Oklahoma Car Insurance

Compare rates from 13 car insurance companies in Oklahoma.

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Here's what you need to know when driving in Oklahoma

Across the Sooner State, there are 235,004 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Oklahoma

In Oklahoma, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Oklahoma (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury

Liability coverage is legally required in Oklahoma and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Oklahoma, the minimum is listed as 25/50/25 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Oklahoma but higher coverage amounts are available with most companies.

Top Oklahoma Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Oklahoma?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Oklahoma you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Oklahoma?

Uninsured Drivers in Oklahoma




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Oklahoma cities?

Rank City Avg. Annual Premium
1 Tulsa $2,237
2 Del City $2,199
3 Bixby $2,191
4 Sand Springs $2,183
5 Bethany $2,179
6 Broken Arrow $2,173
7 Midwest City $2,162
8 Oklahoma City $2,156
9 Sapulpa $2,123
10 Moore $2,111
11 Owasso $2,106
12 Edmond $2,084
13 Norman $2,054
14 Yukon $2,035
15 Claremore $2,028
16 Shawnee $2,008
17 Bartlesville $1,961
18 Stillwater $1,950
19 Ponca City $1,937
20 Muskogee $1,924
21 Enid $1,923
22 Ardmore $1,917
23 Duncan $1,904
24 Lawton $1,903
25 Altus $1,857

Recent Oklahoma Car Insurance Questions and Answers

Can someone file a claim if it’s been 4 days and there are no pictures from the accident?

Feb 23, 2018

I rear ended someone 4 days ago and when we both looked at our vehicles we realized that there was ...

If I hit my own car with a vehicle I was borrowing, should I pay for the damage out of pocket?

Aug 16, 2017

I was driving a relatives car to the store during a birthday celebration at my house. When I returned home ...

Will I be able to get a new car after an accident?

May 17, 2017

I was involved in an accident yesterday where my vehicle was totaled. I do have full coverage and I have ...

Do I have to keep insurance on my truck it is is only driven on the farm?

Mar 01, 2017

I have a truck that never leaves my property in Oklahoma. It’s used to haul feed and supplies for ...

Driving Laws

Oklahoma Texting and Driving Laws

  1. Ban on hand-held cell phones for drivers with Learner or Intermediate Licenses
  2. Ban on text messaging for school bus drivers
  3. Ban on text messaging for drivers with Learner or Intermediate Licenses
Alcohol Related Fatalities


Per Year in Oklahoma
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Oklahoma!

Dang! Oklahoma is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Oklahoma might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Oklahoma?
Rank Company Name Avg. Annual Premium
1 USAA $1,173
2 Oklahoma Farmers Union $1,178
3 The Hartford $1,346
4 GEICO $1,367
5 Safe Auto $1,391
6 Farmers $1,408
7 State Farm $1,552
8 Liberty Mutual $1,834
9 Travelers $1,887
10 Mercury $2,013
11 OK Farm Bureau $2,038
12 Shelter $2,151
13 Home State $2,171
14 MetLife $2,191
15 Progressive $2,201
16 Allstate $2,424
17 Safeco $5,107
Additional Resources:

Oklahoma Car Insurance

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Oklahoma Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Oklahoma area, while also getting an insider view of the Sooner State.

Click here to learn more.


So, Oklahoma students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2018.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2019.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.