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Oklahoma City Car Insurance

How much does car insurance cost in Oklahoma City, OK? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Oklahoma City?

Oklahoma City is the capital of Oklahoma and is known for its cowboy culture and for a capital complex, which is surrounded by working oil wells. There is a reflecting pool and empty glass and bronze chairs recalling the victims of the 1995 bombing of the federal building in Oklahoma City. There is also a museum honoring the victims, survivors, rescuers and everyone affected by the bombing. Oklahoma City also is home to the National Cowboy and Western Heritage Museum featuring Western and American Indian art and a collection of photos on the American rodeo. In Oklahoma City, you'll find the Oklahoma City Zoo, Frontier City, an amusement park with a Western theme and Hurricane Harbor Oklahoma City, a water park with slides and pools. Those looking to spend time with nature can visit Martin Park Nature Center with its woods and grasslands. And those who love banjo music can check out the American Banjo Museum. There are all kinds of public transit options in Oklahoma City. But it is always nice to have the freedom of taking your own car. Are you looking for a way to save on auto insurance? SmartFinancial will show you how. SmartFinancial has access to more than 200 insurance companies. So you are bound to find the coverage and the rate that you want. Now let's take a look at what you need to know about car insurance in Oklahoma City.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Oklahoma has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Oklahoma City typically pay around $112.95 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Oklahoma $103.93
Oklahoma City, Oklahoma $112.95

Oklahoma City, OK Best Car Insurance Companies

car insurance in Oklahoma City

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Oklahoma City coming in around $66.95 per month. Other companies to consider if you live in Oklahoma City is USAA with an average cost of $102.90 per month and State Farm which typically runs around $111.87 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Oklahoma City.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $66.95-35.58%
2 USAA $102.90-0.99%
3 State Farm $111.877.64%
4 Safeco $155.4449.56%
5 Mercury $155.9250.02%
6 Farmers $163.1957.02%
7 Oklahoma Farmers Union $168.0861.72%
8 Allstate $171.6865.19%
9 Shelter $187.6580.55%
10 Oklahoma Farm Bureau $212.11104.08%

How Much is Car Insurance in Oklahoma City, OK?

how much is auto insurance in Oklahoma City

Rates can vary from city to city. The residents of Edmond typically pay $114.53 per month while people who live in Enid will pay $85.41 per month on average. See what people pay for car insurance in other cities in Oklahoma.

Oklahoma CitiesMonthly Average Rate
Edmond $114.53
Enid $85.41
Norman $111.36
Oklahoma City $110.61
Tulsa $110.45

Cheap Car Insurance in Oklahoma City by Zip Codes

find cheap auto insurance in Oklahoma City

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Oklahoma. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Oklahoma City, OK ZIP CodeAverage Monthly Rate
73101$80.14
73102$83.87
73103$152.23
73104$142.03
73105$97.05
73106$101.25
73107$92.48
73108$105.57
73109$96.42
73110$119.24
73111$109.36
73112$104.34
73114$112.59
73115$98.25
73116$111.52
73117$120.37
73118$99.94
73119$109.70
73120$114.10
73121$105.78
73122$110.34
73127$106.41
73128$127.39
73129$97.81
73130$94.59
73131$91.07
73132$125.24
73134$118.60
73135$119.48
73136$156.00
73139$105.73
73141$93.24
73142$124.65
73143$94.96
73144$78.00
73145$206.50
73149$94.07
73150$92.55
73151$90.85
73157$69.41
73159$111.14
73160$118.78
73162$126.11
73164$278.00
73165$86.73
73169$174.07
73170$109.96
73173$106.25
73179$140.02
73195$79.93

Car Insurance Rates by Driver's Age Group in Oklahoma City

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $258.93 per month in Oklahoma City. Compare that to drivers in their 30’s who typically pay around $106.08 per month drivers in their 40s at $93.10 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$258.93
20s$145.81
30s$106.08
40s$93.10
50s$84.29
60s$88.03
70+$89.12

Cheapest Insurance for Teenage Drivers in Oklahoma City

If you are teen in Oklahoma City you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $226.95 per month. This is likely the most affordable option in Oklahoma City. You might also want to consider State Farm and Oklahoma Farmers Union who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$226.95
State Farm$230.90
Oklahoma Farmers Union$330.72
Allstate$389.97
Shelter$433.53

