Oklahoma auto insurance averages - $1,084.54 per year in 2023, ranked #29 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Oklahoma's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,084.54 ▲13.1% | $566 |
| 2022 | $959.06 ▲7.3% | $507 |
| 2021 | $894.07 ▲0.6% | $483 |
| 2020 | $888.47 ▼2.8% | $489 |
| 2019 | $913.63 | $507 |
Evidence lead: Year-by-year shape
Oklahoma's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Year-by-year shape
Oklahoma's only decline is a shallow -2.8% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +13.1%, and the latest step is +13.1%. This is a rising series with one flat spot, not a genuine reversal.
Coverage-component signature
Oklahoma's most distinctive 2023 component is comprehensive: $337.88, or 35.7% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
Oklahoma's $1,084.54 average expenditure places it #29 of 51, in the broad middle of the reported jurisdictions. A middle rank does not mean every coverage component is typical: liability, collision, and comprehensive averages can occupy different positions even when the blended expenditure lands near the center.
Five-year movement
Oklahoma's +18.7% endpoint change ranks #24 of 51. Its five-year movement is neither in the fastest nor slowest cohort in this release. This percentile-like position compares the same 2019 and 2023 expenditure fields for every jurisdiction rather than mixing carrier quotes or incompatible policy profiles.
Moderate registry context
In the linked NAIC-derived registry, Oklahoma has 5,569 complaints distributed across 44 companies. The two coverage ranks are #36 and #36 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, Oklahoma's closest peers in this dataset are New Mexico ($1,081.61) and Alabama ($1,081.24), both within a few dollars of Oklahoma's own $1,084.54.
Note on state comparisons: These averages reflect the mix of coverages purchased in Oklahoma, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
