How Much Does Car Insurance Cost in Oklahoma City?


On average, Oklahoma City premiums exceed Oklahoma's average by $211, so cutting costs while insuring a vehicle in Oklahoma City is vital. Keep some money in your pocket by following our tips and saving on car insurance in Oklahoma City.


INSURANCE RATES: OKLAHOMA CITY VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,753$1,542$1,427


Oklahoma City Auto Insurance by Age

The biggest dip in premiums for Oklahoma City drivers happens when they reach their 20s. Once out of the teenage age bracket, people save an average of 66%. Turning 60 causes a rise in rates, but up until that point drivers can expect premium reductions when they progress from one age group to the next. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest insurance rates among any age group, with rates of $1,526/year. Those in their 60s ($1,550) aren’t paying much more. Car insurance premiums are highest for teenage drivers, with typical rates of $7,132 per year.


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


Oklahoma City Car Insurance by Marital Status and Gender


Pricing for car insurance premiums in Oklahoma City is dictated by many rating factors, including gender and marital status. Being married, as opposed to single, can save you around 6% per year on car insurance. Rates for those who are widowed are moderately cheaper than rates for those who are single. $29 is the amount by which men's and women's car insurance premiums vary.


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


Oklahoma City Auto Insurance by Credit Rating


Average car insurance premiums in Oklahoma City for those with Very Poor credit (300-579) are 3.7x higher than for those with Exceptional credit (800-850). The greatest benefit of better credit occurs when boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $1,873 per year.


OKLAHOMA CITY CAR INSURANCE RATES BY CREDIT TIER
CreditAverage Rate
Very Poor$5,511
Fair$3,638
Good$2,535
Very Good$1,877
Exceptional$1,486


Oklahoma City Car Insurance After an Accident or Moving Violation


Accidents and violations on your record can cost you in terms of car insurance rates. If you are found at-fault in an accident in Oklahoma City, you can expect your yearly car insurance payments to rise by 49%. $801 is the extra cost per year for drivers with a DUI in Oklahoma City, compared to the city average of $1,753. Reckless driving will push your rates up as well, with average rates of $2,381.


AVERAGE OKLAHOMA CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Insurance Rate
DUI/DWI$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


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

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

The Thunder Insurance Group LLC

1116 SW 29th St Oklahoma City, OK 73109

La Raza Insurance Ltd. Co.

2660 SW 44th St Oklahoma City, OK 73119

Russ Warren Ins Agcy

3431 NW 36th Oklahoma City, OK 73112

Haley's Insurance Agency

2440 N MACARTHUR Oklahoma City, OK 73127

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

Nuevo Central Insurance Agency LLC

1012 SW 29TH ST OKLAHOMA CITY, OK 73109

Econo-Wise Insurance Agency

2705 SW 29 Oklahoma City, OK 73119

Perimeter Insurance Agency, Inc.

4200 Perimeter Center Ste 245 Oklahoma City, OK 73112

Cheapest Auto Insurance

2615 N Macarthur Blvd Oklahoma City, OK 73127

Jiang & Associates Insurance Agency

7029 NW 12th St Oklahoma City, OK 73127

Rick Wood Insurance Agency Inc.

1117 SW 44 Oklahoma City, OK 73109

Workers Compensation For Less LLC

4300 Highline Blvd Ste 332 Oklahoma City, OK 73108

Insurance Agents, Inc.

1537 Sw 59Th St Oklahoma City, OK 73119

CPC Insurance Agency

1140 NW 50th St Oklahoma City, OK 73118

Professional Insurors Agency, LLC

7301 Broadway Extension Oklahoma City, OK 73116

Plico Financial Inc

226 Dean McGee Ave Ste 200 Oklahoma City, OK 73102

Crawford-Phillips Inc.

1215 North Street Oklahoma City, OK 73108

InLight Risk Management

1103 Sovereign Row Oklahoma City, OK 73108

BancFirst Insurance Services, Inc.

5400 N. Grand Blvd Oklahoma City, OK 73112

Cheapest Auto Insurance

2615 N MacArthur Blvd Oklahoma City, OK 73127

Tedford & Associates LLC- OKC

50 Penn Pl Oklahoma City, OK 73118

Above All Insurance, Inc

3632 NW 21st Oklahoma City, OK 73107

Alexander & Strunk Inc

3000 Northwest 149th Street Oklahoma City, OK 73134

Rich & Cartmill, Inc.

1608 NW Expressway #100 Oklahoma City, OK 73118

See All

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

icon_coffee

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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