Popular QuestionsOklahoma Car Insurance FAQ

How much does Oklahoma car insurance cost? $1,496

On average, Oklahoma drivers pay $1,496 per year for car insurance. This is higher than the national average cost of $1,311 per year. Shopping around for the lowest rate has the potential to save you hundreds of dollars a year.

Independent insurance agents can help by obtaining customized quotes from multiple insurance companies for you. That way, you can be sure you are getting the coverage you need at a competitive price. 

What can Oklahoma car insurance do for me?

Accidents can happen in the blink of an eye. If you are involved in a crash, here are a few of the ways that your Oklahoma auto insurance can help.

Pay to fix your car

  • We call this "collision & comprehensive insurance." 
  • Collision insurance covers damage sustained in a collision, regardless of fault; comprehensive insurance covers non-collision-related damage.
  • This coverage is optional but may be required by your lender if you are still paying for your car, or by the dealership if you are leasing it.

Pay to fix someone else's car

  • We call this “property damage liability insurance.” 
  • It is designed to cover damage to other people’s vehicles and other property if you are responsible for a collision while driving.
  • This coverage is required in Oklahoma.
  • Your policy must include a minimum of $25,000 worth of property damage liability coverage.

Pay for your medical bills

  • We call this "medical payments insurance,” “personal injury protection insurance," or "PIP."
  • This is designed to cover your medical bills, lost wages, and other expenses if you are injured in a collision, regardless of fault.
  • This coverage is optional in Oklahoma.

Pay for someone else's med bills

  • We call this “bodily injury liability insurance.”
  • This is designed to cover the cost of medical treatments for other people if you cause them injuries in a collision.
  • This coverage is required in Oklahoma.
  • Your policy must include at least $25,000 per person / $50,000 per accident worth of bodily injury liability insurance.

In addition to the coverage mentioned above, you can also include other optional coverage in your car insurance policy such as uninsured motorist insurance, gap insurance, rental car reimbursement insurance, and towing and roadside assistance insurance. Talk to a local independent insurance agent to learn more.

Who pays if the accident wasn’t my fault?

Oklahoma is what is known as an “at-fault,” or “tort,” state. This means that the driver who caused the accident is responsible for covering the cost of damages.

How many Oklahoma drivers are uninsured? 10.5%

Driving without insurance is illegal in Oklahoma. If caught, you will be charged with a misdemeanor. As a result, you can face the suspension of your vehicle registration, the suspension of your driving privileges for up to one year, fines of up to $250, and possibly even jail time. By the time you are done paying to get everything reinstated, you can be out as much as $850.

Despite this, approximately one out every ten drivers you are sharing the roads with is driving an uninsured vehicle. These drivers have no financial backup to cover the cost of accidents and are unlikely to be able to pay for any medical attention you may need if they cause a collision with your vehicle. This means you may need to go through lengthy court hearings and lawsuits just to get a fraction of what is owed to you.

Fortunately, if you include uninsured motorist coverage in your auto policy, you can have the coverage you need right away if an uninsured driver hits you. This optional insurance pays for your medical expenses if you are in an accident and the at-fault driver is uninsured or under-insured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver. 

What is the best car insurance company in Oklahoma?

When it comes to car insurance, there is no single insurance company that is the best for everyone. The company that offers you the best rate for coverage might not be the right choice for your neighbor.

That is why independent agents compare policies and rates from a variety of highly rated insurance companies. That way, they can find the policy that offers the coverage you need at the most competitive price.

Are there any independent insurance agents in Oklahoma?

Yes! There are currently 442 independent insurance agents in Oklahoma who are ready to help.

Because they are not tied to a single insurance provider, these agents can shop around to find you reliable coverage at a competitive rate. Contact an insurance agent near you to discover how easy it can be to get car insurance at a great price.

