How much is car insurance in Oklahoma?
Car insurance in Oklahoma cost an average of $1,324 a year for full coverage in 2023 (NAIC), sitting 8% below the $1,439 national average and coming to about $1,570 a year in Oklahoma today (about $130 a month in August 2026 dollars). In Oklahoma, the law asks for at least 25/50/25 liability, while Oklahoma liability-only policies—the closest NAIC figure to minimum coverage—averaged $566 in 2023 (about $670 today).
Average car insurance cost in Oklahoma: 8% below the US average
Typical Oklahoma full-coverage price today
about $1,570 a year in Oklahoma (about $130 a month)
Oklahoma's 2023 NAIC full-coverage average ($1,324) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Oklahoma rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Oklahoma was the 20th most expensive of the 50 states and DC for full coverage ($1,324 vs $1,439 nationally), while ranking lower on liability alone (21st lowest in the US at $566) because 57% of a full-coverage Oklahoma premium goes to collision and comprehensive coverage on your own car. NAIC also tracks Oklahoma's average expenditure per insured vehicle—$1,084 in 2023 (23rd lowest in the US, or about $1,280 today)—which sits 18% ($240) below Oklahoma's full-coverage average because many Oklahoma drivers drop collision or comprehensive on older cars.
What sample drivers pay in 5 Oklahoma cities (OID, 2026)
The Oklahoma Insurance Department's September 2026 Auto Insurance Rate Comparison lists sample six-month rates (shown below as yearly, ×2) from 20 companies in five cities. For a 36-year-old married commuter driving a 2018 Chevrolet Malibu LS with full coverage (Scenario C, male), the median company rate runs from $1,788 a year in McAlester to $2,128 a year in Oklahoma City.
| Location | Companies | Median yearly rate | Lowest–highest company |
|---|---|---|---|
| Oklahoma City | 20 | $2,128 | $782–$4,972 |
| Tulsa | 20 | $2,040 | $776–$4,842 |
| Lawton | 20 | $1,878 | $684–$2,996 |
| Woodward | 20 | $1,834 | $772–$3,272 |
| McAlester | 20 | $1,788 | $876–$2,782 |
| Location | Companies | Median yearly rate | Lowest–highest company |
|---|---|---|---|
| Oklahoma City | 20 | $8,358 | $2,316–$13,690 |
| Tulsa | 20 | $8,754 | $2,256–$13,180 |
| Lawton | 20 | $7,077 | $1,396–$10,996 |
| Woodward | 20 | $6,758 | $1,524–$11,118 |
| McAlester | 20 | $7,266 | $1,194–$10,250 |
These are sample company rates for one vehicle and coverage package in five cities, not statewide averages. The survey excludes operator discounts (such as accident-free or good-student discounts) but includes vehicle safety discounts. Source: Oklahoma Insurance Department, Auto Insurance Rate Comparison (Updated September 2026) (PDF dated September 1, 2026 (six-month premiums doubled to yearly); checked September 22, 2026).
How Oklahoma compares with Arkansas, Colorado, Kansas, and 3 more bordering states
A typical policy in Oklahoma ($1,324 in 2023) costs more than in Arkansas, Kansas, Missouri, and New Mexico and less than in Colorado and Texas. Among Oklahoma's neighbors, Kansas had the lowest 2023 average ($1,182, moving to Oklahoma is about $190 more a year) and Texas had the highest ($1,727, moving to Oklahoma is about $540 less a year).
| State | 2023 average | Moving to Oklahoma from there |
|---|---|---|
| Oklahoma | $1,324 | Current state (Oklahoma) |
| Arkansas | $1,296 | About the same |
| Colorado | $1,655 | About $440 less a year |
| Kansas | $1,182 | About $190 more a year |
| Missouri | $1,323 | About the same |
| New Mexico | $1,301 | About the same |
| Texas | $1,727 | About $540 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Utah ($1,285 in 2023, about $1,520 today), Pennsylvania ($1,273 in 2023, about $1,510 today), Alabama ($1,269 in 2023, about $1,500 today), and Oregon ($1,268 in 2023, about $1,500 today).
Oklahoma: 25/50/25 minimums, with uninsured-motorist coverage unless rejected in writing
- Oklahoma liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Oklahoma
- Not required
- Medical payments in Oklahoma
- Not required
- No-fault system in Oklahoma
- No
- Uninsured motorist in Oklahoma
- Included unless you decline in writing
- Underinsured motorist in Oklahoma
- Included unless you decline in writing
Set by 47 O.S. 7-324, Oklahoma's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Oklahoma, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Oklahoma—the closest NAIC figure to what an Oklahoma minimum policy costs—averaged $566 in 2023 (about $670 in Oklahoma today), the 21st lowest of the 50 states and DC. That makes liability 43% of Oklahoma's full-coverage average ($1,324), while the remaining 57% goes toward collision and comprehensive coverage for your own car.
Oklahoma requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured-motorist coverage, which also covers drivers who don't carry enough insurance, comes with your policy unless you turn it down in writing.
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- At least $25,000/$50,000 unless you turn it down in writing, and insurers must offer more, up to your liability limits. Oklahoma counts underinsured drivers as uninsured, so one coverage handles both.
- History and recent checks
- The 25/50/25 minimums are in 47 O.S. 7-324. The 25/50 minimum for uninsured motorist coverage has applied since 1 April 2005. We found no change in 2024-2026.
