- Oklahoma car insurance rates cost an average of $1,948 per year, or approximately $162 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 Subaru Impreza, Nissan Sentra, and Toyota Corolla.
What is average car insurance cost in Oklahoma?
The average cost of car insurance in Oklahoma is $1,948 per year, which is 15.6% more than the U.S. average rate of $1,685.
The average cost per month for car insurance in Oklahoma is $162, with cheaper models like the Honda Passport costing $151, the Nissan Kicks costing $149, and the Subaru Crosstrek costing $148 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 – $1,978 per year ($165 per month)
- Chevrolet Silverado pickup – $2,130 per year ($178 per month)
- Ram 1500 pickup – $2,128 per year ($177 per month)
- Toyota RAV4 compact SUV – $1,804 per year ($150 per month)
- Honda CR-V compact SUV – $1,650 per year ($138 per month)
- Toyota Camry midsize car – $1,848 per year ($154 per month)
- Chevrolet Equinox compact SUV – $1,754 per year ($146 per month)
- Honda Civic compact car – $1,904 per year ($159 per month)
- GMC Sierra pickup – $2,126 per year ($177 per month)
- Toyota Tacoma midsize pickup – $1,780 per year ($148 per month)
The chart below shows average car insurance cost in Oklahoma for drivers age 20 to 60 and for different policy deductible limits.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
As shown in the chart, the average cost of car insurance is $1,948 per year (40-year-old driver with $500 deductibles) and ranges from $1,470 per year for a 60-year-old driver with a policy with high deductibles to $4,500 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 $123 to $375 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 18.9% higher than Texas, 5.5% higher than Arkansas, 2.1% lower than Missouri, 12.1% higher than Kansas, 3% higher than Colorado, and 34.3% 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.
|Southwest Region States||Average Insurance Cost||Annual Difference|
When compared to states in other parts of the country, the average cost of auto insurance in Oklahoma is 83.4% more expensive than Maine, 11.3% cheaper than Florida, 4.6% cheaper than New York, 77.1% more expensive than North Carolina, and 26% 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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$2,106||$176|
|Compact Luxury Car||$2,142||$179|
|Heavy Duty Pickup||$2,238||$187|
|Midsize Luxury SUV||$2,258||$188|
|Midsize Luxury Car||$2,474||$206|
|Large Luxury SUV||$2,860||$238|
|Large Luxury Car||$3,006||$251|
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 Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks.
Average auto insurance prices for those vehicles cost $1,492 or less per year for a full coverage policy.
Some additional models that are ranked high in the cost comparison table are the Hyundai Venue, Chevrolet Colorado, Ford Maverick, and Ford Edge. 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 $138 or less per month in Oklahoma.
For luxury car models, the cheapest insurance rates in Oklahoma can be found on the Acura Integra at $1,746 per year, the BMW 330i at $1,976 per year, and the Acura TLX at $2,008 per year.
For luxury SUVs, the Acura RDX at $1,624 per year, the Lexus RX 350 at $1,742 per year, and the Cadillac XT4 at $1,756 per year are the cheapest to insure.
The next table ranks the top 75 vehicles from the 2023 model year that have the cheapest car insurance quotes 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.
- Oklahoma City Car Insurance - $2,114 per year or $176 per month
- Tulsa Car Insurance - $2,130 per year or $178 per month
- Norman Car Insurance - $1,968 per year or $164 per month
- Broken Arrow Car Insurance - $2,008 per year or $167 per month
- Lawton Car Insurance - $1,818 per year or $152 per month
- Edmond Car Insurance - $1,984 per year or $165 per month
- Moore Car Insurance - $2,042 per year or $170 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 $58 and $197 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 $482 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 $306 per year versus a good rating of 670-739. Conversely, a less-than-perfect credit score could cost around $355 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 2023 model year vehicle, a 20-year-old male receives an average rate of $3,874 per year, while a 20-year-old female driver will pay an average of $2,870, a difference of $1,004 per year. The females get much better rates. But by age 50, the rate for males is $1,772 and rates for female drivers are $1,736, a difference of only $36.
- 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 $508 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 ($1,772 per year) and a 20-year-old driver ($3,874 per year) is $2,102, or a difference of 54.3%.