Cheapest Insurance for 20 Year-olds in Oklahoma City

20 year-olds in Oklahoma City might want to consider Clearcover who, on average, offers car insurance rates around $81.95 per month. USAA , Jupiter Auto Insurance , State Farm and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$81.95
USAA$128.95
Jupiter Auto Insurance$134.07
State Farm$145.89
Allstate$197.06

Cheapest Insurance for 30 Year-olds in Oklahoma City

If you are in your 30s in Oklahoma City our research has found that Clearcover typically has the most affordable coverage coming in around $70.18 per month, followed by USAA at $100.10 and State Farm at $103.20.

CompanyAverage Monthly Rate
Clearcover$70.18
USAA$100.10
State Farm$103.20
Mercury$144.87
Farmers$157.55

Cheapest Insurance for 40 Year-olds in Oklahoma City

On average, Clearcover offers car insurance for 40 year-olds in Oklahoma City for around $65.45 per month. If you are looking for affordable coverage, you may also want to consider USAA or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
Clearcover$65.45
USAA$87.81
State Farm$97.83
Mercury$128.69
Farmers$136.12

Cheapest Insurance for 50 Year-olds in Oklahoma City

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Oklahoma City we found that Clearcover generally offers the most affordable coverage at $59.65 per month.

CompanyAverage Monthly Rate
Clearcover$59.65
USAA$78.56
Safeco$85.55
State Farm$88.45
Mercury$107.88

Cheapest Insurance for 60 Year-olds in Oklahoma City

If you live in Oklahoma City and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $58.62 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Clearcover$58.62
USAA$83.21
State Farm$85.41
Mercury$115.14
Farmers$116.62

Driver's Coverage Auto Insurance Rates in Oklahoma City, OK

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Oklahoma City, the average monthly rate for a driver who is currently insured is $102.84 while drivers who are not currently covered will pay around $121.85.

CoverageAverage Monthly Rate
Not Currently Insured $121.85
Currently Insured $102.84

Compare Recent Car Insurance Quotes in Oklahoma City

auto insurance quotes in Oklahoma City city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Oklahoma City a driver of a 2012 Hyundai Genesis can expect to pay around $105.67 per month while someone that owns a 2018 Kia Sorento may pay around $81.70 per month. Check out the list of recent quotes in Oklahoma City below.

VehicleAverage Monthly Rate
2012 Hyundai Genesis$105.67
2018 Kia Sorento$81.70
1990 Oldsmobile Cutlass Ciera$52.78
2014 Toyota Sienna$64.97
2011 Chevrolet Traverse$85.25
2020 Buick Encore$55.30
2020 Nissan Kicks$93.60
2016 Chevrolet Colorado$51.62
2014 Ram 2500$271.20
2014 Ram 2500$245.43

FAQ's for Drivers in Oklahoma City, OK

driver’s frequently asked question in Oklahoma City

Columbus Auto Insurance Requirements

You are required to have auto liability insurance coverage in Oklahoma City.

What is the Minimum Amount of Liability Coverage Requirement in Oklahoma City?

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage liability

What is the Blood Alcohol Concentration (BAC) Limit in Oklahoma City?

The legal blood alcohol content (BAC) level is .08% In Oklahoma. This legal BAC limit is the same in all 50 states. In Oklahoma, if you drive when you have a BAC level of .08% you could be arrested for a DUI. You could face a fine of up to $1,000 and jail time between 10 days and one year. With a DUI on your record, your auto insurance rates will go up. But you may be able to find a lower rate. Insurance companies differ in how they treat a DUI. Some offer lower rates than others. With SmartFinancial's help, you'll find those lower rates and save money on your car insurance.

Can I Register My Car Without Insurance in Oklahoma City?

When the registration on a car is valid, the driver's liability insurance coverage must be current. It is important to keep both up-to-date. So if your car registration is good to go, make sure your liability insurance coverage is good to go also. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Oklahoma Department of Insurance and certified by the Oklahoma State DMV. And there's more. The insurance for your car must be issued in the name of the vehicle registrant. So if your name is on the vehicle registration it must be on the insurance as well. Make sure these names match.

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Commute Time in Oklahoma City, OK

21.3 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Oklahoma City, OK

142

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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