Car insurance costs are a necessary part of owning a car. If you want to drive, you have to have it. That’s the law in pretty much every state.

Not only is it required, but it’s also something you have to pay for that can be pretty expensive. However, car insurance rates vary widely. And one significant factor in how much you pay for insurance is the state you live in. Some states have much more expensive rates than others.

In this article, we’ll look specifically at car insurance rates in Oklahoma. You’ll learn how much is car insurance in Oklahoma, what are the main factors that affect the costs and other helpful information to help you get the lowest rates possible.

How Much Is Car Insurance In Oklahoma?

The answer to that question depends on many factors. 

To give you a general idea, the average cost of car insurance premiums in Oklahoma in 2022 ranged from $1,300 to $1,550 per year. 

This puts Oklahoma’s car insurance coverage right in the range of the national average, $1,483 per year. 

Now let’s go over what else can affect your premiums in Oklahoma. 

Factors that Affect Coverage Costs

Age

First, the younger you are when you get auto insurance, the higher the price. Insurance premiums are super high for those who drive before they turn 20 years old

The car insurance premiums for 17 years old are $6,730 per year, while for 30 years old, it is only around $1,500. 

Oklahoma’s cheapest car insurance rates are premiums for drivers in their 50s. Their yearly premiums are only around $1,300 on average.

Next, we’ll look at another main factor affecting your monthly insurance premiums… the amount of coverage you are looking for.

Coverage Amount

If you only plan to have minimum coverage, Oklahoma’s average car insurance rate in 2022 ranges between $425 to $635 per year. 

The amount (or type) of car insurance coverage you get is a key factor that affects your car insurance rates. 

On the other hand, full coverage in 2022 ranged from around $1,300 to $1,900, nearly twice the amount of minimum coverage. But it covers a lot more, so you’re getting value for that additional cost.

Providers

Your car insurance provider is another factor that affects how much car insurance premiums you will pay in Oklahoma. 

First, let’s discuss minimum coverage options.

The company that offers the cheapest rates for the minimum coverage is USAA. Their premiums are only around $270 per year for minimum coverage. 

On the other hand, the most expensive car insurance minimum coverage comes from MetLife. Their car insurance premiums cost $850 per year for minimum coverage. 

Next, for full insurance: your cheapest is Geico, at only around $775 per year. Meanwhile, the most expensive full coverage for car insurance comes from Home State Insurance Group, at over $3,000 per year. 

Driving History

Last, a big factor influencing auto insurance premiums in Oklahoma is your driving history. 

The average annual premium for drivers involved in an accident – where you were at fault – is a little over $2,200. 

If you have a DUI or DWI on your driving record, you can expect your insurance to cost around $2,175 per year on average.

So there you have it! Although the price of your car insurance in Oklahoma is hard to answer, you can see which factors would affect how much you may pay.

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