Oklahoma Car Insurance Cost for 2022

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

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What is average car insurance cost in Oklahoma?

The average cost of car insurance in Oklahoma is $1,480 per year, which is 5.6% less than the U.S. average rate of $1,567.

The average cost per month for car insurance in Oklahoma is $123, with cheaper models like the Honda CR-V costing $108, the Mazda CX-30 costing $109, and the Subaru Impreza costing $107 per month.

The most popular vehicles in Oklahoma do not necessarily have the cheapest insurance rates. Only five out of the top 10 most popular vehicles made it into our top 75 cheapest list featured later in the article. The Honda CR-V, Toyota Tacoma, Chevy Equinox, Honda Civic, and Ford F-150 were included. The other five have higher overall rates and did not make it onto the list of the cheapest to insure.

Average car insurance rates for the top 10 selling vehicles in Oklahoma:

  1. Ford F-150 pickup – $1,432 per year ($119 per month)
  2. Chevrolet Silverado pickup – $1,594 per year ($133 per month)
  3. Ram 1500 pickup – $1,692 per year ($141 per month)
  4. Toyota RAV4 compact SUV – $1,398 per year ($117 per month)
  5. Honda CR-V compact SUV – $1,296 per year ($108 per month)
  6. Toyota Camry midsize car – $1,456 per year ($121 per month)
  7. Chevrolet Equinox compact SUV – $1,386 per year ($116 per month)
  8. Honda Civic compact car – $1,466 per year ($122 per month)
  9. GMC Sierra pickup – $1,510 per year ($126 per month)
  10. Toyota Tacoma midsize pickup – $1,374 per year ($115 per month)

The chart below shows average car insurance cost in Oklahoma for drivers age 20 to 60 and for different policy deductible limits.

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Chart Data Details: Chart shows average Oklahoma car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Oklahoma zip codes.Data last updated on July 29, 2022
Average Car Insurance Cost in Oklahoma
Average Car Insurance Cost in Oklahoma
Driver Age Deductible Annual Cost Monthly Cost

As shown in the chart, the average cost of car insurance is $1,480 per year (40-year-old driver with $500 deductibles) and ranges from $1,120 per year for a 60-year-old driver with a policy with high deductibles to $3,406 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 $93 to $284 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 3.1% higher than Texas, 9.2% higher than Arkansas, 8.5% higher than Missouri, 3.5% higher than Kansas, 9% higher than Colorado, and 21.7% 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 behind New Mexico, Arizona, and Texas, and ranks 36th out of all 50 U.S. states.

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Oklahoma Car Insurance Cost Compared to Southwest Region
Average Car Insurance Cost in Oklahoma Compared to Southwest Region
Southwest Region States Average Insurance Cost Annual Difference
New Mexico$1,216-$264

When compared to states in other parts of the country, the average cost of auto insurance in Oklahoma is 40.4% more expensive than Maine, 33.6% cheaper than Florida, 8.6% cheaper than New York, 53.2% more expensive than North Carolina, and 20.1% 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.

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Chart Data Details: Average Oklahoma car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Oklahoma Zip Codes.Data last updated on July 29, 2022
Oklahoma Car Insurance Rates by Vehicle Segment
Oklahoma Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,384$115
Midsize Pickup$1,422$119
Midsize SUV$1,496$125
Compact Car$1,522$127
Midsize Car$1,544$129
Half-ton Pickup$1,610$134
Compact Luxury SUV$1,666$139
Large SUV$1,670$139
Compact Luxury Car$1,680$140
Large Car$1,712$143
Heavy Duty Pickup$1,766$147
Midsize Luxury SUV$1,788$149
Midsize Luxury Car$1,960$163
Sports Car$2,088$174
Large Luxury SUV$2,234$186
Large Luxury Car$2,342$195

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 Mazda CX-5, Nissan Kicks, and Chevrolet Trailblazer.

Average auto insurance prices for those vehicles cost $1,162 or less per year for a full coverage policy.

Some additional models that are ranked high in the cost comparison table are the Buick Envision, Toyota Corolla Cross, Ford Maverick, and Mazda MX-5 Miata. 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 $107 or less per month in Oklahoma.

