Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Average cost of car insurance in Oklahoma for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Oklahoma?
The average cost of car insurance in Oklahoma is $558 per year for minimum coverage and $2,631 for full coverage, according to Bankrate’s 2024 study of quoted annual premiums from Quadrant Information Services. In comparison, the national average for car insurance annually is $678 for minimum coverage and $2,458 for full coverage. However, these prices are only averages, and it’s important to remember that the cost of car insurance depends on more than just where you live. Car insurance rates in Oklahoma will vary from driver to driver based on the insurance provider, 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 $219, while minimum coverage averages at $46.
- Young drivers, specifically 18-year-olds, can potentially pay 42 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.
What would you like to do today?
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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Tishomingo | $2,604 | -1% |
| Altus | $2,440 | -8% |
| Devol | $2,554 | -3% |
| Duncan | $2,433 | -8% |
| Gould | $2,544 | -3% |
| Loveland | $2,500 | -5% |
| Bessie | $2,417 | -9% |
| Hobart | $2,561 | -3% |
| Seiling | $2,495 | -5% |
| Willow | $2,519 | -4% |
| Alva | $2,459 | -7% |
| Waynoka | $2,517 | -4% |
| Wheatland | $2,809 | +7% |
| Wynnewood | $2,558 | -3% |
| Oklahoma City | $2,826 | +7% |
| Rocky | $2,477 | -6% |
| Enid | $2,361 | -11% |
| Freedom | $2,460 | -7% |
| Laverne | $2,502 | -5% |
| Claremore | $2,469 | -6% |
| Glenpool | $2,627 | -0% |
| Purcell | $2,597 | -1% |
| Douglas | $2,401 | -9% |
| Loyal | $2,488 | -6% |
| Southard | $2,439 | -8% |
| Fargo | $2,465 | -7% |
| Vici | $2,499 | -5% |
| Edmond | $2,631 | -0% |
| Spencer | $2,801 | +6% |
| Wayne | $2,597 | -1% |
| Tuttle | $2,602 | -1% |
| Verden | $2,513 | -5% |
| Perry | $2,433 | -8% |
| Carter | $2,467 | -6% |
| Crawford | $2,494 | -5% |
| Elk City | $2,452 | -7% |
| Erick | $2,538 | -4% |
| Foss | $2,474 | -6% |
| Carmen | $2,444 | -7% |
| Fairview | $2,448 | -7% |
| Goltry | $2,441 | -7% |
| Helena | $2,476 | -6% |
| Kingfisher | $2,504 | -5% |
| Lucien | $2,442 | -7% |
| Pond Creek | $2,480 | -6% |
| Buffalo | $2,498 | -5% |
| Chester | $2,486 | -6% |
| Broken Bow | $2,667 | +1% |
| Seminole | $2,568 | -2% |
| Saint Louis | $2,580 | -2% |
| Wewoka | $2,557 | -3% |
| Monroe | $2,590 | -2% |
| Jenks | $2,624 | -0% |
| Ochelata | $2,393 | -10% |
| Stillwater | $2,434 | -8% |
| Tulsa | $2,811 | +7% |
| Balko | $2,430 | -8% |
| Goodwell | $2,374 | -10% |
| Bixby | $2,618 | -0% |
| Collinsville | $2,496 | -5% |
| Kellyville | $2,484 | -6% |
| Mannford | $2,490 | -6% |
| Milfay | $2,530 | -4% |
| Perkins | $2,444 | -7% |
| Skiatook | $2,518 | -4% |
| Avant | $2,487 | -6% |
| Bartlesville | $2,356 | -11% |
| Copan | $2,368 | -11% |
| Depew | $2,502 | -5% |
| Prue | $2,511 | -5% |
| Sapulpa | $2,530 | -4% |
