Ranked #17 of 51 by Cost

2026 Oklahoma Car Insurance Calculator

Estimate your monthly premium based on The Sooner State averages

Oklahoma state flag — 2026 car insurance rates

Rate Calculator

$233

per month

$2,796

per year

Updated July 1, 2026

Local insurance tip

Oklahoma sits squarely in Tornado Alley and comprehensive coverage pays for storm, hail and flood damage to your vehicle. Given that Oklahoma averages more tornadoes per square mile than any other state, dropping comprehensive to save on premiums is a high-risk decision. A single severe storm season can produce total losses on unprotected vehicles.

Cost Breakdown

Average Monthly Insurance Rate by Coverage Level
Coverage	Monthly	Description
OK minimum	$110	Legal bare minimum (liability only)
Standard liability	$175	High Liability, no physical damage
Full coverage	$233	Comprehensive ($500 ded.)
Premium protection	$317	Max liability ($250 ded.)

Average Monthly Insurance Rate by Age Group
Age	Risk	Monthly
16-19	Very high	$687
20-24	High	$384
25-54	Standard	$233
55-69	Low	$221
70+	Moderate	$291

Average Monthly Insurance Rate by Driving History
Violation	Risk	Monthly
Clean	Standard	$233
Speeding Ticket	Moderate	$284
At-Fault Accident	High	$345
DUI / DWI	Very high	$664

Oklahoma Snapshot · July 2026

Oklahoma Car Insurance Rates by County July 2026

$233/mo

State avg (-5% US AVG)

#17

National Rank

28%

County Spread

Rate by Neighboring States (7)

Average Monthly Insurance Rate by State
Rank	State	Monthly	Population
1	Texas	$287+23%	25,046,020
2	Colorado	$283+21%	4,996,274
3	Missouri	$244+5%	5,966,427
4	Oklahoma	$233	3,725,119
5	Arkansas	$219-6%	2,907,346
6	Kansas	$210-10%	2,830,513
7	New Mexico	$204-12%	2,036,065

State Insight

Oklahoma sits in the mid-tier among its neighbors. Colorado and Texas are both significantly more expensive. Missouri sits moderately above Oklahoma. Kansas is the most affordable neighbor and the closest to Oklahoma in cost. Arkansas and New Mexico are both slightly cheaper than Oklahoma, their lower urban density keeping base rates just below Oklahoma's average.

Rate by Cities (Top 20)

Average Monthly Insurance Rate by City
Rank	City	Monthly	Population
1	Oklahoma City	$247+6%	637,611
2	Tulsa	$246+6%	410,882
3	Shawnee	$246+6%	41,288
4	Yukon	$243+4%	57,492
5	Broken Arrow	$234	117,553
6	Ardmore	$234	34,927
7	Edmond	$232	141,852
8	Ada	$232	30,802
9	Tahlequah	$230-1%	30,111
10	Ponca City	$229-2%	32,558
11	Norman	$227-3%	113,857
12	Owasso	$225-3%	38,680
13	Stillwater	$222-5%	53,050
14	Sand Springs	$210-10%	29,808
15	Lawton	$209-10%	93,591
16	Enid	$209-10%	52,759
17	Muskogee	$209-10%	48,185
18	Sapulpa	$207-11%	31,060
19	Claremore	$205-12%	45,705
20	Bartlesville	$196-16%	39,999

Compared to OK avg ($233)

City Insight

Oklahoma City and Tulsa share the top of Oklahoma's rate table. OKC for its high uninsured driver rate and hail exposure across the metro and Tulsa for elevated vehicle theft in Tulsa County and active litigation along the I-44 corridor.

Rate by Counties (77)

