Cheap Car Insurance in Oklahoma

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Oklahoma average car insurance premiums

Required car insurance in Oklahoma

Oklahoma requires only one type of auto insurance: Liability. But many drivers need more coverage in case there's an accident.

Oklahoma required car insurance

Other auto insurance

Medical payments (MedPay): For medical or funeral expenses for you and your passengers from a crash, no matter who was at fault.

Comprehensive coverage: For theft of your vehicle or damage caused by hail, flood, fire, vandalism, falling objects, explosions and hitting an animal.

Collision coverage: For damage to your vehicle caused by hitting another car or an object, like a tree.

Rental reimbursement: For a rental car if your vehicle is being repaired due to an accident.

You must show an insurance ID card (or other proof of financial responsibility) when:

  • Law enforcement requests it
  • You renew vehicle registration.

Penalty for not having car insurance in Oklahoma

Failure to comply with Oklahoma's compulsory insurance law or failure to show a security verification form is a misdemeanor. This is punishable by a fine of not more than $250 and/or no more than 30 days in jail. There is suspension of driving privileges until payment of a reinstatement fee and proof of security is furnished. If you can comply with state law through the online verification system, there's no violation and no citation issued.

Source: Property Casualty Insurers Association of America

Updated Sept. 3, 2019

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