Compare Oklahoma City, OK Car Insurance Rates (2021)

Car insurance in Oklahoma City, OK averages $393 a month. Oklahoma City, Oklahoma car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oklahoma City car insurance rates, compare quotes from the top car insurance companies in Oklahoma City, OK.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Oklahoma City is 73099
  • Average car insurance rates in Oklahoma City, OK are $4,713/year
  • The cheapest car insurance company in Oklahoma City for teen drivers is State Farm

If you need to buy Oklahoma City, Oklahoma car insurance, the options can be confusing. Everything you need to know about car insurance in Oklahoma City, OK is right here.

You’ll find Oklahoma City car insurance rates, the cheapest Oklahoma City, OK car insurance companies, and information on Oklahoma car insurance laws. You can also compare Oklahoma City, Oklahoma car insurance rates to Norman car insurance rates, Midwest City car insurance rates, and Enid car insurance rates.

Ready to find affordable Oklahoma City, OK car insurance today? Enter your ZIP code for fast, free Oklahoma City car insurance quotes.

Cheapest Oklahoma City, OK Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oklahoma City, OK car insurance rates? Every Oklahoma City, Oklahoma car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oklahoma City, Oklahoma

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,647 $2,652 $2,448 $2,569 $8,235 $9,671 $2,844 $2,989
Farmers $2,608 $2,588 $2,330 $2,473 $10,656 $10,969 $2,962 $3,077
GEICO $2,353 $2,596 $2,558 $2,931 $7,174 $7,653 $2,064 $2,068
Liberty Mutual $5,140 $5,438 $4,518 $4,948 $15,093 $16,625 $5,338 $5,518
Progressive $3,237 $3,069 $2,667 $2,830 $12,906 $14,453 $3,776 $3,937
State Farm $2,081 $2,081 $1,854 $1,854 $5,826 $7,316 $2,203 $2,489
USAA $2,041 $2,030 $1,978 $1,982 $6,701 $7,448 $2,612 $2,845

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Minimum Car Insurance in Oklahoma City, OK

Every driver must carry the minimum car insurance in Oklahoma City, OK. Take a look at the Oklahoma car insurance requirements.

Minimum Required Car Insurance Coverage in Oklahoma City, Oklahoma

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Oklahoma City, OK Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oklahoma City, OK. Compare credit history car insurance rates in Oklahoma City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Oklahoma City, Oklahoma

Insurance Company Poor Fair Good
Allstate $5,277 $3,985 $3,509
Farmers $5,381 $4,482 $4,261
GEICO $4,430 $3,675 $2,920
Liberty Mutual $11,211 $6,881 $5,389
Progressive $6,645 $5,664 $5,269
State Farm $4,480 $2,861 $2,298
USAA $5,078 $2,934 $2,352

Cheapest Oklahoma City, OK Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Oklahoma City, OK to rates for a clean record with top companies.

Annual Oklahoma City, Oklahoma Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,655 $4,292 $4,964 $4,117
Farmers $3,969 $5,122 $4,997 $4,744
GEICO $2,651 $4,107 $4,627 $3,314
Liberty Mutual $5,236 $8,845 $9,994 $7,234
Progressive $4,560 $8,487 $5,037 $5,354
State Farm $2,951 $3,475 $3,213 $3,213
USAA $2,543 $3,676 $4,466 $3,133

Cheapest Oklahoma City, OK Car Insurance for Teen Drivers

Teen car insurance in Oklahoma City, OK can be expensive. Take a look at rates from the top car insurance companies in Oklahoma City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Oklahoma City, Oklahoma

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,235 $9,671
Farmers $10,656 $10,969
GEICO $7,174 $7,653
Liberty Mutual $15,093 $16,625
Progressive $12,906 $14,453
State Farm $5,826 $7,316
USAA $6,701 $7,448

Cheapest Oklahoma City, OK Car Insurance for Seniors

Take a look at Oklahoma City, OK senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Oklahoma City, Oklahoma