- Checked
- September 22, 2026
- Sources
- 47 O.S. 7-324
Twenty-five Thousand Dollars ($25,000.00) because of bodily injury to or death of one person ... Fifty Thousand Dollars ($50,000.00) ... Twenty-five Thousand Dollars ($25,000.00) because of injury to or destruction of property
- 47 O.S. 7-601
Every owner of a motor vehicle registered in this state ... shall, at all times, maintain in force with respect to such vehicle security for the payment of loss
- 36 O.S. 3636
No policy ... shall be issued ... unless the policy includes the coverage described in subsection B" / "A named insured or applicant shall have the right to reject uninsured motorist coverage in writing." / "'uninsured motor vehicle' shall also include an insured motor vehicle, the liability limits of which are less than the amount of the claim
- 47 O.S. 7-324
Adding a 16-year-old driver in Oklahoma: about $1,040 more a year
Adding a 16-year-old to a Oklahoma policy
about $1,040 more a year
About $85 a month (+66% over a typical Oklahoma adult policy of $1,570), bringing the combined Oklahoma family policy to roughly $1,950–$3,450 a year.
On a separate Oklahoma policy of their own with the same car, a 16-year-old in Oklahoma would pay about $4,500 a year (roughly $3,450–$6,400), so sharing a parent's Oklahoma policy saves about $3,470 a year. In Oklahoma Insurance Department's 2026 sample survey (Scenario A (male): 16-year-old single principal operator, full coverage), the median company quote in Oklahoma City is $8,358 a year ($2,316–$13,690).
Our teen-driver multipliers come from California's published age-rating filings scaled to Oklahoma's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Oklahoma
In Oklahoma, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $920 more a year on an Oklahoma policy, compared with about $1,560 more a year for the 2022 Tesla Model 3 in Oklahoma.
| 2022 model | Added to a Oklahoma policy | Own Oklahoma policy |
|---|---|---|
| 2022 Subaru Forester | +$920 in Oklahoma | $4,020 in Oklahoma |
| 2022 Subaru Outback | +$930 in Oklahoma | $4,030 in Oklahoma |
| 2022 Subaru Crosstrek | +$930 in Oklahoma | $4,040 in Oklahoma |
| 2022 Honda CR-V | +$990 in Oklahoma | $4,320 in Oklahoma |
| 2022 Toyota RAV4 | +$1,010 in Oklahoma | $4,400 in Oklahoma |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Oklahoma
In Oklahoma, a 45-year-old with full coverage pays from about $1,640 a year for a 2024 Toyota Prius Prime to about $1,940 for a 2024 Kia Niro on these Oklahoma sample models.
| Car | 45-year-old in Oklahoma | Adding a teen in Oklahoma |
|---|---|---|
| 2024 Toyota Prius Prime | about $1,640 a year | +$1,090 a year |
| 2024 Toyota RAV4 Prime | about $1,650 a year | +$1,090 a year |
| 2024 Nissan Leaf | about $1,740 a year | +$1,150 a year |
| 2024 Hyundai Ioniq 6 | about $1,800 a year | +$1,190 a year |
| 2024 Kia EV6 | about $1,870 a year | +$1,240 a year |
| 2024 Kia Niro | about $1,940 a year | +$1,280 a year |
| 2024 Ford Mustang Mach-E | about $1,750 a year | +$1,160 a year |
| 2024 Volkswagen ID.4 | about $1,760 a year | +$1,160 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Oklahoma
- How much is car insurance in Oklahoma?
- In Oklahoma, full-coverage car insurance averaged $1,324 a year in 2023 (the 20th most expensive of the 50 states and DC per NAIC), or about $1,570 a year ($130 a month) in Oklahoma as of August 2026. Oklahoma liability-only coverage averaged $566 in 2023 (43% of Oklahoma's full-coverage figure, or about $670 today), and Oklahoma drivers spent $1,084 per insured car across all policies.
- What are the minimum car insurance limits in Oklahoma?
- Under 47 O.S. 7-324, Oklahoma requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. The 25/50/25 minimums are in 47 O.S. 7-324. The 25/50 minimum for uninsured motorist coverage has applied since 1 April 2005. We found no change in 2024-2026.
- How much does adding a 16-year-old teen driver cost in Oklahoma?
- Adding a 16-year-old to a parent's full-coverage policy in Oklahoma adds about $1,040 more a year ($85 a month), bringing the Oklahoma household policy to roughly $1,950–$3,450 a year versus about $4,500 a year (roughly $3,450–$6,400) on a standalone Oklahoma teen policy.
- Is Oklahoma a no-fault car insurance state?
- No—Oklahoma is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Oklahoma does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Oklahoma: At least $25,000/$50,000 unless you turn it down in writing, and insurers must offer more, up to your liability limits. Oklahoma counts underinsured drivers as uninsured, so one coverage handles both.
- How do sample car insurance rates vary across Oklahoma in Oklahoma Insurance Department's 2026 survey?
- In Oklahoma Insurance Department's 2026 rate comparison (Scenario C (male): 36-year-old married commuter, full coverage), the median company rate goes from $1,788 a year in McAlester ($876–$2,782) to $2,128 a year in Oklahoma City ($782–$4,972).
Sources for Oklahoma
- Oklahoma average premiums ($1,324 full coverage, $566 liability-only, $1,084 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Oklahoma sample rate survey: Oklahoma Insurance Department, Auto Insurance Rate Comparison (Updated September 2026) (checked September 22, 2026).
- Oklahoma minimum coverage statutes (47 O.S. 7-324; 47 O.S. 7-601; 36 O.S. 3636), checked September 22, 2026. Page updated for Oklahoma. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.