The drive through Oklahoma City and the nearby rolling hills can be smooth and scenic, but with the potential for high winds and occasional tornadoes, a dependable insurance policy is essential.
It’s wise to compare car insurance from multiple companies to find the one that can get you the most affordable coverage, but it can be hard to know what to expect when you’re shopping for car insurance.
We’ve gathered data from real Jerry customers in Oklahoma City to help show you how local drivers’ quotes can vary by their age, credit scores and driving records.
More: Best car insurance in Oklahoma
Cheapest minimum coverage insurance in Oklahoma City
Oklahoma requires you to have a $25,000/$50,000/$25,000 policy:
- $25,000 in bodily injury coverage per person.
- $50,000 in bodily injury coverage per accident.
- $25,000 in property damage per accident.
Here are the cheapest rates for minimum coverage in Oklahoma City, based on real quotes from Jerry customers.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $34 | $404 | Progressive | 42 | May 27, 2025 | Oklahoma City, OK | 73107 |
| $35 | $418 | Progressive | 25 | February 2, 2025 | Oklahoma City, OK | 73159 |
| $36 | $426 | Progressive | 32 | January 11, 2025 | Oklahoma City, OK | 73108 |
| $37 | $438 | Mercury | 33 | May 26, 2025 | Oklahoma City, OK | 73130 |
| $38 | $454 | Progressive | 79 | November 27, 2024 | Oklahoma City, OK | 73170 |
| $42 | $498 | Progressive | 43 | April 20, 2025 | Oklahoma City, OK | 73112 |
| $42 | $506 | Progressive | 50 | March 26, 2025 | Oklahoma City, OK | 73118 |
| $43 | $520 | Progressive | 56 | March 5, 2025 | Oklahoma City, OK | 73127 |
| $44 | $526 | Mercury | 62 | August 5, 2024 | Oklahoma City, OK | 73111 |
| $44 | $528 | Progressive | 60 | October 23, 2024 | Oklahoma City, OK | 73132 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Oklahoma
Cheapest full coverage insurance in Oklahoma City
Full coverage consists of collision and comprehensive coverage. Collision insurance pays for damages to your vehicle after an accident, regardless of who’s at fault, while comprehensive coverage pays for non-collision-related damages, including those caused by natural disasters.
The state’s insurance department has highlighted wind and hail damage as a threat to Oklahomans’ vehicles. Collision coverage would likely not protect your vehicle from damage caused by weather, but comprehensive coverage may protect you in the event of any body, windshield and interior damage.
Here are the cheapest quotes for full coverage in Oklahoma City, based on real quotes from Jerry customers.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $34 | $404 | Progressive | 42 | May 27, 2025 | Oklahoma City, OK | 73107 |
| $38 | $454 | Progressive | 79 | November 27, 2024 | Oklahoma City, OK | 73170 |
| $42 | $498 | Progressive | 43 | April 20, 2025 | Oklahoma City, OK | 73112 |
| $43 | $516 | Progressive | 36 | March 24, 2025 | Oklahoma City, OK | 73179 |
| $43 | $520 | Progressive | 56 | March 5, 2025 | Oklahoma City, OK | 73127 |
| $44 | $528 | Progressive | 60 | October 23, 2024 | Oklahoma City, OK | 73132 |
| $47 | $568 | Progressive | 30 | April 17, 2025 | Oklahoma City, OK | 73114 |
| $49 | $592 | Progressive | 27 | April 16, 2024 | Oklahoma City, OK | 73110 |
| $53 | $640 | Progressive | 78 | November 1, 2024 | Oklahoma City, OK | 73117 |
| $54 | $652 | Progressive | 65 | October 20, 2024 | Oklahoma City, OK | 73112 |
More: Best car insurance companies
Cheapest car insurance for young drivers in Oklahoma City (18-29 years old)
Younger drivers in Oklahoma City may pay higher rates than older drivers, but they still may be able to get affordable insurance. It pays to compare quotes from multiple insurers to find the best rate. Here are the cheapest quotes young Jerry customers in Oklahoma City have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $418 | Progressive | 25 | No | February 2, 2025 | Oklahoma City, OK | 73159 |
| $48 | $574 | Progressive | 29 | No | May 11, 2025 | Oklahoma City, OK | 73115 |
| $49 | $592 | Progressive | 27 | Yes | April 16, 2024 | Oklahoma City, OK | 73110 |
| $56 | $676 | National General | 26 | No | April 4, 2025 | Oklahoma City, OK | 73122 |
