Oklahoma City, OK Car Insurance
How much does car insurance cost in Oklahoma City?
Oklahoma City drivers can anticipate paying about $1,034 for a six-month auto insurance policy, which equates to roughly $172 each month. Our 2023 research reveals that USAA is the most economical auto insurance provider in Oklahoma City, offering rates as low as $667 for a six-month policy. Nevertheless, it's important to note that while USAA's rates are affordable, their policy may not be the most suitable for your requirements, and policies are also only available to USAA members. So, if you're on the lookout for inexpensive auto insurance in Oklahoma City, read on to discover other viable options.
Compared to the average in Oklahoma, which is around $943 every six months, rates in Oklahoma City are somewhat higher. Additionally, the city's average rates are higher than the national average of $742 every six months. It's worth noting that 33% of Oklahoma City customers believe that they are paying too much for their car insurance. Whether you're among this group or if you simply want to learn more about auto coverage options in Oklahoma City, keep reading to discover what determines the typical rates and how to find the best deal for your needs.
| Car Insurance in Oklahoma City vs. Okalhoma | Avg. 6 Mo. Premium |
|---|---|
| Oklahoma Average | $943 |
| Oklahoma City Average | $1,034 |
The cheapest car insurance companies in Oklahoma City
USAA takes the prize for the cheapest coverage at $111 per month or $667 for a six-month policy. Keep in mind that USAA auto insurance is available to USAA members, so be sure to check your eligibility if you're unsure.Â
In second place is State Farm, offering auto insurance rates of just $129 per month ($773 for six months).
Taking the third most affordable spot on our list is GEICO, offering auto insurance rates of just $134 per month ($801 for six months).
The Zebra's key takeaways about car insurance in Oklahoma City:
- The average cost of a car insurance policy in Oklahoma City is $1,034 per six-month policy — $172 per month.
- The cheapest company in Oklahoma City is USAA ($667).
- Oklahoma City ranks as the 10th most expensive city for car insurance in Oklahoma.
- 33% of Zebra customers in Oklahoma City are using our tools because they feel they're paying too much for their current auto insurance.
Are you paying too much for auto insurance?
Oklahoma City car insurance rates by company
As per our 2023 data, USAA is the top provider of cheap, comprehensive auto insurance in Oklahoma City, Oklahoma, with rates starting at $111 per month or $667 per six-month policy. State Farm comes in second, charging $129 per month or $773 for six months. Each company has a wide range of insurance options to meet your auto insurance needs but remember that some companies may have specific eligibility requirements or price differences based on your profile. For additional information about the best-rated car insurance companies, see The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Oklahoma City, OK
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $667 |
| State Farm | $773 |
| GEICO | $801 |
| Mercury | $1,002 |
| Progressive | $1,052 |
| Oklahoma Farm Bureau | $1,124 |
| Allstate | $1,434 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around to save on car insurance
To discover inexpensive car insurance that fits your requirements, it's critical to compare rates and shop around. Our practical comparison tools will handle the task for you, so you can concentrate on selecting the appropriate coverage. Enter your ZIP code to view rates from leading providers like Progressive, State Farm, Allstate, and others, and discover the best and cheapest car insurance in Oklahoma City.
Average car insurance in Oklahoma City by rating factor
Sometimes it can be a headache to find the right car insurance because it's gotta cover what you need without breaking the bank. All companies use pretty much the same factors to rate you, but they do it in their own way. Some really care about your credit score, while others look more at how many times you've made a claim.
To keep getting the best deals on auto insurance, you need to get new quotes every six months to a year.
Q: I didn't have an accident — Why is my insurance going up?
A:Â In Oklahoma City, car insurance costs are heavily influenced by end-of-year earnings, which take into account the revenue collected from premiums and the cost of paying out claims to policyholders. Despite being a safe driver with no prior claims, you may still end up paying more for your insurance with certain providers due to the rising costs of conducting business in the region.
Auto insurance premiums by age in Oklahoma City
When calculating insurance rates, age is one of the numerous factors considered. Insurance companies use data to establish the chances of drivers being involved in accidents or making claims. Sadly, teenagers have a higher accident rate than any other age group. This means that they pay the highest premiums. For instance, in Oklahoma City, teenage drivers pay up to $4,000 more in premiums per year than drivers in their 20s.
The cost of insuring a teenage driver may seem like a burden or an injustice, but insurers are in the business of risk management. Teenagers have the highest risk of accidents, and to compensate for the greater cost of claims, insurance companies charge them higher rates.
