Car Insurance Cost in Oklahoma City, OK (2023 Cheapest Models)

• Average car insurance in Oklahoma City costs $2,154 per year, or $180 per month for full coverage.
• Auto insurance rates for a few popular vehicles in Oklahoma City include the Nissan Sentra at $2,000 per year, Hyundai Elantra at $2,352, and Toyota Highlander at $2,150.
• Compact SUVs like the Chevrolet Trailblazer, Nissan Rogue Sport, and Subaru Crosstrek have the best chance of getting cheap car insurance in Oklahoma City.
• Models with segment-leading auto insurance rates in Oklahoma City include the Lexus RX 350 at $1,928 per year, Subaru Impreza at $1,784 per year, Subaru Legacy at $1,980 per year, and Honda Passport at $1,672 per year.
• Car insurance quotes in Oklahoma City can range from as little as $34 per month for minimum liability limits to well over $687 per month for teenage drivers and high-risk drivers.

How much is car insurance in Oklahoma City?

Average car insurance rates in Oklahoma City cost $2,154 per year, or approximately $180 per month. When compared to the U.S. overall average rate, Oklahoma City car insurance cost is 21.9% more expensive per year.

In the state of Oklahoma, the average cost of car insurance is $1,984 per year, so the cost in Oklahoma City averages $170 more per year. The average cost of auto insurance in Oklahoma City compared to other Oklahoma locations is $298 per year more than in Lawton, $128 per year more than in Edmond, and $14 per year cheaper than in Tulsa.

The chart below shows average car insurance rates in Oklahoma City for 2023 model year vehicles not only by driver age, but also by policy deductible limits.

The average cost of auto insurance per month in Oklahoma City is $180, with policy prices ranging from $136 to $415 for the average costs shown in the previous chart.

Auto insurance rates have extreme variability and minor changes in a driver’s risk profile can cause measureable changes in car insurance premiums. The potential for large premium differences emphasizes the need for accurate free car insurance quotes when searching online for the cheapest car insurance in Oklahoma City.

The age of the rated driver is one of the biggest factors in determining the price you pay for car insurance, so the list below details how age impacts cost by breaking out average car insurance rates for young, middle-age, and senior drivers.

Average cost of car insurance in Oklahoma City for drivers age 16 to 60

• 16 year old – $7,710 per year or $643 per month
• 17 year old – $7,210 per year or $601 per month
• 18 year old – $6,736 per year or $561 per month
• 19 year old – $6,098 per year or $508 per month
• 20 year old – $4,282 per year or $357 per month
• 30 year old – $2,266 per year or $189 per month
• 40 year old – $2,154 per year or $180 per month
• 50 year old – $1,960 per year or $163 per month
• 60 year old – $1,926 per year or $161 per month

The rates shown above that detailed the cost to insure teen drivers assumed the gender of the driver was male. The chart below goes into more detail regarding the cost of insuring teen drivers and illustrates the average cost for car insurance for teen drivers in Oklahoma City by gender. In general, female drivers tend to have cheaper car insurance, especially as teenagers.

Auto insurance for a 16-year-old female in Oklahoma City costs an average of $922 less per year than male drivers, while at age 19, the cost difference is smaller but males still pay $674 more per year.

The cost to insure Oklahoma City drivers’ favorite cars, trucks, and SUVs

The previously referenced auto insurance rates take all 2023 models and come up with an average cost, which is practical for making overall comparisons such as the cost difference between driver ages or locations. Average car insurance rates are great for answering questions like “are Oklahoma City auto insurance rates cheaper than in Broken Arrow?” or “is auto insurance cheaper in Oklahoma or Florida?”.

For more useful rate comparisons, however, we get better data if we do a rate analysis for the specific model of vehicle being insured. Each make and model has it’s own profile for determining how much it costs to insure it and this data allows us to make more detailed insurance cost analysis.

This next chart shows average insurance cost for some of the most popular cars, trucks, and SUVs on the streets of Oklahoma City. Later on, we’ll explore rates for some of these models even more in-depth.

Which vehicles are cheapest to insure in Oklahoma City?

When comparing all car, pickup truck, and SUV models, the vehicles with the most affordable car insurance rates in Oklahoma City tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Encore, and Nissan Rogue Sport. Average insurance rates for those vehicles cost $1,722 or less per year, or $144 per month, to get full coverage.

Other models that have very good auto insurance prices in our cost comparison are the Ford Edge, Acura RDX, Subaru Impreza, and Subaru Forester.

Average rates are slightly more for those models than the cheapest compact SUVs at the top of the rankings, but they still have average rates of $1,826 or less per year in Oklahoma City.

The following table breaks down the cheapest vehicles to insure in Oklahoma City, sorted by average cost.

