Best Auto Insurance in Oklahoma (2025)
Compare top-rated auto insurance companies in Oklahoma. Find affordable coverage that meets OK state requirements and save up to 40% on your premium.
$1,476
Avg. Annual Premium
25/50/25
Minimum Coverage
Oklahoma City
Largest City
4.0 million
Population
Oklahoma Auto Insurance Requirements
Oklahoma has higher premiums partly due to severe weather events like tornadoes and hail.
Minimum Liability Coverage: 25/50/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Oklahoma
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Oklahoma can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Oklahoma use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Oklahoma Auto Insurance FAQs
What is the minimum auto insurance required in Oklahoma?
Oklahoma requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage). Oklahoma has higher premiums partly due to severe weather events like tornadoes and hail.
How much does car insurance cost in Oklahoma?
The average annual car insurance premium in Oklahoma is $1,476. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Oklahoma?
Key factors affecting Oklahoma auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Oklahoma City typically pay more than those in rural areas.
How can I find cheap car insurance in Oklahoma?
To find affordable car insurance in Oklahoma: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Oklahoma Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
Get Free QuoteAuto Insurance in Nearby States
View All States →
Trying to make the right choice?
Auto insurance guidance, delivered when you need it.
DriverCompare.com is an independent comparison platform. We may receive compensation from providers. Quotes are estimates and subject to change. Consult a licensed professional before making decisions.
Copyright © 2025 DriverCompare.com. All rights reserved.