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How much is car insurance in Oklahoma City?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Oklahoma are about $11 a month cheaper than the rates drivers pay in Oklahoma City.
The average cost of insuring your vehicle in Oklahoma City is above the national rate. The average monthly payment for the rest of the U.S. is about is about $2 cheaper than it is in Oklahoma City.
These may be the average auto insurance rates for Oklahoma City, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But don't worry, we've broken down the average rates for Oklahoma City residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay $60 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may creep back up a bit in Oklahoma City.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The price to insure your car in Oklahoma City, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Oklahoma City, drivers with one accident on their record will experience rates around $107 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $94.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$100|
|15 Years or Older||$75|
The most affordable vehicles to insure in Oklahoma City are usually trucks and vans, which run about $76 per month.
Car owners, on the other hand, by and large pay around $86 a month, while SUV drivers can expect to pay about $80 per month to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Oklahoma City are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Oklahoma City reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
One other element taken into consideration is your housing status. Drivers who own property in Oklahoma City can expect to pay around $4 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Oklahoma City, OK
Recent trends in car insurance for Oklahoma City drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for car insurance in Oklahoma City have been mixed as of late, they decreased in 2017, increased in 2019, and dropped again in 2021, before finishing at $72 in 2022.
How does Oklahoma City compare to neighboring areas?
Why are car insurance rates in Oklahoma City different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community regulations
- Area crime rates
- Road Safety (total number of local car accidents)
- Off-street parking availability
- Number of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Oklahoma City?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Oklahoma City.
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Oklahoma City Insurance FAQs
What factors affect car insurance quotes in Oklahoma City?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Oklahoma City different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Oklahoma City?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Oklahoma City?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Oklahoma City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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