A list of 40 ranked vehicles doesn’t really give a comprehesive view of Oklahoma City insurance rates. A better way to analyze rates for more models is to organize them by vehicle segment.

The section below talks about the different automotive segments and the average cost of auto insurance in Oklahoma City. These rates should provide a decent idea of the automotive segments that have the overall most affordable Oklahoma City car insurance rates. Then the subsequent sections show the cheapest insurance rates for specific models for each automotive segment.

Oklahoma City car insurance rates by vehicle segment

When shopping around for a new or used vehicle, it is useful to know which categories of vehicles are cheaper to insure. As an example, some people wonder if compact SUVs cost less to insure than compact cars or if luxury cars cost less to insure than luxury SUVs.

The next chart displays average auto insurance rates by segment in Oklahoma City. In general, compact SUVs and midsize pickup trucks have the most affordable average car insurance rates, with luxury cars and sports cars having the highest auto insurance rates.

Average insurance rates by segment can be used to make a general comparison, but cost varies greatly within each of the segments displayed in the above chart.

For example, in the small car segment, Oklahoma City insurance rates range from the Subaru Impreza costing $1,784 per year for a full coverage policy up to the Toyota Mirai at $2,670 per year, a difference of $886 within that segment.

Also, in the large truck segment, insurance rates range from the Nissan Titan costing $2,128 per year up to the GMC Hummer EV Pickup costing $2,716 per year.

In the sections going forward, we eliminate a lot of this variability by looking at the cost of auto insurance in Oklahoma City for individual vehicle models.

Cheapest car insurance rates in Oklahoma City

The top five models for the lowest-cost Oklahoma City car insurance rates in the car segment (excluding luxury models) are the Subaru Legacy, Toyota Corolla, Subaru Impreza, Volkswagen Jetta, and Nissan Sentra. Insurance rates for these vehicles average $2,018 or less per year, or around $168 per month.

Not the cheapest cars to insure, but still affordable, are cars like the Mazda 3, Kia K5, Toyota Prius, and Toyota Camry, with average insurance cost of $2,076 per year or less.

Ranked in the lower half of the top 20, models like the Kia Forte, Honda Civic, Tesla Model 3, Mitsubishi Mirage G4, Volkswagen Arteon, and Nissan Leaf cost between $2,076 and $2,258 per year for insurance.

Auto insurance rates in Oklahoma City for this segment for a good driver starts at an average of $149 per month, depending on your company and location.

If insurance rates are ranked by vehicle size, the cheapest non-luxury compact car to insure in Oklahoma City is the Subaru Impreza at $1,784 per year, or $149 per month. For midsize models, the Subaru Legacy is the cheapest model to insure at $1,980 per year, or $165 per month. And for large cars, the Chrysler 300 is cheapest to insure at $2,098 per year, or $175 per month.

The rate comparison table below ranks the cars with the cheapest auto insurance rates in Oklahoma City, starting with the Subaru Impreza at $1,784 per year and ending with the Volkswagen Arteon at $2,258 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Oklahoma City car insurance quotes from top-rated companies in Oklahoma.

Cheapest SUV insurance rates in Oklahoma City

The Chevrolet Trailblazer takes the #1 ranking as the most affordable SUV to insure in Oklahoma City, followed closely by the Subaru Crosstrek, Nissan Kicks, Honda Passport, and Nissan Rogue Sport. The 2023 model costs an average of $1,628 per year for full-coverage auto insurance.

Also ranking well are models like the Kia Seltos, Buick Encore, Mazda CX-5, and Subaru Ascent, with average annual insurance rates of $1,750 per year or less.

Additional models on the list include the Ford Edge, Mazda CX-30, Hyundai Kona, Subaru Forester, and Hyundai Venue, which cost between $1,750 and $1,852 per year for auto insurance in Oklahoma City.

When rates are compared by vehicle size, the lowest-cost non-luxury compact SUV to insure in Oklahoma City is the Chevrolet Trailblazer at $1,628 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,672 per year. And for full-size SUVs, the Chevrolet Tahoe is cheapest to insure at $2,016 per year.

The rate comparison table below ranks the twenty SUVs with the most affordable average car insurance rates in Oklahoma City, starting with the Chevrolet Trailblazer at $136 per month and ending with the Chevrolet Trax at $154 per month.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Oklahoma City car insurance quotes from top-rated companies in Oklahoma.

Cheapest luxury cars to insure in Oklahoma City

The cheapest luxury car models to insure in Oklahoma City are the Acura Integra at $1,932 per year, the BMW 330i at $2,184 per year, and the Acura TLX at $2,222 per year.

Also ranking well are cars like the BMW 330e, BMW 228i, Cadillac CT5, and Lexus ES 350, with average cost of $2,340 per year or less.

Full-coverage insurance in this segment for the average driver starts at an average of $161 per month, depending on where you live.

