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The average cost of basic liability car insurance in Oklahoma is $1,782 per year. Opting for full-coverage car insurance in Oklahoma will leave you with an average cost of $2,413 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
The average cost of basic liability car insurance in Oklahoma is $1,782 per year. Opting for full-coverage car insurance in Oklahoma will leave you with an average cost of $2,413 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Best car insurance companies in Oklahoma
Finding cheap car insurance in Oklahoma can be a challenge, especially if you’re looking for more than minimum coverage. The best way to find the coverage you need at a price you can live with is to compare quotes from leading auto insurance companies like:
- Farm Bureau Insurance
But which of those companies is the best? Well, the answer depends on who you are, what you drive, and the kind of coverage you’re looking for—just to start with. You see, every car insurance company uses a slightly different methodology to set your rate based on a complex web of factors, from your credit score and driving history to your vehicle’s engine and your marital status.
In other words, the cheapest company for car insurance is different for every person in Oklahoma. Here's what drivers paid when they used Jerry.
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| National General | $4,308 | $2,865 | |
| Dairyland | $2,668 | $1,478 | |
| Kemper | $3,339 | $1,365 | |
| Nationwide | $3,180 | $1,296 | |
| Allstate | $2,347 | $796 | |
| Travelers | $2,636 | $742 | |
| Progressive | $2,335 | $730 | |
| Clearcover | $2,271 | $709 | |
| Safeco | $2,228 | $694 | |
| State Auto | $1,872 | $152 | |
| Compare Prices | |||
Compare the best car insurance quotes in Oklahoma
Remember, auto insurance premiums are incredibly personalized, so seemingly minor factors in your profile might make a huge difference in how much you pay.
Take the quotes below for example! They come from actual Jerry customers.
| Quote Date | Car | Before Jerry | After Jerry | City | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|
| March 19, 2023 | Kia Soul LX | $180/mo. | $135/mo. | Oklahoma City | Sarah M. | 43 | Progressive |
| March 16, 2023 | Ram 1500 SLT | $334/mo. | $133/mo. | Oklahoma City | Marc B. | 35 | Clearcover |
| March 16, 2023 | Kia Soul | $269/mo. | $260/mo. | Tulsa | Lois W. | 28 | Bristol West |
| March 14, 2023 | Nissan Versa S | $172/mo. | $93/mo. | Tulsa | Julia P. | 63 | Progressive |
| March 3, 2023 | Kia Optima LX | $147/mo. | $92/mo. | Broken Arrow | Trevor N. | 27 | Progressive |
Oklahoma car insurance FAQs
How much car insurance do I need in Oklahoma?
All car owners in Oklahoma are required by law to carry the following minimum levels of auto insurance:
- Bodily injury: $25,000 per person and $50,000 per accident.
- Property damage: $25,000 per accident.
What is Oklahoma state minimum insurance?
Oklahoma law requires all drivers to carry the following minimum levels of auto insurance:
- Bodily injury: $25,000 per person and $50,000 per accident.
- Property damage: $25,000 per accident.
Can you register a car without insurance in Oklahoma?
No. Drivers are required to show proof of insurance for a valid Oklahoma car insurance policy to register their vehicles.
Can you get a tag without insurance in Oklahoma?
No. To obtain tags, drivers in Oklahoma must register their vehicles with the state, which requires showing proof of valid and sufficient insurance coverage.
How much does auto insurance cost in Oklahoma?
If you only carry minimum auto insurance in Oklahoma, you’re likely paying a rate below the national average. But shopping for full-coverage insurance gets more expensive, with average costs over the national average.
Minimum coverage is fairly affordable because Oklahoma sets low insurance requirements. But if you purchase collision coverage or comprehensive coverage for a full-coverage policy, you’re likely to pay elevated rates because of Oklahoma’s high rates of inclement weather and property theft, both of which increase premiums for full coverage.
Here’s some other useful information about car insurance for Oklahoma drivers.
Oklahoma car insurance requirements
The graph below compares the average cost of three essential types of insurance: liability coverage, collision coverage, and comprehensive coverage.
Of those three, only liability insurance is required by Oklahoma state law—and on its own, it’s fairly affordable. But there are good reasons to purchase additional coverage.
Oklahoma requires a minimum of $25,000 per person / $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage. While that coverage will protect you from steep out-of-pocket costs and personal injury lawsuits if you cause an at-fault accident, it won’t pay for your medical bills or damage to your vehicle. With collision and comprehensive coverage, you can file claims for vehicle damage and theft—making it worth the added expense in most cases.
Why is full coverage car insurance so expensive in Oklahoma?
