Oklahoma Car Insurance Calculator
Calculate your auto insurance cost in Oklahoma. Compare with state averages and find savings.
$1,834
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$153
Full Coverage
$2,389
Min Coverage
$623
Uninsured Rate
22.4%
Oklahoma Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Oklahoma
High uninsured rateTornado riskHail damage
Major Metro Areas in Oklahoma
Oklahoma CityTulsaNormanBroken ArrowEdmond
FAQ
Oklahoma Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Oklahoma
The average annual car insurance premium in Oklahoma is $1,834, or about $153 per month. Full coverage averages $2,389 annually, while minimum coverage averages $623. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Oklahoma requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting Oklahoma car insurance rates include: High uninsured rate, Tornado risk, Hail damage. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 22.4% of drivers in Oklahoma are uninsured. This is higher than the national average, making uninsured motorist coverage especially important. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Oklahoma car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Oklahoma include: State Farm, GEICO, Progressive, Oklahoma Farm Bureau, Allstate. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
OK Insurance Costs
Average premiums in Oklahoma:
- Annual Average$1,834
- Monthly Average$153
- Full Coverage$2,389
- Minimum Coverage$623
OK Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate22.4%
Top OK Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Oklahoma Farm Bureau
- •Allstate