| Terlton | $2,531 | -4% |
| Sentinel | $2,509 | -5% |
| Texola | $2,428 | -8% |
| Aline | $2,473 | -6% |
| Drummond | $2,409 | -9% |
| Longdale | $2,488 | -6% |
| Okeene | $2,469 | -6% |
| Ringwood | $2,450 | -7% |
| Woodward | $2,467 | -6% |
| Ramona | $2,407 | -9% |
| Stroud | $2,555 | -3% |
| Caddo | $2,585 | -2% |
| Hugo | $2,577 | -2% |
| Kenefic | $2,547 | -3% |
| Agra | $2,605 | -1% |
| Allen | $2,532 | -4% |
| Atwood | $2,603 | -1% |
| Tryon | $2,623 | -0% |
| Weleetka | $2,578 | -2% |
| Barnsdall | $2,487 | -6% |
| Delaware | $2,509 | -5% |
| Mounds | $2,554 | -3% |
| Haworth | $2,608 | -1% |
| Pickens | $2,615 | -1% |
| Ringold | $2,539 | -4% |
| Asher | $2,590 | -2% |
| Meeker | $2,620 | -0% |
| Keota | $2,543 | -3% |
| Poteau | $2,532 | -4% |
| Sallisaw | $2,510 | -5% |
| Weatherford | $2,395 | -9% |
| Bluejacket | $2,475 | -6% |
| Grove | $2,450 | -7% |
| Miami | $2,471 | -6% |
| Rose | $2,485 | -6% |
| Gore | $2,480 | -6% |
| Spiro | $2,550 | -3% |
| Vinita | $2,475 | -6% |
| Eucha | $2,501 | -5% |
| Disney | $2,497 | -5% |
| Fairland | $2,459 | -7% |
| Jay | $2,469 | -6% |
| North Miami | $2,471 | -6% |
| Pryor | $2,446 | -7% |
| Quapaw | $2,509 | -5% |
| Henryetta | $2,533 | -4% |
| Putnam | $2,445 | -7% |
| Thomas | $2,399 | -9% |
| Ames | $2,452 | -7% |
| Dacoma | $2,489 | -6% |
| Connerville | $2,651 | +1% |
| Earlsboro | $2,627 | -0% |
| Hanna | $2,569 | -2% |
| Mill Creek | $2,598 | -1% |
| Prague | $2,598 | -1% |
| Moffett | $2,628 | -0% |
| Muse | $2,586 | -2% |
| Roland | $2,482 | -6% |
| Fox | $2,475 | -6% |
| Graham | $2,499 | -5% |
| Overbrook | $2,553 | -3% |
| Velma | $2,459 | -7% |
| Manitou | $2,488 | -6% |
| Terral | $2,519 | -4% |
| Cartwright | $2,536 | -4% |
| Soper | $2,626 | -0% |
| Shawnee | $2,587 | -2% |
| Carney | $2,648 | +1% |
| Cromwell | $2,595 | -1% |
| Francis | $2,525 | -4% |
| Mcloud | $2,649 | +1% |
| Sasakwa | $2,549 | -3% |
| Stratford | $2,507 | -5% |
| Wellston | $2,652 | +1% |
| Cameron | $2,514 | -5% |
| Bradley | $2,567 | -2% |
| Calumet | $2,603 | -1% |
| Coyle | $2,578 | -2% |
| Fort Cobb | $2,480 | -6% |
| Langston | $2,614 | -1% |
| Morrison | $2,559 | -3% |
| Norman | $2,624 | -0% |
| Hennepin | $2,525 | -4% |
| Ravia | $2,555 | -3% |
| Lawton | $2,445 | -7% |
| Elgin | $2,415 | -9% |
| Granite | $2,544 | -3% |
| Headrick | $2,474 | -6% |
| Martha | $2,509 | -5% |
| Countyline | $2,486 | -6% |
| Healdton | $2,504 | -5% |
| Leon | $2,542 | -3% |
| Mannsville | $2,588 | -2% |
| Marietta | $2,511 | -5% |
| Mead | $2,549 | -3% |
| Ratliff City | $2,497 | -5% |
| Cache | $2,434 | -8% |
| Fletcher | $2,419 | -8% |
| Frederick | $2,460 | -7% |
| Meers | $2,473 | -6% |
| Olustee | $2,484 | -6% |
| Coleman | $2,625 | -0% |
| Lone Grove | $2,493 | -5% |
| Wilson | $2,517 | -4% |
| Hollis | $2,587 | -2% |
| Snyder | $2,516 | -5% |
| Tipton | $2,479 | -6% |
| Walters | $2,499 | -5% |
| Foster | $2,460 | -7% |
| Madill | $2,486 | -6% |
| Wapanucka | $2,634 | +0% |
| Medicine Park | $2,417 | -8% |
