Average insurance rates across 58 cities in Oklahoma
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Oklahoma City | 681,054 | $2,958 | $1,696 | $569/mo | $19/mo |
| Tulsa | 413,066 | $2,924 | $1,677 | $568/mo | $19/mo |
| Norman | 128,026 | $2,992 | $1,716 | $570/mo | $19/mo |
| Broken Arrow | 114,237 | $2,958 | $1,696 | $569/mo | $19/mo |
| Edmond | 94,503 | $2,958 | $1,696 | $569/mo | $19/mo |
| Lawton | 91,023 | $2,958 | $1,696 | $569/mo | $19/mo |
| Moore | 62,685 | $2,958 | $1,696 | $569/mo | $19/mo |
| Midwest City | 58,124 | $2,958 | $1,696 | $569/mo | $19/mo |
| Enid | 50,961 | $2,958 | $1,696 | $569/mo | $19/mo |
| Stillwater | 48,644 | $2,958 | $1,696 | $569/mo | $19/mo |
| Owasso | 38,134 | $2,958 | $1,696 | $569/mo | $19/mo |
| Bartlesville | 37,314 | $2,958 | $1,696 | $569/mo | $19/mo |
| Muskogee | 36,933 | $2,958 | $1,696 | $569/mo | $19/mo |
| Shawnee | 31,391 | $2,958 | $1,696 | $569/mo | $19/mo |
| Bixby | 28,731 | $2,958 | $1,696 | $569/mo | $19/mo |
Oklahoma residents pay an average of $3,400 per year for home insurance and $1,950 for auto insurance. Oklahoma follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Oklahoma averages $580 per month for an individual Silver marketplace plan. The weather risk level is high, with tornado activity affecting premiums. Top insurance providers in Oklahoma include State Farm, Oklahoma Farm Bureau, Shelter Insurance.
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Policygenius The ZebraThe average home insurance cost in Oklahoma is $3,400 per year. Rates range from $2,100 to $4,800 depending on home value, location, and coverage level.
Auto insurance in Oklahoma averages $1,950 per year for full coverage. The state minimum coverage is 25/50/25.
Yes, Oklahoma has above-average insurance costs, with home insurance at $3,400/yr and auto at $1,950/yr compared to national averages of $2,300 and $1,800 respectively.
Oklahoma requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.