The Average Cost of Car Insurance in Oklahoma

As of 2020, the average cost of auto insurance in Oklahoma was $888, which is lower than in other states. However, certain factors may drive up your premium. If you have very poor credit or a history of accidents, you may find better rates with certain providers. Below, we break down how much you can expect to pay for your auto insurance, depending on your demographics.

By Age

Typically, young drivers pay more for their car insurance because their lack of driving experience results in a higher likelihood of being involved in an accident. According to 2020 data from the Insurance Institute for Highway Safety (IIHS), the crash rate is highest among drivers who are 16 to 17 years old, which explains why these ages are associated with the highest annual average rates for auto insurance.¹

By Gender

On average, male drivers pay more for their car insurance than female drivers do because men have higher accident rates, on average. In 2021 in Oklahoma, of the fatal crashes in which the sex of the driver was known, 73 percent involved male drivers and 27 percent involved female drivers, according to the latest data from the National Highway Traffic Safety Administration.

By Marital Status

Married drivers often receive a slight discount on their auto insurance rates due to their lower propensity for claims.

By Coverage Level

Full-coverage auto insurance policies cover more expenses, which is why they cost more than minimum-coverage policies.

By Violation

It’s no secret that having points on your driving record can increase your yearly premiums for auto insurance. Here are the average car insurance rates we found for Oklahoma drivers with driving violations:

Looking for the most affordable option? Take a look at the companies that offer the lowest rates we’ve seen for different demographics.

You can use these strategies to lower your auto insurance rates:

1. Compare quotes: In Oklahoma, there is a wide range of auto insurance companies to browse when you’re searching for your best policy. Obtain personalized quotes from different auto insurers to determine which provider can provide cheap car insurance.
2. Bundle policies: Major auto insurance companies in Oklahoma, like State Farm and Allstate, offer discounts if you buy multiple types of insurance policies, like homeowners and renters insurance. Look into the bundling options across different providers to see how much you can save on your auto insurance and another type of insurance.
3. Maintain good credit: Although some states prohibit auto insurance companies from using your credit score as a factor in your rates, Oklahoma isn’t one of them. Therefore, it’s important to consider how your credit score will affect your car insurance premium.
4. Keep a clean driving record: Many auto insurance companies in Oklahoma reward their customers for safe driving. State Farm, for example, offers great discounts for Oklahoma drivers who stay accident- and violation-free for three consecutive years.²

Oklahoma requires the following minimum liability coverages:

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident
• $25,000 of property damage liability coverage³

Although these are the only coverages Oklahoma requires by law, we suggest you invest in other types of coverage to handle your own expenses if you cause an accident or if you get into an accident with an uninsured or underinsured driver.

As an at-fault state, Oklahoma requires the driver who causes an accident to pay for the other person’s property damage and bodily injury expenses, including the following:

• Medical bills
• Car repairs and replacements
• Hospitalization costs
• Rehabilitation expenses
• Other necessary healthcare services

Therefore, it’s crucial to have sufficient liability insurance to fulfill these obligations, as well as coverages for your and your passengers’ losses in addition to the injured party’s, like comprehensive, collision, and medical payments coverage.

SR-22s and FR-44s are types of financial responsibility forms that many U.S. states require for drivers with multiple traffic violations or DUI convictions. However, Oklahoma is one of the few states that does not require these forms.

Drawing from over two decades of connecting customers with leading car insurance providers, AutoInsurance.com has accumulated an extensive database of proprietary data. This data allows us to gain valuable insight into the preferences and patterns of auto insurance customers. Additionally, we examine state-specific factors — such as minimum coverage requirements, fault systems, and SR-22s/FR-44s — to provide you with a comprehensive overview of the expected cost of car insurance in any given state.