If prices are ranked by vehicle size, the most affordable compact luxury car to insure in Oklahoma City is the Acura Integra at $1,932 per year. For midsize luxury models, the Cadillac CT5 is the cheapest model to insure at $2,316 per year. And for full-size luxury models, the Audi A5 is the cheapest model to insure at $2,416 per year.

The table below ranks the cars with the lowest-cost auto insurance rates in Oklahoma City, starting with the Acura Integra at $1,932 per year ($161 per month) and ending with the Volvo S60 at $2,404 per year ($200 per month).

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Oklahoma.

Cheapest luxury SUV insurance rates in Oklahoma City

The four most affordable luxury SUVs to insure in Oklahoma City are the Acura RDX at $1,798 per year, Lexus RX 350 at $1,928 per year, Cadillac XT4 at $1,942 per year, and Volvo XC40 at $1,982 per year.

Other models that are affordable to insure include the Mercedes-Benz GLB 250, Mercedes-Benz GLA250, Cadillac XT5, and Cadillac XT6, with average annual insurance rates of $2,096 per year or less.

Additional 2023 luxury models worth mentioning include the Acura MDX, Lexus NX 350h, Alfa Romeo Tonale, and Lincoln Corsair, which average between $2,096 and $2,192 per year for insurance in Oklahoma City.

When rates are compared by vehicle size, the cheapest small luxury SUV to insure in Oklahoma City is the Acura RDX at $1,798 per year. For midsize luxury models, the Lexus RX 350 has the cheapest rates at $1,928 per year. And for full-size luxury models, the Volvo XC90 is most affordable to insure at $2,220 per year.

The next table ranks the twenty luxury SUVs with the lowest-cost average insurance rates in Oklahoma City, starting with the Acura RDX at $1,798 per year and ending with the Mercedes-Benz GLC300 at $2,192 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Need rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Oklahoma City car insurance quotes from top-rated car insurance companies in Oklahoma.

Cheapest sports cars to insure in Oklahoma City

The four cheapest sports cars to insure in Oklahoma City are the Mazda MX-5 Miata at $1,988 per year, Audi TT at $2,230 per year, Ford Mustang at $2,336 per year, and BMW Z4 at $2,350 per year.

Other models that rank well are the BMW M2, Toyota GR86, Toyota GR Supra, and Subaru BRZ, with average annual insurance rates of $2,596 per year or less.

Auto insurance for this segment in Oklahoma City for the average driver starts at an average of $166 per month, depending on where you live. The comparison table below ranks the sports cars with the lowest-cost average insurance rates in Oklahoma City, starting with the Mazda MX-5 Miata at $1,988 per year and ending with the Lexus LC 500 at $3,234 per year.

Need rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Oklahoma City.

Cheapest pickups to insure in Oklahoma City

The cheapest pickups to insure in Oklahoma City are the Ford Maverick at $1,786 per year, the Chevrolet Colorado at $1,794 per year, and the Nissan Frontier at $1,860 per year.

Additional models that are affordable to insure are the Hyundai Santa Cruz, Ford F150, Toyota Tacoma, and Nissan Titan, with an average car insurance cost of $2,186 per year or less.

Car insurance in Oklahoma City for this segment for a middle-age safe driver will start around $149 per month, depending on where you live and the company you use.

The table below ranks the pickups with the lowest-cost car insurance rates in Oklahoma City.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Oklahoma.

Helpful tips to save on car insurance

Drivers should always be thinking of ways to reduce the monthly expense for insurance, so take a minute to read through the tips and ideas in this next list and it’s very likely you can save some money.

• Don’t file small claims. Car insurance companies give a discounted rate if you do not file any claims. Car insurance should be used for significant financial loss, not small claims.
• Shop around and save. Taking a few minutes to get a few free car insurance quotes could save you a significant amount. Companies change rates often and you can switch companies at any time.
• Improve your credit rating to save on insurance. Having a good credit rating over 800 could save $338 per year versus a credit rating of 670-739. Conversely, a lesser credit score could cost up to $392 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Compare the cost of insurance before buying a car. Different models, and even different trim levels of the same model, can have very different insurance premiums, and insurance companies can sell coverages with a wide range of prices. Check the price before you buy a different car so you can avoid any surprises when you get the bill.
• Buy vehicles with low cost insurance. Vehicle type is a big factor in the cost of insurance. For example, a Kia Soul costs $1,326 less per year to insure in Oklahoma City than a Dodge Challenger. Lower performance vehicles cost less to insure.
• Consider raising your deductibles. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver.
• Violations and tickets cost more than a fine. In order to have the cheapest car insurance in Oklahoma City, it pays to drive within the law. In fact, just one or two minor infractions could possibly increase policy cost by as much as $564 per year.