Estimates, not quotes

Honda Civic Insurance Cost in Oklahoma

Insuring a Honda Civic in Oklahoma costs about $1,580 a year ($132/month) for full coverage by our estimate — −12% versus the same car nationally — the 24th most expensive of 51 states for this model.

Honda Civic (photo from Wikimedia Commons)
Photo: M 93, CC BY-SA 3.0 de
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Honda Civic insurance in Oklahoma at a glance

Full coverage
$1,580
$1,295–$1,865
25/50/25 minimum
$560
$47/mo
Same car nationally
$1,790
full coverage
Avg. car in OK
$1,440
+10% for the Civic

The Honda Civic is 10% more expensive than the average vehicle to insure in Oklahoma, reflecting HLDI collision losses of 121 and comprehensive losses of 88 (100 = average). Oklahoma's own base rates are 15% lower than the national average, which carries through to every model.

Oklahoma factors that affect Civic premiums

  • Uninsured drivers: 12.0% of Oklahoma drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Civic.
  • Theft: 195 vehicle thefts per 100,000 residents (U.S. 197); the Civic is #5 on the national most-stolen list.
  • 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).

Car insurance rules and costs in Oklahoma →

Honda Civic insurance cost in Oklahoma cities

CityFull coverageMinimumvs. state
Oklahoma City$1,695$605+7%
Tulsa$1,700$605+8%
Norman$1,655$590+5%
Broken Arrow$1,740$620+10%
Edmond$1,715$610+9%
Lawton$1,595$570+1%
Moore$1,790$635+13%
Midwest City$1,775$630+12%
Durant$1,565$560−1%

Honda Civic insurance in Oklahoma by driver

Estimated annual Honda Civic premium in Oklahoma
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,545 $2,240 $4,345 $362
Young adult (22) $900 $1,305 $2,530 $211
Adult in their 30s $560 $815 $1,580 $132
Adult in their 50s $515 $750 $1,455 $121
Senior (72) $630 $915 $1,770 $148
30s, one at-fault accident $815 $1,180 $2,290 $191
30s, DUI on record $1,040 $1,505 $2,925 $244

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $560 $47 $460–$665
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $815 $68 $670–$960
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,580 $132 $1,295–$1,865

Oklahoma minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Oklahoma

ModelFull coverage in OKvs. Civic
Toyota Corolla$1,515−4%
Kia Forte$1,830+16%
Toyota Prius$1,455−8%
Hyundai Elantra$1,740+10%

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Estimated annual premium
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Honda Civic insurance cost in every state · All Honda models

Frequently asked questions

How much is Honda Civic insurance in Oklahoma?

About $1,580 a year ($132 a month) for full coverage and $560 for Oklahoma's minimum liability, for a driver in their 30s with a clean record. That is 12% less than the national estimate for the same car.

Is the Honda Civic 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 Honda Civic is 10% more expensive than average.

Where in Oklahoma is Honda Civic insurance cheapest?

Among the largest Oklahoma cities, Durant has the lowest estimate (about $1,565) and Moore the highest (about $1,790).

What insurance do I need for a Honda Civic 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.

Sources used on this page