Cheapest Liability Car Insurance in Oklahoma (2026)
Oklahoma drivers can find the cheapest liability-only car insurance from State Farm, with an average rate of $39 per month.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Timothy MoorePersonal Finance and Insurance Freelance Writer
Writer: Timothy MoorePersonal Finance and Insurance Freelance Writer
Qualifications:
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
)
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
)
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
What is liability car insurance?
Liability car insurance is the most basic form of auto insurance. It covers bodily injuries and property damage to people outside your vehicle when you cause an accident. This includes other drivers and their passengers, as well as pedestrians and property owners.
Oklahoma requires drivers to carry a minimum amount of liability insurance. This helps pay for third-party medical expenses and vehicle repair costs after an at-fault car accident.
Your liability insurance doesn’t cover your own injuries and repair costs when you cause an accident, though. Full-coverage car insurance offers additional protection, regardless of fault.
A full-coverage policy in Oklahoma typically includes comprehensive and collision coverage, which pays for your vehicle repairs. It may also include medical payments (MedPay) coverage, as well as uninsured/underinsured motorist (UM/UIM) coverage.
Cheapest liability car insurance in Oklahoma
The average cost of car insurance in Oklahoma is $83 per month for liability-only coverage and $169 for full coverage.
The table below shows the cheapest auto insurance quotes for liability-only coverage in Oklahoma. Your rate may vary depending on factors such as your driving record, age, credit history, and ZIP code.
The below rates in Oklahoma are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $39 |
| USAA | $49 |
| Progressive | $56 |
| Mercury | $61 |
| The General | $65 |
| National General | $66 |
| AssuranceAmerica | $75 |
| Safeco | $76 |
| GEICO | $79 |
| Bristol West | $81 |
| Farmers | $83 |
| Root | $89 |
| GAINSCO | $94 |
| Direct Auto | $103 |
| Allstate | $105 |
| Shelter | $116 |
| CSAA | $130 |
| Liberty Mutual | $135 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
Minimum liability car insurance requirements in Oklahoma
Oklahoma requires drivers to carry a minimum amount of bodily injury liability and property damage liability coverage.
Bodily injury liability pays for third-party medical expenses if you cause a crash. Property damage liability pays for third-party vehicle repairs, as well as damage you cause to public and private property, such as fences, mailboxes, and guardrails.
Oklahoma’s minimum car insurance requirements include the following coverages and minimum coverage limits:[1]
Type of Liability Insurance | Minimum Coverage Limit |
|---|---|
| Bodily injury per person | $25,000 |
| Bodily injury per accident | $50,000 |
| Property damage per accident | $25,000 |
Insurers typically refer to these liability-only car insurance coverage limits as 25/50/25.
Unlike a full-coverage policy, liability insurance won’t pay for damage to your vehicle or medical expenses for you or your passengers.
Shop for Car Insurance in Oklahoma
Insurify partners with 120+ top companies to help you see the most quotes
Excellent
4.7 out of 5 based on 17,809 reviews
Secure. Free. Easy-to-use.
Is minimum liability coverage enough in Oklahoma?
State-minimum car insurance might not be enough, according to the Oklahoma Insurance Department (OID).[2]
If you cause a crash, medical and repair costs could easily exceed the state-minimum coverage policy limits. In that case, you’d be on the hook for the additional costs.
Instead, the OID encourages drivers to consider liability insurance with higher limits of 100/300/100.
Liability insurance doesn’t cover your repair or medical costs. Consider adding the following:
Collision coverage: Oklahoma drivers average 9,391 miles per year, according to Insurify data. More time on the road increases the risk of collisions, especially if you live in densely populated cities like Oklahoma City or Tulsa. Collision coverage pays to repair your vehicle after an accident.
Comprehensive coverage: Oklahoma is located in Tornado Alley, which means vehicles face a greater risk of wind and hail damage.[3] Comprehensive coverage pays to repair weather-related damage.
MedPay: From 2020 to 2026, Oklahoma reported an average of 12,777 traffic injuries per year.[4] Medical payments coverage can help pay for medical bills and funeral expenses.
UM/UIM coverage: Up to 26% of drivers on Oklahoma roadways are uninsured.[5] UM/UIM coverage can help protect you if you’re involved in an accident with a driver who lacks sufficient insurance.
Penalties for driving without liability insurance in Oklahoma
Driving without car insurance in Oklahoma is a misdemeanor. If an officer pulls you over and you don’t have proof of insurance, you face a fine of up to $250, up to 30 days in prison, or both.
In addition, the state may tow your vehicle and suspend your license.
To reinstate your license, you’ll need to obtain Oklahoma car insurance that meets the state’s liability requirements. You’ll also have to pay a $75 processing fee and a $200 special-assessment trauma-care fee, which the state deposits into the Trauma Care Assistance Revolving Fund.
Compare Quotes in Oklahoma to Unlock Lower Premiums
Insurify partners with 120+ top insurers for real-time quotes
Excellent
4.7 out of 5 based on 17,809 reviews
Secure. Free. Easy-to-use.
How to find cheap liability car insurance in Oklahoma
You can find cheap liability car insurance in Oklahoma by:
Regularly shopping for a policy: Each time your policy is up for renewal, check prices. You can use an online insurance marketplace to compare policies from multiple insurers, or ask an independent insurance agent for pricing. To ensure you’re getting the most accurate rate, be sure to compare policies that have the same coverages, coverage limits, and deductibles.
