	$2,599	-6%
Mangum	$2,750	+0%
Garvin	$2,769	+1%
Golden	$2,765	+1%
Ada	$2,621	-5%
Konawa	$2,695	-2%
Roff	$2,659	-3%
Arkoma	$2,676	-3%
Mccurtain	$2,729	-1%
Paoli	$2,636	-4%
Wagoner	$2,603	-5%
Webbers Falls	$2,627	-5%
Daisy	$2,786	+1%
Quinton	$2,683	-2%
Blackwell	$2,641	-4%
Fairfax	$2,659	-3%
Durant	$2,644	-4%
Boswell	$2,743	-0%
Calera	$2,653	-4%
Idabel	$2,780	+1%
Kemp	$2,717	-1%
Millerton	$2,736	-0%
Rufe	$2,675	-3%
Spencerville	$2,702	-2%
Valliant	$2,783	+1%
Wright City	$2,757	+0%
Byars	$2,751	+0%
Castle	$2,687	-2%
Chandler	$2,717	-1%
Holdenville	$2,710	-1%
Muldrow	$2,625	-5%
Antlers	$2,864	+4%
Atoka	$2,821	+3%
Wilburton	$2,671	-3%
Hunter	$2,578	-6%
Stidham	$2,647	-4%
Wainwright	$2,635	-4%
Kinta	$2,736	-0%
Nashoba	$2,781	+1%
Nardin	$2,643	-4%
Ralston	$2,579	-6%
Red Rock	$2,585	-6%
Bennington	$2,742	-0%
Alex	$2,718	-1%
Anadarko	$2,586	-6%
Apache	$2,590	-6%
Binger	$2,631	-4%
Lindsay	$2,644	-4%
Noble	$2,742	-0%
Morris	$2,659	-3%
Okmulgee	$2,667	-3%
Porum	$2,611	-5%
Tahlequah	$2,645	-4%
May	$2,633	-4%
Rosston	$2,643	-4%
Texhoma	$2,554	-7%
Bristow	$2,634	-4%
Hominy	$2,651	-4%
Lenapah	$2,624	-5%
Ripley	$2,580	-6%
Wynona	$2,595	-6%
Foyil	$2,627	-5%
Sand Springs	$2,684	-2%
Preston	$2,716	-1%
Schulter	$2,678	-3%
Clayton	$2,832	+3%
Savanna	$2,697	-2%
Tupelo	$2,775	+1%
Wardville	$2,763	+1%
Cordell	$2,558	-7%
Hammon	$2,646	-4%
Lone Wolf	$2,704	-2%
Sweetwater	$2,644	-4%
Hennessey	$2,599	-6%
Hitchcock	$2,614	-5%
Isabella	$2,579	-6%
Manchester	$2,611	-5%
Wakita	$2,642	-4%
Dill City	$2,605	-5%
Oakwood	$2,577	-6%
Amorita	$2,628	-4%
Carrier	$2,575	-7%
Dover	$2,634	-4%
Lahoma	$2,566	-7%
Medford	$2,597	-6%
Mooreland	$2,637	-4%
Proctor	$2,664	-3%
Hartshorne	$2,668	-3%
Lehigh	$2,805	+2%
Talihina	$2,741	-0%
Whitesboro	$2,720	-1%
Burbank	$2,625	-5%
Deer Creek	$2,640	-4%
Bokchito	$2,696	-2%
Muskogee	$2,625	-5%
Coweta	$2,671	-3%
Indianola	$2,672	-3%
Taft	$2,651	-4%
Whitefield	$2,711	-1%
Mcalester	$2,611	-5%
Pittsburg	$2,693	-2%
Peggs	$2,670	-3%
Pauls Valley	$2,633	-4%
Sulphur	$2,680	-3%
Washington	$2,755	+0%
Porter	$2,655	-3%
Welling	$2,631	-4%
Blocker	$2,654	-3%
Bromide	$2,764	+1%
Calvin	$2,765	+1%
Centrahoma	$2,782	+1%
Coalgate	$2,854	+4%
Hulbert	$2,649	-4%
Eagletown	$2,729	-1%
Platter	$2,692	-2%
Maud	$2,731	-1%
Okemah	$2,669	-3%
Paden	$2,668	-3%
Stonewall	$2,668	-3%
Fort Towson	$2,781	+1%
Hendrix	$2,704	-2%
Swink	$2,772	+1%
Boley	$2,666	-3%
Dustin	$2,728	-1%
Lamar	$2,685	-2%
Wetumka	$2,681	-2%
Pocola	$2,673	-3%
Reydon	$2,640	-4%
Cleo Springs	$2,581	-6%
Jet	$2,600	-6%
Mutual	$2,665	-3%
Shattuck	$2,641	-4%
Cashion	$2,687	-2%
Marshall	$2,679	-3%
Mulhall	$2,680	-3%
Orlando	$2,667	-3%
Fittstown	$2,667	-3%
Beggs	$2,697	-2%
Cookson	$2,631	-4%
Dewar	$2,698	-2%
Eufaula	$2,612	-5%
Grant	$2,701	-2%
Sawyer	$2,769	+1%
Tecumseh	$2,763	+1%
Lequire	$2,748	-0%
Marble City	$2,680	-3%
Cardin	$2,624	-5%
Colcord	$2,582	-6%
Picher	$2,609	-5%
Welch	$2,615	-5%
Canadian	$2,632	-4%
Smithville	$2,731	-1%
Stilwell	$2,666	-3%
Warner	$2,643	-4%
Albion	$2,745	-0%
Alderson	$2,694	-2%
Rattan	$2,862	+4%
Bethel	$2,694	-2%
Moodys	$2,642	-4%
Oktaha	$2,577	-6%
Stigler	$2,675	-3%
Gowen	$2,733	-1%
Kiamichi Christian Mission	$2,736	-0%
Krebs	$2,679	-3%
Marland	$2,581	-6%
Newkirk	$2,655	-3%
Clarita	$2,812	+2%
Haileyville	$2,708	-1%
Panola	$2,698	-2%
Stringtown	$2,839	+3%
Stuart	$2,760	+0%
Tuskahoma	$2,717	-1%
Billings	$2,603	-5%
Tonkawa	$2,666	-3%
Afton	$2,610	-5%
Commerce	$2,561	-7%
Locust Grove	$2,605	-5%
Okay	$2,655	-3%
Park Hill	$2,651	-4%
Redbird	$2,676	-3%
Rentiesville	$2,643	-4%
Macomb	$2,771	+1%
Newalla	$2,847	+4%
Sparks	$2,664	-3%
Bokoshe	$2,621	-5%
Heavener	$2,684	-2%
Hodgen	$2,686	-2%
Leflore	$2,700	-2%
Panama	$2,680	-3%
Hardesty	$2,612	-5%
Turpin	$2,588	-6%
Davenport	$2,705	-2%
Dewey	$2,465	-11%
Hallett	$2,643	-4%
Nowata	$2,604	-5%
Leedey	$2,641	-4%
Omega	$2,646	-4%
Adair	$2,554	-7%
Big Cabin	$2,632	-4%
Twin Oaks	$2,589	-6%
Boynton	$2,658	-3%
Haskell	$2,645	-4%
Hoyt	$2,703	-2%