| $59 | $702 | Progressive | 26 | No | February 19, 2025 | Oklahoma City, OK | 73139 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Oklahoma City (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $404 | Progressive | 42 | Yes | May 27, 2025 | Oklahoma City, OK | 73107 |
| $36 | $426 | Progressive | 32 | No | January 11, 2025 | Oklahoma City, OK | 73108 |
| $37 | $438 | Mercury | 33 | No | May 26, 2025 | Oklahoma City, OK | 73130 |
| $42 | $498 | Progressive | 43 | Yes | April 20, 2025 | Oklahoma City, OK | 73112 |
| $42 | $506 | Progressive | 50 | No | March 26, 2025 | Oklahoma City, OK | 73118 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $38 | $454 | Progressive | 79 | Yes | November 27, 2024 | Oklahoma City, OK | 73170 |
| $43 | $520 | Progressive | 56 | Yes | March 5, 2025 | Oklahoma City, OK | 73127 |
| $44 | $526 | Mercury | 62 | No | August 5, 2024 | Oklahoma City, OK | 73111 |
| $44 | $528 | Progressive | 60 | Yes | October 23, 2024 | Oklahoma City, OK | 73132 |
| $50 | $600 | Mercury | 55 | No | February 5, 2025 | Oklahoma City, OK | 73134 |
Cheapest car insurance for drivers with clean records in Oklahoma City
Drivers in Oklahoma City with a no claims or traffic violations tend to get lower rates than those with less-than-perfect records. Here are the cheapest quotes that Oklahoma City Jerry customers with clean records have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $36 | $426 | Progressive | 32 | January 11, 2025 | No | Oklahoma City, OK | 73108 |
| $38 | $454 | Progressive | 79 | November 27, 2024 | Yes | Oklahoma City, OK | 73170 |
| $42 | $498 | Progressive | 43 | April 20, 2025 | Yes | Oklahoma City, OK | 73112 |
| $42 | $506 | Progressive | 50 | March 26, 2025 | No | Oklahoma City, OK | 73118 |
| $44 | $526 | Mercury | 62 | August 5, 2024 | No | Oklahoma City, OK | 73111 |
| $45 | $536 | Progressive | 45 | March 2, 2025 | No | Oklahoma City, OK | 73159 |
| $47 | $568 | Progressive | 30 | April 17, 2025 | Yes | Oklahoma City, OK | 73114 |
| $48 | $574 | Progressive | 29 | May 11, 2025 | No | Oklahoma City, OK | 73115 |
| $48 | $578 | Progressive | 34 | April 2, 2025 | No | Oklahoma City, OK | 73112 |
| $50 | $600 | Mercury | 55 | February 5, 2025 | No | Oklahoma City, OK | 73134 |
Cheapest car insurance for drivers with low credit scores in Oklahoma City
A low credit score could lead to higher insurance costs. Here are some of the cheapest rates for drivers with low scores in Oklahoma City, based on data from real Jerry customers.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $37 | $438 | Mercury | 33 | May 26, 2025 | Oklahoma City, OK | 73130 |
| <550 | $42 | $498 | Progressive | 43 | April 20, 2025 | Oklahoma City, OK | 73112 |
| <550 | $56 | $670 | Progressive | 61 | January 18, 2025 | Oklahoma City, OK | 73109 |
| <550 | $59 | $710 | Progressive | 35 | April 25, 2025 | Oklahoma City, OK | 73142 |
| <550 | $63 | $756 | Progressive | 54 | April 4, 2025 | Oklahoma City, OK | 73112 |
Cheapest car insurance for drivers with at-fault accidents in Oklahoma City
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $34 | $404 | Progressive | 42 | Yes | May 27, 2025 | Oklahoma City, OK | 73107 |
| At Fault With No Injury | $37 | $438 | Mercury | 33 | No | May 26, 2025 | Oklahoma City, OK | 73130 |
| At Fault With No Injury | $44 | $528 | Progressive | 60 | Yes | October 23, 2024 | Oklahoma City, OK | 73132 |
| At Fault With No Injury | $56 | $676 | National General | 26 | No | April 4, 2025 | Oklahoma City, OK | 73122 |
| At Fault With No Injury | $59 | $706 | Progressive | 43 | No | July 23, 2024 | Oklahoma City, OK | 73150 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Oklahoma City
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $35 | $418 | Progressive | 25 | February 2, 2025 | Oklahoma City, OK | 73159 |
| Speeding under 15 | $43 | $516 | Progressive | 36 | March 24, 2025 | Oklahoma City, OK | 73179 |
| Speeding under 15 | $63 | $756 | Progressive | 23 | June 10, 2025 | Oklahoma City, OK | 73134 |
| Speeding under 15 | $63 | $758 | Progressive | 28 | March 12, 2025 | Oklahoma City, OK | 73170 |
| Speeding under 15 | $67 | $808 | Assurance America | 30 | June 27, 2025 | Oklahoma City, OK | 73107 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
