How much does car insurance cost in Oklahoma City?


The typical Oklahoma City driver pays $1,991 per year for car insurance. That's more than the statewide average in Oklahoma ($1,787) and pricier than the national average of $1,548. Our guide to Oklahoma City auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


OKLAHOMA CITY AUTO INSURANCE RATES
Oklahoma City Average (per year)Oklahoma AverageUnited States Average
$1,991$1,787$1,548

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Oklahoma City car insurance costs by provider


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Oklahoma City, State Farm offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Oklahoma City below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


OKLAHOMA CITY CAR INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
State Farm$1,328
GEICO$1,521
Progressive$1,855
Farmers$1,897
Allstate$2,073

Check out our guide to learn how to find the best cheap car insurance.



Car insurance rates by age bracket in Oklahoma City

The age bracket that pays the least for auto insurance in Oklahoma City consists of drivers in their 60s, who pay an average of $1,723. Those in their 50s don't pay much more ($1,725).

Teenage drivers pay Oklahoma City's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Oklahoma City is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Oklahoma City is $4,508, the largest such difference between any two age groups.


OKLAHOMA CITY CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$7,146
20s$2,638
30s$1,948
40s$1,859
50s$1,725
60s$1,723
70s$2,037

Learn more about the impact of age on car insurance premiums.



Oklahoma City auto insurance premiums by gender and marital status


Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Oklahoma City pay $156 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Oklahoma City, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Oklahoma City, female drivers pay $21 per year more than do male drivers.


OKLAHOMA CITY CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$2,012
Male$1,991
Single$1,835
Married$1,835
Divorced$1,949
Widowed$1,880

Learn more about how gender and marital status have on car insurance rates.



Oklahoma City auto insurance rates by accident and citation history


Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Oklahoma City, a reckless driving citation results in an average insurance rate increase of $1,110 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $900 increase and a speeding ticket triggers a $466 rate hike.


OKLAHOMA CITY CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Yearly Rate
DUI/DWI$2,891
Reckless Driving$3,101
At-fault Accident (damages less than $1,000)$2,787
At-fault Accident (damages > $2,000)$3,068
Speeding Ticket (16-20 mph over speed limit)$2,457

Learn more about how citations can raise your auto insurance rates.



Oklahoma City car insurance premiums by credit tier


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Oklahoma City, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 53% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Oklahoma City, moving into the "Fair" credit tier corresponds to an average of $1,238 in savings on insurance each year.


OKLAHOMA CITY CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$3,622
Fair$2,385
Good$1,991
Very Good$1,841
Exceptional$1,709

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Oklahoma City?

Where you live in Oklahoma City affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Oklahoma City is no exception to the rule. From ZIP code 73064 to 73117, premiums rise by 13 percent—that’s $237.

Expensive Oklahoma City ZIP codes: 73119, 73108, 73103, 73102, 73117

Cheap Oklahoma City ZIP codes: 73064, 73065, 74801, 73036, 73099

Oklahoma City Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Oklahoma City, you can expect 84 rainy days with an annual rainfall of 36.5 inches. Oklahoma City is also known to experience thunderstorms and tornadoes.

84

Rainy Days a Year

37"

Avg. Annual Rainfall

8"

Avg. Annual Snowfall

Be Prepared For

Driving in OKC

2
Major Highways
I-35 I-40 I-235
2
Toll Roads
Kilpatrick Turnpike
2
Popular Day Trips
Alabaster Caverns Chickasaw Turner Falls Park

Car Insurance Companies in Oklahoma City

Find Local Oklahoma City Agents

Russ Warren Ins Agcy

3431 NW 36th, Oklahoma City, OK 73112

Tedford & Associates LLC- OKC

50 Penn Pl 1900 NW Expressway, Oklahoma City, OK 73118

THN Insurance Solutions

2201 N Classen, Oklahoma City, OK 73106

La Raza Insurance Ltd Co

4504 NW 50th St Ste D, Oklahoma City, OK 73112

Cheapest Auto Insurance

2615 N MacArthur Blvd, Oklahoma City, OK 73127

La Raza Insurance Ltd. Co.

2660 SW 44th St, Oklahoma City, OK 73119

Econo-Wise Insurance Agency

2705 SW 29, Oklahoma City, OK 73119

Alexander & Strunk Inc

3000 Northwest 149th Street, Oklahoma City, OK 73134

Haley's Insurance Agency

2440 N MACARTHUR, Oklahoma City, OK 73127

BancFirst Insurance Services, Inc.

5400 N. Grand Blvd Suite 400, Oklahoma City, OK 73112

Professional Insurors Agency, LLC

7301 Broadway Extension Suite 200, Oklahoma City, OK 73116

The Thunder Insurance Group LLC

1116 SW 29th St, Oklahoma City, OK 73109

Jiang & Associates Insurance Agency

7029 NW 12th St, Oklahoma City, OK 73127

Rick Wood Insurance Agency Inc.

1117 SW 44, Oklahoma City, OK 73109

Nuevo Central Insurance Agency LLC

1012 SW 29TH ST, OKLAHOMA CITY, OK 73109

Crawford-Phillips Inc.

1215 North Street, Oklahoma City, OK 73108

CPC Insurance Agency

1140 NW 50th St, Oklahoma City, OK 73118

Perimeter Insurance Agency, Inc.

4200 Perimeter Center Ste 245, Oklahoma City, OK 73112

InLight Risk Management

1103 Sovereign Row, Oklahoma City, OK 73108

Rich & Cartmill, Inc.

1608 NW Expressway #100, Oklahoma City, OK 73118

Insurance Agents, Inc.

1537 Sw 59Th St, Oklahoma City, OK 73119

Workers Compensation For Less LLC

4300 Highline Blvd Ste 332, Oklahoma City, OK 73108

Cheapest Auto Insurance

2615 N Macarthur Blvd, Oklahoma City, OK 73127

Plico Financial Inc

226 Dean McGee Ave Ste 200, Oklahoma City, OK 73102

Above All Insurance, Inc

3632 NW 21st, Oklahoma City, OK 73107

Not sure about Oklahoma City

Check out these other Oklahoma cities:

Tulsa

2

$2,031

The average Oklahoma City resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

325

That's equal to 325 cups of coffee or $812 in savings

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Recent Questions:

Oklahoma City Car Insurance

Does my wife need to be on my motorcycle insurance policy?

You do not have to have to list your wife on your motorcycle policy. If she won't be driving the motorcycle, you can have her listed as an excluded driver. If you have any questions, don't hesitate to ask.

Will I be able to get a new car after an accident?

Unfortunately the license and insurance status of a driver does not play any factor in determining fault after an accident, so your insurance company should be the one covering your damage. If your vehicle was totaled then you should receive a payout for the value of your car minus your deductible.