| Mountain Park | $2,498 | -5% |
| Ryan | $2,563 | -3% |
| Faxon | $2,423 | -8% |
| Randlett | $2,543 | -3% |
| Temple | $2,528 | -4% |
| Arapaho | $2,394 | -9% |
| Canute | $2,490 | -6% |
| Burlington | $2,469 | -6% |
| Covington | $2,390 | -10% |
| Meno | $2,440 | -8% |
| Okarche | $2,535 | -4% |
| Watonga | $2,461 | -7% |
| Fort Supply | $2,487 | -6% |
| Gage | $2,462 | -7% |
| Adams | $2,427 | -8% |
| Ardmore | $2,496 | -5% |
| Kingston | $2,494 | -5% |
| Davidson | $2,490 | -6% |
| Duke | $2,535 | -4% |
| Eldorado | $2,497 | -5% |
| Grandfield | $2,477 | -6% |
| Vinson | $2,544 | -3% |
| Burns Flat | $2,492 | -5% |
| Ringling | $2,525 | -4% |
| Fort Sill | $2,434 | -8% |
| Comanche | $2,481 | -6% |
| Oscar | $2,533 | -4% |
| Roosevelt | $2,524 | -4% |
| Colbert | $2,510 | -5% |
| Fitzhugh | $2,547 | -3% |
| Wanette | $2,636 | +0% |
| Howe | $2,558 | -3% |
| Wister | $2,554 | -3% |
| Vian | $2,492 | -5% |
| Kansas | $2,486 | -6% |
| Langley | $2,473 | -6% |
| Oaks | $2,516 | -4% |
| Salina | $2,460 | -7% |
| Strang | $2,455 | -7% |
| Checotah | $2,440 | -8% |
| Piedmont | $2,641 | +0% |
| Watts | $2,530 | -4% |
| Westville | $2,518 | -4% |
| Gene Autry | $2,505 | -5% |
| Milburn | $2,642 | +0% |
| Tatums | $2,505 | -5% |
| Blair | $2,478 | -6% |
| Hastings | $2,546 | -3% |
| Indiahoma | $2,431 | -8% |
| Sterling | $2,448 | -7% |
| Waurika | $2,516 | -4% |
| Watson | $2,644 | +0% |
| Shady Point | $2,555 | -3% |
| Elmore City | $2,516 | -4% |
| Lebanon | $2,495 | -5% |
| Loco | $2,499 | -5% |
| Springer | $2,494 | -5% |
| Thackerville | $2,495 | -5% |
| Tussy | $2,461 | -7% |
| Addington | $2,550 | -3% |
| Altus Afb | $2,461 | -7% |
| Chattanooga | $2,434 | -8% |
| Elmer | $2,486 | -6% |
| Hollister | $2,479 | -6% |
| Clinton | $2,384 | -10% |
| Concho | $2,634 | +0% |
| Hydro | $2,463 | -7% |
| Lexington | $2,632 | +0% |
| Maysville | $2,509 | -5% |
| Mustang | $2,639 | +0% |
| Felt | $2,426 | -8% |
| Tyrone | $2,417 | -8% |
| Cleveland | $2,532 | -4% |
| Inola | $2,446 | -7% |
| Leonard | $2,552 | -3% |
| Oologah | $2,422 | -8% |
| Osage | $2,495 | -5% |
| Wann | $2,464 | -7% |
| Yale | $2,515 | -5% |
| Bethany | $2,782 | +6% |
| Dougherty | $2,521 | -4% |
| El Reno | $2,608 | -1% |
| Geary | $2,547 | -3% |
| Mountain View | $2,557 | -3% |
| Cement | $2,469 | -6% |
| Chickasha | $2,518 | -4% |
| Cyril | $2,463 | -7% |
| Gotebo | $2,514 | -5% |
| Guthrie | $2,602 | -1% |
| Newcastle | $2,636 | +0% |
| Durham | $2,478 | -6% |
| Fay | $2,519 | -4% |
| Taloga | $2,479 | -6% |
| Fairmont | $2,412 | -9% |
| Hillsdale | $2,467 | -6% |
| Hopeton | $2,497 | -5% |
| Kremlin | $2,432 | -8% |
| Waukomis | $2,435 | -8% |
| Arnett | $2,476 | -6% |
| Gate | $2,476 | -6% |
| Sharon | $2,452 | -7% |
| Butler | $2,441 | -8% |
| Yukon | $2,620 | -0% |
| Custer City | $2,451 | -7% |
| Sayre | $2,495 | -5% |
| Bison | $2,415 | -9% |
| Canton | $2,481 | -6% |
| Cherokee | $2,444 | -7% |
| Garber | $2,404 | -9% |
| Nash | $2,442 | -7% |
| Camargo | $2,476 | -6% |
| Forgan | $2,450 | -7% |