Cheapest car insurance with a DUI or speeding ticket in Oklahoma
The cost of car insurance goes up if you have a violation on your record. Serious charges like DUI or reckless driving will cause the biggest premium hikes, but you might also see higher rates if you have a pattern of minor violations like speeding tickets. In fact, repeated violations could get you labeled a “high-risk driver” by your insurance company—and that label will stick to you as long as the points stay on your driver’s license.
If you have a spotty driving record, see how much you could save by using Jerry below.
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $1,964 | $602 |
| DUI | $3,453 | $1,165 |
| Driving on Sus. License | $2,724 | $1,051 |
| Open Container | $3,582 | $968 |
| Careless Driving | $2,403 | $859 |
| Suspension | $2,475 | $758 |
| Speeding over 15 | $2,185 | $757 |
| Speeding under 15 | $2,344 | $746 |
| Failure to Obey Traffic Sign | $1,948 | $663 |
| Illegal Turn | $2,116 | $543 |
Insurance Cost With a DUI in Oklahoma
If you get a DUI in Oklahoma, you can expect your car insurance to increase by an average of $64.91 per month.
Read Oklahoma DUI Information:
Insurance Cost With a Reckless Driving Citation in Oklahoma
If you have a reckless driving citation, you should expect your insurance to increase to an average of $86.16 per month.
Read Oklahoma Reckless Driving Information:
Oklahoma car insurance rates by age
Teen drivers pay some of the highest in Oklahoma for even basic insurance coverage. That’s because statistics show that drivers under age 25 have a higher average rate of violations and accidents—and even if you have a perfect driving record, your insurance company will still be looking at those statistics.
But you shouldn’t have to wait for your 25th birthday to pay an affordable rate for car insurance. Young drivers in Oklahoma can find serious savings on car insurance by:
- Building credit. A good credit score can help you find the best rates, but bad credit can cause them to rise.
- Studying hard. Many insurance providers offer steep good student discounts to full-time students who maintain a B average or better in school.
- Evaluate your coverage needs. Do you need full coverage for a new financed car, or can you stick with state minimum coverage for the cheapest option?
- Drive safe. Although it usually takes a few years to be eligible for a discount, a clean driving record can save you a huge chunk of cash on your premiums.
Check out the table below to see how much Oklahomans in different age groups usually pay for car insurance—and how much you could save with Jerry.
How can young drivers save money on car insurance in Oklahoma?
- Oklahoma’s accident rate for drivers under 18 is higher than the national average
- Defensive driving courses can help young drivers secure lower car insurance premiums
- Maintaining a B average or higher could earn drivers a good student discount
- Oklahoma’s accident rate for drivers under 18 is higher than the national average
- Defensive driving courses can help young drivers secure lower car insurance premiums
- Maintaining a B average or higher could earn drivers a good student discount
Oklahoma auto insurance rates city
In general, drivers in large cities pay higher rates on car insurance than rural drivers, since higher population density often translates to more car accidents.
But Oklahoma City car insurance costs are fairly low, even though it’s the largest city in the state—and Tulsa car insurance costs are even lower. High crime rates, severe weather patterns, and other factors can all drive up the cost of insurance in your ZIP code.
For a more detailed breakdown of insurance costs across the state, see below.
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Ardmore | $1,932 | $774 |
| Broken Arrow | $1,797 | $684 |
| Edmond | $1,887 | $619 |
| Lawton | $1,928 | $658 |
| Mcalester | $2,336 | $836 |
| Moore | $2,049 | $705 |
| Norman | $1,997 | $678 |
| Oklahoma City | $2,016 | $722 |
| Tulsa | $1,983 | $716 |
| Yukon | $2,043 | $759 |
Least Expensive Cities in Oklahoma
Conversely, Altus is the cheapest city for car insurance in Oklahoma. Drivers in Altus can expect average rates of $817 per year.
City With Highest Rates of Accidents in Oklahoma
Edmund has the highest accident rates in Oklahoma, as 11.52% of drivers in Edmund already have a prior at-fault accident on their record. This is one factor that can influence insurance rates.
Read Oklahoma Accident Information:
Cities With the Longest Commute Times in Oklahoma
At an average 31.3 minutes, McLoud has the highest commute time in Oklahoma. Longer commutes mean more miles on your vehicle and increased risk of accidents—both of which raise rates.
Cost to insure your car in Oklahoma
Finally, the vehicle you drive plays a huge role in setting your insurance rate. It’s probably no surprise that expensive vehicles come with higher average premiums, but it’s not just sticker price that can impact your rate.
Take the Mitsubishi Mirage as an example. It’s one of the cheapest cars on the market today, with a starting price of just $15,975. A Toyota RAV4, for comparison, costs $28,310 or more. But Mitsubishi Mirage ES insurance costs are much higher than Toyota RAV4 insurance costs—over $500 more per year, on average!
