Car Insurance Rates in Oklahoma (2026)
Car insurance in Oklahoma averages $1941 per year ($162/month). Oklahoma is an at-fault state with minimum liability requirements of 25/50/25.
Avg Annual Premium$1941
Avg Monthly Premium$162
Min Coverage25/50/25
Fault Systemat-fault
Cheapest Car Insurance Companies in Oklahoma
Based on average rates, the most affordable insurers in Oklahoma are GEICO, State Farm, Progressive.
| Insurer | Est. Monthly | Best For |
|---|---|---|
| GEICO | From $162 | Most drivers |
| State Farm | From $172 | Good drivers |
| Progressive | From $180 | Bundling |
Minimum Car Insurance Requirements in Oklahoma
Oklahoma requires minimum liability coverage of 25/50/25 (Bodily Injury per person / per accident / Property Damage).
Oklahoma operates under an at-fault insurance system.
Car Insurance Rates by City in Oklahoma
Rates vary significantly within Oklahoma. Drivers in Oklahoma City typically pay the highest premiums, while those in Tulsa enjoy some of the lowest rates in the state.