Car insurance costs in Oklahoma average approximately $1,500 to $2,000 annually for full coverage and $400 to $600 for minimum liability coverage, though individual rates vary significantly based on multiple factors. Oklahoma ranks slightly above the national average for insurance costs due to severe weather risks, including tornadoes, hailstorms, and flooding that increase comprehensive claims.Â
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Your specific rate depends on driving record, with accidents, tickets, and DUIs dramatically increasing premiums; age and experience, as young drivers under 25 and seniors over 65 typically pay more; credit score, since Oklahoma allows credit-based insurance scoring affecting rates substantially; vehicle make and model, with expensive, high-performance, or frequently stolen vehicles costing more to insure; coverage selections including liability limits, deductible amounts, and optional coverages like collision, comprehensive, and rental reimbursement; and location within Oklahoma, as urban areas like Oklahoma City and Tulsa have higher rates than rural communities due to increased accident frequency and theft. Oklahoma’s minimum liability requirements of 25/50/20 represent inadequate protection for serious accidents. Consider purchasing higher liability limits, underinsured/uninsured motorist coverage, and reasonable deductibles, balancing premium savings against out-of-pocket risk. Shop multiple insurers annually as rates vary dramatically between companies. Discounts for multiple policies, safe driving, defensive driving courses, and vehicle safety features can substantially reduce costs. Maintaining continuous coverage prevents rate increases for coverage gaps.
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Last updated Wednesday, January 21st, 2026
