Oklahoma Car Insurance Quotes & Average Rates
Full coverage car insurance in Oklahoma is estimated at $2,446 a year, or $204 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $713 a year. Oklahoma is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 33 Oklahoma cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Oklahoma
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Oklahoma
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,859 | $155 | -24% | Military members and families only |
| Geico | $2,006 | $167 | -18% | Usually cheapest for clean records |
| State Farm | $2,152 | $179 | -12% | Strong for young and student drivers |
| Progressive | $2,324 | $194 | -5% | Competitive after a ticket or accident |
| Travelers | $2,373 | $198 | -3% | Good multi-policy discounts |
| Nationwide | $2,446 | $204 | 0% | Mid-market, wide availability |
| Allstate | $2,788 | $232 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,960 | $247 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Oklahoma. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Oklahoma car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $6,605 | $1,927 | $550 |
| 18 years old | $5,572 | $1,625 | $464 |
| 20 years old | $4,614 | $1,346 | $384 |
| 22 years old | $3,832 | $1,118 | $319 |
| 25 years old | $2,925 | $853 | $244 |
| 30 years old | $2,521 | $735 | $210 |
| 40 years old | $2,370 | $691 | $197 |
| 50 years old | $2,269 | $662 | $189 |
| 60 years old | $2,244 | $654 | $187 |
| 65 years old | $2,345 | $684 | $195 |
| 70 years old | $2,572 | $750 | $214 |
| 75 years old | $3,000 | $875 | $250 |
Estimated premiums by age in Oklahoma, clean record, sedan.
How violations change your Oklahoma premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,446 | — |
| 1 speeding ticket | $3,008 | +23% |
| 1 at-fault accident | $3,595 | +47% |
| DUI / DWI | $4,622 | +89% |
What a violation costs a 35-year-old in Oklahoma. Surcharges normally stay on the policy for three to five years.
A DUI in Oklahoma usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Oklahoma minimum insurance requirements
| Required coverage in Oklahoma | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Oklahoma Department of Insurance before you buy.
Coverage levels in Oklahoma
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $713 | $59 |
| Full coverage (100/300/100 + comp & collision) | $2,446 | $204 |
| Full coverage, high limits + low deductible | $2,910 | $243 |
Coverage level comparison for Oklahoma.
Car insurance rates in Oklahoma cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 33 Oklahoma cities we price.