- Oklahoma car insurance rates cost an average of $2,658 per year, or approximately $222 per month.
- When compared to the other southwestern states of Texas, Arizona, and New Mexico, Oklahoma ranks last for affordable car insurance rates.
- Cheap car insurance in Oklahoma can be found on models like Toyota GR Corolla, Nissan Sentra, and Subaru Impreza.
What is average car insurance cost in Oklahoma?
The average cost of car insurance in Oklahoma is $2,658 per year, which is 17.9% more than the U.S. average rate of $2,221.
The average cost per month for car insurance in Oklahoma is $222, with cheaper models like the Nissan Kicks costing $203, the Kia Soul costing $196, and the Chevrolet Trailblazer costing $194 per month.
The most popular vehicles in Oklahoma do not necessarily have the cheapest insurance rates, however. The list below shows annual and monthly average rates for some of the best-selling vehicles in the state of Oklahoma.
Average car insurance rates for the top 10 selling vehicles in Oklahoma:
- Ford F-150 pickup – $2,972 per year ($248 per month)
- Chevrolet Silverado pickup – $2,938 per year ($245 per month)
- Ram 1500 pickup – $3,070 per year ($256 per month)
- Toyota RAV4 compact SUV – $2,448 per year ($204 per month)
- Honda CR-V compact SUV – $2,262 per year ($189 per month)
- Toyota Camry midsize car – $2,852 per year ($238 per month)
- Chevrolet Equinox compact SUV – $2,446 per year ($204 per month)
- Honda Civic compact car – $2,352 per year ($196 per month)
- GMC Sierra pickup – $2,932 per year ($244 per month)
- Toyota Tacoma midsize pickup – $2,688 per year ($224 per month)
The chart below shows average car insurance cost in Oklahoma for drivers age 20 to 60 and for different policy deductible limits.

As shown in the chart, the average cost of car insurance is $2,658 per year (40-year-old driver with $500 deductibles) and ranges from $1,862 per year for a 60-year-old driver with a policy with high deductibles to $6,212 per year for a 20-year-old driver with low physical damage deductibles.
From a monthly standpoint, the average cost in the chart above ranges from $155 to $518 per month, depending on driver age and deductibles.
How do Oklahoma car insurance rates compare?
When compared to surrounding states, average Oklahoma car insurance rates are 12.3% higher than Texas, 3.9% higher than Arkansas, 1.5% lower than Missouri, 8.1% higher than Kansas, 2.1% higher than Colorado, and 20.5% higher than New Mexico.
The chart below shows how Oklahoma compares to the other three states in the U.S. Southwest region for car insurance affordability. Oklahoma ranks last in its region and ranks 39th out of all 50 U.S. states.

When compared to states in other parts of the country, the average cost of auto insurance in Oklahoma is 39.4% more expensive than Maine, 3.5% cheaper than Florida, 3.5% cheaper than New York, 37.3% more expensive than North Carolina, and 16.1% more expensive than Illinois.
Oklahoma car insurance rates by vehicle segment
The chart below groups all vehicles into their respective segments and shows the average car insurance cost for each. Compact SUVs and midsize trucks tend to have the cheapest overall auto insurance rates, while vehicles like sports cars, large luxury cars and SUVs, and exotic cars tend to have the most expensive rates.

What vehicles are cheapest to insure in Oklahoma?
The vehicles with the best car insurance quotes in Oklahoma tend to be compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Kia Soul.
Average auto insurance prices for those vehicles cost $2,072 or less per year for a full coverage policy.
Some additional models that are ranked high in the cost comparison table are the Volkswagen Tiguan, Honda CR-V, Nissan Murano, and Kia Niro. Average insurance cost is marginally higher for those models than the small SUVs at the top of the list, but they still have an average cost of $190 or less per month in Oklahoma.
For luxury car models, the cheapest insurance rates in Oklahoma can be found on the Acura Integra at $2,358 per year, the BMW 330i at $2,702 per year, and the Mercedes-Benz CLA250 at $2,730 per year.
For luxury SUVs, the Acura RDX at $2,220 per year, the Lexus NX 250 at $2,350 per year, and the Cadillac XT4 at $2,396 per year are the cheapest to insure.
The next table ranks the top 75 vehicles from the 2024 model year that have the cheapest car insurance quotes in Oklahoma.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Oklahoma Zip Codes. Updated June 26, 2025
Average rates by city in Oklahoma
Average car insurance rates are shown below for some of the larger cities in Oklahoma. Visit any page for more detailed rates including the cheapest cars, pickup trucks, and SUVs to insure in each city.
- Oklahoma City Car Insurance - $2,822 per year or $235 per month
- Tulsa Car Insurance - $2,834 per year or $236 per month
- Norman Car Insurance - $2,680 per year or $223 per month
- Broken Arrow Car Insurance - $2,716 per year or $226 per month
- Lawton Car Insurance - $2,528 per year or $211 per month
- Edmond Car Insurance - $2,694 per year or $225 per month
- Moore Car Insurance - $2,748 per year or $229 per month
Bonus rates and insights
As if the above data wasn’t enough to absorb, the list below contains some extra situations that could cause rate increases or decreases. Also included are some tips for finding cheaper car insurance in Oklahoma.
- Earn a discount from your occupation. The large majority of auto insurance providers offer discounts for specific professions like lawyers, architects, doctors, dentists, firefighters, accountants, and others. Qualifying for this discount could save between $80 and $258 on your auto insurance bill, depending on the level of coverage purchased.
- Qualify for discounts to lower insurance cost. Discounts may be available if the insured drivers are loyal customers, drive low annual mileage, belong to certain professional organizations, are homeowners, are accident-free, or many other discounts which could save the average driver as much as $710 per year on the cost of auto insurance
- Improve your credit for cheaper car insurance quotes. Having excellent credit of 800+ may save up to $417 per year versus a good rating of 670-739. Conversely, a less-than-perfect credit score could cost around $484 more per year. See the Oklahoma Insurance Department for more information on how credit impacts car insurance rates.
- The gender of the driver affects insurance cost. For the average 2024 model year vehicle, a 20-year-old male receives an average rate of $5,340 per year, while a 20-year-old female driver will pay an average of $3,836, a difference of $1,504 per year. The females get much better rates. But by age 50, the rate for males is $2,352 and rates for female drivers are $2,292, a difference of only $60.
- Driving citations can increase insurance cost. To get the cheapest car insurance quotes in Oklahoma, you have to be a great driver. Not surprisingly, just a couple of minor driving infractions can increase insurance policy cost by up to $704 per year.
- As driver age increases, auto insurance rates tend to go down. The difference in Oklahoma car insurance cost between a 50-year-old driver ($2,352 per year) and a 20-year-old driver ($5,340 per year) is $2,988, or a difference of 77.7%.