The average cost of full coverage car insurance in Oklahoma City is $2,209, which is significantly less than the Oklahoma state average of $1,928. But Oklahoma City drivers can save even more by comparing quotes from several different companies before buying a policy.
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Policygenius makes it easy to see what you’d pay for coverage from top companies, so you can choose the policy that’s best for you and your budget.
Key Takeaways
USAA offers the lowest rates in Oklahoma City at an average annual cost of 1,049
73012 is the ZIP code with the lowest average cost for full coverage car insurance at $1,972
Oklahoma requires a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage
Cheapest car insurance companies in Oklahoma City, OK
Your age, driving record, and the type of car you drive, as well as your credit history, gender, and where you live all go into how much you’ll pay for car insurance. But car insurance costs can vary from company to company, even for the same driver, which is why it’s so important to shop around.
Company
Average cost
JD Power Rating
USAA
$1,049
890
State Farm
$1,143
881
GEICO
$1,160
871
AFR Insurance
$1,606
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Shelter Insurance
$1,745
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Cheapest car insurance rates by ZIP code in Oklahoma City, OK
The number of cars on the road and the number of accidents, tickets and claims in your neighborhood all affect what you’ll pay for coverage — that’s why drivers can pay different rates depending on where in Oklahoma City they live.
ZIP code
Average cost
73012
$1,972
73013
$2,092
73049
$2,051
73099
$2,006
73102
$2,290
73103
$2,234
73104
$2,246
73105
$2,288
Choosing the right car insurance company in Oklahoma City, OK
There’s no one right car insurance company for every driver in Oklahoma City. The right company for you is the one that offers you the most coverage at the lowest rates, and the only way to find that company is to shop around and compare options.
Policygenius can help you see rates from the best companies in your area, so you can feel confident you’re making the right choice.
Car insurance rates for drivers with driving violations in Oklahoma City, OK
Any accidents or violations on your record will mean higher car insurance rates. Being a safe and careful driver is always the best way to keep costs low, but if you have a less than perfect driving record, you can still save money by comparing quotes to find your most affordable rates.
Violation
USAA
State Farm
GEICO
AFR Insurance
Shelter Insurance
At-fault accident
$1,590
$1,334
$1,987
$2,879
$3,126
DUI
$2,049
$1,247
$2,149
$3,600
$3,016
Suspended license
$1,988
$1,247
$2,586
$2,744
$3,016
Open container
$1,459
$1,247
$2,149
$2,744
$3,016
Expired registration
$1,405
$1,247
$1,286
$2,199
$2,180
Driving without lights
$1,405
$1,247
$1,639
$2,199
$2,180
Not showing documents
$1,405
$1,247
$1,286
$2,199
$2,180
Running a red light
$1,405
$1,247
$1,639
$2,433
$2,503
Cheapest car insurance for drivers with bad credit in Oklahoma City, OK
Having a low credit score can drastically increase your rates, so Oklahoma City drivers with poor credit should take extra time to shop around and find affordable options.
Company
Rates for drivers with bad credit
GEICO
$1,635
USAA
$1,937
Oklahmoa Farm Bureau
$2,218
AFR Insurance
$2,543
Equity Insurance
$2,833
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Buying car insurance in Oklahoma City, OK
Oklahoma City drivers must have at least the minimum amount of car insurance required by the state. The coverage levels required by law in Oklahoma are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Although uninsured and underinsured motorist coverage is not required, Oklahoma law requires that insurance companies offer it. Remember that most drivers need more than the minimum amount of coverage required by the state in order to be fully protected in case of an accident.
How to get cheap car insurance in Oklahoma City, OK
Shop around. Compare rates from multiple companies before you buy a policy.
Know your discounts: Take advantage of savings for safe drivers, good students, or paying your premium in full rather than in monthly installments
Bundle all your policies: Getting all your insurance policies (car, home, renters, or motorcycle) from the same company can mean savings on all of them
Reshop yearly: Shop around again before your policy renews to make sure you couldn’t be saving by switching companies
Frequently asked questions
Is car insurance required in Oklahoma, and what happens if I don’t have it?
Yes, all Oklahoma drivers must have car insurance. Driving without it can incur serious penalties. In Oklahoma, if you are asked by a law enforcement officer to produce proof of insurance and you don't have it, you could be subject to a fine of $250, 30 days of jail time, and possible suspension of your driver's license.
Is car insurance cheaper in Oklahoma?
No, drivers in Oklahoma pay more than the national average for car insurance. The average premium for car insurance in Oklahoma is $1,928 per year.
What is the penalty for not having car insurance in Oklahoma?
Uninsured or underinsured drivers in Oklahoma should expect a $250 fine and a suspended license. There may be additional punishments as well, depending on the situation, so it is important to make sure you have at least the minimum amount of insurance required by law.
How much is car insurance per month in Oklahoma?
Drivers in Oklahoma pay an average of $1,928 per year for car insurance, which breaks down to $160.66 per month.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
