CarDiscern

Average car insurance cost in Oklahoma (2026)

Drivers in Oklahoma pay an average of $169 a month for full coverage and $84 a month for liability only.

Full coverage / month

$169

Liability only / month

$84

Full coverage / year

$2,028

Liability only / year

$1,008

Cost rank

#23 of 51

1 = most expensive. Liability-only rank: #28.

Averages are a starting point. Estimate your cost in Oklahoma

How Oklahoma compares

The full-coverage average of $169 is 3% below the average across states ($174), and the liability-only average of $84 is 14% below the average across states ($98). Oklahoma is mid-table: 22 of the 51 places in our table have a higher full-coverage average. That is $132 a month below Maryland, the highest, and $84 above New Hampshire, the lowest.

Full coverage vs liability only in Oklahoma

Full coverage costs $85 more per month than liability only in Oklahoma, or $1,020 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.

States with similar prices

The five places closest to Oklahoma by full-coverage average:

States with full-coverage costs closest to Oklahoma
StateFull / monthLiability / monthDifference
Illinois$163$84-$6
Arizona$163$91-$6
Pennsylvania$161$90-$8
Missouri$180$93+$11
West Virginia$157$83-$12

How a profile could change the estimate

These figures apply our illustrative multipliers to the Oklahoma averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.

Illustrative monthly estimates for Oklahoma
Example profileFullLiability
Age 35-54, clean record, good credit, sedan, mid mileage (the baseline)$169$84
Same driver, age 20-24$245$122
Same driver, one ticket$206$102
Same driver, one at-fault accident$240$119
Same driver, sports car$220$109

Frequently asked questions

How much does car insurance cost in Oklahoma?

The average in Oklahoma is $169 a month ($2,028 a year) for full coverage and $84 a month ($1,008 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.

Is car insurance in Oklahoma expensive compared with other states?

Oklahoma ranks 23rd highest of the 50 states and D.C. for full coverage. Its full-coverage average is 3% below the average across states of $174 a month.

How much more does full coverage cost than liability only in Oklahoma?

On average, full coverage costs $85 more per month in Oklahoma, or $1,020 more per year. That is 101% more than the liability-only average.

How much could an at-fault accident change an estimate in Oklahoma?

With our illustrative 1.42 factor, a baseline full-coverage estimate in Oklahoma rises from $169 to about $240 a month, or about $71 more. This is a simplified estimate, not an insurer's price.

Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.