Average Monthly Insurance Rate by County
Rank	County	Monthly	Population
1	Oklahoma	$247+6%	749,116
2	Logan	$246+6%	27,535
3	Atoka	$246+6%	12,837
4	McClain	$245+5%	38,815
5	Pushmataha	$244+5%	11,649
6	Pottawatomie	$243+4%	69,002
7	McCurtain	$242+4%	34,149
8	Harmon	$240+3%	2,867
9	Tulsa	$240+3%	636,992
10	Greer	$238+2%	6,252
11	Lincoln	$237+2%	31,476
12	Roger Mills	$236+1%	3,542
13	Harper	$236+1%	3,985
14	Canadian	$235+1%	111,313
15	Kiowa	$235+1%	9,659
16	Woodward	$235+1%	21,222
17	Coal	$235+1%	5,710
18	Grady	$234	43,409
19	Murray	$234	13,031
20	Carter	$234	47,990
21	Johnston	$234	10,809
22	Pawnee	$234	16,487
23	Choctaw	$234	15,277
24	Jefferson	$233	6,930
25	Beckham	$233	22,406
26	Ellis	$233	4,169
27	Hughes	$233	14,443
28	Le Flore	$233	50,672
29	Pontotoc	$233	37,944
30	Caddo	$232	27,255
31	Stephens	$232	44,953
32	Seminole	$232	25,560
33	Bryan	$231-1%	43,454
34	Kingfisher	$231-1%	14,568
35	Grant	$231-1%	4,534
36	Cherokee	$231-1%	43,412
37	Cotton	$230-1%	6,054
38	Sequoyah	$230-1%	42,786
39	Blaine	$229-2%	9,677
40	Pittsburg	$229-2%	43,271
41	Adair	$229-2%	23,666
42	Latimer	$229-2%	8,864
43	Kay	$229-2%	45,558
44	Okfuskee	$229-2%	12,337
45	Cleveland	$228-2%	241,233
46	Payne	$228-2%	78,001
47	Garvin	$228-2%	30,943
48	Marshall	$228-2%	15,840
49	Woods	$228-2%	8,848
50	Ottawa	$228-2%	30,562
51	Washita	$227-3%	10,851
52	Noble	$227-3%	14,724
53	Jackson	$227-3%	26,521
54	Beaver	$227-3%	5,388
55	Mayes	$227-3%	39,384
56	Haskell	$227-3%	13,584
57	Alfalfa	$226-3%	5,784
58	McIntosh	$226-3%	21,246
59	Custer	$225-3%	27,361
60	Love	$225-3%	8,918
61	Dewey	$225-3%	2,496
62	Osage	$225-3%	46,487
63	Tillman	$224-4%	8,466
64	Delaware	$224-4%	43,057
65	Cimarron	$223-4%	2,387
66	Okmulgee	$223-4%	37,004
67	Major	$222-5%	11,091
68	Texas	$221-5%	20,910
69	Creek	$220-6%	64,900
70	Wagoner	$218-6%	67,903
71	Nowata	$215-8%	10,494
72	Muskogee	$213-9%	75,652
73	Craig	$212-9%	17,154
74	Comanche	$211-9%	111,753
75	Garfield	$211-9%	60,144
76	Rogers	$211-9%	73,652
77	Washington	$193-17%	36,744

Compared to OK avg ($233)

County Insight

Oklahoma and Tulsa counties lead the state modestly. Washington County anchors the most affordable tier, its Bartlesville demographic keeping rates well below the surrounding northeast Oklahoma counties. No single county drives the statewide average dramatically upward.

What Every Oklahoma Driver Needs To Know

What are the minimum car insurance requirements in OK for 2026?

Oklahoma requires 25/50/25 minimums: $25,000 bodily injury per person, $50,000 per accident and $25,000 for property damage. Oklahoma is an at-fault state and does not require PIP or Uninsured Motorist coverage, though both are strongly recommended given the state's high uninsured driver rate.

How bad is Oklahoma's uninsured driver problem?

Oklahoma consistently ranks among the top five states nationally for uninsured drivers, with estimates ranging from 20 to 26% of all drivers carrying no coverage. This means as many as one in four drivers you encounter on Oklahoma roads may have no insurance. Without UM coverage on your own policy, you absorb all costs from an accident caused by one of them.

Does Oklahoma's weather significantly affect my insurance premium?

Yes, Oklahoma's position in Tornado Alley makes it one of the highest-risk states in the country for comprehensive claims. Hail damage, wind damage and flooding from severe thunderstorms generate enormous claim volumes each spring and summer. Insurers factor this weather exposure into comprehensive premiums statewide and drivers in the OKC and Tulsa metros often pay noticeably more for comprehensive than drivers in comparable-sized cities in less storm-prone states.

What are the penalties for driving uninsured in Oklahoma?

Oklahoma takes uninsured driving seriously. A first offense results in a fine of up to $250 and license suspension until proof of insurance is provided. Subsequent offenses carry higher fines and longer suspensions. Oklahoma also requires SR-22 filing after certain uninsured convictions, which typically raises premiums for three years. Officers can verify insurance in real time through the state's electronic verification system.

Sources: Service Oklahoma