What's the Average Cost of Car Insurance in Oklahoma?

The Zebra
Feb. 7, 2019

Car insurance policies are expensive in Oklahoma. The average auto insurance rate in Oklahoma is $1,542 per year — 8% more than the national average.

But auto insurance premiums are affected by more than just geography. Auto insurance premiums price based on a number of components, including your marital status, driving history, credit rating, gender, and age.

We assessed mean Oklahoma car insurance rates by each of the major rating factors. Read on to learn how much car insurance costs in your state — or submit your zip to view personalized prices from popular insurance companies.


Find affordable car insurance today!



Average Oklahoma car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Rates in Oklahoma by Age

It's unavoidable: as you grow older, your auto insurance premiums change. Typically, auto insurance is more expensive for teenage drivers, as car insurance companies see inexperienced drivers as more risky.

In Oklahoma, car insurance costs $7,433 annually for a 16-year-old driver, compared to $1,319 per annum for a client in their 50s.


OKLAHOMA CAR INSURANCE RATES BY AGE
AgeAverage Yearly Premium
16$7,433.19
17$6,734.06
18$5,922.93
19$3,567.90
20s$2,043.44
30s$1,481.68
40s$1,426.51
50s$1,319.39
60s$1,331.10
70s$1,551.49

If you're facing the frightful prospect of getting insurance for a teen driver, consider that Oklahoma is a relatively expensive state in which to buy car insurance for a 16-year-old.




Average Auto Insurance Prices in Oklahoma by Gender

While gender does not make as large an impact on car insurance rates as location or age, it is used as a rating factor by car insurance underwriters.


OKLAHOMA AUTO INSURANCE RATES FOR WOMEN VS. MEN
GenderAverage Yearly Cost
Male$1,513.96
Female$1,528.40

If you're concerned you might not be getting the best possible value with your present car insurance company, the best option is to shop around and compare rates.




Mean Car Insurance Rates in Oklahoma by Marital Status

One pro of marriage — aside from the wedding gifts — is the lower prices you often earn on your car insurance policy. In Oklahoma, wedded motorists save $93 each year on auto insurance. This is a better deal than the national post-wedding price cut of $76.


OKLAHOMA AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,513.96
Married$1,421.15
Divorced$1,513.96
Widowed$1,478.35

Car insurance for divorced drivers in Oklahoma is the 13th most expensive in the US. If you are being overcharged for your policy, don't be afraid to shop around. It never hurts to see what's out there!


Find cheap car insurance today!




Average Auto Insurance Rates in Oklahoma by Credit Score

Insurers rely on credit history to get an idea of a potential customer's insurability. Historical trends suggest drivers with exceptional credit are more insurable car insurance customers: they're less likely to file claims insurance companies have to reimburse.

In Oklahoma, a car insurance client who carries excellent credit saves $3,341.69 per year on car insurance rates, versus a driver saddled with a poor credit history. Read more about how credit can affect auto insurance expenditures:


OKLAHOMA CAR INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Annual Rate
Very Poor (300-579)$4,629.60
Fair (580-669)$3,080.40
Good (670-739)$2,166.07
Very Good (740-799)$1,617.74
Exceptional (800-850)$1,287.90

Finding inexpensive auto insurance with a bad credit history is sometimes hard. But we're here to provide some help. Check out our guide to finding auto insurance with bad credit and learn how to save!




Average Car Insurance Prices for Bad Motorists in Oklahoma

If you've been determined to be at fault in an accident or found guilty of a driving violation, your insurance premiums are bound to grow. The more violations you accumulate, the pricier your car insurance policy gets.

In Oklahoma, your first minor at-fault incident will lead to an extra $665.01 annually in auto insurance premiums. A DUI — among the most serious driving offenses — may increase your annual car insurance costs in Oklahoma by an average of $627.04.


OKLAHOMA AUTO INSURANCE COSTS AFTER VIOLATIONS
AgeAverage Annual Rate
DUI or DWI$2,168.94
Reckless Driving$2,028.36
At-Fault Accident (<$1,000)$2,206.91
At-Fault Accident ($1,000-$2,000)$2,254.21
At-Fault Accident (>$2,000)$2,206.91
Open Container$1,925.54
Speeding (21-25 MPH > limit)$1,857.52
Speeding (16-20 MPH > limit)$1,847.56

If your premiums are above-average, think about policy shopping to get affordable insurance coverage that meets state regulations.




Median Car Insurance Costs by Coverage in Oklahoma

The sum you pay monthly for auto insurance depends on the level of protection you choose. A liability-only policy usually costs less, while lower-deductible comprehensive coverage usually costs more. In Oklahoma, the price difference between state-minimum liability-only coverage and full coverage with a $500 deductible is $839.


OKLAHOMA CAR INSURANCE COSTS BY COVERAGE LEVEL
Coverage LevelAverage Yearly Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$747
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,426
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,596
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$608
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,284
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,455
State Minimum — Liability Only$531
State Minimum — $1,000 Comprehensive/Collision$1,200
State Minimum — $500 Comprehensive/Collision$1,370

If you're facing above-average car insurance payments, it's worth comparing options to discover inexpensive insurance coverage that works for you.