Published car-insurance premium data for Oklahoma (2026)
The lowest single filed rate anywhere in this survey is $322 and the highest is $6,845 — 21.3× apart, for defined hypothetical drivers.
Oklahoma Insurance Department · rates effective 1 January 2026 · six-month premiums · 1,000 filed rates · retrieved 9 August 2026 · source document
- Driver profiles published
- 10
- Cities published
- 5
- Filed rates behind these pages
- 1,000
- Policy term
- six-month
What OID publishes, and why it looks like this
The Oklahoma Insurance Department publishes a rate comparison covering 10 scenarios across 5 cities, with an identical panel of insurers quoting every scenario in every city and no gaps anywhere in the grid.
Premiums are for a six-month term. The department publishes the same grid twice — as a dated document and as an undated web page — and the two disagree on about a third of their rows. The dated artefact is what ships here, because an undated figure cannot carry a freshness stamp and two of the divergent rows price a sixteen-year-old below a twenty-one-year-old in every city, which no other row in either version does.
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with Oklahoma Insurance Department for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Liability, comprehensive and collision on a 2018 Chevrolet Malibu LS 4-door sedan. This comparison of six month premiums for a 2018 Chevrolet Malibu LS 4-door sedan reflects the following insurance coverage: A $25,000 maximum bodily injury limit for anyone person in any one accident subject to a maximum for all bodily injury damages of $50,000 in any one accident; a $25,000 maximum limit for property damage liability for any one accident; a $500 comprehensive deductible; a $500 collision deductible. Rates exclude operator discounts such as accident-free or good-student but include vehicle discounts such as passive restraints and anti-lock brakes, and each scenario assumes the applicant meets the insurer's own eligibility criteria. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
Every driver profile OID publishes
| Driver profile | Combinations | Lowest filed | Median range | Highest filed |
|---|---|---|---|---|
| Scenario A — Male operator, age 16 Age: 16. Single male/female. Principal operator. Drives to school. No accidents or moving violations in three years. Drives less… | 5 | $1,669 | $3,487–$4,803 | $6,845 |
| Scenario A — Female operator, age 16 Age: 16. Single male/female. Principal operator. Drives to school. No accidents or moving violations in three years. Drives less… | 5 | $1,434 | $2,938–$3,974 | $6,287 |
| Scenario B — Male operator, age 21 Age: 21. Single male/female. Principal operator. Drives 18 miles roundtrip to work. No accidents or moving violations in three… | 5 | $548 | $1,598–$1,920 | $3,460 |
| Scenario B — Female operator, age 21 Age: 21. Single male/female. Principal operator. Drives 18 miles roundtrip to work. No accidents or moving violations in three… | 5 | $554 | $1,383–$1,663 | $2,909 |
| Scenario C — Male operator, age 36 Age: 36. Married male/female. Principal operator. Drives 18 miles roundtrip to work. No accidents or moving violations in three… | 5 | $342 | $936–$1,112 | $1,822 |
| Scenario C — Female operator, age 36 Age: 36. Married male/female. Principal operator. Drives 18 miles roundtrip to work. No accidents or moving violations in three… | 5 | $342 | $896–$1,055 | $1,753 |
| Scenario D — Male operator, age 55 Age: 55. Married male/female. Principal operator. Drives 18 miles roundtrip to work. No accidents or moving violations in three… | 5 | $322 | $781–$885 | $1,722 |
| Scenario D — Female operator, age 55 Age: 55. Married male/female. Principal operator. Drives 18 miles roundtrip to work. No accidents or moving violations in three… | 5 | $322 | $776–$894 | $1,822 |
| Scenario E — Male operator, age 70 Age: 70. Married male/female. Principal operator. Pleasure use only. No accidents or moving violations in three years. Drives… | 5 | $335 | $750–$886 | $2,313 |
| Scenario E — Female operator, age 70 Age: 70. Married male/female. Principal operator. Pleasure use only. No accidents or moving violations in three years. Drives… | 5 | $335 | $754–$910 | $2,143 |
The other dimension of this survey
OID rates 5 cities as well. Every one of them appears on the pages above, as a row inside each driver profile page. The transposed pages — one page per city, carrying every driver profile — are a later batch, and are named here rather than linked because they do not exist yet.
- Oklahoma City
- Tulsa
- Lawton
- Woodward
- McAlester
What Oklahoma requires by statute
These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in Oklahoma sets out what the statute obliges a driver to carry, with the citation and the effective date.
Questions about this data
- Are these car-insurance quotes for Oklahoma?
- No. They are rates insurers filed with Oklahoma Insurance Department for driver profiles the regulator defined. They are not offers and not what any individual pays.
- Why is there no single average figure for Oklahoma?
- Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $322 and the highest is $6,845, both for defined hypothetical drivers.
- Are these six-month premiums?
- Oklahoma Insurance Department publishes six-month premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: Oklahoma Insurance Department, rates effective 1 January 2026. Retrieved 9 August 2026. 1,000 filed rates aggregated into 50 published distributions; no per-insurer figure is stored or shown.