Cheapest car insurance companies for teen drivers in Oklahoma City, OK
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $1,985 |
| GEICO | $2,182 |
| State Farm | $2,615 |
| Oklahoma Farm Bureau | $3,580 |
| Allstate | $3,716 |
| Progressive | $4,260 |
| Mercury | $4,575 |
Zebra Tip:Â The cheapest companies for Oklahoma City drivers between 20-29 are USAA, GEICO and State Farm
Data shows that 29% of Oklahoma City drivers fall between ages 20-29. This age group pays an average of $1,326 every six months, but by choosing one of these three companies they could see savings of up to 10%.
Auto insurance premiums for minimum coverage in Oklahoma City
Your insurance premiums are determined to a large extent by the level of coverage you choose. Our study reveals that 44% of Oklahoma City drivers have opted for basic coverage, but 34% only carry the required minimum for the state. Although drivers are mandated to have a specific amount of coverage, keeping just the bare minimum may leave you underinsured in case of a claim.
If you choose to add collision coverage and comprehensive coverage, often referred to as "full coverage" when purchased together, your rates will increase. Nonetheless, the peace of mind that these coverages provide can be worth a lot. These coverages generally have a deductible, which varies in amount and also affects your rate. Choosing a higher deductible will make your rates less expensive, while a lower deductible will make your policy cost more.
It can also be worth considering add-ons such as roadside assistance or uninsured motorist coverage that can safeguard you against uninsured or underinsured drivers. Although these features will come at an additional cost, The Zebra advocates for them since they provide an added layer of protection for you in the future.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
Drivers in Oklahoma City have a vehicle ownership rate of 49%, as revealed by our data analysis. If you're not leasing or financing your car, you may want to drop comprehensive or collision coverage. It is recommended that you obtain the actual cash value of your vehicle from a trustworthy source like Kelley Blue Book. Typically, if your car is valued at less than $4,000, collision coverage may not be necessary. Nonetheless, it's worth bearing in mind that by dropping these coverages, you'll have to pay for any repair costs yourself if you're involved in an accident.
Cheapest car insurance companies for minimum coverage in Oklahoma City, OK
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $182 |
| GEICO | $187 |
| State Farm | $232 |
| Mercury | $249 |
| Oklahoma Farm Bureau | $321 |
| Allstate | $348 |
| Progressive | $390 |
44% of The Zebra's customers in Oklahoma City choose the basic tier of coverage, but that doesn't mean it's right for everyone. Carrying the state minimum required coverage can save you money in the short term but might not be worth it in the event of an accident. Oklahoma's 25/50/25 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $25,000 for property damage — this may be enough coverage for some fender-benders, but if you're involved in a traffic incident with multiple vehicles or those with injuries you could be lacking sufficient coverage.
Learn more about insurance laws in Oklahoma.
Oklahoma City car insurance rates by credit score
Oklahoma, like many other states, takes credit score into account when determining insurance premiums. Along with age and driving history, credit score plays a critical role in calculating your rates. However, the reason behind this is not widely understood. Based on historical data, people with low credit scores are more likely to file claims, have coverage lapses, and engage in hazardous driving practices. Thus, insurance companies consider good credit scores as an indication of low-risk behavior, leading to cheaper insurance rates. Improving your credit score is a valuable way to reduce your auto insurance premiums.
Oklahoma City drivers with a "Poor" credit score actually pay as much as 91% more than those with scores in the "Excellent" category, according to our data. 39% of drivers in Oklahoma City have a credit score categorized as "Average." For this credit tier in 2023, USAA and State Farm are the most affordable insurance options for Oklahoma City drivers.
Cheapest car insurance companies for bad credit in Oklahoma City, OK
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $1,047 |
| Oklahoma Farm Bureau | $1,129 |
| USAA | $1,234 |
| Mercury | $1,413 |
| Allstate | $1,942 |
| Progressive | $1,954 |
| State Farm | $3,807 |
Zebra Tip: If you've improved your credit score, it's time to shop for car insurance!
If you're an Oklahoma City driver with "Fair" credit, you can expect to pay $1,080 less annually for car insurance than drivers with "Poor" credit. Our analysis shows that credit scores have a significant impact on car insurance rates. If you've recently taken steps to improve your credit, it's worth checking with your credit monitoring software to see if you can save money on car insurance.
Auto insurance rates with an at-fault accident
The majority of insurance claims relate to at-fault accidents and those classified as collisions. In Oklahoma City, a single at-fault accident during 2023 caused the average monthly car insurance rates to rise anywhere from $51 to $65. After such an accident, USAAÂ is the most cost-effective insurance provider in Oklahoma City, with State Farm offering similar savings.
The key to affordable auto insurance rates, no matter where you reside, is to steer clear of accidents and citations and maintain a clean driving record. Reckless driving charges, at-fault accidents, DUIs and DWIs, and speeding citations all lead to premium increases. The duration of the impact on your premium depends on the type of citation or accident, but DUIs and DWIs can have a significant and long-lasting effect on your rates.
Cheapest car insurance companies after an at-fault accident in Oklahoma City, OK
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $953 |
| State Farm | $964 |
| GEICO | $1,209 |
| Oklahoma Farm Bureau | $1,229 |
| Progressive | $1,722 |
| Allstate | $1,854 |
| Mercury | $1,870 |
Oklahoma City car insurance rates by violation
Check out the table below to see exactly how much a citation or violation could cost you in Oklahoma City.Â
Car insurance rate increases after violations and citations in Oklahoma City, OK
Why is car insurance in Oklahoma City so expensive?
Auto insurance can be a pricey proposition in Oklahoma City, and there are numerous reasons why. For one, the city's cost of living is higher than in other places in Oklahoma, leading insurers to charge higher premiums. Your coverage level, driving history, and credit score all factor into determining your rates, but there are additional considerations. In this article, we'll examine why auto insurance can be expensive in Oklahoma City, even if you're a good driver.
Many cities have experienced an increased cost of living for residents over the past few years, and usually that also means an increased cost of doing business for auto insurers. These costs are passed along to consumers in the form of higher rates.
Like many cities, Oklahoma City has neighborhoods where crime, theft, and uninsured drivers are more frequent. If you live in one of these areas, you'll probably pay more for auto insurance than if you lived in a different part of town. The good news is that auto insurance rates in Oklahoma City don't vary too much from one ZIP code to another. Although one may be slightly higher, the difference is usually only a few dollars.
Certain climates or regions that have hurricanes, tornadoes, frequent flooding or experience regular natural disasters will increase the risk for insurance companies. This results in higher premiums for everyone insuring their vehicles in the area. Oklahoma can experience some harsh conditions at times, such as more than 1,700 wildfires in 2021 and 28 tornadoes in 2022.[1] Weather-related damage is covered under comprehensive coverage, and because of Oklahoma's significant risk, we definitely recommend you carry this as part of your policy in Oklahoma City.
Like many cities, Oklahoma City's larger population compared to more remote areas in Oklahoma means that there are more cars on the road, which leads to more accidents in general. Costs of accident-related claims are typically passed on to other drivers in the area through increased premiums — this applies even to drivers who don't use their cars frequently. According to our records, around 37% of drivers in Oklahoma City do not have insurance. If you have an accident with an uninsured driver in Oklahoma City, you may be required to pay for the entire repair cost yourself.
Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Oklahoma
Damage caused by weather-related events is covered under comprehensive coverage. With its location in a region known for tornadoes, Oklahoma City can experience a barrage of weather damage from time to time. Consider carrying comprehensive coverage to minimize this damage, even if your car is paid off.
If you're in an area of Oklahoma City with high rates of uninsured drivers, we recommend carrying uninsured motorist coverage (UMPD). This coverage can be useful if you or your vehicle is damaged by an underinsured or uninsured driver. UMPD coverage usually has a lower deductible and is less expensive than collision coverage. Moreover, the rate hike after a UMPD claim can be hundreds of dollars cheaper than after a collision claim.
Bundling insurance policies in Oklahoma City
Whether you live in a city or a rural area, car insurance costs always seem to be on the rise. However, there are still ways to help make your auto coverage more affordable. When searching for a new policy, bundling your homeowners or renters insurance with your car insurance is a simple solution to help you save money. You can potentially save up to 10% on combined premiums when you bundle. Find out more about combining home and car insurance.
Cheapest car insurance companies for bundling home and auto insurance in Oklahoma City, OK
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $638 |
| State Farm | $644 |
| GEICO | $761 |
| Mercury | $838 |
| Progressive | $886 |
| Oklahoma Farm Bureau | $904 |
| Allstate | $1,241 |
When it comes to auto insurance, you have no say in what your rates will be. However, the best way to find affordable auto insurance is to compare quotes from as many companies as possible. It can be overwhelming to find an affordable rate that provides adequate coverage while also remaining within your budget. Keep in mind personal factors that may have an impact on your rate, such as moving, aging, or improving your credit score.
Remember that certain companies may be more expensive than others, so don't hesitate to shop around and find the one that works best for you.
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Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.