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
26%
12%
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?
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?
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?
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?
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
- Ban on hand-held cell phones for drivers with Learner or Intermediate Licenses
- Ban on text messaging for school bus drivers
- Ban on text messaging for drivers with Learner or Intermediate Licenses
Alcohol Related Fatalities
206
Per Year in OklahomaAnnual DUI Arrests
Oklahoma18,980
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat 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 |
