Lexus CT Insurance Cost in Oklahoma

Insuring a Lexus CT in Oklahoma costs about $1,225 a year ($102/month) for full coverage by our estimate — −12% versus the same car nationally — the 25th most expensive of 51 states for this model.

Lexus CT (photo from Wikimedia Commons) — Photo: Vauxford, CC BY-SA 4.0

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

Lexus CT insurance in Oklahoma at a glance

Full coverage

$1,225

$1,005–$1,445

25/50/25 minimum

$460

$39/mo

Same car nationally

$1,395

full coverage

Avg. car in OK

$1,440

−15% for the CT

The Lexus CT is 15% cheaper than the average vehicle to insure in Oklahoma. Oklahoma's own base rates are 15% lower than the national average, which carries through to every model.

Oklahoma factors that affect CT premiums

Uninsured drivers: 12.0% of Oklahoma drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your CT.
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).

Car insurance rules and costs in Oklahoma →

Lexus CT insurance cost in Oklahoma cities

City	Full coverage	Minimum	vs. state
Oklahoma City	$1,315	$495	+7%
Tulsa	$1,320	$495	+8%
Norman	$1,285	$485	+5%
Broken Arrow	$1,350	$510	+10%
Edmond	$1,330	$500	+9%
Lawton	$1,240	$465	+1%
Moore	$1,390	$525	+13%
Midwest City	$1,375	$520	+12%
Durant	$1,215	$460	−1%

Lexus CT insurance in Oklahoma by driver

Estimated annual Lexus CT premium in Oklahoma
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,270	$1,845	$3,370	$281
Young adult (22)	$740	$1,070	$1,960	$163
Adult in their 30s	$460	$670	$1,225	$102
Adult in their 50s	$425	$615	$1,130	$94
Senior (72)	$520	$750	$1,375	$115
30s, one at-fault accident	$670	$970	$1,780	$148
30s, DUI on record	$855	$1,240	$2,270	$189

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
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.	$460	$39	$380–$545
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$670	$56	$550–$790
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,225	$102	$1,005–$1,445

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. CT
Jaguar XJ	$1,680	+37%
Infiniti G37	$1,680	+37%
Lincoln MKZ	$1,660	+36%
Lexus IS	$1,770	+44%

Estimate your CT premium by ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Lexus CT insurance cost in every state · All Lexus models

Frequently asked questions

How much is Lexus CT insurance in Oklahoma?

About $1,225 a year ($102 a month) for full coverage and $460 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 Lexus CT 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 Lexus CT is 15% cheaper than average.

Where in Oklahoma is Lexus CT insurance cheapest?

Among the largest Oklahoma cities, Durant has the lowest estimate (about $1,215) and Moore the highest (about $1,390).

What insurance do I need for a Lexus CT 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