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

The Zebra
Oct. 11, 2018

Auto insurance policies are expensive in Oklahoma. The average car insurance premium in Oklahoma is $1,542 annually — 8.0% more than the national average.

But auto insurance premiums are impacted by more than just your location. Auto insurance rates price based on an array of components, including a driver's age, gender, marital status, credit rating, and driving history.

We reviewed average Oklahoma car insurance rates by each of the main rating factors. Continue reading to learn how much car insurance costs in your location — or submit your zip code to receive personalized rates from leading insurance companies.


Average Auto Insurance Expenditure in Oklahoma by Age

It's impossible to avoid: as you age, your auto insurance rates change. As a general rule, auto insurance is pricier for teenage drivers, as insurers see inexperienced motorists as less responsible.

In Oklahoma, car insurance costs $7,433 each year for a 16-year-old driver, and only $1,319 per year for a driver aged from 50 to 60.


OKLAHOMA AUTO INSURANCE COSTS BY AGE
Age Average Annual Rate
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



Average Auto Insurance Expenditures in Oklahoma by Gender

While gender doesn’t have as significant an effect on auto insurance costs as state or age, it is utilized as a rating factor. Men pay less than do women for auto insurance in Oklahoma, but the difference is just $14.44 per year.

OKLAHOMA AUTO INSURANCE PRICES FOR MEN AND WOMEN
Gender Average Yearly Premium
Male $1,513.96
Female $1,528.40



Average Auto Insurance Rates in Oklahoma by Marital Status

A pro of nuptials — aside from the honeymoon — is the lower rates you may receive on your auto insurance. In Oklahoma, wedded drivers save $93 per year on auto insurance. This is a better deal than the national average of $76.


OKLAHOMA CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,513.96
Married $1,421.15
Divorced $1,513.96
Widowed $1,478.35



Average Car Insurance Rates in Oklahoma by Credit Tier

Car insurance companies utilize credit history to get an idea of the reliability of a prospective customer. Historical data demonstrate motorists with exceptional credit are often more dependable car insurance clients: they less commonly file claims insurance companies are compelled to cover.

In Oklahoma, a driver who holds exceptional credit can save $3,341.69 per year on car insurance, contrasted with a driver who has a bad credit history. Learn more about how credit impacts car insurance expenses:


OKLAHOMA AUTO INSURANCE PRICES BY CREDIT TIER
Credit Level Average 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



Median Car Insurance Costs for Bad Drivers in Oklahoma

If you’re discovered to be at fault in an accident or found guilty of a driving violation, your auto insurance costs are bound to climb. The more violations you accumulate, the more costly your car insurance gets.

In Oklahoma, your first minor at-fault incident results in a penalty of $665.01 each year in car insurance premiums. A DUI — among the most serious driving violations — may boost your yearly insurance rates in Oklahoma by as much as $627.04.


OKLAHOMA CAR INSURANCE PREMIUMS AFTER TICKETS
Age Average Yearly Rate
DWI/DUI $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, it's worth getting quotes to get cheap coverage that suits your needs.


Compare rates from top Oklahoma car insurers!

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