Average car insurance costs by age and gender in Oklahoma

Both a driver’s age and gender impact insurance premiums in Oklahoma. Young drivers are statistically more likely to get into accidents, which means that car insurance companies typically charge higher rates to compensate for the risk.

We’ve analyzed average Oklahoma car insurance rates for a variety of driver ages. These rates are for drivers with a clean driving record. Outside of rates for a young driver added to their parents’ policy, the rates shared in the tables below are calculated averages for drivers on their own policy.

Age 40

Average annual full coverage premium in OK

$2,776

Average minimum coverage premium in OK

$561

Age 50

Average annual full coverage premium in OK

$2,567

Average minimum coverage premium in OK

$527

Age 60

Average annual full coverage premium in OK

$2,466

Average minimum coverage premium in OK

$521

Age 70

Average annual full coverage premium in OK

$2,682

Average minimum coverage premium in OK

$614


Age 16*	Average annual full coverage premium in OK $6,024	Average minimum coverage premium in OK $1,579
Age 18	Average annual full coverage premium in OK $8,809	Average minimum coverage premium in OK $2,193
Age 20	Average annual full coverage premium in OK $5,898	Average minimum coverage premium in OK $1,382
Age 25	Average annual full coverage premium in OK $3,415	Average minimum coverage premium in OK $733
Age 30	Average annual full coverage premium in OK $2,991	Average minimum coverage premium in OK $606
Age 40	Average annual full coverage premium in OK $2,776	Average minimum coverage premium in OK $561
Age 50	Average annual full coverage premium in OK $2,567	Average minimum coverage premium in OK $527
Age 60	Average annual full coverage premium in OK $2,466	Average minimum coverage premium in OK $521
Age 70	Average annual full coverage premium in OK $2,682	Average minimum coverage premium in OK $614

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Average annual full coverage premium in OK

