- Oklahoma car insurance rates cost an average of $1,480 per year, or approximately $123 per month.
- Oklahoma has the most expensive rates when compared to the other Southwest region states of Texas, Arizona, and New Mexico.
- Cheap car insurance in Oklahoma can be found on models like Subaru Impreza, Subaru Legacy, and Volkswagen Jetta.
What is average car insurance cost in Oklahoma?
The average cost of car insurance in Oklahoma is $1,480 per year, which is 4.6% less than the U.S. average rate of $1,551.
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:
- Ford F-150 pickup – $1,432 per year ($119 per month)
- Chevrolet Silverado pickup – $1,594 per year ($133 per month)
- Ram 1500 pickup – $1,692 per year ($141 per month)
- Toyota RAV4 compact SUV – $1,398 per year ($117 per month)
- Honda CR-V compact SUV – $1,296 per year ($108 per month)
- Toyota Camry midsize car – $1,456 per year ($121 per month)
- Chevrolet Equinox compact SUV – $1,386 per year ($116 per month)
- Honda Civic compact car – $1,466 per year ($122 per month)
- GMC Sierra pickup – $1,510 per year ($126 per month)
- 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.
|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, 8.3% 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.
|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 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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$1,664||$139|
|Compact Luxury Car||$1,680||$140|
|Heavy Duty Pickup||$1,764||$147|
|Midsize Luxury SUV||$1,788||$149|
|Midsize Luxury Car||$1,960||$163|
|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 Subaru Forester. 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.
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 - $1,918 per year or $160 per month
- Tulsa Car Insurance - $1,934 per year or $161 per month
- Norman Car Insurance - $1,780 per year or $148 per month
- Broken Arrow Car Insurance - $1,820 per year or $152 per month
- Lawton Car Insurance - $1,632 per year or $136 per month
- Edmond Car Insurance - $1,798 per year or $150 per month
- Moore Car Insurance - $1,850 per year or $154 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 $44 and $154 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 $222 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 $386 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%.