Car Insurance in Oklahoma City, Oklahoma
Estimated full coverage in Oklahoma City runs about $1,545 a year ($129/month) — ▲ +7% versus the Oklahoma average, ranking 6th most expensive of the 9 Oklahoma cities we cover.
Why car insurance in Oklahoma City costs more than the Oklahoma average
Insurers price by territory, and Oklahoma City's numbers explain most of the gap. With 712,919 residents on 606.5 square miles, the city's density (1,176 people per square mile) is 3.7 times the density where the typical Oklahoma resident lives (317). The average commute is 22.2 minutes (Oklahoma: 22.4), and 76% of workers drive alone. Together these put our location factor at 1.07× the state baseline for liability and collision.
| Factor | Oklahoma City | Oklahoma ref. | Why it matters |
|---|---|---|---|
| Population density | 1,176 / sq mi | 317 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 22.2 min | 22.4 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 75.7% | — | Share of workers commuting by car. |
| Public transit to work | 0.4% | — | Transit use lowers how much residents drive. |
| Work from home | 10.9% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 86.0 | 86.1 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Oklahoma City
Rates can change from one ZIP code to the next. Across 45 Oklahoma City ZIP codes, our full-coverage estimate ranges from $1,405 in 73131 to $1,680 in 73132. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 73099 | 91,014 | 730 | 24.8 min | 2.9% | $1,540 | 0% |
| 73013 | 58,023 | 1,775 | 20.9 min | 3.8% | $1,565 | +1% |
| 73170 | 41,458 | 1,975 | 23.0 min | 2.6% | $1,600 | +4% |
| 73120 | 35,559 | 3,219 | 20.0 min | 6.8% | $1,600 | +4% |
| 73159 | 31,447 | 2,297 | 23.3 min | 5.1% | $1,615 | +5% |
| 73119 | 30,398 | 4,468 | 22.7 min | 9.7% | $1,660 | +7% |
| 73112 | 30,372 | 3,985 | 17.6 min | 7.4% | $1,585 | +3% |
| 73064 | 28,919 | 538 | 27.1 min | 3.2% | $1,545 | 0% |
| 73162 | 28,728 | 4,073 | 23.3 min | 3.8% | $1,660 | +7% |
| 73132 | 27,834 | 3,661 | 25.5 min | 9.4% | $1,680 | +9% |
| 73127 | 25,865 | 2,279 | 21.7 min | 16.8% | $1,595 | +3% |
| 73107 | 25,791 | 3,406 | 19.3 min | 7.6% | $1,595 | +3% |
| 73135 | 22,022 | 2,007 | 21.4 min | 5.4% | $1,580 | +2% |
| 73109 | 21,378 | 3,957 | 22.3 min | 12.5% | $1,645 | +6% |
| 73129 | 20,014 | 1,596 | 24.8 min | 5.5% | $1,605 | +4% |
| 73139 | 17,920 | 4,069 | 21.9 min | 8.3% | $1,640 | +6% |
| 73114 | 17,656 | 1,862 | 21.2 min | 5.8% | $1,570 | +2% |
| 73142 | 17,548 | 2,252 | 22.2 min | 2.2% | $1,600 | +4% |
| 73108 | 14,919 | 1,953 | 20.7 min | 14.7% | $1,570 | +2% |
| 73118 | 14,262 | 2,945 | 17.6 min | 4.9% | $1,560 | +1% |
| 73122 | 12,635 | 3,718 | 22.0 min | 17.1% | $1,635 | +6% |
| 73106 | 12,140 | 3,997 | 17.6 min | 12.4% | $1,585 | +3% |
| 73111 | 10,727 | 1,249 | 19.0 min | 14.4% | $1,510 | −2% |
| 73116 | 10,211 | 1,850 | 18.0 min | 3.2% | $1,530 | −1% |
| 74857 | 9,931 | 170 | 29.6 min | 1.0% | $1,490 | −4% |
| 73179 | 8,532 | 723 | 24.2 min | 2.0% | $1,535 | −1% |
| 73165 | 8,357 | 204 | 27.8 min | 1.9% | $1,480 | −4% |
| 73134 | 7,522 | 1,716 | 19.7 min | 3.7% | $1,545 | 0% |
| 73049 | 7,407 | 115 | 26.0 min | 4.9% | $1,420 | −8% |
| 73084 | 6,641 | 370 | 25.7 min | 12.4% | $1,500 | −3% |
| 73128 | 6,281 | 855 | 21.1 min | 5.0% | $1,510 | −2% |
| 73117 | 6,225 | 967 | 16.8 min | 20.8% | $1,465 | −5% |
| 73149 | 6,031 | 1,114 | 21.4 min | 6.3% | $1,535 | −1% |
| 73105 | 5,900 | 1,313 | 18.0 min | 7.4% | $1,505 | −3% |
| 73150 | 5,688 | 304 | 23.9 min | 1.0% | $1,465 | −5% |
| 73103 | 5,486 | 4,665 | 16.4 min | 9.5% | $1,580 | +2% |
| 73173 | 4,780 | 353 | 25.6 min | 1.2% | $1,495 | −3% |
| 73131 | 3,845 | 319 | 18.2 min | 0.0% | $1,405 | −9% |
| 73102 | 3,812 | 4,777 | 15.2 min | 21.5% | $1,565 | +1% |
| 73104 | 3,692 | 2,353 | 15.7 min | 1.8% | $1,520 | −2% |
| 73145 | 3,612 | 2,631 | 13.8 min | 0.0% | $1,500 | −3% |
| 73141 | 3,562 | 329 | 27.1 min | 8.9% | $1,510 | −2% |
| 73169 | 3,095 | 414 | 23.9 min | 1.6% | $1,490 | −4% |
| 73121 | 3,075 | 317 | 26.2 min | 1.2% | $1,495 | −3% |
| 73151 | 2,254 | 755 | 23.0 min | 0.0% | $1,525 | −1% |
Minimum car insurance in Oklahoma City
