Average Cost of Car Insurance in Oklahoma 

By Coverage Level

Full coverage auto insurance policies cover more expenses, so they will always cost more than minimum coverage policies on average. As of 2026, the average cost of auto insurance in Oklahoma is $2,771 for full coverage and $710 for minimum coverage. The latter is right around the national average, while the former is higher than the national average.

By Company

Certain auto insurers offer lower rates than others, which is why it’s always a good idea to compare quotes from several companies. Here are the average full coverage rates for some of the top auto insurers in Oklahoma.

By Age

Typically, young drivers pay more for their car insurance because their lack of driving experience increases the likelihood of being involved in an accident. Teens pay the most, with rates decreasing into a driver’s 20s and 30s, assuming they maintain a clean driving record.

By Violation

Points on your driving record can increase your annual auto insurance premiums. The worse the violation — and the more points you have — the higher you can expect your rate to be. In Oklahoma, a DUI can increase your rate by an average of 33 percent.

The following companies offer the lowest rates for different driver demographics in Oklahoma.

*After USAA

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

• Compare quotes: In Oklahoma, there is a wide range of auto insurance companies to browse when you’re searching for your best policy. Getting personalized quotes from different auto insurers will help you determine which provider can offer you the best deal for what you need.
• 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 other types of insurance.
• Maintain good credit: Although some states prohibit auto insurance companies from using your credit history 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.
• 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.

Oklahoma requires the following minimum liability coverages:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident

Although these are the only coverages Oklahoma requires by law, we recommend 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.

We analyze average premiums in Oklahoma for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, at-fault accidents, speeding tickets, low credit and households with teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible