Home Car insurance Average car insurance cost Car insurance rates by state Oklahoma Oklahoma City, OK Average car insurance cost in Oklahoma City, OK The car insurance rates in Oklahoma City, Oklahoma is $2,373 per year. Progressive offers the cheapest car insurance in Oklahoma City at $1,402 per year. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. According to data from Insure.com, the average annual cost of car insurance in Oklahoma City, Oklahoma is $2,373. The auto insurance rates in Oklahoma City is $235 more than the state average and $478 more than the national average.City average ratesState average ratesNational average cost$2,373$2,138$1,895 Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.This article talks in detail about the most affordable car insurance companies in Oklahoma City, the average car insurance rates by age and gender, and how much car insurance cost in Oklahoma City depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Oklahoma City. Keep reading to learn more.Key TakeawaysCar insurance in Oklahoma City, Oklahoma costs $2,373 per year.At $1,402 per year, Progressive offers the cheapest car insurance in Oklahoma City.Car insurance for young adults in Oklahoma City costs $3,743 per year.Cheap car insurance companies in Oklahoma CityProgressive offers the most affordable car insurance in Oklahoma City for coverage limits of 100/300/100 at $1,402 per year.The Geico comes close second offering car insurance at $1,802 per year.As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Oklahoma City that align with your needs before finalizing your insurance carrier.Here are the average annual and monthly costs for the various car insurance companies providing coverage in Oklahoma City, Oklahoma:Company NameAverage annual costAverage monthly costProgressive$1,402$117Geico$1,802$150State Farm$1,935$161Shelter Insurance$2,402$200Mercury Insurance$2,495$208AFR Insurance$2,499$208Farmers$2,925$244Allstate$3,177$265Oklahoma Farm Bureau$3,625$302USAA$1,594$133Read about the best car insurance companies.Average car insurance cost in Oklahoma City by coverage limitsIn Oklahoma City, the average car insurance rates the coverage levels are as follows:State minimum coverage: $530 per year (limits are 25/50/25)Liability only coverage: $819 per year (limits are 50/100/50)Full coverage: $2,373 per year (limits are 100/300/100)Non-owners coverage: $326 per yearIn most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.Average car insurance rates by gender in Oklahoma CityThe average car insurance per year for female drivers in Oklahoma City, Oklahoma, is $2,400.Whereas the yearly average car insurance rate for male drivers is $2,346, which is $54 less than what female drivers pay.According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.Read more on how gender affects car insurance rates.Average car insurance rates by age in Oklahoma CityIn Oklahoma City, car insurance rates are the highest for teens, at $7,057 per year or $588 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $3,743 per year for their car insurance which is $3,314 less than what the teens pay for their insurance policy.The car insurance rates in Oklahoma City for adult and senior drivers are $2,354 and $2,335 per year respectively.The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.Read more on auto insurance for seniors.The table below depicts the average annual rates for drivers of different age groups:Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$7,057$3,743$2,354$2,335Car insurance rate trends in Oklahoma CityExamining the trends in car insurance rates in Oklahoma City, Oklahoma it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 18%, or $364.The table below shows the trend for last four years:2016 rates2019 rates2022 rates2023 rates$1,865$1,984$2,009$2,373ConclusionCar insurance rates in Oklahoma City are higher than the average rates in Oklahoma. Drivers in Oklahoma City can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.SourcesInsurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.MethodologyInsure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:$100,000 bodily injury per person$300,000 bodily injury per accident$100,000 property damage per accident$500 comprehensive and collision deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesBroken ArrowEdmondNormanTulsaPrachi SinghContributing Researcher  . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in Oklahoma CityAverage car insurance cost in Oklahoma City by coverage limitsAverage car insurance rates by gender in Oklahoma CityAverage car insurance rates by age in Oklahoma CityCar insurance rate trends in Oklahoma CityConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates