Oklahoma Car Insurance Cost for 2025

How much does car insurance cost in Oklahoma? Find out which models have the cheapest insurance rates plus the lowest-cost vehicles by segment.

Start a Free QuoteCompare Oklahoma car insurance quotes and save on your next policy.

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:

  1. Ford F-150 pickup – $2,972 per year ($248 per month)
  2. Chevrolet Silverado pickup – $2,938 per year ($245 per month)
  3. Ram 1500 pickup – $3,070 per year ($256 per month)
  4. Toyota RAV4 compact SUV – $2,448 per year ($204 per month)
  5. Honda CR-V compact SUV – $2,262 per year ($189 per month)
  6. Toyota Camry midsize car – $2,852 per year ($238 per month)
  7. Chevrolet Equinox compact SUV – $2,446 per year ($204 per month)
  8. Honda Civic compact car – $2,352 per year ($196 per month)
  9. GMC Sierra pickup – $2,932 per year ($244 per month)
  10. 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.

Average full-coverage car insurance premium in Oklahoma for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Oklahoma for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Oklahoma Zip Codes.

Average Car Insurance Cost in Oklahoma
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,518$377
$500$5,340$445
$250$6,212$518
30$1,000$2,374$198
$500$2,832$236
$250$3,310$276
40$1,000$2,236$186
$500$2,658$222
$250$3,096$258
50$1,000$1,988$166
$500$2,352$196
$250$2,730$228
60$1,000$1,862$155
$500$2,202$184
$250$2,558$213

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 Oklahoma Zip Codes. Updated June 27, 2025

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.

Average cost of car insurance in Oklahoma compared to other Southwest region states.
Figure 2: Average cost of car insurance in Oklahoma compared to other Southwest region states. Rates updated on June 27, 2025.
Average Car Insurance Cost in Oklahoma Compared to Southwest Region
Southwest Region States Average Annual Premium Cost Difference
New Mexico$2,164-$494
Arizona$2,328-$330
Texas$2,350-$308
Oklahoma$2,658--

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 2024 model year vehicles and also for all Oklahoma Zip Codes. Updated June 27, 2025

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.

Car insurance average cost by automotive segment in Oklahoma.
Figure 3: Car insurance average cost by automotive segment in Oklahoma. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Oklahoma Zip Codes.

Car Insurance Rates by Automotive Segment in Oklahoma
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,440$203
Midsize SUV$2,620$218
Compact Car$2,626$219
Minivan$2,628$219
Midsize Pickup$2,680$223
Midsize Car$2,708$226
Compact Luxury SUV$2,878$240
Compact Luxury Car$2,920$243
Large SUV$2,932$244
Half-ton Pickup$2,944$245
Heavy Duty Pickup$3,054$255
Midsize Luxury SUV$3,154$263
Midsize Luxury Car$3,256$271
Sports Car$3,650$304
Large Car$3,818$318
Large Luxury SUV$4,112$343
Large Luxury Car$4,250$354

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 2024 model year vehicles and also for all Oklahoma Zip Codes. Updated June 27, 2025

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.

Top 75 Cheapest Vehicles to Insure in Oklahoma
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,962$164
2Chevrolet Trailblazer$1,994$166
3Kia Soul$2,072$173
4Nissan Kicks$2,090$174
5Honda Passport$2,114$176
6Buick Envision$2,128$177
7Toyota Corolla Cross$2,140$178
8Hyundai Venue$2,156$180
9Mazda CX-5$2,168$181
10Ford Bronco Sport$2,172$181
11Volkswagen Tiguan$2,198$183
12Acura RDX$2,220$185
13Nissan Murano$2,230$186
14Buick Encore$2,254$188
15Honda CR-V$2,262$189
16Subaru Outback$2,264$189
17Buick Envista$2,270$189
18Volkswagen Taos$2,274$190
19Kia Niro$2,284$190
20Subaru Ascent$2,308$192
21Toyota GR Corolla$2,308$192
22Honda HR-V$2,312$193
23Nissan Leaf$2,326$194
24Chevrolet Colorado$2,338$195
25Lexus NX 250$2,350$196
26Honda Civic$2,352$196
27Volkswagen Atlas$2,356$196
28Acura Integra$2,358$197
29Subaru Forester$2,362$197
30Volkswagen Atlas Cross Sport$2,366$197
31Kia Seltos$2,372$198
32GMC Terrain$2,374$198
33Nissan Rogue$2,386$199
34Hyundai Kona$2,390$199
35Cadillac XT4$2,396$200
36Mazda CX-30$2,396$200
37Ford Explorer$2,406$201
38Volkswagen ID4$2,406$201
39Toyota Highlander$2,418$202
40Ford Escape$2,422$202
41Honda Odyssey$2,424$202
42Toyota Venza$2,424$202
43Nissan Sentra$2,432$203
44Subaru Impreza$2,440$203
45Chevrolet Equinox$2,446$204
46Toyota RAV4$2,448$204
47Mazda MX-5 Miata$2,454$205
48Mazda MX-30$2,464$205
49Hyundai Tucson$2,466$206
50Chevrolet Traverse$2,478$207
51Toyota Prius$2,478$207
52Jaguar E-Pace$2,484$207
53Nissan Titan$2,484$207
54Chevrolet Tahoe$2,492$208
55Mitsubishi Outlander Sport$2,492$208
56Cadillac XT5$2,504$209
57Lexus NX 350h$2,504$209
58Mitsubishi Outlander PHEV$2,506$209
59Chevrolet Trax$2,508$209
60Ford Edge$2,508$209
61Nissan Frontier$2,512$209
62Mini Cooper Clubman$2,516$210
63Kia Sorento$2,520$210
64Mini Cooper$2,522$210
65Lincoln Corsair$2,536$211
66Ford Ranger$2,538$212
67Mercedes-Benz GLB 250$2,540$212
68Lexus UX 250h$2,546$212
69Mitsubishi Eclipse Cross$2,546$212
70Jeep Renegade$2,552$213
71Kia K5$2,558$213
72Lexus NX 450h$2,560$213
73GMC Acadia$2,564$214
74Honda Accord$2,566$214
75Buick Enclave$2,568$214

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

Top 75 cheapest vehicles to insure in Oklahoma with the Subaru Crosstrek ranking first at $1,962 per year
Top 75 cheapest vehicles to insure in Oklahoma with the Subaru Crosstrek ranking first at $1,962 per year

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.

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%.