Find Cheaper Oklahoma Car Insurance Rates in 2024

Average insurance rates in Oklahoma for 2024 are $1,444 every 12 months including full coverage. Comprehensive, collision insurance, and liability coverage cost an estimated $320, $586, and $374, respectively. Tulsa, Del City, and Bixby have more expensive rates, and the two companies who insure the most vehicles in Oklahoma are State Farm and Farmers Insurance.

Average rate for full coverage: $1,444

Premium estimates broken down by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Car Insurance in Oklahoma

These differences highlight why everyone should compare rates quotes for a targeted area, rather than using rates averaged for all U.S. states.

Use the form below to get accurate rates for your location.

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The chart above shows average Oklahoma auto insurance rates for various risks and coverage choices. The cheapest rate with discounts is $830. Drivers choosing higher $1,000 deductibles will pay $1,240. The average rate for a driver around age 40 using $500 deductibles is $1,444. Selecting more expensive $100 deductibles for collision and other-than-collision coverage will cost more, up to $1,846. If you have multiple accidents and violations you could be charged as much as $3,114. The rate for full coverage insurance for a teenage driver can climb as high as $5,308.

Insurance rates in Oklahoma can also vary considerably based on your vehicle choice, your driving record and age, and liability limits and deductibles.

The make and model of vehicle you drive is a primary factor in determining the cost of auto insurance in Oklahoma. Choosing to drive a lower-cost and safer model will be cheaper to insure primarily due to lower cost for replacement parts and lower severity of accident injuries.

This table shows auto insurance estimates for the top vehicles that are insured in Oklahoma.

Where you live in Oklahoma also has a big influence on auto insurance rates. Areas with less crime and congestion could see prices as low as $1,100 a year, while some neighborhoods in Tulsa and Del City may have prices as high as $1,800. Even areas with close proximity in the same city can have large rate differences.

These wide price ranges demonstrate the significance of getting rates based on where you live in Oklahoma.

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If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Your choice of car insurance company influences the cost of coverage. In each state, every insurer sets their own rates, and prices have large differences depending on individual risk factors.

In Oklahoma, auto insurance prices range from $1,173 with USAA to as much as $5,107 with Safeco. Other companies like Oklahoma Farmers Union, The Hartford, and GEICO are neither the lowest or highest. That is probably not the prices you would have to pay, as your Oklahoma zip code, your motor vehicle report, and the type of vehicle you drive all factor in.

Opting for high physical damage deductibles can reduce prices by up to $610 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $336 more per year. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.