Updated May 29, 2026

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Cheap car insurance in Oklahoma City, OK

Oklahoma City drivers pay an average of $304 a month for full coverage and $129 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$39

Lowest state minimum quote Jerry has found in last 12 months

$102

Lowest full coverage quote Jerry has found in last 12 months

$138

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Oklahoma City sits in the heart of Tornado Alley and has been among the most tornado-exposed major U.S. metros over the past several decades, including the widest tornado ever recorded in 2013. Hail is a bigger ongoing cause of insurance losses, with Oklahoma routinely ranking among the top states for hail claims.

Additionally, roughly one in eight Oklahoma drivers carries no insurance at all, with the cost of those crashes pushing liability premiums up for everyone else. Within the metro, claim frequency along the I-35, I-40 and I-44 corridors and pockets of vehicle theft concentration drive the wide ZIP-level pricing spread visible in our data.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Oklahoma City drivers starting as low as $102 per month for full coverage (Mercury) and $59 per month for state minimum (Mercury) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Oklahoma City drivers

Here are some recent quotes Jerry has pulled for drivers in Oklahoma City. These aren’t sample rates — they’re actual quotes pulled for Oklahoma City drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Oklahoma City?

Right now, Mercury is the cheapest average carrier for Oklahoma City drivers at around $59 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Oklahoma City’s carrier mix is unusual in that Mercury leads both state minimum and full coverage averages, rather than the more common split where one carrier leads minimum coverage and another leads full coverage. The supporting cast leans heavily on national standard brands and non-standard specialists. Four observations to weigh as you compare:

• The cheapest option for Oklahoma City drivers with clean records is Mercury, which leads both state minimum and full coverage averages in our Oklahoma City data and produced the lowest individual quote in both coverage tiers. Mercury’s double advantage across coverage levels is unusual in city data and worth pulling alongside other quotes regardless of which tier you’re shopping. You can read more in Jerry’s Mercury Insurance review.

• Oklahoma City insurers separate low risk and high risk drivers aggressively, which means two drivers with similar vehicles can receive dramatically different quotes based on accidents, prior insurance history or recent violations. Comparing quotes becomes especially important once a driver falls outside the preferred tier market.

• The cheapest company for bare minimum coverage is often not the cheapest option once stronger protection is added. In Oklahoma City, some insurers remain competitive across multiple coverage levels, while others become much more expensive after adding collision, comprehensive or higher liability limits.

• Discounts can reshape the market more than many drivers realize. Bundling auto coverage with renters or homeowners insurance, qualifying for loyalty or membership programs, or insuring multiple vehicles together can significantly reduce premiums and change which carrier ends up offering the best overall value.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

Mercury is the cheapest car insurance company in Oklahoma City for state minimum coverage at an average of $59 per month. 

Cheapest carriers in Oklahoma City by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Mercury	$59	$39
Progressive	$74	$47
GEICO	$76	$56
National General	$83	$61
Bristol West	$90	$61

Mercury

Average monthly cost

$59

Cheapest quote we’ve found

$39

Progressive

Average monthly cost

$74

Cheapest quote we’ve found

$47

GEICO

Average monthly cost

$76

Cheapest quote we’ve found

$56

National General

Average monthly cost

$83

Cheapest quote we’ve found

$61

Bristol West

Average monthly cost

$90

Cheapest quote we’ve found

$61

Last Updated June 3, 2026

Based on Jerry data from the past 12 months.

Mercury is the cheapest car insurance company in Oklahoma City for full coverage at an average of $178 per month. 

Cheapest carriers in Oklahoma City by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Mercury	$178	$102
Root	$189	$147
AssuranceAmerica	$214	$125
Progressive	$216	$122
National General	$228	$146

Mercury

Average monthly cost

$178

Cheapest quote we’ve found

$102

Root

Average monthly cost

$189

Cheapest quote we’ve found

$147

AssuranceAmerica

Average monthly cost

$214

Cheapest quote we’ve found

$125

Progressive

Average monthly cost

$216

Cheapest quote we’ve found

$122

National General

Average monthly cost

$228

Cheapest quote we’ve found

$146

Last Updated June 3, 2026

Based on Jerry data from the past 12 months.

Key takeaway: Mercury is the cheapest option for most Oklahoma City drivers, but Root can be more competitive for drivers with less-than perfect records. With Mercury leading both coverage tiers in our data, comparison shopping across non-standard specialists is what most often surfaces savings for drivers who don’t fit the clean-record profile. Jerry shows you multiple quotes at once so you can compare and save.

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Why is car insurance expensive in Oklahoma City?

Drivers in Oklahoma City with clean records average $227/mo, which is above the OK state average ($196/mo) but below the national average of $262/mo. Severe weather exposure does most of the work in pushing Oklahoma City premiums above the state baseline, with several other Oklahoma-specific factors adding pressure.

Oklahoma City car insurance rates by ZIP code

Oklahoma City ZIP-level premiums vary noticeably across the metro, with a sizable spread between the lowest- and highest-priced areas in our data. The differences appear to track more closely with localized claim activity and vehicle theft risk than with any simple geographic split across the city.

