Find Your Perfect Policy: 866-843-5386

Icon CheckLast updated: June 5, 2023

The Average Cost of Car Insurance in Oklahoma

How much do Oklahomans pay for auto insurance?

Twitter brand
Facebook brand
Linkedin brand
Reddit brand
Envelop icon

Generally speaking, car insurance rates in Oklahoma fall slightly under the national average of $1,047 per year, according to the National Association of Insurance Commissioners. However, many factors can influence your auto insurance premium, including the type of car you drive, as well as your age, gender, credit score, accident history, ZIP code, and marital status. Therefore, it’s important to consider how your insurance provider may use these factors to determine your rates.

On this page, we explore the average cost of auto insurance for Oklahoma residents across various categories and demographics.

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

Age Average annual cost of car insurance
16 $4,981
17 $4,417
18 $3,955
19 $2,743
20s $2,112
30s $1,028
40s $1,079
50s $938
60s $1,632
70s $2,057

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.

Gender Average annual cost of car insurance
Male $1,938
Female $1,872

By Marital Status

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

Marital status Average annual cost of car insurance
Single $1,589
Married $1,543
Widowed $1,796

By Coverage Level

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

Coverage level Average annual cost of car insurance
Full $1,847
Minimum $541

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:

Violation Average annual cost of car insurance
Speeding ticket $2,007
Accident $2,269
DUI $2,504


If you are considered a high-risk driver, review our list of the best high-risk auto insurance policies to compare rates and save on your insurance.

By Company

Certain auto insurers offer lower rates than others, which is why it is important to review and compare quotes from a variety of companies. Here are the average rates we found for some of the top auto insurers in the industry:

Company Average annual cost of car insurance
Allstate $1,262
American Farmers & Ranchers $911
Oklahoma Farm Bureau $1,324
Farmers $844
GEICO $658
Progressive $1,164
Shelter Insurance $1,161
State Farm $945
USAA $1,265

Cheapest Auto Insurance Cost in Oklahoma

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

Demographic Company Average annual rate
Speeding ticket Oklahoma Farm Bureau $1,564
Poor credit Oklahoma Farm Bureau $2,106
Teens State Farm $2,196
Married State Farm $844
16-year-olds Shelter Insurance $4,574
17-year-olds State Farm $3,146
Recent accident State Farm $1,282
DUI State Farm $1,183
Military USAA $594

How to Save on Car Insurance in Oklahoma

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

Minimum Car Insurance in Oklahoma

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.

At-Fault Laws

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 or FR-44s

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, 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.

Frequently Asked Questions

How much is full-coverage auto insurance in Oklahoma?

As of 2020, the average annual cost for full-coverage car insurance in Oklahoma was $888, according to the National Association of Insurance Commissioners.

Why are auto insurance rates in Oklahoma so high?

Auto insurance rates in Oklahoma are relatively low, at $888 a year, compared with the national average rate of $1,047. However, certain demographic and geographic factors may cause some people’s premiums to increase:

  • Severe weather: The National Oceanic and Atmospheric Administration reports that there has been an average of about 60 tornadoes each year in Oklahoma from 1950 to 2022. This high frequency of tornadoes — among other severe weather events, like flash floods — can lead to a higher number of claims for vehicle damage and, subsequently, higher insurance rates for Oklahoma residents.
  • Higher risk for accidents: According to data from the U.S. Department of Transportation’s Fatality Analysis Reporting System, the average fatality rate due to motor vehicle crashes across all states was about 13 deaths per 100,000 people. As of 2021, Oklahoma’s average fatality rate was higher than this national average, at 19 deaths per 100,000 people, which may contribute to increased insurance rates.
  • High numbers of uninsured drivers: Data from the Insurance Research Council shows that 13 percent of drivers in Oklahoma are uninsured. A higher rate of uninsured drivers in the state may increase the risk for insurance companies, resulting in higher rates for insured drivers.

What is the penalty for not having car insurance in Oklahoma?

According to the Oklahoma Department of Public Safety, driving without the state’s mandatory minimum auto insurance coverage results in the following penalties:

  • A fine of no more than $250
  • Jail time of up to 30 days
  • License suspension


  1. Fatality Facts 2021: Teenagers. Insurance Institute for Highway Safety and Highway Loss Data Institute. (2023, May).

  2. Competitive Oklahoma auto insurance discounts. State Farm. (2023).

  3. Auto Insurance: Common Myths. Oklahoma Insurance Department. (2023).