Key takeaways
The average car insurance premium in Oklahoma City is $2,003. That is more expensive than the state average in Oklahoma ($1,799) and the $1,558 national average. Our vehicle insurance guide for Oklahoma City offers typical prices based on age, credit score, driving record, and marital status. Learn more by reading on!
| Oklahoma City Average(annual) | Oklahoma Average | United States Average |
|---|---|---|
| $2003 | $1799 | $1557 |
The ideal method to save money on auto insurance is to compare prices from as many providers as possible, then choose the one that offers the most reasonable quote. For the average insurance consumer in Oklahoma City, State Farm offers the most affordable prices.
The most affordable auto insurance provider in Oklahoma City is State Farm.
| Company | Average Annual Premium |
|---|---|
| State Farm | $1340 |
| Progressive | $1865 |
| Farmers | $1909 |
| Allstate | $2085 |
Drivers in their 60s pay an average of $1,735 for vehicle insurance in Oklahoma City, making them the age group with the lowest premiums. People over 50 pay only a little extra ($1,737).
Teen drivers pay the most expensive insurance premiums in Oklahoma City. Growing older as a driver in Oklahoma City is one of the simplest methods to reduce your auto insurance costs. The price difference in Oklahoma City between drivers in their 20s and those still in their teens for vehicle insurance is $4,508, making it the greatest gap between any two age groups.
In Oklahoma City, married drivers' auto insurance costs are $156 less than those of single drivers. Widowed people also pay far less in rates than single people do. It's interesting to note that widowed drivers in Oklahoma City receive lower pay than single drivers.
| Marital Status | Average Annual Premium |
|---|---|
| Single | $1847 |
| Married | $1847 |
| Divorced | $1961 |
| Widowed | $1892 |
Another element that may impact auto insurance premiums is Gender. For example, female drivers in Oklahoma City pay $21 more per year than male drivers.
| Gender | Average Annual Premium |
|---|---|
| Female | $2024 |
| Male | $2003 |
A good way to reduce insurance costs is to have a clean driving record. At-fault incidents, DUIs and DWIs, reckless driving tickets, and speeding tickets frequently increase rates.
DUI and reckless driving are two of the most expensive traffic infractions from an insurance standpoint. Compared to the citywide average, an Oklahoma City reckless driving ticket increases the average insurance rate by $1,110 per year. For comparison, a DUI conviction leads to a $900 premium rise, whereas a speeding citation results in a $466 rate increase.
| Incident/Violation | Average Annual Premium |
|---|---|
| DUI/DWI | $2903 |
| Reckless Driving | $3113 |
| At-fault Accident (damages less than $1,000) | $2799 |
| At-fault Accident (damages greater than $2,000) | $3080 |
| Speeding Ticket (16-20 mph over speed limit) | $2469 |
Credit has quite a significant role in insurance rating. Drivers with poor credit often pay more for auto insurance than those with strong credit. In Oklahoma City, a rise in credit scores from the "Very Poor" (300-579) to the "Exceptional" (800-850) category with a 53% decrease in the price of auto insurance.
You may be eligible for a reduction in the cost of your auto insurance if you move from the "Very Poor" credit category to the "Fair" credit tier. For example, moving into the "Fair" credit rating in Oklahoma City results in annual insurance savings of $1,238 on average.
| Credit Level | Average Annual Premium |
|---|---|
| Very Poor | $3634 |
| Fair | $2397 |
| Good | $2003 |
| Very Good | $1853 |
| Exceptional | $1721 |
Your rate may differ not just from state to state or city to city but even from block to block due to state laws and risk assessments related to zip codes. You find the optimal cover difficult when so many variables are variable.
| Zip code | Average Annual Premium |
|---|---|
| 73179 | $864 |
| 73112 | $948 |
| 73162 | $1332 |
| 73111 | $1728 |
The cost of coverage includes several factors taken into account by auto insurance companies. The ones that affect your policy are redundant, but other factors matter by your residential address.
Local rules, traffic collisions, and crime statistics are a few of these. In addition, they know how these components work together when deciding to get new insurance or while planning a move can be helpful.
| Auto Theft | Auto Thefts (Per 1000s) |
|---|---|
| 2006 | 4819 |
| 2007 | 4611 |
| 2008 | 3899 |
| 2009 | 3826 |
| 2010 | 3602 |
| 2011 | 4059 |
| 2012 | 4374 |
| 2013 | 4076 |
| 2014 | 3509 |
| 2015 | 2897 |
| 2016 | 2905 |
| 2017 | 2800 |
| 2018 | 3630 |
| 2019 | 3790 |
Oklahoma City gets:
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The average cost of minimum coverage in Oklahoma is $55 per month, and a full-coverage policy costs $192 per month.
Although Oklahoma's minimal coverage is 25% less expensive than the national average, full coverage auto insurance is 38% more expensive in Oklahoma than it is nationwide.
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