Compare Car Insurance Quotes in Oklahoma
Jerry is a free app trusted by 13,896 Oklahoma drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Oklahoma car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Oklahoma, Jerry drivers pay:
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$60 to $145 per month for state-mandated minimum coverage.
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$146 to $334 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Oklahomans save an average of $656 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
We make that process simple. Use the Jerry app to compare coverage and finalize your Oklahoma policy in under 10 minutes. It is free to compare and we never sell your personal info so you don’t have to worry about spam calls. Do it all digitally, or connect with a licensed agent whenever you need expert guidance.
Keep in mind that your insurance cost will depend on things like your car model, how much you drive, and your claims history. Here are some full coverage rates that Jerry drivers in Oklahoma have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Oklahoma ranks among the most expensive states for home insurance, thanks to its position in Tornado Alley, frequent hailstorms, and severe wind events. Bundling home and auto insurance is one of the most impactful ways to reduce your total premiums.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Oklahoma drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Oklahoma, shopping around helps you find the right fit.
That matters in Oklahoma, where severe weather is one of the biggest factors in what drivers pay. Tornado and hail damage push comprehensive costs up across the state, and rates also differ between Oklahoma City, Tulsa and the more rural areas. Jerry works with Oklahoma drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 13 trusted insurers in the Sooner State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Oklahoma drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Oklahoma
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Oklahoma car insurance coverage requirements
Oklahoma drivers have to buy liability insurance coverage before they can legally drive their car. Minimum coverage requirements in this state include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
Of course, this is just the absolute minimum car insurance coverage required in Oklahoma before you can get behind the wheel. If you want to better protect yourself, your car and your assets, consider increasing your coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that 12% of Oklahoma drivers are uninsured; buying uninsured/underinsured motorist (UM/UIM) protection offers even greater peace of mind.
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Coverage definitions
Factors affecting Oklahoma car insurance rates in 2026
Tornadoes, hail, and severe storms
Oklahoma is one of the most weather-active states in the country, with frequent tornado activity and hail that can total a car in a single storm. We recommend keeping comprehensive coverage because that’s what pays for hail, wind and storm debris damage, and in Oklahoma it matters more than in most states.
Rural crash severity and wildlife
Outside the metros, higher speeds and open roads mean crashes tend to be more severe and more expensive. Deer and other wildlife add to the risk, and comprehensive coverage is what typically pays for animal collisions. Keep it active if you spend time on rural routes.
OKC and Tulsa traffic
Oklahoma City and Tulsa bring more congestion, more merging, and more daily accident exposure. Carry collision coverage so your car is protected after a crash, and consider a telematics program like Jerry DriveShield, so your safer driving can translate into a lower rate.
Uninsured drivers
About one in eight Oklahoma drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Flash flooding
Even in a state known for tornadoes, heavy rain is a major vehicle-loss driver, creating flash floods and road washouts with little warning. Keep comprehensive coverage to cover flood-related damage, and never drive through standing water. One bad crossing can easily become a total loss.
Long distances and limited roadside support
In more remote areas, a breakdown or crash can mean longer tow distances and fewer nearby repair options. Adding roadside assistance or towing coverage, and keeping a deductible you can afford, helps keep secondary costs from stacking up.
Average cost of car insurance in major Oklahoma cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $266 | |
| $236 | |
| $263 | |
| $238 | |
| $215 | |
| $237 | |
| $223 | |
| $215 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Oklahoma quotes in as little as 2 minutes.
Learn more about driving in Oklahoma
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Oklahoma an at-fault insurance state?
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Does Oklahoma require uninsured motorist (UM) coverage?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.