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Here's what you need to know when driving in Oklahoma

Across the Sooner State, there are 235,004 miles of road just waiting to be driven. The average car insurance rate in Oklahoma is $1,592 per year — 4% more than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Oklahoma car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Oklahoma based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

The best car insurance companies in Oklahoma

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Oklahoma.

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 897 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the Central region.

2nd place medal
Shelter Insurance

As a highly-rated regional carrier, Shelter Insurance scored an 856 on J.D. Power's 2021 auto study.

3rd place medal
Farmers

Farmers Insurance placed third in this region with a score of 848 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.2 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • Oklahoma drivers pay about 4% more for car insurance on average
  • The cheapest major car insurance company in Oklahoma is USAA.

The cheapest car insurance companies in Oklahoma

These companies offer the cheapest rates in the following scenarios.

usaa logo
Cheapest full coverage insurance: USAA

The cheapest rates are from USAA at $1,246 annually, or $104 per month.

USAA logo
Cheapest for minimum liability: USAA

For the minimum required coverage in Oklahoma, USAA is the cheapest on average. 

geico logo
Cheapest with bad credit: GEICO

If you have a poor credit history, check out GEICO for the cheapest average rates.

Company Avg. Annual Premium
USAA $1,246
State Farm $1,516
GEICO $1,686
Farmers $1,791
Progressive $1,897
Shelter $2,238
Allstate $2,649
Updated: 10/04/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Oklahoma auto insurance laws

Car insurance is mandatory in almost every state, including Oklahoma. If you choose the legal minimum coverage level in Oklahoma, expect to pay an average of $482 annually. This is less expensive than the nationwide average by 11%. 

If you choose the legal minimum coverage level in Oklahoma, expect to pay an average of $482 annually

State minimum coverage

In order to drive legally in the state of Oklahoma, you must carry at least the minimum liability limits listed below:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Optional coverage in Oklahoma (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
car with blue windshield

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Oklahoma, a comprehensive insurance policy with a $1,000 deductible costs $1,384, 187% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 241% more than you would for basic coverage.

In Oklahoma, a comprehensive insurance policy with a $1,000 deductible costs $1,384, 187% more than liability-only car insurance.

The Zebra's guide to Oklahoma car insurance laws


Learn more about car insurance requirements in the state of Oklahoma with our helpful guide.


Compare car insurance rates from the best companies in Oklahoma.

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Oklahoma car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Oklahoma.

 

Cheap auto insurance in Oklahoma for minimum coverage

Those looking for rock-bottom car insurance premiums are likely to consider just getting the minimum coverage required by the state of Oklahoma. While this will keep you legal on the road, it also leaves you at great risk. Put simply, minimum coverage isn't likely to go very far in protecting you and your assets in the event of an at-fault accident. Use the table below as a starting point and consider upping your coverage limits or adding new coverage types.

Company Avg. Annual Premium
USAA $292
GEICO $308
State Farm $331
Farmers $514
Allstate $606
Shelter $628
Progressive $673
Updated: 10/04/22.

Cheap auto insurance in Oklahoma with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Oklahoma drivers with poor credit pay $1,833 more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
GEICO $2,199
USAA $2,297
Farmers $2,780
Shelter $2,832
Progressive $3,556
Allstate $3,565
State Farm $7,457
Updated: 10/04/22.

Cheap auto insurance in Oklahoma with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase to as much as $2,285 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
USAA $1,769
State Farm $1,850
GEICO $2,522
Farmers $2,593
Shelter $3,044
Progressive $3,052
Allstate $3,392
Updated: 10/04/22.

Cheap auto insurance for young drivers in Oklahoma

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Oklahoma, teen drivers pay especially high rates: $5,333 per year — 235% more than a typical Oklahoma driver.

Company Avg. Annual Premium
USAA $3,614
GEICO $4,406
State Farm $4,664
Shelter $6,134
Allstate $6,757
Farmers $7,273
Progressive $7,400
Updated: 10/04/22.

Oklahoma auto insurance rate by violation

In Oklahoma, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. Car insurance premiums typically increase by 67% after a DUI and up to 28% after a speeding ticket.