| Broken Arrow | $2,693 | +2% |
| Union City | $2,565 | -3% |
| Guymon | $2,389 | -10% |
| Drumright | $2,494 | -5% |
| Kiefer | $2,537 | -4% |
| Owasso | $2,480 | -6% |
| Slick | $2,568 | -2% |
| Blanchard | $2,613 | -1% |
| Jones | $2,743 | +4% |
| Meridian | $2,641 | +0% |
| Pocasset | $2,564 | -3% |
| Rush Springs | $2,550 | -3% |
| Caney | $2,634 | +0% |
| Kiowa | $2,563 | -3% |
| Lane | $2,636 | +0% |
| Kaw City | $2,507 | -5% |
| Achille | $2,560 | -3% |
| Battiest | $2,589 | -2% |
| Bunch | $2,505 | -5% |
| Gans | $2,495 | -5% |
| Wyandotte | $2,458 | -7% |
| Fort Gibson | $2,516 | -4% |
| Hitchita | $2,529 | -4% |
| Chouteau | $2,452 | -7% |
| Cushing | $2,471 | -6% |
| Jennings | $2,531 | -4% |
| Maramec | $2,451 | -7% |
| Oilton | $2,537 | -4% |
| Sperry | $2,576 | -2% |
| Boise City | $2,436 | -8% |
| Hooker | $2,393 | -10% |
| Keyes | $2,415 | -9% |
| Spavinaw | $2,464 | -7% |
| Council Hill | $2,489 | -6% |
| Amber | $2,557 | -3% |
| Colony | $2,472 | -6% |
| Gracemont | $2,483 | -6% |
| Ninnekah | $2,546 | -3% |
| Blanco | $2,537 | -4% |
| Finley | $2,681 | +2% |
| Moyers | $2,624 | -0% |
| Red Oak | $2,588 | -2% |
| Snow | $2,639 | +0% |
| Ponca City | $2,514 | -5% |
| Braman | $2,566 | -3% |
| Lamont | $2,465 | -7% |
| Shidler | $2,483 | -6% |
| Catoosa | $2,485 | -6% |
| Glencoe | $2,453 | -7% |
| Pawhuska | $2,513 | -5% |
| Pawnee | $2,576 | -2% |
| Ketchum | $2,484 | -6% |
| Braggs | $2,480 | -6% |
| Crowder | $2,555 | -3% |
| Cheyenne | $2,516 | -4% |
| Davis | $2,506 | -5% |
| Harrah | $2,706 | +3% |
| Lookeba | $2,474 | -6% |
| Crescent | $2,622 | -0% |
| Luther | $2,703 | +3% |
| Minco | $2,547 | -3% |
| Beaver | $2,422 | -8% |
| Kenton | $2,408 | -9% |
| Chelsea | $2,487 | -6% |
| Shamrock | $2,568 | -2% |
| S Coffeyville | $2,455 | -7% |
| Talala | $2,454 | -7% |
| Vera | $2,400 | -9% |
| Carnegie | $2,487 | -6% |
| Choctaw | $2,755 | +5% |
| Corn | $2,412 | -9% |
| Eakly | $2,448 | -7% |
| Marlow | $2,478 | -6% |
| Albert | $2,496 | -5% |
| Arcadia | $2,654 | +1% |
| Greenfield | $2,481 | -6% |
| Albany | $2,577 | -2% |
| Burneyville | $2,518 | -4% |
| Geronimo | $2,467 | -6% |
| Mangum | $2,597 | -1% |
| Garvin | $2,630 | -0% |
| Golden | $2,624 | -0% |
| Ada | $2,485 | -6% |
| Konawa | $2,561 | -3% |
| Roff | $2,527 | -4% |
| Arkoma | $2,549 | -3% |
| Mccurtain | $2,611 | -1% |
| Paoli | $2,510 | -5% |
| Wagoner | $2,484 | -6% |
| Webbers Falls | $2,508 | -5% |
| Daisy | $2,635 | +0% |
| Quinton | $2,543 | -3% |
| Blackwell | $2,495 | -5% |
| Fairfax | $2,509 | -5% |
| Durant | $2,514 | -5% |
| Boswell | $2,593 | -1% |
| Calera | $2,518 | -4% |
| Idabel | $2,645 | +1% |
| Kemp | $2,584 | -2% |
| Millerton | $2,592 | -1% |
| Rufe | $2,528 | -4% |
| Spencerville | $2,561 | -3% |
| Valliant | $2,635 | +0% |
| Wright City | $2,615 | -1% |
| Byars | $2,614 | -1% |
| Castle | $2,570 | -2% |
| Chandler | $2,587 | -2% |
| Holdenville | $2,576 | -2% |
| Muldrow | $2,508 | -5% |
| Antlers | $2,702 | +3% |
| Atoka | $2,673 | +2% |