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,448 $2,569
Farmers $2,330 $2,473
GEICO $2,558 $2,931
Liberty Mutual $4,518 $4,948
Progressive $2,667 $2,830
State Farm $1,854 $1,854
USAA $1,978 $1,982

Cheapest Oklahoma City, OK Car Insurance Rates After a DUI

A DUI in Oklahoma City, OK increases car insurance rates. Compare Oklahoma City, Oklahoma DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oklahoma City, Oklahoma

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,964
Farmers $4,997
GEICO $4,627
Liberty Mutual $9,994
Progressive $5,037
State Farm $3,213
USAA $4,466

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Cheapest Oklahoma City, OK Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Oklahoma City, OK by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Oklahoma City, Oklahoma

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,257 $4,257
Farmers $4,708 $4,708
GEICO $3,609 $3,741
Liberty Mutual $7,827 $7,827
Progressive $5,859 $5,859
State Farm $3,158 $3,267
USAA $3,413 $3,496

Cheapest Oklahoma City, OK Car Insurance Rates by ZIP Code

Oklahoma City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Oklahoma City, OK.

Annual Car Insurance Rates by ZIP Code in Oklahoma City, Oklahoma

ZIP Code Average Annual Rates
73078 $4,440
73084 $4,529
73099 $4,314
73102 $4,900
73103 $4,898
73104 $4,746
73105 $4,778
73106 $4,907
73107 $4,869
73108 $4,878
73109 $4,875
73111 $4,768
73112 $4,801
73114 $4,834
73117 $4,863
73118 $4,844
73119 $4,907
73120 $4,790
73121 $4,736
73122 $4,815
73127 $4,784
73128 $4,689
73129 $4,748
73131 $4,697
73132 $4,842
73134 $4,700
73135 $4,697
73139 $4,637
73141 $4,747
73142 $4,666
73145 $4,583
73149 $4,715
73150 $4,572
73151 $4,653
73159 $4,772
73160 $4,520
73162 $4,781
73163 $4,746
73165 $4,538
73167 $4,650
73169 $4,519
73170 $4,534
73173 $4,553
73179 $4,693
73190 $4,700
73195 $4,696

The Best Cheap Car Insurance Companies in Oklahoma City, OK

Take a look at a side-by-side comparison of the top car insurance companies in Oklahoma City, OK to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Oklahoma City, Oklahoma

Insurance Company Average Annual Rates
Allstate $4,257
Farmers $4,708
GEICO $3,675
Liberty Mutual $7,827
Progressive $5,859
State Farm $3,213
USAA $3,455

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Category Winners: Cheapest Car Insurance in Oklahoma City, Oklahoma

Find the cheapest car insurance companies in Oklahoma City, OK for each category right here.

Best Annual Car Insurance Rates by Company in Oklahoma City, Oklahoma

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Oklahoma City, OK Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Oklahoma City car insurance rates. Find the cheapest Oklahoma City, OK car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oklahoma City, Oklahoma

Insurance Company Low Medium High
Allstate $3,952 $4,237 $4,582
Farmers $4,475 $4,644 $5,005
GEICO $3,373 $3,686 $3,965
Liberty Mutual $7,386 $7,798 $8,298
Progressive $5,393 $5,818 $6,367
State Farm $2,995 $3,193 $3,451
USAA $3,285 $3,442 $3,637

What affects car insurance rates in Oklahoma City, Oklahoma?

What factors can have an impact on Oklahoma City, OK car insurance? There are several reasons why Oklahoma City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oklahoma City, Oklahoma.

Commute Time in Oklahoma City

The more time you spend in your car the higher the risk of an accident. The average commute length in Oklahoma City, OK is 21.4 minutes according to City-Data.

Traffic in Oklahoma City

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Oklahoma City, OK traffic data from INRIX ranks Oklahoma City as the 306th-most congested in the world.

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Compare Car Insurance Quotes in Oklahoma City, OK

Ready to find affordable Oklahoma City, Oklahoma car insurance today? Enter your ZIP code for fast, free Oklahoma City, OK car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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