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Car Insurance in Oklahoma (Updated May 2024)

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Oklahoma Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Oklahoma however, drivers are paying 9% less for car insurance than the national average, with Full Coverage costing Oklahoma drivers an average of $171 per month

Similar to other states, the rates in Oklahoma can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Oklahoma. Read on to learn more about properly insuring your car in Oklahoma. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Oklahoma Car Insurance Laws

In Oklahoma, car insurance is a legal requirement for all drivers to ensure financial responsibility in the event of an accident. 

Oklahoma’s car insurance minimums

The state mandates minimum liability coverage known as 25/50/25: 

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage

While this is the legal minimum, it's often recommended to carry more comprehensive coverage to better protect against significant financial losses, with a general recommendation being at least: 

  • $100,000 of bodily injury protection per person
  • $300,000 per accident
  • $100,000 of property damage

Proof of Insurance

“ Oklahoma does not specify a grace period for insurance coverage. ” 


Driving without the minimum required insurance can lead to fines of up to $250, up to 30 days in jail, and suspension of driving privileges. Oklahoma does not specify a grace period for insurance coverage when purchasing a new vehicle, indicating the need for immediate coverage to comply with state laws.

Additional Coverage in Oklahoma

Given the state's vulnerability to severe weather, including tornadoes and hailstorms, drivers might consider additional coverage, such as comprehensive and collision insurance, to protect against a wider range of damages beyond accidents. This can help with peace of mind in unpredictable road and weather conditions.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Oklahoma?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Oklahoma?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Oklahoma?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.