How Much Does Car Insurance Cost in Oklahoma on Average?
- State minimum liability on average in Oklahoma costs $72 a month or $868 a year. Full coverage auto policies costs around $309 a month or $3,712 a year in OK.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Oklahoma – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Oklahoma
- In Oklahoma the cheapest car insurance companies on average are Erie, Progressive and GEICO. State minimum liability car insurance starts at $47 a month or $561 a year. The cheapest full coverage car insurance starts at $241 a month or $2,886 a year with a State Farm policy.
Here are the average policy rates from the cheapest local and national insurance providers in Oklahoma from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $561 | $47 | $2,886 | $241 |
| Progressive | $568 | $47 | $3,461 | $288 |
| Allstate | $615 | $51 | $3,008 | $251 |
| GEICO | $624 | $52 | $3,757 | $313 |
| Farmers | $882 | $73 | $3,885 | $324 |
Average Auto Insurance Costs for Popular OK Cities
| Oklahoma City: | State Minimum: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| Broken Arrow | $827 | $69 | $3,444 | $287 |
| Edmond | $847 | $71 | $3,537 | $295 |
| Enid | $608 | $51 | $3,142 | $262 |
| Lawton | $667 | $56 | $3,129 | $261 |
| Moore | $848 | $71 | $3,533 | $294 |
| Norman | $809 | $67 | $3,467 | $289 |
| Oklahoma City | $860 | $72 | $3,689 | $307 |
| Tulsa | $868 | $72 | $3,712 | $309 |
SEE OUR LIST OF OKLAHOMA CITY COST GUIDES:
Oklahoma State Minimum Liability Car Insurance Requirements
Many Americans own at least one car to get around. If you own a car in Oklahoma or plan to move there, you should learn all about Oklahoma auto insurance requirements to ensure you are in compliance with all relevant state laws. Oklahoma requires that all drivers meet certain insurance minimums when they drive, which are:
- $25,000 to cover the injury or death of one person
- $50,000 to cover the injury or death of two people
- $25,000 to cover damage to property
You must also carry proof of insurance, such as the actual document or an insurance card. If you are caught without any proof of insurance, the state can suspend your license and vehicle registration.
Average Cost of Car Insurance in Oklahoma by County
The average cost of car insurance in Oklahoma varies between different drivers. Here is a breakdown of the amount you can expect to pay on car insurance policy costs by county for vehicle types below for the average minimum state policy of an OK driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Adair | $1,222 | $988 | $1,149 | $1,058 | $1,322 |
| Alfalfa | $1,134 | $977 | $1,058 | $1,158 | $1,237 |
| Atoka | $1,189 | $1,023 | $1,118 | $1,223 | $1,285 |
| Beaver | $1,116 | $954 | $1,043 | $1,021 | $1,217 |
| Beckham | $1,164 | $1,001 | $1,094 | $1,104 | $1,263 |
| Blaine | $1,138 | $964 | $1,066 | $1,040 | $1,239 |
| Bryan | $1,189 | $1,023 | $1,118 | $1,155 | $1,285 |
| Caddo | $1,142 | $977 | $1,068 | $1,084 | $1,243 |
| Canadian | $1,153 | $996 | $1,097 | $1,172 | $1,230 |
| Carter | $1,155 | $996 | $1,091 | $1,081 | $1,241 |
How to Get the Cheapest Auto Policy Rates
Auto insurance is something you need to have. You want to get maximum coverage for a reasonable and affordable amount. There are ways to lower your premiums in Oklahoma. According to the Oklahoma Insurance Department, here are a few ways you can save money.
To get cheap car insurance rates in Oklahoma, you can follow several strategies:
- Shop Around: Get quotes from multiple insurance companies. Each insurer uses different criteria to calculate rates, so shopping around allows you to find the best deal for your specific situation. Use Insurance Quotes to easily compare multiple rates.
- Bundle Policies: Consider bundling your car insurance with other insurance policies such as home or renters insurance. Many insurers offer discounts for bundling multiple policies.
- Maintain a Good Driving Record: Insurance companies often offer lower rates to drivers with clean driving records. Avoid accidents and traffic violations to qualify for lower premiums.
- Choose a Higher Deductible: Opting for a higher deductible can lower your premium. Just make sure you can afford the deductible amount in case you need to make a claim.
- Drive Less: Some insurers offer discounts for low-mileage drivers. If you don’t drive much, inquire about discounts for reduced mileage.
- Take Advantage of Discounts: Ask about available discounts such as safe driver discounts, good student discounts, or discounts for safety features installed in your vehicle.
- Maintain Good Credit: In many states, including Oklahoma, insurance companies use credit scores to determine premiums. Maintaining good credit can help you qualify for lower rates.