InformationFind the Best Car Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost:  $1311 / year
  • National average car thefts per 1,000:  2.29
  • National average time spent commuting:  25.4 min
CityAvg. Commute Time (Min)Theft Rate per 1,000 VehiclesAvg. Insurance Cost (Yearly)
Bartlesville15.12.41$1,254
Broken Arrow20.51.74$1,389
Edmond20.11.01$1,348
Enid15.91.65$1,248
Lawton13.33.26$1,234
Midwest City20.75.81$1,558
Moore22.72.29$1,477
Muskogee14.73.66$1,392
Norman21.92.87$1,376
Oklahoma City20.79.19$1,693
Owasso20.01.72$1,373
Shawnee18.55.25$1,470
Stillwater15.81.01$1,219
Tulsa17.68.08$1,556
Yukon22.31.06$1,316

Oklahoma City, OK, Car Insurance

The average monthly cost of car insurance in Oklahoma City is $141.

Insurance companies take into account such things as your age, gender, and driving record as well as details about your vehicle when calculating a personalized quote for you. Remember, this average only serves as a baseline to give you an idea of what you might be expected to pay. Your actual monthly cost could be higher or lower than this amount. 

Can you imagine walking out of your local Homeland supermarket only to find that your car has been stolen? As a resident of Oklahoma City, where residents report about 3,000 auto thefts a year, this is a valid concern. That is why many vehicle owners opt to include comprehensive coverage in their auto insurance policies. This optional coverage can cover the costs associated with having your car stolen. It can also pay for damage caused by non-collision events such as hailstorms, tornadoes, floods, and residential fires.

Find an insurance agent in Oklahoma City to learn more.

Tulsa, OK, Car Insurance

The average monthly cost of auto insurance in Tulsa is $130.

When calculating your actual rate, insurance companies will take several factors into consideration including such things as your vehicle’s make, model and year, and your age, driving record, and credit score. This means your monthly cost could be significantly higher or lower than this average.

There are several parts of Tulsa that pose a significant risk to area drivers. One of the most dangerous roads is I-169, and among the worst intersections is Memorial Drive at 81st Street. Of course, collisions can occur anywhere. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not need to worry about an accident having a negative impact on your finances.

As long as your policy includes collision insurance, your vehicle’s damages will be covered, even if you are at fault for the accident. Talk to a local independent insurance agent to learn more.

Norman, OK, Car Insurance

The average monthly cost of car insurance in Norman is $115.

Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a number of factors such as your age, driving history and claims history as well as details about the vehicle(s) you wish to insure. Let an independent insurance compile a variety of customized Norman car insurance quotes so you can find the policy that offers the best value for your hard-earned money.

The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Norman have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for car insurance. If you work from home or use public transportation, you may qualify for discounts on your coverage.

Consult an independent insurance agent in Norman to learn more about potential discounts and to find out what you can do to keep your costs for car insurance affordable.

Broken Arrow, OK, Car Insurance

The average monthly cost of auto insurance in Broken Arrow is $116.

Because your Broken Arrow car insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than this amount. Several factors such as your driving record, your vehicle’s year, make and model, and the amount of coverage you want are just some of the many factors that can influence how insurance companies calculate your price.

Broken Arrow residents occasionally experience hailstorms with stones in excess of one inch in diameter. These large hailstones can do serious damage to cars, causing unsightly dents and cracked windshields. Fortunately, if your policy includes comprehensive coverage, your insurance company can cover the cost of having your car repaired at a body shop.

Talk to an independent agent in Broken Arrow to learn more about how each car insurance coverage option can benefit you.

Edmond, OK, Car Insurance

The average monthly cost of car insurance in Edmond is $112.

However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this, since your Edmond auto insurance rate is completely personalized according to a number of details such as your driving history, vehicle information, deductible amount, and more.

Whether you find yourself in a multi-vehicle collision on the Purple Heart Trail or you get in a fender bender on South Broadway, a good car insurance policy can cover your costs. By purchasing a policy that includes collision coverage, you can be sure that damages to your vehicle are covered, even if the accident is your fault.

Learn more about comprehensive coverage as well as the other optional coverage available to you by speaking with one of Edmond’s experienced independent agents.