| Wilburton | $2,545 | -3% |
| Hunter | $2,462 | -7% |
| Stidham | $2,525 | -4% |
| Wainwright | $2,523 | -4% |
| Kinta | $2,595 | -1% |
| Nashoba | $2,617 | -1% |
| Nardin | $2,507 | -5% |
| Ralston | $2,440 | -8% |
| Red Rock | $2,450 | -7% |
| Bennington | $2,601 | -1% |
| Alex | $2,572 | -2% |
| Anadarko | $2,463 | -7% |
| Apache | $2,456 | -7% |
| Binger | $2,497 | -5% |
| Lindsay | $2,508 | -5% |
| Noble | $2,609 | -1% |
| Morris | $2,534 | -4% |
| Okmulgee | $2,536 | -4% |
| Porum | $2,500 | -5% |
| Tahlequah | $2,528 | -4% |
| May | $2,468 | -6% |
| Rosston | $2,475 | -6% |
| Texhoma | $2,407 | -9% |
| Bristow | $2,512 | -5% |
| Hominy | $2,529 | -4% |
| Lenapah | $2,495 | -5% |
| Ripley | $2,453 | -7% |
| Wynona | $2,477 | -6% |
| Foyil | $2,511 | -5% |
| Sand Springs | $2,556 | -3% |
| Preston | $2,596 | -1% |
| Schulter | $2,550 | -3% |
| Clayton | $2,670 | +1% |
| Savanna | $2,561 | -3% |
| Tupelo | $2,616 | -1% |
| Wardville | $2,606 | -1% |
| Cordell | $2,424 | -8% |
| Hammon | $2,504 | -5% |
| Lone Wolf | $2,541 | -4% |
| Sweetwater | $2,491 | -5% |
| Hennessey | $2,453 | -7% |
| Hitchcock | $2,474 | -6% |
| Isabella | $2,441 | -8% |
| Manchester | $2,456 | -7% |
| Wakita | $2,495 | -5% |
| Dill City | $2,459 | -7% |
| Oakwood | $2,442 | -7% |
| Amorita | $2,488 | -6% |
| Carrier | $2,446 | -7% |
| Dover | $2,491 | -5% |
| Lahoma | $2,438 | -8% |
| Medford | $2,458 | -7% |
| Mooreland | $2,482 | -6% |
| Proctor | $2,538 | -4% |
| Hartshorne | $2,529 | -4% |
| Lehigh | $2,635 | +0% |
| Talihina | $2,604 | -1% |
| Whitesboro | $2,576 | -2% |
| Burbank | $2,488 | -6% |
| Deer Creek | $2,487 | -6% |
| Bokchito | $2,559 | -3% |
| Muskogee | $2,502 | -5% |
| Coweta | $2,539 | -4% |
| Indianola | $2,544 | -3% |
| Taft | $2,535 | -4% |
| Whitefield | $2,597 | -1% |
| Mcalester | $2,484 | -6% |
| Pittsburg | $2,558 | -3% |
| Peggs | $2,543 | -3% |
| Pauls Valley | $2,514 | -5% |
| Sulphur | $2,551 | -3% |
| Washington | $2,625 | -0% |
| Porter | $2,529 | -4% |
| Welling | $2,511 | -5% |
| Blocker | $2,533 | -4% |
| Bromide | $2,628 | -0% |
| Calvin | $2,625 | -0% |
| Centrahoma | $2,637 | +0% |
| Coalgate | $2,697 | +2% |
| Hulbert | $2,519 | -4% |
| Eagletown | $2,593 | -1% |
| Platter | $2,566 | -3% |
| Maud | $2,596 | -1% |
| Okemah | $2,541 | -3% |
| Paden | $2,541 | -3% |
| Stonewall | $2,522 | -4% |
| Fort Towson | $2,621 | -0% |
| Hendrix | $2,570 | -2% |
| Swink | $2,610 | -1% |
| Boley | $2,534 | -4% |
| Dustin | $2,594 | -1% |
| Lamar | $2,550 | -3% |
| Wetumka | $2,540 | -4% |
| Pocola | $2,547 | -3% |
| Reydon | $2,480 | -6% |
| Cleo Springs | $2,436 | -8% |
| Jet | $2,459 | -7% |
| Mutual | $2,501 | -5% |
| Shattuck | $2,479 | -6% |
| Cashion | $2,553 | -3% |
| Marshall | $2,553 | -3% |
| Mulhall | $2,549 | -3% |
| Orlando | $2,544 | -3% |
| Fittstown | $2,530 | -4% |
| Beggs | $2,563 | -3% |
| Cookson | $2,516 | -4% |
| Dewar | $2,567 | -2% |
| Eufaula | $2,492 | -5% |
| Grant | $2,570 | -2% |
| Sawyer | $2,635 | +0% |
| Tecumseh | $2,620 | -0% |
