Oklahoma Car Insurance Cost for 2021

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 $1,634 per year, which is 7.3% less than the U.S. average rate of $1,523.

The average cost per month for car insurance in Oklahoma is $136, with cheaper models like the Honda CR-V costing $103, the Mazda CX-3 costing $107, and the Subaru Impreza costing $114 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 – $1,560 per year ($130 per month)
  2. Chevrolet Silverado pickup – $1,704 per year ($142 per month)
  3. Ram 1500 pickup – $1,774 per year ($148 per month)
  4. Toyota RAV4 compact SUV – $1,572 per year ($131 per month)
  5. Honda CR-V compact SUV – $1,230 per year ($103 per month)
  6. Toyota Camry midsize car – $1,634 per year ($136 per month)
  7. Chevrolet Equinox compact SUV – $1,476 per year ($123 per month)
  8. Honda Civic compact car – $1,534 per year ($128 per month)
  9. GMC Sierra pickup – $1,598 per year ($133 per month)
  10. Toyota Tacoma midsize pickup – $1,378 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Oklahoma zip codes.
Average Car Insurance Cost in Oklahoma
Average Car Insurance Cost in Oklahoma
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,756$230
$500$3,248$271
$250$3,768$314
30$1,000$1,446$121
$500$1,724$144
$250$2,010$168
40$1,000$1,382$115
$500$1,634$136
$250$1,900$158
50$1,000$1,260$105
$500$1,488$124
$250$1,726$144
60$1,000$1,236$103
$500$1,460$122
$250$1,694$141

As shown in the chart, the average cost of car insurance is $1,634 per year (40-year-old driver with $500 deductibles) and ranges from $1,236 per year for a 60-year-old driver with a policy with high deductibles to $3,768 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 $103 to $314 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 11% higher than Texas, 12.4% higher than Arkansas, 22.7% higher than Missouri, 24% higher than Kansas, 0.9% higher than Colorado, and 24.4% 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 40th 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$1,314-$320
Arizona$1,370-$264
Texas$1,472-$162
Oklahoma$1,634--

When compared to states in other parts of the country, the average cost of auto insurance in Oklahoma is 70.2% more expensive than Maine, 20.1% cheaper than Florida, 2.9% cheaper than New York, 58.3% more expensive than North Carolina, and 51.6% 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Oklahoma car insurance cost by segment is based on 2021 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.
Oklahoma Car Insurance Rates by Vehicle Segment
Oklahoma Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,470$123
Midsize Truck$1,484$124
Large Van$1,490$124
Midsize Minivan$1,520$127
Midsize SUV$1,590$133
Midsize Van$1,608$134
Small Car$1,642$137
Large Truck$1,654$138
Midsize Car$1,676$140
Large SUV$1,690$141
Small Luxury SUV$1,714$143
Large Car$1,774$148
Heavy Duty Truck$1,840$153
Midsize Luxury SUV$1,840$153
Small Luxury Car$1,900$158
Midsize Luxury Car$2,164$180
Large Luxury SUV$2,204$184
Sports Car$2,386$199
Large Luxury Car$2,524$210
Exotic Car$3,358$280

What vehicles are cheapest to insure in Oklahoma?

Compact SUVs like the Subaru Forester, Honda CR-V, Toyota C-HR and Mazda CX-3 and CX-5 tend to have the cheapest overall car insurance quotes in Oklahoma.

Other models that have very good average car insurance cost are the Volkswagen Golf at $1,304 per year, the Kia Sportage at $1,294 per year, the Subaru Crosstrek at $1,332 per year, and the Toyota Tacoma at $1,378 per year.

For luxury car models, the cheapest luxury auto insurance rates in Oklahoma can be found on the compact Mercedes-Benz A220 at $1,600 per year, the midsize Acura ILX at $1,524 per year, and the full-size Volvo S90 at $1,780 per year.

For luxury SUVs, the compact Volvo XC40 at $1,348 per year, the midsize Volvo V60 at $1,542 per year, and the full-size Volvo XC90 at $1,570 per year are the three cheapest to insure in their luxury segments.

The next table ranks the top 75 vehicles from the 2021 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
1Subaru Forester$1,216$101
2Honda CR-V$1,230$103
3Ram Promaster City$1,274$106
4Mazda CX-3$1,284$107
5Toyota C-HR$1,292$108
6Kia Sportage$1,294$108
7Ford Edge$1,300$108
8Volkswagen Golf$1,304$109
9Mazda CX-5$1,318$110
10Subaru Crosstrek$1,332$111
11Chevrolet Spark$1,346$112
12Volvo XC40$1,348$112
13Hyundai Venue$1,356$113
14Volkswagen Atlas$1,366$114
15Subaru Impreza$1,370$114
16Hyundai Kona$1,372$114
17Kia Soul$1,374$115
18Toyota Tacoma$1,378$115
19Kia Telluride$1,380$115
20Chevrolet Blazer$1,384$115
21Subaru Outback$1,384$115
22Jeep Compass$1,386$116
23Kia Sedona$1,386$116
24Chevrolet Colorado$1,388$116
25Mazda CX-30$1,388$116
26Nissan Kicks$1,390$116
27Ford Escape$1,392$116
28Honda Passport$1,392$116
29Kia Rio5$1,392$116
30Mitsubishi Eclipse Cross$1,394$116
31Subaru Ascent$1,394$116
32Hyundai Tucson$1,396$116
33Volkswagen Tiguan$1,406$117
34Nissan Frontier$1,408$117
35Acura RDX$1,412$118
36Honda Pilot$1,414$118
37Ford Ecosport$1,418$118
38Toyota Corolla$1,418$118
39Buick Envision$1,428$119
40Kia Seltos$1,432$119
41Nissan Rogue Sport$1,440$120
42Chevrolet Trax$1,448$121
43Chevrolet Trailblazer$1,452$121
44Cadillac XT4$1,458$122
45Buick Encore$1,462$122
46Chevrolet Express$1,466$122
47Nissan Rogue$1,468$122
48Jeep Renegade$1,472$123
49Chevrolet Equinox$1,476$123
50Nissan Murano$1,476$123
51Nissan NV$1,476$123
52Ford Transit Connect$1,488$124
53Chrysler Pacifica$1,492$124
54Fiat 500X$1,494$125
55Mazda MX-5 Miata$1,498$125
56GMC Savana$1,502$125
57Hyundai Palisade$1,510$126
58Ford Ranger$1,514$126
59Mazda 6$1,514$126
60GMC Terrain$1,516$126
61Acura ILX$1,524$127
62Honda Insight$1,524$127
63Jeep Gladiator$1,524$127
64Subaru Legacy$1,532$128
65Honda Civic$1,534$128
66Honda HR-V$1,540$128
67Volvo V60$1,542$129
68Acura MDX$1,544$129
69Cadillac XT5$1,544$129
70Kia Rio$1,554$130
71Toyota 4Runner$1,558$130
72Ford F150$1,560$130
73Mazda 3$1,560$130
74Lexus NX 300$1,562$130
75Ram Promaster$1,562$130

    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.
    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 $49 and $157 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 $374 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 $257 per year versus a good rating of 670-739. Conversely, a less-than-perfect credit score could cost around $297 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 2021 model year vehicle, a 20-year-old male receives an average rate of $3,248 per year, while a 20-year-old female driver will pay an average of $2,412, a difference of $836 per year. The females get much better rates. But by age 50, the rate for males is $1,488 and rates for female drivers are $1,458, a difference of only $30.
    • 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 $430 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 ($1,488 per year) and a 20-year-old driver ($3,248 per year) is $1,760, or a difference of 54.2%.