$2,721

Average minimum coverage premium in OK

$568

Age 50

Average annual full coverage premium in OK

$2,512

Average minimum coverage premium in OK

$522

Age 60

Average annual full coverage premium in OK

$2,394

Average minimum coverage premium in OK

$511

Age 70

Average annual full coverage premium in OK

$2,610

Average minimum coverage premium in OK

$596


Age 16*	Average annual full coverage premium in OK $4,956	Average minimum coverage premium in OK $1,321
Age 18	Average annual full coverage premium in OK $7,406	Average minimum coverage premium in OK $1,882
Age 20	Average annual full coverage premium in OK $5,014	Average minimum coverage premium in OK $1,205
Age 25	Average annual full coverage premium in OK $3,226	Average minimum coverage premium in OK $708
Age 30	Average annual full coverage premium in OK $2,904	Average minimum coverage premium in OK $603
Age 40	Average annual full coverage premium in OK $2,721	Average minimum coverage premium in OK $568
Age 50	Average annual full coverage premium in OK $2,512	Average minimum coverage premium in OK $522
Age 60	Average annual full coverage premium in OK $2,394	Average minimum coverage premium in OK $511
Age 70	Average annual full coverage premium in OK $2,610	Average minimum coverage premium in OK $596

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: Insurance companies often use gender as one of the factors to determine car insurance rates. Generally, this is because statistical data suggests differences in risk profiles between genders. Men, particularly younger males, are typically perceived to be at a higher risk of accidents, which could influence their insurance costs. However, it's important to note that these trends can vary, and not all insurers may weigh gender the same way in determining premiums.

Cost considerations for young drivers in Oklahoma

It’s typical to add young drivers onto their parents’ policy when they first start driving. Being on their parents’ policy may allow young drivers to utilize discounts they wouldn’t otherwise qualify for, like multi-car for the other household vehicles and multi-policy savings from their parents’ other insurance products. Generally, as drivers age and gain experience on the road, rates decrease (provided they maintain a good driving record).


Age 16*	Avg. annual premium for drivers in OK $5,490
Age 17	Avg. annual premium for drivers in OK $5,065
Age 18	Avg. annual premium for drivers in OK $5,206
Age 19	Avg. annual premium for drivers in OK $4,349
Age 20	Avg. annual premium for drivers in OK $4,093

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied


Age 18	Avg. annual premium for drivers in OK $8,108
Age 19	Avg. annual premium for drivers in OK $5,951
Age 20	Avg. annual premium for drivers in OK $5,456

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	56 percent more
Age 19	37 percent more
Age 20	33 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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How does driving record impact the cost of car insurance in Oklahoma?

When there are incidents on your driving record, such as speeding, an at-fault accident or a DUI, insurers typically see you as riskier to insure and your annual premiums are likely to be higher. The following table shows the average car insurance cost in Oklahoma after a single occurrence of different traffic incidents. Keep in mind that while one traffic incident on its own may not make you a high-risk driver, more severe incidents like a DUI could, and standard coverage may not be available in all instances.


Clean driving record	Avg. annual premium* in OK $2,749	Percentage increase from OK avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in OK $3,244	Percentage increase from OK avg. annual premium* 18%
At-fault accident	Avg. annual premium* in OK $3,635	Percentage increase from OK avg. annual premium* 32%
DUI conviction	Avg. annual premium* in OK $3,984	Percentage increase from OK avg. annual premium* 45%

*The rates reflected are for full coverage policies.

Car insurance rates in Oklahoma by credit tier

Insurers may factor your credit-based insurance score in rating a driver’s overall risk potential. The better a driver’s credit history, the less likely they are assumed to file claims based on actuarial data, leading to lower average rates. Conversely, drivers with poorer credit histories tend to be considered higher risk and pay higher rates.


Poor	Avg. annual premium* in OK $5,027	Percentage change from OK average annual premium* 83%
Average	Avg. annual premium* in OK $3,007	Percentage change from OK average annual premium* 9%
Good	Avg. annual premium* in OK $2,749	Percentage change from OK average annual premium* 0%
Excellent	Avg. annual premium* in OK $2,351	Percentage change from OK average annual premium* -14%

*Rates reflect full coverage policies.

Oklahoma car insurance rates by vehicle type

The type of car you drive is a significant factor in determining how much car insurance is in Oklahoma, as it can heavily impact your premium. Vehicles that are statistically more likely to be involved in accidents or more expensive to fix will likely cost more to insure. A BMW 330i, for example, costs more to insure for full coverage than a Toyota Camry, due largely to BMWs having higher parts and labor costs to account for during repairs after an accident. We analyzed rates for a range of vehicle types to help you get a sense of what different vehicles might cost to insure.