| Lequire | $2,623 | -0% |
| Marble City | $2,570 | -2% |
| Cardin | $2,505 | -5% |
| Colcord | $2,474 | -6% |
| Picher | $2,478 | -6% |
| Welch | $2,483 | -6% |
| Canadian | $2,511 | -5% |
| Smithville | $2,587 | -2% |
| Stilwell | $2,543 | -3% |
| Warner | $2,524 | -4% |
| Albion | $2,616 | -1% |
| Alderson | $2,568 | -2% |
| Rattan | $2,701 | +3% |
| Bethel | $2,556 | -3% |
| Moodys | $2,525 | -4% |
| Oktaha | $2,461 | -7% |
| Stigler | $2,552 | -3% |
| Gowen | $2,609 | -1% |
| Kiamichi Christian Mission | $2,583 | -2% |
| Krebs | $2,543 | -3% |
| Marland | $2,451 | -7% |
| Newkirk | $2,523 | -4% |
| Clarita | $2,656 | +1% |
| Haileyville | $2,565 | -3% |
| Panola | $2,577 | -2% |
| Stringtown | $2,689 | +2% |
| Stuart | $2,604 | -1% |
| Tuskahoma | $2,576 | -2% |
| Billings | $2,466 | -6% |
| Tonkawa | $2,525 | -4% |
| Afton | $2,484 | -6% |
| Commerce | $2,441 | -7% |
| Locust Grove | $2,477 | -6% |
| Okay | $2,541 | -3% |
| Park Hill | $2,533 | -4% |
| Redbird | $2,534 | -4% |
| Rentiesville | $2,527 | -4% |
| Macomb | $2,642 | +0% |
| Newalla | $2,712 | +3% |
| Sparks | $2,534 | -4% |
| Bokoshe | $2,504 | -5% |
| Heavener | $2,558 | -3% |
| Hodgen | $2,560 | -3% |
| Leflore | $2,570 | -2% |
| Panama | $2,555 | -3% |
| Hardesty | $2,460 | -7% |
| Turpin | $2,428 | -8% |
| Davenport | $2,571 | -2% |
| Dewey | $2,350 | -11% |
| Hallett | $2,499 | -5% |
| Nowata | $2,482 | -6% |
| Leedey | $2,496 | -5% |
| Omega | $2,511 | -5% |
| Adair | $2,437 | -8% |
| Big Cabin | $2,508 | -5% |
| Twin Oaks | $2,486 | -6% |
| Boynton | $2,521 | -4% |
| Haskell | $2,513 | -5% |
| Hoyt | $2,581 | -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 16*
|
Average annual full coverage premium in OK
$5,565
|
Average minimum coverage premium in OK
$1,503
|
|
Age 18
|
Average annual full coverage premium in OK
$8,073
|
Average minimum coverage premium in OK
$2,169
|
|
Age 20
|
Average annual full coverage premium in OK
$5,713
|
Average minimum coverage premium in OK
$1,386
|
|
Age 25
|
Average annual full coverage premium in OK
$3,290
|
Average minimum coverage premium in OK
$728
|
|
Age 30
|
Average annual full coverage premium in OK
$2,871
|
Average minimum coverage premium in OK
$599
|
|
Age 40
|
Average annual full coverage premium in OK
$2,654
|
Average minimum coverage premium in OK
$554
|
|
Age 50
|
Average annual full coverage premium in OK
$2,457
|
Average minimum coverage premium in OK
$520
|
|
Age 60
|
Average annual full coverage premium in OK
$2,358
|
Average minimum coverage premium in OK
$514
|
|
Age 70
|
Average annual full coverage premium in OK
$2,562
|
Average minimum coverage premium in OK
$603
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in OK
$4,621
|
Average minimum coverage premium in OK
$1,274
|
|
Age 18
|
Average annual full coverage premium in OK
$7,186
|
Average minimum coverage premium in OK
$1,899
|
|
Age 20
|
Average annual full coverage premium in OK
$4,875
|
Average minimum coverage premium in OK
$1,210
|
|
Age 25
|