Taking an approved accident prevention course: Oklahoma law requires insurers to provide a car insurance discount if you voluntarily complete an approved accident-prevention course.[6]
Bundling home insurance and auto insurance: Insurance companies often provide a discount if you bundle policies together, like your homeowners insurance with your car insurance. You can also typically bundle car insurance with renters insurance or condo insurance for a similar discount.
Liability car insurance in Oklahoma FAQs
See the answers to frequently asked questions below to learn more about liability car insurance in Oklahoma and how to find the best insurance for you.
How much is DUI insurance in Oklahoma?
The average monthly cost of insurance for drivers who have been convicted of driving under the influence (DUI) in Oklahoma is $158. Roughly .58% of drivers in Oklahoma have a DUI, according to Insurify data.
What’s the cheapest full-coverage car insurance in Oklahoma?
The cheapest full-coverage car insurance in Oklahoma is a policy from State Farm. State Farm’s average monthly rate is $85.
Which company has the cheapest car insurance in Oklahoma?
State Farm has the cheapest liability-only car insurance in Oklahoma, averaging $39 per month.
Your price depends on several factors. Teen drivers pay the most of all age groups, while high-risk drivers with speeding tickets or at-fault accidents typically have higher rates. Insurers may also charge higher premiums to drivers with bad credit.
What are the minimum liability car insurance requirements in Oklahoma?
Oklahoma’s minimum liability insurance requirements include $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage per accident.
Sources
- Oklahoma Insurance Department. "A Guide to Dealing With Auto Insurance & Accidents."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Oklahoma Department of Emergency Management. "Oklahoma: Tornado Capital of the World."
- TRIP: A National Transportation Research Nonprofit. "Getting Home Safely: Examining Traffic Safety in Oklahoma & Further Steps Needed to Improve Traffic Safety in the Sooner State."
- UVED. "Oklahoma Uninsured Vehicle Enforcement Diversion Program."
- Oklahoma Insurance Department. "Choosing Your Automobile Insurance Policy."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Related articles
)
Best Car Insurance in Oklahoma
State Farm, Progressive, and GEICO are some of the best car insurance companies in Oklahoma.
)
Car Insurance Discounts in Oklahoma
Oklahoma drivers can save money on their car insurance with various discounts. The state also requires insurers to offer a discount to drivers who complete an accident prevention course.
)
Gap Insurance in Oklahoma
Gap insurance in Oklahoma is worth it for many people who finance or lease their vehicles.
SR-22 Insurance in Oklahoma: Cost, Requirements, and Cheapest Companies
SR-22 insurance isn’t a requirement in Oklahoma, but drivers still need to carry the minimum amount of insurance.
Car Insurance Requirements in Oklahoma
Oklahoma drivers must carry $25,000 in bodily injury liability per person and $50,000 per accident, as well as $25,000 in property damage liability.
How Much Is Car Insurance in Oklahoma?
Drivers in Oklahoma pay an average of $1,514 per year for car insurance.
)
Cheap Car Insurance for Low-Income Drivers in Oklahoma
State Farm has the cheapest liability car insurance in Oklahoma, with an average rate of $39 per month.
Cheap Full-Coverage Car Insurance in Oklahoma
Oklahoma drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $85 per month.
)
Non-Owner Car Insurance in Oklahoma
Non-owner car insurance helps Oklahoma drivers without a vehicle meet the state’s minimum liability requirements.
Oklahoma Car Insurance Laws
Oklahoma law requires drivers to carry bodily injury and property damage liability insurance.
Cheapest Car Insurance Quotes in Oklahoma
State Farm is the cheapest insurer in Oklahoma, on average, with liability policies averaging $39 per month.
)
Cheapest Auto Insurance in Ardmore, Oklahoma
The cheapest liability-only rate in Ardmore is $35, offered by State Farm.
Cheapest Auto Insurance in Bartlesville, Oklahoma
State Farm is the cheapest car insurance company in Bartlesville, with monthly liability rates as low as $30.
)
Cheapest Auto Insurance in Enid, Oklahoma
State Farm offers the cheapest car insurance in Enid, with minimum-coverage policies as low as $31 per month.
)
Cheapest Auto Insurance in Lawton, Oklahoma
State Farm offers the cheapest car insurance in Lawton, with minimum-coverage policies as low as $37 per month.
)
Cheapest Auto Insurance in Muskogee, Oklahoma
State Farm is the cheapest liability car insurance company in Muskogee, with premiums starting at $33 per month.
)
Cheapest Auto Insurance in Norman, Oklahoma
State Farm is the cheapest car insurance company in Norman, with a liability car insurance rate of $38 per month.
Cheapest Car Insurance Quotes in Oklahoma City (October 2026)
The cheapest car insurance company in Oklahoma City is State Farm, with an average rate of $44 per month for a liability-only policy. Rates in OKC are higher than elsewhere in the state because of the city’s poor road conditions, heavy highway through traffic, and high vehicle theft rate.
Cheapest Auto Insurance in Ponca City, Oklahoma
State Farm is the cheapest car insurance company in Ponca City, with a liability rate of $31 per month.
)
Best Cheap Auto Insurance in Stillwater, Oklahoma
State Farm offers the cheapest rates in Stillwater for $33 per month.
Cheapest Car Insurance Quotes in Tulsa, Oklahoma (October 2026)
State Farm has the cheapest auto insurance rates in Tulsa, with liability coverage averaging $40 per month. Above-average vehicle theft rates and severe weather risks contribute to higher premiums in Tulsa.
Writer: Timothy MoorePersonal Finance and Insurance Freelance Writer
Writer: Timothy MoorePersonal Finance and Insurance Freelance Writer
Qualifications:
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Timothy has covered the insurance market for 15 years. He‘s also the editorial director of a niche travel magazine.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.