What is the average cost of Honda Accord insurance in Oklahoma?
Owners of a 2019 Honda Accord in Oklahoma pay $2,500 to $3,600 per year for full coverage insurance. This equals $208 to $300 per month. According to Insuranceopedia's 2025 analysis adjusted for 2026 trends, the average hits $2,491 for base full coverage in OK (Source: Insuranceopedia Honda Accord Report, 2025). Insure.com pegs a Honda Accord LX at $2,516 yearly in Oklahoma (Source: Insure.com Oklahoma Calculator, 2026).
Here's what you need to know:
- Location matters: In ZIP 74063 (Sand Springs area), expect rates 5-10% above state average due to urban risks. Sidekick data from 1,200 verified 2019 Accord owners confirms this range.
- Coverage types break down costs:
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Minimum Liability | $1,000-$1,500 | $83-$125 |
| Full Coverage | $2,500-$3,600 | $208-$300 |
"Oklahoma drivers face higher premiums due to weather risks and theft rates," says the Sidekick Research Team, based on analysis of 1,800 vehicle records (Source: Sidekick Insurance Study, February 2026).
Cheapest Insurers for 2019 Honda Accord in Oklahoma
Shop these providers for the best deals on your 2019 Accord:
| Company | Annual Full Coverage | Savings vs Average |
|---|---|---|
| Travelers | $2,180 | 13% |
| Auto-Owners | $2,345 | 6% |
| State Farm | $2,650 | -6% (average) |
| GEICO | $2,300 | 8% |
| Progressive | $2,400 | 4% |
Rates come from 2025-2026 data for clean-record drivers age 40 (Source: Insuranceopedia & NAIC OK Rates, 2025). Your rate drops with good credit, low miles, or bundling home insurance.
Factors That Change Your 2019 Honda Accord Rate in OK
Your exact cost depends on these:
- Driving record: One ticket adds $500/year.
- Age and credit: Under 25? Add 40%.
- Mileage: Over 12,000 miles/year raises rates 15%.
- Deductible: $1,000 deductible saves $400/year vs $500.
"Switching carriers saves Accord owners $650/year on average," says the Sidekick Research Team, based on 950 Oklahoma switches (Source: Sidekick Owner Data, 2026).
3 Steps to Cut Your Costs Now
- Get 3+ quotes online in 15 minutes.
- Raise deductible to $1,000 if you have savings.
- Bundle with home or renters for 20% off.
Sidekick tracks your full ownership costs, including insurance. Enter your 2019 Accord and 74063 ZIP to see your personalized score and savings tips. Updated monthly with real owner data.