See below average auto insurance rates in Oklahoma after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,899 0% $0
One Med/PIP claim $1,927 2% $29
One comp claim $1,939 2% $40
Two Med/PIP claims $1,946 2% $47
Not-at-fault accident $1,994 5% $95
Two comp claims $2,004 6% $105
Failure to show documents $2,098 10% $199
Driving without lights $2,145 13% $246
Failure to wear a seat belt $2,160 14% $261
Driving with expired registration $2,164 14% $265
Child safety restraint $2,166 14% $267
Cell phone violation $2,212 17% $314
Texting while driving $2,212 17% $314
Driving too slowly $2,234 18% $335
Speeding in school zone $2,234 18% $336
Failure to yield $2,252 19% $353
Failure to stop at a red light $2,261 19% $362
Following too closely $2,283 20% $384
Illegal turn $2,283 20% $385
Wrong way/wrong lane $2,296 21% $397
Improper passing $2,308 22% $409
Open container $2,335 23% $436
Passing school bus $2,350 24% $451
In 65 MPH zone $2,365 25% $467
Speeding 6 - 10 MPH over limit $2,374 25% $475
Speeding 11 - 15 MPH over limit $2,375 25% $476
Speeding 16 - 20 MPH over limit $2,380 25% $482
Speeding 21 - 25 MPH over limit $2,427 28% $528
At-fault accident - less than $1000 $2,447 29% $548
Operating a vehicle without permission $2,553 34% $654
At-fault accident - greater than $2000 $2,597 37% $698
At-fault accident - $1000-$2000 $2,597 37% $698
Reckless driving $2,789 47% $890
Racing $2,994 58% $1,096
Refusal to submit to a chemical test $3,018 59% $1,119
Driving with a suspended license $3,019 59% $1,121
DUI $3,059 61% $1,161
Leaving scene of an accident/hit and run $3,165 67% $1,266
Updated: 10/04/22.

Oklahoma DUI laws

In Oklahoma, a DUI offense can increase your annual car insurance premium to an average of $3,059. That’s 24% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

 
Low-cost car insurance after a DUI in Oklahoma

If you're convicted of a DUI or DWI violation in Oklahoma, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Oklahoma, State Farm offers annual rates 32% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Oklahoma is Progressive, while the priciest firm is GEICO, with prices 15% above average.

Company Avg. Annual Premium
State Farm $2,074
Progressive $2,140
Farmers $2,356
USAA $2,360
Allstate $3,250
Shelter $3,259
GEICO $3,530
Updated: 10/04/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Oklahoma SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company to ensure that you remain insured. Most states require an SR-22, but Oklahoma is one exception. The state of Oklahoma does not require you to file an SR-22 in order to apply for insurance. 

If you move from a state that requires an SR-22 to a state that does not, you will typically still need to follow the requirements of the state that first required you to file an SR-22.

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Find an affordable policy in Oklahoma in minutes!

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Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Dewey, Oklahoma, and the most expensive in Forest Park, Oklahoma.

Have a look at the table below to see average car insurance costs in some of Oklahoma's biggest cities.

City Avg. Annual Premium
Norman $1,931
Edmond $1,931
Broken Arrow $1,988
Oklahoma City $2,068
Tulsa $2,095
Updated: 10/04/22.

Car insurance price trends in Oklahoma

In Oklahoma average annual auto insurance costs increased by $46 in the past year. A typical Oklahoma driver pays an average of $1,592 per year.

The recent pricing trend in Oklahoma leans toward slightly pricier car insurance costs than the national average. The steepest decrease occurred from 2015 to 2016, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

OKLAHOMA CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Oklahoma Yearly Change — Oklahoma Avg. Annual Premium — US Yearly Change — US
2021 $1,592 $46 $1,529 $46
2020 $1,546 -$182 $1,483 -$61
2019 $1,728 $142 $1,544 $23
2018 $1,586 -$210 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Oklahoma car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Oklahoma auto insurance.

Who has the cheapest car insurance in Oklahoma? Chevron down icon
USAA provides the cheapest insurance in Oklahoma at $623 per six-month period. If you do not qualify for USAA, consider State Farm ($758), GEICO ($843) or Farmers ($895).
Why is Oklahoma car insurance so expensive? Chevron down icon
Car insurance in Oklahoma is slightly more expensive than it is in the rest of the U.S., with drivers paying 4% more than average. This is mainly due to the number of uninsured drivers in Oklahoma. Currently, there are 600,000 uninsured drivers in the state — one of the highest rates in the nation.
How much is car insurance in Oklahoma per month? Chevron down icon
For a liability-only policy, drivers pay $40 a month. Full coverage drivers pay $133.

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RECENT QUESTIONS

Is prior insurance liable for roof damage found or is the current insurance company?

Your new insurance carrier would be the company you file this claim with. Since there was no active claim with your old company, they would not open an investigation past your policy expiration date.
Jul 8, 2021 Midwest City, OK

Does a non-running vehicle need to be insured to be parked on the street?

In Washington, you would have to register the vehicle if it is going to be parked on the street. You wouldn't have to actually insure the truck until it is being driven on the road.
Aug 22, 2016 Lacey, WA

Does a zero dollar home insurance claim affect rating a policy?

If you were not paid out, a canceled claim should not have an effect on your premium. Database systems used for cataloging claims history can sometimes confuse this, however.
May 13, 2020 Edmond, OK

If my laptop was stolen from my car, how do I get it replaced?

Your personal items should be covered by your renters insurance policy; even inside your vehicle. Keep in mind that your renters deductible will be subtracted from the amount you receive for your computer.
Feb 23, 2017 Wichita, KS

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.