- Consider the Type of Car You Drive: Insurance premiums can vary depending on the make and model of your car. Generally, newer or more expensive cars cost more to insure. Opting for a practical and safe vehicle can help keep insurance costs down.
- Review and Update Your Coverage: Regularly review your insurance coverage to ensure it still meets your needs. You may be able to adjust your coverage to lower your premium without sacrificing necessary protection.
- Take Defensive Driving Courses: Some insurers offer discounts to drivers who complete approved defensive driving courses. Check with your insurer to see if they offer such discounts.
By implementing these strategies and comparing quotes from different insurers, you can increase your chances of finding cheap car insurance rates in Oklahoma. Remember to consider both the cost and the coverage provided when choosing an insurance policy.
Moving to Oklahoma: Important Information
If you’re moving to Oklahoma from another state, you must get an Oklahoma driver’s license as soon as possible. Take two forms of ID, your out-of-state license and Social Security number to the nearest DPS driver’s license office to get your new Oklahoma license. Depending on the situation, it may waive the written and driving test, but you must still take the vision test.
You will also have to obtain a new vehicle registration and plates within 30 days of becoming a resident of the state. Bring three valid forms of identification, proof of insurance and proof of car ownership to a vehicle tag office. You must go to an official tag agency, which is a private company the Oklahoma Tax Commission has authorized to give out certain certificates. The tag company will give you a certification that verifies your vehicle identification number (VIN) and odometer reading.
Understanding Driving Laws in Oklahoma
While traffic laws are nearly the same in every state, there are some unique laws drivers in Oklahoma should know. The mandatory point system helps the DPS keep track of your driving record. Starting with zero points, you’ll accumulate them for violations. If you accrue 10 points in five years, the state will suspend your license.
While driving, make sure you check signs on the road for speed limits. However, if there are no signs posted, certain types of streets and highways have maximum speed limits.
- Four-lane and super two-lane highways have a maximum speed limit of 70 mph
- Turnpikes have a maximum 75 mph
- Two-lane highways are 65 mph
- School zones have a maximum speed of 25 mph
How Credit Scores and DUIs Affect Oklahoma Car Insurance Rates
Oklahoma insurers are permitted to use credit-based insurance scores when setting premiums, and the gap is significant: drivers with bad credit pay an average of $290 per month for full coverage, compared to $129 per month for drivers with good credit — a difference of about $161 per month, or roughly $1,932 per year. A DUI conviction also raises Oklahoma rates, typically adding about $55 per month to full-coverage premiums, or roughly $659 per year. Progressive and State Farm tend to offer some of the more affordable options in Oklahoma after a DUI, with rates around $109 to $135 per month. Because the spread between carriers is wide, Oklahoma drivers recovering from a credit setback or a DUI should compare quotes from multiple insurers rather than accept a renewal increase.
Frequently Asked Questions About Oklahoma Car Insurance
Here are the most common questions Oklahoma drivers ask about auto insurance costs, requirements, and how to find the best rate.
How much is car insurance in Oklahoma per month?
Oklahoma drivers pay an average of $72 per month for state minimum liability coverage and $309 per month for full coverage, according to insuranceQuotes.com rate data. That works out to roughly $868 per year for minimum coverage and $3,712 per year for full coverage.
What is the cheapest car insurance company in Oklahoma?
USAA offers the lowest average annual premium in Oklahoma at around $1,343 per year, but it’s only available to military members, veterans, and their families. Progressive is typically the next-cheapest option for most drivers, averaging around $1,488 per year.
What are Oklahoma’s minimum car insurance requirements?
Oklahoma requires liability coverage of 25/50/25 — $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 for property damage. Oklahoma is an at-fault state, so drivers responsible for an accident are financially liable for damages beyond their policy limits.
How much does a DUI raise car insurance rates in Oklahoma?
A DUI conviction in Oklahoma typically adds about $55 per month to full-coverage premiums, raising the annual cost from around $1,670 to $2,329 — an increase of about $659 per year. Progressive tends to offer the lowest post-DUI rates in Oklahoma at around $109 per month, with State Farm close behind at about $135 per month.
Does credit score affect car insurance rates in Oklahoma?
Yes. Oklahoma insurers can use credit-based insurance scores when setting premiums, and the difference is significant: drivers with bad credit pay an average of $290 per month for full coverage, compared to $129 per month for drivers with good credit — a gap of about $161 per month, or roughly $1,932 per year. Drivers with credit scores of 750 or better often pay around $151 per month.
How long do I have to register my car and get insurance after moving to Oklahoma?
New Oklahoma residents generally have 30 days after establishing residency to register their vehicle with the Oklahoma Tax Commission and obtain an Oklahoma auto insurance policy that meets the state’s minimum liability requirements.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
