Oklahomans could pay 8.7% more on their car insurance over the year’s first three months — or an average of about $72 more per month in the first quarter, according to a report that just dropped.
The Zebra, a car and home insurance comparison site, has been tracking premium prices since 2024. Oklahoma is projected to have the fifth-highest increases in the nation over the first three months of 2026. Oregon topped the list, with Maryland, Utah and Michigan following behind.
The national annual premium average rose to $2,256 in 2025, with 29 states seeing increases. The average premium was $2,480 in Oklahoma, or an increase of $604 from 2024, according to The Zebra report.
Whether that’s affordable is another question. Premiums become less affordable as they rise and eat up more and more of your income. The Zebra report measured this using median premium prices and income levels.
Oklahoma ranks sixth for affordability of car insurance based on income, which means premiums are taking up more of Oklahomans’ budgets. Louisiana reported the least affordable premiums, with Florida, Arkansas, Mississippi and Michigan rounding out the top five.
Read the full report here.
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