Oklahoma City drivers follow Oklahoma's rules: at least 25/50/25 liability coverage. Oklahoma is at-fault (tort). We estimate state-minimum coverage in Oklahoma City at $505 a year, and $735 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Oklahoma does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is not mandatory, but insurers must offer it; declining it requires a signed rejection form. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Offered together with uninsured motorist coverage (minimum 25/50 if purchased). | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Oklahoma City premiums
Accidents
Oklahoma recorded 645 traffic deaths, or 1.39 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Oklahoma's vehicle theft rate is 195 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Oklahoma County as very high for hail, relatively high for inland flooding and relatively moderate for strong wind, and very low for hurricanes.
Traffic & commuting
3.1% of Oklahoma City commuters spend an hour or more getting to work, and there are 1.79 vehicles per household. 10.9% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.5 | Comprehensive; dwelling | |
| Hurricane | 49.5 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 97.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 83.9 | Comprehensive; dwelling | |
| Winter weather | 91.9 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Oklahoma City by driver profile
A clean-record driver in their 50s pays the least in our Oklahoma City model (about $1,425 for full coverage); an 18-year-old on their own policy pays about $4,255, and a DUI pushes a 30-something to $2,860.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,390 | $2,015 | $4,255 | $355 |
| Young adult (22) | $810 | $1,175 | $2,475 | $206 |
| Adult in their 30s | $505 | $735 | $1,545 | $129 |
| Adult in their 50s | $465 | $675 | $1,425 | $119 |
| Senior (72) | $565 | $820 | $1,735 | $145 |
| 30s, one at-fault accident | $735 | $1,065 | $2,245 | $187 |
| 30s, DUI on record | $935 | $1,355 | $2,860 | $238 |
Minimum vs. standard vs. full coverage in Oklahoma City
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $505 | $42 | $415–$595 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $735 | $61 | $600–$865 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,545 | $129 | $1,270–$1,825 |
Estimate your premium in Oklahoma City
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Cheap car insurance in Oklahoma City: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Oklahoma City's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $110 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 10.9% of Oklahoma City workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $445 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $810 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $340 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Oklahoma City
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 184 offices listed below.
- Check complaint records with the Oklahoma Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Oklahoma City, our estimates differ by up to $275 a year between neighborhoods.
Car insurance agents near Oklahoma City, OK
We found 184 insurance offices within about 19 miles of central Oklahoma City, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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The Reserve Physicians Liability Insurance
OK -
York Investment Loans
OK -
Gallaggher Risk Management Services
OK -
Yue Szeto - State Farm
1904 N Classen Blvd, Oklahoma City, OK 73106 -
Oklahoma Farm Bureau Mutual Insurance
OK -
Mai McCoy - State Farm
2800 North Classen Blvd, Suite 105, Oklahoma City, OK 73106 -
Ciani Portillo - Allstate
3200 S Western Ave, Oklahoma City, OK 73109 -
Group Services Administration
OK -
Eva Herrera - Allstate
2531 NW 23rd St, Ste 110, Oklahoma City, OK 73107 -
Jim Hutson - Allstate
1414 NW 39th St, Oklahoma City, OK 73118 -
Kenneth James - State Farm
4312 Classen Blvd, Oklahoma City, OK 73118 -
Daemi Insurance
OK -
Angila Jeffries - Farmers Insurance
4816 N Classen Blvd, Oklahoma City, OK 73118 -
Robbie Bennett - Allstate
1900 NW Expressway, Ste 850, Oklahoma City, OK 73118 -
Erskine Callaway - Allstate
4319 SE 15th St, Del City, OK 73115 -
Scott E Streller - Farmers Insurance
3901 SE 29th St, Del City, OK 73115 -
State Farm
4625 North May Avenue, Oklahoma City, OK 73112 -
Maria Lucia Lopez - Allstate
3523 NW 36th St, Oklahoma City, OK 73112 -
Sergio Ivan Rodriguez - Farmers Insurance