For luxury car models, the cheapest insurance rates in Oklahoma can be found on the Acura ILX at $1,362 per year, the Mercedes-Benz A220 at $1,454 per year, and the BMW 330i at $1,564 per year.

For luxury SUVs, the Acura RDX at $1,270 per year, the Cadillac XT4 at $1,302 per year, and the Volvo XC40 at $1,426 per year are the cheapest to insure.

The next table ranks the top 75 vehicles from the 2022 model year that have the cheapest car insurance quotes in Oklahoma.

Top 75 Cheapest Vehicles to Insure in Oklahoma
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,124$94
2Nissan Kicks$1,154$96
3Chevrolet Trailblazer$1,162$97
4Honda Passport$1,188$99
5Subaru Crosstrek$1,190$99
6Toyota C-HR$1,218$102
7Chevrolet Colorado$1,220$102
8Buick Encore$1,226$102
9Nissan Rogue Sport$1,234$103
10Buick Envision$1,260$105
11Hyundai Venue$1,260$105
12Kia Seltos$1,262$105
13Ford Maverick$1,268$106
14Acura RDX$1,270$106
15Subaru Ascent$1,270$106
16Toyota Corolla Cross$1,270$106
17Hyundai Kona$1,280$107
18Subaru Forester$1,280$107
19Subaru Impreza$1,282$107
20Mazda MX-5 Miata$1,284$107
21Volkswagen Tiguan$1,286$107
22Chevrolet Spark$1,290$108
23Honda CR-V$1,296$108
24Cadillac XT4$1,302$109
25Mazda CX-30$1,308$109
26Ford Ranger$1,318$110
27Honda HR-V$1,330$111
28Ford Edge$1,334$111
29Ford Ecosport$1,344$112
30Chevrolet Trax$1,356$113
31Subaru Outback$1,358$113
32Acura ILX$1,362$114
33GMC Terrain$1,364$114
34Mitsubishi Eclipse Cross$1,366$114
35Nissan Murano$1,374$115
36Toyota Tacoma$1,374$115
37Hyundai Tucson$1,378$115
38Honda Odyssey$1,380$115
39Chevrolet Bolt$1,382$115
40Toyota Venza$1,382$115
41Chevrolet Equinox$1,386$116
42Ford Explorer$1,390$116
43Volkswagen Taos$1,390$116
44Fiat 500X$1,396$116
45Toyota RAV4$1,398$117
46Kia Sorento$1,400$117
47Kia Soul$1,400$117
48Nissan Frontier$1,410$118
49Hyundai Palisade$1,422$119
50Volkswagen Golf$1,424$119
51GMC Canyon$1,426$119
52Hyundai Santa Cruz$1,426$119
53Volvo XC40$1,426$119
54Mazda MX-30$1,428$119
55Ford F150$1,432$119
56Volkswagen Atlas$1,432$119
57Jeep Compass$1,434$120
58Subaru Legacy$1,436$120
59Kia Niro$1,438$120
60Volkswagen Jetta$1,438$120
61Honda Insight$1,440$120
62Honda Ridgeline$1,442$120
63Nissan Sentra$1,442$120
64Toyota 4Runner$1,444$120
65Nissan Rogue$1,452$121
66Mercedes-Benz A220$1,454$121
67Toyota Corolla$1,454$121
68Cadillac XT5$1,456$121
69Toyota Camry$1,456$121
70Ford Escape$1,458$122
71Jeep Gladiator$1,458$122
72Kia K5$1,458$122
73Kia Rio$1,462$122
74Volkswagen Passat$1,462$122
75Honda Civic$1,466$122

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oklahoma.Data last updated on July 29, 2022
    Top 75 Cheapest Vehicles to Insure in Oklahoma

    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 $44 and $155 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 $214 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 $232 per year versus a good rating of 670-739. Conversely, a less-than-perfect credit score could cost around $269 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 2022 model year vehicle, a 20-year-old male receives an average rate of $2,938 per year, while a 20-year-old female driver will pay an average of $2,182, a difference of $756 per year. The females get much better rates. But by age 50, the rate for males is $1,346 and rates for female drivers are $1,320, a difference of only $26.
    • 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 $388 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 ($1,346 per year) and a 20-year-old driver ($2,938 per year) is $1,592, or a difference of 54.2%.