Scenario E — Male operator, age 70 — published premium data across Oklahoma (2026)
The driver, exactly as OID defines it
Age: 70. Married male/female. Principal operator. Pleasure use only. No accidents or moving violations in three years. Drives 7,500 miles annually. Quoted for a male operator. 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.
Across Oklahoma the median for this profile runs $750 in Woodward to $886 in Oklahoma City. Individual filed rates run $335 to $2,313.
Oklahoma Insurance Department · rates effective 1 January 2026 · six-month premiums · 100 filed rates · retrieved 9 August 2026 · source document
- Cities published
- 5
- Filed rates
- 100
- Geographic median gap
- 18.1%
- Policy term
- six-month
| City | Filed rates (n) | Lowest | 25th percentile | Median | 75th percentile | Highest |
|---|---|---|---|---|---|---|
| Oklahoma City | 20 | $392 | $673 | $886 | $1,134 | $2,313 |
| Tulsa | 20 | $387 | $678 | $868 | $1,195 | $2,292 |
| Lawton | 20 | $335 | $613 | $786 | $958 | $1,938 |
| Woodward | 20 | $367 | $601 | $750 | $981 | $1,457 |
| McAlester | 20 | $413 | $636 | $794 | $953 | $1,723 |
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.
What Oklahoma requires by statute
Oklahoma's statutory minimum liability limits are 25/50/25. The profile above buys the coverage OID specified for its own survey, which is a separate question from the legal minimum. Car-insurance requirements in Oklahoma.
Coverage gap calculator
A liability limit caps what the policy pays. Anything above it is the at-fault driver’s own exposure. This works out the difference against the limits in your state’s statute — nothing else.
Above the limit
$17,000
A $42,000 property damage claim against Oklahoma’s statutory minimum property damage of $25,000 leaves $17,000 above the limit.
General information, not insurance, financial or legal advice. Coverage requirements change; verify with your state insurance department or the statute before acting. Nothing you type here leaves your browser.
Every other profile OID publishes
- Scenario A — Male operator, age 16
- Scenario A — Female operator, age 16
- Scenario B — Male operator, age 21
- Scenario B — Female operator, age 21
- Scenario C — Male operator, age 36
- Scenario C — Female operator, age 36
- Scenario D — Male operator, age 55
- Scenario D — Female operator, age 55
- Scenario E — Female operator, age 70
Questions about this profile
- Which driver does this page describe?
- Age: 70. Married male/female. Principal operator. Pleasure use only. No accidents or moving violations in three years. Drives 7,500 miles annually. Quoted for a male operator. 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.
- Why does the same driver cost so differently by city?
- Because geography is a rating factor. For this exact profile the median filed rate runs from $750 in Woodward to $886 in Oklahoma City, a gap of 18.1% for the same driver buying the same cover in the same state.
- 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. 100 filed rates aggregated into the 5 distributions above; statewide the survey holds 1,000 filed rates across 50 distributions. Widest single-cell spread on this page: 5.9×.