Toyota Camry	Avg. annual premium* in OK $2,749
Ford F-150	Avg. annual premium* in OK $2,844
Honda Odyssey	Avg. annual premium* in OK $2,664
BMW 330i	Avg. annual premium* in OK $3,587
Toyota Prius	Avg. annual premium* in OK $2,836

*Rates reflect full coverage policies.

Estimate your car insurance cost in Oklahoma

With the diverse array of factors influencing car insurance rates, predicting your personal cost can often seem challenging. Recognizing this, Bankrate has developed an intuitive calculator tool to help you navigate these complexities. By inputting some fundamental personal details, this calculator provides a rough estimate of your likely monthly insurance premium. It's crucial to remember that while this tool offers valuable insight, it does not generate an exact quote. Nonetheless, it serves as a practical guide, allowing you to effectively plan and budget for your Oklahoma car insurance expenses.

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How to save on car insurance in Oklahoma

Even though car insurance in Oklahoma is already lower than the national average, you may be able to lower your premium even further. Here are some tips to help you find a lower rate:

Maintain a clean driving record: Clean driving records tell insurance providers that drivers are less risky on the road and are, therefore, statistically less likely to file claims. Insurers might reward safe drivers with better rates than drivers with incidents on their records.
Use available discounts: Most insurers offer at least a few discounts, and if you qualify for any of them, you might see significant savings on your car insurance policy. Common discounts include multi-policy, paperless billing and paid-in-full premiums.
Choose an affordable provider: The price for an insurance policy varies between providers since each weighs your personal factors using different algorithms. Even though you might request quotes for the same coverage types and amounts, rates could dramatically differ from provider to provider, which is why you may want to shop around.
Park in a protected area: Some insurers offer a discount if you park in a garage or carport, and this could be especially important in Oklahoma, where hail storms and strong winds are common and could cause damage to your vehicle.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Frequently asked questions

The best car insurance company in Oklahoma will vary based on your wants and needs. Factors to consider when you’re looking for the right carrier include your age, driving record, budget and type of vehicle. Older drivers with a domestic compact car, for instance, may have more affordable options available than a young driver in a foreign sports car. The best insurance company in Oklahoma may also depend on which discounts are offered. Students and people who belong to certain professional associations may want to narrow their search to insurers who offer them a break on premiums.
Bankrate found that Mercury is often the cheapest car insurance company in Oklahoma. Geico has the lowest average rates for both minimum coverage and full coverage in the Sooner State, charging an average of $274 per year for minimum coverage. Keep in mind that you may not qualify for the lowest advertised rates or even the average rate. Car insurance rates are personalized based on your circumstances, and each company also has unique calculations for rating policies.
Yes, car insurance is mandatory in Oklahoma, as it is in most states. Oklahoma car insurance laws require that drivers have a car insurance policy with at least the following minimum coverage types and limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
While these are the minimum limits to drive legally, most insurance professionals recommend that you buy higher liability limits for more financial protection. Additionally, if you have a loan or lease, you’ll likely be required to carry full coverage.
The penalties for driving without insurance coverage in Oklahoma include license suspension, up to 30 days of jail and up to $250 in fines. Your vehicle may also be impounded and there may be a fee to retrieve it. If you’re in an accident without insurance, you’ll also be responsible for the cost of damages and injuries that you cause. If you’re unable to pay, that could lead to a lawsuit and court costs.
The monthly price you pay for car insurance in Oklahoma depends on a lot of things, like the type of coverage you purchase, your policy limits, your insurance provider’s rates, your discounts, the type of vehicle you drive, your location, your driving record and even your credit history. To give you a rough idea of what you might pay, Oklahomans pay an average of $229 per month for full coverage or $47 per month for a minimum coverage policy.

Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

Deductible

A deductible is the amount the policyholder agrees to pay out-of-pocket before the insurance company begins to cover expenses related to a claim.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Ashlyn Brooks

Writer II, Insurance

Average cost of car insurance in Oklahoma for 2025

How much is car insurance in Oklahoma?

Key takeaways

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Oklahoma car insurance rates by city

Average car insurance costs by age and gender in Oklahoma

Cost considerations for young drivers in Oklahoma

Compare auto insurance rates

How does driving record impact the cost of car insurance in Oklahoma?

Car insurance rates in Oklahoma by credit tier

Oklahoma car insurance rates by vehicle type

Estimate your car insurance cost in Oklahoma

Calculate your monthly car insurance payment

How to save on car insurance in Oklahoma

Frequently asked questions

What is the best car insurance company in Oklahoma?

What is the cheapest car insurance company in Oklahoma?

Is car insurance mandatory in Oklahoma?

What are the penalties for driving uninsured in Oklahoma?

How much is car insurance per month in Oklahoma?

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Other profiles

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