Car Insurance in Oklahoma City
Figures were updated on
Car insurance in Oklahoma City is based on Oklahoma averages, alongside information about how people there drive.
- $121Oklahoma's average monthly cost for full coverage
- state minimum limits: 25/50/25
How much drivers pay near Oklahoma City
For full coverage, the Oklahoma yearly average is $1,454, while the legal minimum averages $616. A big city usually costs more than the state average, because of more traffic, more claims and more theft.
| Coverage in Oklahoma | Per year | Per month |
|---|---|---|
| Liability | $616 | $51 |
| Collision | $460 | $38 |
| Comprehensive | $378 | $32 |
| Full coverage (all three) | $1,454 | $121 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Quoted prices in Oklahoma City
Married male, 36, principal operator, 18-mile round-trip commute, no accidents or violations in 3 years, 12,000 mi/yr, 2018 Chevrolet Malibu LS, 25/50/25 + comp/coll $500 ded.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | GEICO | $782 | $65 |
| 2 | Safeco Insurance Co. of America | $1,108 | $92 |
| 3 | USAA | $1,384 | $115 |
| 4 | USAA | $1,452 | $121 |
| 5 | Garrison Property & Casualty Insurance Co. | $1,572 | $131 |
| 6 | Shelter Mutual Insurance Co. | $1,646 | $137 |
| 7 | Farmers Insurance | $1,684 | $140 |
| 8 | USAA | $1,802 | $150 |
Source: Oklahoma Insurance Department: Auto Insurance Rate Comparison (Updated September 2026).
Driving within Oklahoma City
| Census figure | Oklahoma City |
|---|---|
| People | 697,125 |
| Average trip to work | 22 minutes |
| Drive to work alone | 76% |
| Homes with no car | 6% |
| Median household income | $68,656 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your estimate
With the Oklahoma calculator, your age, record and car set the price. Find the state's rules in Oklahoma car insurance requirements.
This was first written