Car Insurance Requirements in Oklahoma (2024)

If you live in the Sooner State, you must purchase both bodily injury liability and property damage liability coverage to drive legally. The minimum liability limits amount to 25/50/25.

Oklahoma drivers may also buy more insurance, such as collision and comprehensive coverages, for added financial protection. Regardless of what coverage you need, you should always compare car insurance quotes from multiple insurers before buying a policy.

Find Cheap Car Insurance in Oklahoma

Rates start as low as $33 per month for liability coverage

Código postalView My Quotes

Seguro. Gratis. Fácil de usar.

Basado en más de 3806 reseñas

4.8/5

Oklahoma car insurance requirements

Oklahoma law requires drivers to maintain the following minimum limits of liability insurance:

• $25,000 in bodily injury liability per person

• $50,000 in bodily injury liability per accident

• $25,000 in property damage liability^[1]

You must have proof of insurance when registering your motor vehicle, and you may face penalties if you drive without proper coverage.^{[2] [3] [4]}

Bodily injury liability

Driving a car comes with risk. Bodily injury liability insurance protects you if you cause a car accident and injure another driver. It pays for costs related to injury or death, but only for the other party.

Oklahoma car insurance mandates that drivers carry a minimum of $25,000 in bodily injury for one person and $50,000 per accident.^[1] While this will keep you in good standing with the law, it may be woefully insufficient if you’re in a serious accident. Consider carrying higher limits to protect your finances more thoroughly.

Property damage liability

The other half of liability insurance coverage is property damage liability, which covers any damages you may cause to another’s property if you’re at fault.

If you damage another car in an accident, this coverage pays for the repair costs. While this type of insurance helps safeguard your financial liability, it doesn’t help cover any costs for your vehicle damage.

Like bodily injury coverage, Oklahoma’s minimum required limits are generally not enough — consider securing higher limits.^[5]

Oklahoma Automobile Insurance Plan

• 

  Many drivers can find auto insurance coverage through traditional car insurance companies. However, some high-risk drivers with multiple offenses may have difficulty getting approved for an insurance policy.

  Drivers who have trouble securing a car insurance policy may be able to get coverage through the Oklahoma Automobile Insurance Plan. These rates are typically higher and less flexible, but it’s better than not having any coverage. You can call 1 (405) 842-0844 to learn about options.^[6]

Do you need more than the state-minimum coverage in Oklahoma?

It can be beneficial to get higher coverage limits than the minimum. Car accidents often result in very expensive vehicle damages, and medical bills can pile up alarmingly fast. Higher limits mean you’ll pay more each month, but you could save thousands of dollars in the event of an accident.

Drivers aren’t required to have more than the state-minimum coverage in Oklahoma. But some high-risk drivers may need more, and if you have a loan on your car, your lender will likely require you to carry full-coverage car insurance.

Full-coverage car insurance offers more advantages and protects you in various additional scenarios. These policies include comprehensive coverage and collision coverage along with the standard liability coverages. These protect against collisions and damage from weather and other unpredictable sources.

The cost of liability-only car insurance in Oklahoma

The average cost of liability-only car insurance in Oklahoma is $90, according to Insurify data. If you’re looking for car insurance in Oklahoma, here are average quotes for liability insurance from multiple insurance companies.

The cost of full-coverage car insurance in Oklahoma

Full-coverage car insurance includes additional coverage types, mainly collision and comprehensive. Since it covers more than liability coverage, it’s typically more expensive.

The average cost of full-coverage car insurance in Oklahoma is $202 per month. 

Below, you can see average monthly quotes for full-coverage car insurance in Oklahoma from different insurance companies.

Shop for Car Insurance in Oklahoma

Monthly liability rates start at $33

Código postalGet My Quotes

Seguro. Gratis. Fácil de usar.

Basado en más de 3806 reseñas

4.8/5

Penalties for driving without proof of insurance in Oklahoma

If you drive in Oklahoma without proof of insurance, you could face a number of consequences, including:

• A fine: As part of the penalty for driving without insurance, you could pay a fine of up to $250.

• Suspension: On top of that, you may have your driver’s license and registration suspended.

• Jail: On a more serious note, you could end up with jail time of up to 30 days for driving without insurance in Oklahoma.^[3]

Optional car insurance coverages to consider

While Oklahoma drivers must obtain the necessary liability coverage, they have many additional coverage options to consider. Here are some optional car insurance coverages you can add to your policy to strengthen your protection:

• 

  Collision coverage

  Collision coverage pays for damages in any type of collision, whether it’s with a vehicle or another object.

• 

  Comprehensive coverage

  Comprehensive coverage pays for non-collision damages related to incidents such as floods, vandalism, theft, and more.

• 

  Medical payments coverage

  Medical payments coverage pays for medical expenses if you’re involved in a car accident and require care.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage helps pay for medical bills if you’re injured in an accident caused by a driver with zero or insufficient insurance coverage.^[5]

Oklahoma car insurance requirements FAQs