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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $21 | $250 | Mercury | 56 | May 7, 2025 | Oklahoma City, OK | 73165 |
| $25 | $296 | Progressive | 44 | April 1, 2025 | Oklahoma City, OK | 73179 |
| $26 | $316 | Mercury | 46 | June 27, 2025 | Oklahoma City, OK | 73106 |
| $27 | $328 | Mercury | 47 | February 26, 2025 | Oklahoma City, OK | 73160 |
| $28 | $332 | Mercury | 32 | April 2, 2025 | Oklahoma City, OK | 73107 |
| $28 | $334 | Progressive | 45 | June 25, 2025 | Oklahoma City, OK | 73142 |
| $28 | $340 | Progressive | 64 | April 12, 2025 | Oklahoma City, OK | 73119 |
| $29 | $350 | Mercury | 65 | June 24, 2025 | Oklahoma City, OK | 73112 |
| $31 | $366 | Mercury | 44 | June 23, 2025 | Oklahoma City, OK | 73110 |
| $33 | $394 | Mercury | 44 | June 22, 2025 | Oklahoma City, OK | 73109 |
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $40 | $474 | Progressive | 42 | June 20, 2025 | Oklahoma City, OK | 73105 |
| $42 | $504 | Progressive | 37 | June 14, 2025 | Oklahoma City, OK | 73179 |
| $49 | $588 | Mercury | 55 | April 25, 2025 | Oklahoma City, OK | 73122 |
| $51 | $610 | Progressive | 41 | June 19, 2025 | Oklahoma City, OK | 73139 |
| $58 | $696 | Progressive | 44 | June 23, 2025 | Oklahoma City, OK | 73114 |
| $60 | $724 | Mercury | 44 | June 26, 2025 | Oklahoma City, OK | 73170 |
| $61 | $730 | Progressive | 39 | June 16, 2025 | Oklahoma City, OK | 73159 |
| $63 | $760 | Progressive | 45 | May 1, 2025 | Oklahoma City, OK | 73112 |
| $65 | $778 | Progressive | 38 | June 15, 2025 | Oklahoma City, OK | 73107 |
| $65 | $780 | Progressive | 54 | July 19, 2025 | Oklahoma City, OK | 73127 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $69 | $824 | National General | 27 | No | April 15, 2025 | Oklahoma City, OK | 73159 |
| $78 | $930 | Bristol West | 27 | No | April 16, 2025 | Oklahoma City, OK | 73160 |
| $82 | $980 | ROOT | 23 | No | July 23, 2025 | Oklahoma City, OK | 73139 |
| $83 | $1,000 | ROOT | 23 | No | April 18, 2025 | Oklahoma City, OK | 73139 |
| $87 | $1,044 | Bristol West | 29 | No | February 27, 2025 | Oklahoma City, OK | 73128 |
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $27 | $328 | Mercury | 47 | No | February 26, 2025 | Oklahoma City, OK | 73160 |
| $28 | $332 | Mercury | 32 | No | April 2, 2025 | Oklahoma City, OK | 73107 |
| $28 | $334 | Progressive | 45 | No | June 25, 2025 | Oklahoma City, OK | 73142 |
| $40 | $478 | Mercury | 38 | No | June 15, 2025 | Oklahoma City, OK | 73111 |
| $42 | $504 | Progressive | 37 | Yes | June 14, 2025 | Oklahoma City, OK | 73179 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $250 | Mercury | 56 | No | May 7, 2025 | Oklahoma City, OK | 73165 |
| $28 | $340 | Progressive | 64 | No | April 12, 2025 | Oklahoma City, OK | 73119 |
| $39 | $472 | Geico | 64 | No | February 7, 2025 | Oklahoma City, OK | 73112 |
| $44 | $522 | National General | 66 | No | July 16, 2025 | Oklahoma City, OK | 73111 |
| $63 | $752 | National General | 63 | No | March 9, 2025 | Oklahoma City, OK | 73162 |
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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $250 | Mercury | 56 | May 7, 2025 | No | Oklahoma City, OK | 73165 |
| $27 | $328 | Mercury | 47 | February 26, 2025 | No | Oklahoma City, OK | 73160 |
| $28 | $332 | Mercury | 32 | April 2, 2025 | No | Oklahoma City, OK | 73107 |
| $28 | $334 | Progressive | 45 | June 25, 2025 | No | Oklahoma City, OK | 73142 |
| $28 | $340 | Progressive | 64 | April 12, 2025 | No | Oklahoma City, OK | 73119 |
| $39 | $472 | Geico | 64 | February 7, 2025 | No | Oklahoma City, OK | 73112 |
| $40 | $478 | Mercury | 38 | June 15, 2025 | No | Oklahoma City, OK | 73111 |
| $42 | $504 | Progressive | 37 | June 14, 2025 | Yes | Oklahoma City, OK | 73179 |
| $42 | $506 | National General | 41 | July 17, 2025 | No | Oklahoma City, OK | 73162 |
| $44 | $522 | National General | 66 | July 16, 2025 | No | Oklahoma City, OK | 73111 |
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 | $56 | $670 | Progressive | 61 | January 18, 2025 | Oklahoma City, OK | 73109 |
| <550 | $59 | $710 | Progressive | 35 | April 25, 2025 | Oklahoma City, OK | 73142 |
| <550 | $69 | $832 | Progressive | 43 | April 20, 2025 | Oklahoma City, OK | 73112 |
| <550 | $80 | $960 | The General | 48 | September 26, 2024 | Oklahoma City, OK | 73110 |
| <550 | $85 | $1,024 | The General | 52 | May 1, 2025 | Oklahoma City, OK | 73109 |
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 | $48 | $576 | Progressive | 42 | Yes | May 27, 2025 | Oklahoma City, OK | 73107 |
| At Fault With No Injury | $69 | $822 | Assurance America | 41 | No | July 4, 2025 | Oklahoma City, OK | 73112 |
| At Fault With No Injury | $69 | $828 | Progressive | 32 | Yes | August 28, 2024 | Oklahoma City, OK | 73120 |
| At Fault With No Injury | $70 | $844 | Progressive | 34 | No | March 17, 2025 | Oklahoma City, OK | 73162 |
| At Fault With No Injury | $75 | $900 | Mercury | 66 | No | May 16, 2025 | Oklahoma City, OK | 73112 |
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 | $79 | $944 | Progressive | 24 | November 10, 2024 | Oklahoma City, OK | 73118 |
| Speeding under 15 | $80 | $956 | National General | 34 | December 7, 2024 | Oklahoma City, OK | 73135 |
| Speeding under 15 | $97 | $1,160 | Progressive | 36 | December 19, 2024 | Oklahoma City, OK | 73134 |
| Speeding under 15 | $98 | $1,170 | National General | 24 | June 25, 2025 | Oklahoma City, OK | 73114 |
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.