Cheapest ZIP codes

The cheapest ZIPs in Jerry’s Oklahoma City data are concentrated across downtown, the east side and the far-northeast Edmond border. Downtown Oklahoma City and east-side neighborhoods like Del City and Forest Park show the lowest average premiums in our data, despite being closer to the urban core than the suburban ZIPs that usually trend cheapest in other cities.

Most expensive ZIP codes

The most expensive ZIPs in our Oklahoma City data are scattered across south OKC, the Tinker Air Force Base area and parts of central-northeast OKC. What ties them together is higher claim frequency along the I-35, I-40 and I-240 corridors, not any single geographic pattern.

Oklahoma City car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Oklahoma City data shows for each, and what it actually means for your quote.

By age

Oklahoma City shows the same mid-twenties age cliff visible across most U.S. metros, with the steepest single-step drop landing at age 25. Jerry’s Oklahoma City data shows a rate cliff around 25, resulting in a $39/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $97/mo drop for full coverage. Because full coverage premiums often fall noticeably around age 25, shopping for new quotes near that milestone can be worthwhile. Some insurers update pricing immediately, while others may not reflect lower rates until a later renewal period.

Average cost of insurance in Oklahoma City by age group, state minimum

Average cost of insurance in Oklahoma City by age group, full coverage

By driving record

Having at-fault accidents adds 19% on average for Oklahoma City Jerry users. Tickets and accidents both push rates noticeably higher across the board, though DUI drivers with state minimum coverage actually average less than clean-record drivers.

This isn’t a typo, and it isn’t insurers treating DUIs lightly; rather, it’s a sorting effect. Drivers with serious violations tend to pick non-standard insurers that compete aggressively on bare-minimum policies, while clean-record drivers are spread across a wider mix of carriers and broader policies. The full-coverage data tells the more conventional story:  tickets, accidents and DUIs all raise premiums compared to drivers with a clean record.

Surcharges typically stay on your rate for three years in Oklahoma. Jerry re-shops your policy when yours are about to fall off, so you’re notified of savings even if you don’t remember to check.

Average cost of state minimum coverage in Oklahoma City, by driving record

Average cost of full coverage in Oklahoma City, by driving record

By credit score

Oklahoma lets insurers use a credit-based insurance score as one factor in pricing your policy. In most cases, drivers with higher credit scores pay less, and the biggest pricing gaps usually show up between the highest and lowest tiers. But how heavily each insurer weighs your credit varies a lot from carrier to carrier, which is why comparison shopping pays off the most, especially for drivers with less-than-perfect credit histories. If your credit sits in the middle of the range, you’re likely to see the widest pricing spread when you compare quotes (and the most room to save).

Average cost of state minimum coverage in Oklahoma City, by credit score

Average cost of full coverage in Oklahoma City, by credit score

How Jerry finds car insurance savings for Oklahoma City drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. That’s why Jerry compares rates from up to 12 insurers in minutes to help drivers find more affordable coverage. Here’s a look at real quotes Jerry customers in Oklahoma City found when they shopped around.

Recent quotes

Learn more: Best car insurance in Oklahoma

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If you’re looking to find the cheapest car insurance in Oklahoma, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Always compare quotes from different companies

Drivers in Oklahoma City can often find real savings by comparing quotes from different insurers. Insurers price driver profiles differently and that’s why quotes vary for the same coverage. Here are some recent examples:

Recent customer quotes

Jerry Agent Tip 2: Lower your premium by stacking discounts

Drivers in Oklahoma City can lower their premiums by taking advantage of discounts like having a safe driving record, getting a quote ahead of time or going paperless. These savings can help you get a lower quote without giving up the coverage you need. Jerry automatically searches for every discount you qualify for so you never miss a chance to save.

Jerry Agent Tip 3: Balance protection and price to find the right coverage

Comparing coverage levels helps you stay protected without paying for more than you need. You can stick with the legal state minimum to keep premiums low, or choose higher tiers for extras like rental coverage, towing and better financial protection after an accident. 

Here are the coverage options Oklahoma City drivers can choose from to find the balance that works best:

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Oklahoma car insurance minimums: What’s required in Oklahoma City

Oklahoma requires liability coverage on every vehicle under the state’s compulsory insurance law. Here are the minimum requirements in Oklahoma:

• $25,000 in bodily injury liability per person.

• $50,000 in bodily injury liability per accident.

• $25,000 in property damage liability per accident.

Driving without the required coverage can result in license and registration suspension, fines and vehicle impoundment.

Many Oklahoma City drivers carry liability well above the 25/50/25 minimum, and for good reason: a serious injury claim can blow past Oklahoma’s $25,000 per-person minimum fast. The average economic cost of a disabling injury from a motor vehicle crash is $167,000, according to the National Safety Council, nearly seven times Oklahoma’s per-person bodily injury minimum.Jerry can help you find affordable car insurance starting at just $131/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes