How Much Does Car Insurance Cost in Oklahoma City?


Oklahoma City is recognized for its expensive premiums, as its mean premium is $211 greater than the state average. So understanding premium costs while insuring a vehicle in Oklahoma City is vital. We've analyzed how auto insurance rates in Oklahoma City compare to premiums nationwide.


INSURANCE PREMIUMS: OKLAHOMA CITY VS. NATIONAL/STATE AVERAGES
City Average State Average National Average
$1,753 $1,542 $1,427


Oklahoma City Car Insurance After an Accident or Moving Violation


By avoiding driving mishaps that can bloat the expense of insurance premiums, you can not only save yourself money, but become a safer driver. Drivers with a DUI in Oklahoma City need to spend $801 more than the city average to insure their vehicle. Reckless driving will also drive your rates up, with typical rates of $2,381. That is 36% higher than the city average. If you are found at-fault in an accident in Oklahoma City, you can expect your yearly car insurance payments to grow by 49%.


AVERAGE OKLAHOMA CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/Violation Average Rate
DUI $2,554
Reckless Driving $2,381
At-fault Accident (damages less than $1,000) $2,606
At-fault Accident (damages greater than $2,000) $2,606
Speeding Ticket (16-20 mph over speed limit) $2,112


Oklahoma City Car Insurance by Age

With rates of $7,132 on average, teenage drivers are the ones who pay the most in car insurance premiums. In Oklahoma City, drivers see the greatest decrease in premiums when they reach their 20s, as they save an average of 66% from moving out of the teenage age bracket. Rates for drivers continue to shrink through their 50s, but they can expect a change when they turn 60. When looking across all age groups, drivers in their 50s have the lowest premiums. Their rates usually average $1,526 per year. Those in their 60s ($1,550) aren’t paying significantly more.


OKLAHOMA CITY CAR INSURANCE RATES BY DRIVER AGE
Age Average Rate
Teenagers $7,132
20s $2,392
30s $1,716
40s $1,651
50s $1,526
60s $1,550
70s $1,836


Oklahoma City Auto Insurance by Credit Level


For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are 271% more per year. Drivers will see the greatest reduction in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,873 per year.


OKLAHOMA CITY AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit Score Average Car Insurance Rate
Very Poor $5,511
Fair $3,638
Good $2,535
Very Good $1,877
Exceptional $1,486


Oklahoma City Car Insurance by Marital Status and Gender


In Oklahoma City, many driver traits, including marital status and gender, can affect car insurance premiums. Rates for those who are widowed are somewhat cheaper than rates for those who are single. People who are single spend around $110 more per year on car insurance compared to those who are married. Males have premiums that are roughly 2% cheaper than those for females.


OKLAHOMA CITY AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Rate
Female $1,782
Male $1,753
Single $1,753
Married $1,642
Divorced $1,753
Widowed $1,711


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

84

Rainy Days a Year

37"

Avg. Annual Rainfall

8"

Avg. Annual Snowfall

Be Prepared For

Driving in OKC

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

Car Insurance Companies in Oklahoma City

Allstate Bristol West Falcon GAINSCO Hallmark Home State Jupiter Auto Liberty Mutual MetLife Oklahoma Farm Bureau Oklahoma Farmers Union Safe Auto Shelter The General Traders

Find Local Oklahoma City Agents

Russ Warren Ins Agcy

3431 NW 36th Oklahoma City, OK 73112

Plico Financial Inc

226 Dean McGee Ave Ste 200 Oklahoma City, OK 73102

Professional Insurors Agency, LLC

7301 Broadway Extension Oklahoma City, OK 73116

Perimeter Insurance Agency, Inc.

4200 Perimeter Center Ste 245 Oklahoma City, OK 73112

Rich & Cartmill, Inc.

1608 NW Expressway #100 Oklahoma City, OK 73118

Cheapest Auto Insurance

2615 N MacArthur Blvd Oklahoma City, OK 73127

Workers Compensation For Less LLC

4300 Highline Blvd Ste 332 Oklahoma City, OK 73108

Rick Wood Insurance Agency Inc.

1117 SW 44 Oklahoma City, OK 73109

La Raza Insurance Ltd. Co.

2660 SW 44th St Oklahoma City, OK 73119

The Thunder Insurance Group LLC

1116 SW 29th St Oklahoma City, OK 73109

Nuevo Central Insurance Agency LLC

1012 SW 29TH ST OKLAHOMA CITY, OK 73109

La Raza Insurance Ltd Co

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

InLight Risk Management

1103 Sovereign Row Oklahoma City, OK 73108

CPC Insurance Agency

1140 NW 50th St Oklahoma City, OK 73118

Alexander & Strunk Inc

3000 Northwest 149th Street Oklahoma City, OK 73134

Cheapest Auto Insurance

2615 N Macarthur Blvd Oklahoma City, OK 73127

Econo-Wise Insurance Agency

2705 SW 29 Oklahoma City, OK 73119

Tedford & Associates LLC- OKC

50 Penn Pl Oklahoma City, OK 73118

Crawford-Phillips Inc.

1215 North Street Oklahoma City, OK 73108

Jiang & Associates Insurance Agency

7029 NW 12th St Oklahoma City, OK 73127

Insurance Agents, Inc.

1537 Sw 59Th St Oklahoma City, OK 73119

BancFirst Insurance Services, Inc.

5400 N. Grand Blvd Oklahoma City, OK 73112

Haley's Insurance Agency

2440 N MACARTHUR Oklahoma City, OK 73127

Above All Insurance, Inc

3632 NW 21st Oklahoma City, OK 73107

THN Insurance Solutions

2201 N Classen Oklahoma City, OK 73106

See All

Not sure about Oklahoma City

Check out these other Oklahoma cities...

Tulsa

$2,031

The average Oklahoma City resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

325

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

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Oklahoma City Car Insurance

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