6601 S Western Ave, Oklahoma City, OK 73139 -
Mark H Mann - Farmers Insurance
2525 NW Expwy, Oklahoma City, OK 73112 -
Zachary Jacob Moore - Farmers Insurance
6301 Waterford Blvd, Oklahoma City, OK 73118 -
Farmers Insurance
6612 North Western Avenue, Oklahoma City, OK 73116 -
Jimmy Hillis - State Farm
600 S. Sooner Road, Midwest City, OK 73110 -
Stephen Andrew Morrow - Farmers Insurance
6801 Broadway Ext, Okc, OK 73116 -
Isaiah William Hernandez - Farmers Insurance
3030 NW Expwy, Oklahoma City, OK 73112 -
Carlos Labrador - State Farm
7824 S Western Ave, Oklahoma City, OK 73139 -
AAA Insurance
6163 North May Avenue, Oklahoma City, OK 73112 -
Warren Stowe - GEICO
1500 W I-240 Service Rd, Suite A-7, Oklahoma City, OK 73159 -
Scott Malone Thompson - Farmers Insurance
4200 Perimeter Center Dr, Oklahoma City, OK 73112 -
Ana Galaviz - Allstate
7701 S Pennsylvania Ave, Oklahoma City, OK 73159 -
Kelsey Thompson - Allstate
8109 S Western Ave, Ste J, Oklahoma City, OK 73139 -
Win Shelton - State Farm
7622 N Western, Oklahoma City, OK 73116 -
Barry G Hale - Farmers Insurance
7840 S Pennsylvania Ave, Oklahoma City, OK 73159 -
Mayra G Wilson - Farmers Insurance
4432 N Meridian Ave, Oklahoma City, OK 73112 -
Troy D Dooley - Farmers Insurance
8524 S Western Ave, Oklahoma City, OK 73139 -
Leslie Callen - Allstate
1017 S Air Depot Blvd, Ste C, Midwest City, OK 73110 -
Ada Jones - Allstate
8809 S Santa Fe Ave, Oklahoma City, OK 73139 -
Steven B Brittain - Farmers Insurance
1100 S Air Depot Blvd, Midwest City, OK 73110 -
Patrick Newby - Farmers Insurance
560 W Boeing Dr, Midwest City, OK 73110 -
State Farm
3639 Northwest 63rd Street, Oklahoma City, OK 73116
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Oklahoma City
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,155 | −25% |
| Subaru Outback | Wagon | $1,165 | −25% |
| Tesla Model 3 | Midsize car | $1,615 | +5% |
| Subaru Forester | Small SUV | $1,145 | −26% |
| Honda Civic | Compact car | $1,735 | +12% |
| Toyota Corolla | Compact car | $1,625 | +5% |
| Jeep Wrangler | Midsize SUV | $1,235 | −20% |
| Mazda CX-5 | Small SUV | $1,290 | −17% |
| MINI Cooper | Subcompact car | $1,165 | −25% |
| Tesla Model Y | Midsize SUV | $1,455 | −6% |
Car insurance in nearby Oklahoma cities
- Midwest City $1,620/yr · 8 mi
- Moore $1,635/yr · 10 mi
- Edmond $1,560/yr · 15 mi
- Norman $1,510/yr · 18 mi
- Lawton $1,455/yr · 78 mi
- Tulsa $1,550/yr · 101 mi
- Broken Arrow $1,590/yr · 105 mi
- Durant $1,425/yr · 120 mi
All Oklahoma cities and state rules · Homeowners insurance in Oklahoma City
Frequently asked questions
How much is car insurance in Oklahoma City, OK?
We estimate full coverage in Oklahoma City at about $1,545 a year ($129 a month) for a driver in their 30s with a clean record, and about $505 for Oklahoma's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Oklahoma City more expensive than the Oklahoma average?
Our Oklahoma City estimate is 7% higher than the statewide figure. The model reflects a population density of 1,176 people per square mile (the typical Oklahoma resident lives at about 317) and an average commute of 22.2 minutes versus 22.4 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Oklahoma City?
Drivers in Oklahoma City follow Oklahoma law: at least 25/50/25 liability coverage.
Which ZIP code in Oklahoma City has the cheapest car insurance?
Among Oklahoma City's 45 ZIP codes, 73131 has the lowest estimate (about $1,405 a year for full coverage) and 73132 the highest (about $1,680), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Oklahoma City?
An 18-year-old with their own full-coverage policy would pay around $4,255 a year in Oklahoma City by our estimate ($1,390 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Oklahoma City?
Yes. FEMA's National Risk Index rates Oklahoma County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Oklahoma City?
We list 184 insurance offices in and around Oklahoma City, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Oklahoma Insurance Department: Uninsured Motorist
- Oklahoma Insurance Department: A Guide to Dealing with Auto Insurance & Accidents
- Service Oklahoma: Violations, Suspensions & Reinstatements
- Oklahoma Insurance Department: File an Online Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Oklahoma City and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places