Average car insurance cost in Oklahoma
Oklahoma sits in the pricier half of the country at #31 of 51, with average premiums about 3% above the national average — roughly $72 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Oklahoma compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Oklahoma next to nearby states:
Oklahoma car insurance FAQ
How much is car insurance in Oklahoma?
Full-coverage car insurance in Oklahoma averages $214 per month ($2,568 per year). A state-minimum liability policy averages $59 per month ($708 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Oklahoma more expensive than average?
Yes. Oklahoma's full-coverage average of $214/month is about 3% above the U.S. average of $208/month, ranking #31 of 51 (1 = cheapest).
Is Oklahoma a no-fault state?
No. Oklahoma is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Oklahoma?
Minimum liability in Oklahoma averages $59/month versus $214/month for full coverage — a gap of $155/month, or $1,860/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.