Average annual full coverage premium in OK
$3,117
|
Average minimum coverage premium in OK
$704
|
|
Age 30
|
Average annual full coverage premium in OK
$2,791
|
Average minimum coverage premium in OK
$596
|
|
Age 40
|
Average annual full coverage premium in OK
$2,609
|
Average minimum coverage premium in OK
$562
|
|
Age 50
|
Average annual full coverage premium in OK
$2,305
|
Average minimum coverage premium in OK
$511
|
|
Age 60
|
Average annual full coverage premium in OK
$2,299
|
Average minimum coverage premium in OK
$505
|
|
Age 70
|
Average annual full coverage premium in OK
$2,500
|
Average minimum coverage premium in OK
$587
|
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
$5,093
|
|
Age 17
|
Avg. annual premium for drivers in OK
$4,697
|
|
Age 18
|
Avg. annual premium for drivers in OK
$4,417
|
|
Age 19
|
Avg. annual premium for drivers in OK
$4,037
|
|
Age 20
|
Avg. annual premium for drivers in OK
$3,808
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in OK
$7,630
|
|
Age 19
|
Avg. annual premium for drivers in OK
$5,789
|
|
Age 20
|
Avg. annual premium for drivers in OK
$5,294
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 73 percent more |
| Age 19 | 43 percent more |
| Age 20 | 39 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
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
$2,631
|
Percentage increase from OK avg. annual premium*
0%
|
|
Avg. annual premium* in OK
$3,095
|
Percentage increase from OK avg. annual premium*
18%
|
|
|
Avg. annual premium* in OK
$3,503
|
Percentage increase from OK avg. annual premium*
33%
|
|
|
Avg. annual premium* in OK
$3,831
|
Percentage increase from OK avg. annual premium*
46%
|
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.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in OK
$4,813
|
Percentage change from OK average annual premium*
83%
|
|
|
Average
|
Avg. annual premium* in OK
$2,876
|
Percentage change from OK average annual premium*
9%
|
|
Avg. annual premium* in OK
$2,631
|
Percentage change from OK average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in OK
$2,248
|
Percentage change from OK average annual premium*
-15%
|
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.
|
|
|
|---|---|
|
Avg. annual premium* in OK
$2,631
|
|
|
Avg. annual premium* in OK
$2,618
|
|
|
Avg. annual premium* in OK
$2,374
|
|
|
BMW 330i
|
Avg. annual premium* in OK
$3,203
|
|
Toyota Prius
|
Avg. annual premium* in OK
$2,719
|
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.
Calculate your monthly car insurance payment
Get a quick estimate to make sure you're not overpaying.
Your estimate awaits...
Answer a few questions to reveal your payment
The results are in...
Your estimated payment
Ready for real rates?
Crunching the numbers...
An error occurred...
We're unable to estimate your payment
Ready for real rates?
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 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 coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