What makes the difference? The Mirage might be cheaper, but it has worse safety ratings and it’s smaller than the RAV4, meaning that it’s more likely to generate expensive insurance claims. It’s also less common than the RAV4—the most popular SUV in the country—which makes replacement parts harder to find and more expensive, all of which drives up the price of insurance.
Want to see which vehicles have the most affordable car insurance premiums? Check out the features below.
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Kia Soul | $2,379 | $936 |
| Nissan Sentra S | $2,310 | $760 |
| Chevrolet Malibu LS | $2,172 | $737 |
| Ford Fusion SE | $2,082 | $630 |
| Hyundai Elantra SE | $2,005 | $630 |
Most Popular Car in Oklahoma
The most popular vehicle in Oklahoma is the Ford F-150. On average, F-150 drivers pay $1,180 a year in car insurance. F-150 owners can save money on their car insurance expenses with broker app Jerry.
Read more about your Ford F-150:
What are the car insurance requirements in Oklahoma?
Like most states, Oklahoma sets certain minimum coverage limits that all drivers must meet before getting behind the wheel.
How much insurance do I need in Oklahoma?
In Oklahoma, drivers need $25,000 per person/$50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage. They are also required to carry personal injury protection (PIP) coverage.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV, so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Oklahoma a no-fault state?
No, Oklahoma is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
Liability car insurance is the only type you’re required to have in Oklahoma—but most experts recommend going beyond the state’s minimum liability limits and adding collision and comprehensive to your auto insurance policy.
You also have the right to buy uninsured/underinsured motorist coverage that meets the same limits as your state-mandated liability insurance—and with Oklahoma’s unusually high rate of uninsured motorists, it’s worth having.
What amount of coverage is right for you? That depends on the value of your car, whether it’s being financed, and your financial situation. Check out the features below for ideas of the best add-ons for an Oklahoma car insurance policy.
Though Oklahoma has low traffic rates and good infrastructure, it’s still a good idea to get insurance that protects you above the minimum. Protect you and your car with collision coverage.
Read more about Oklahoma Traffic:
15,047 Oklahoma vehicles were stolen in 2020. The only way to cover a stolen vehicle is with comprehensive coverage.
In Oklahoma, 13.40% of drivers are uninsured. Get uninsured/underinsured motorist coverage to stay covered if you’re in an accident with an uninsured driver.
Read information about uninsured drivers:
Oklahoma drivers rank their road quality a 4.25/10. With such poor road quality, it’s a good idea to get roadside assistance in case bad road conditions leave you stranded.
How to save money on car insurance in Oklahoma
Oklahoma car insurance rates are hard to predict, and it can be difficult to find affordable coverage here. Difficult—but not impossible. Follow these tips to put money back in your pocket.
Shop around for quotes
Comparing quotes from multiple insurance companies is the #1 way to save on car insurance—but if you look for quotes on your own, you’re likely to spend a ton of time just for a few quotes.
Instead of spending hours checking out insurance companies individually, use a car insurance comparison tool to make sure you're paying the lowest price for the best coverage.
Look for discounts
Most insurance companies offer discounts for drivers based on professional membership, driving behavior, payment history, and other factors—but they won’t always advertise them! To see which discounts you could be eligible for, check out the list below.
Clean Driving Record Discounts
Clean Driving Record Discounts
People with clean driving records don’t make claims as often and are less likely to be in an accident. Because of this, insurance companies will give drivers with clean driving records discounted rates.
Bundling Discounts
Bundling Discounts
Customers who bundle multiple kinds of insurance, such as car, home, and renters, are eligible for bundling discounts.
Marital Discount
Marital Discount
Married drivers are statistically less likely to be in an accident. If you’re a married driver, you could get discounted insurance rates.
Increase your deductible
Your car insurance deductible is the amount you agree to pay out of pocket before your coverage kicks in on a claim. It only applies to collision and comprehensive insurance, so this is a great way for drivers with full-coverage policies to cut down on costs.
The higher your deductible, the less you’ll pay month to month. If you can afford a higher deductible, this is an easy way to free up some extra cash flow, but it’s never worth it to choose a deductible you couldn’t realistically pay.
By R.E. Fulton
Updated on Mar 21, 2023
Reviewed by Kathleen Flear, Director of Content.
Best car insurance companies in Oklahoma
Compare the best car insurance quotes in Oklahoma
Oklahoma car insurance FAQs
How much does auto insurance cost in Oklahoma?
Oklahoma car insurance requirements
Cheapest car insurance with a DUI or speeding ticket in Oklahoma
Oklahoma car insurance rates by age
Oklahoma auto insurance rates city
Cost to insure your car in Oklahoma
What are the car insurance requirements in Oklahoma?
How to save money on car insurance in Oklahoma
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