Ford Mustang Insurance Cost in Oklahoma
Insuring a Ford Mustang in Oklahoma costs about $1,710 a year ($142/month) for full coverage by our estimate — −8% versus the same car nationally — the 20th most expensive of 51 states for this model.
Ford Mustang insurance in Oklahoma at a glance
The Ford Mustang is 19% more expensive than the average vehicle to insure in Oklahoma, reflecting HLDI collision losses of 184 and comprehensive losses of 115 (100 = average). Oklahoma's own base rates are 15% lower than the national average, which carries through to every model.
Oklahoma factors that affect Mustang premiums
- Uninsured drivers: 12.0% of Oklahoma drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Mustang.
- Theft: 195 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Oklahoma's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.39 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
Ford Mustang insurance cost in Oklahoma cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Oklahoma City | $1,835 | $465 | +7% |
| Tulsa | $1,840 | $465 | +8% |
| Norman | $1,790 | $455 | +5% |
| Broken Arrow | $1,885 | $480 | +10% |
| Edmond | $1,850 | $470 | +8% |
| Lawton | $1,725 | $440 | +1% |
| Moore | $1,935 | $490 | +13% |
| Midwest City | $1,920 | $485 | +12% |
| Durant | $1,690 | $435 | −1% |
Ford Mustang insurance in Oklahoma by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,195 | $1,730 | $4,700 | $392 |
| Young adult (22) | $695 | $1,005 | $2,735 | $228 |
| Adult in their 30s | $435 | $630 | $1,710 | $143 |
| Adult in their 50s | $400 | $580 | $1,575 | $131 |
| Senior (72) | $485 | $705 | $1,915 | $160 |
| 30s, one at-fault accident | $630 | $915 | $2,480 | $207 |
| 30s, DUI on record | $805 | $1,165 | $3,165 | $264 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $435 | $36 | $355–$510 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $630 | $52 | $515–$745 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,710 | $142 | $1,400–$2,020 |
Oklahoma minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Oklahoma
| Model | Full coverage in OK | vs. Mustang |
|---|---|---|
| Chevrolet Camaro | $2,275 | +33% |
| Chevrolet Corvette | $1,405 | −18% |
| Toyota GR86 | $1,905 | +11% |
| Subaru BRZ | $1,595 | −7% |
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Frequently asked questions
How much is Ford Mustang insurance in Oklahoma?
About $1,710 a year ($142 a month) for full coverage and $435 for Oklahoma's minimum liability, for a driver in their 30s with a clean record. That is 8% less than the national estimate for the same car.
Is the Ford Mustang cheaper to insure than the average car in Oklahoma?
The average vehicle in Oklahoma is about $1,440 a year for full coverage in our model, so the Ford Mustang is 19% more expensive than average.
Where in Oklahoma is Ford Mustang insurance cheapest?
Among the largest Oklahoma cities, Durant has the lowest estimate (about $1,690) and Moore the highest (about $1,935).
What insurance do I need for a Ford Mustang in Oklahoma?
Oklahoma requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Oklahoma Insurance Department: Uninsured Motorist
- Oklahoma Insurance Department: A Guide to Dealing with Auto Insurance & Accidents
- Service Oklahoma: Violations, Suspensions & Reinstatements
- Oklahoma Insurance Department: File an Online Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey