Oklahoma Auto Insurance Guide
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Oklahoma Minimum Auto Insurance Requirements
Oklahoma drivers must carry auto insurance; it is required by state law. If you are pulled over by law enforcement in OK, you will be asked to present your insurance information to the officer.
Failure to maintain a basic liability policy in Oklahoma can result in expensive fines, and driver license suspension. If you have insurance but cannot provide immediate proof, you might get a ticket.
You may hear Oklahoma’s minimum auto insurance requirements described as “25/40/25.” That means OK drivers must have at least:
- Bodily injury liability coverage: $25,000 per person, up to $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury coverage: $25,000 per person, up to $50,000 per accident
Of course, there are other types of insurance available in Oklahoma. Collision and comprehensive coverage are not required by any state law. Still, your lienholder may require that you carry them while you are making payments on your car.
Key Takeaways
Oklahoma requires drivers to have liability insurance to drive a vehicle legally on public roads. When seeking insurance quotes in OK, every policy sold must supply the “25/50/25” coverage, described above. Many policies offer more protection, and you may feel more comfortable buying more insurance.
Introduction to Oklahoma Auto Insurance Requirements
Oklahoma’s minimum auto insurance requirements are published by the DMV and may be updated from time to time. The purpose of minimum liability policies is to protect you, financially, from damage or injuries you may cause to others. It does not pay for repairs to your vehicle after an accident, but it will pay for things like medical expenses and auto repairs for others.
Oklahoma Auto Insurance Coverage Descriptions
Many OK drivers choose to buy more insurance than the minimum liability coverage required by the state. And your lienholder — the bank or credit union to which you make a monthly car payment— may require you to carry more insurance.
In Oklahoma, it’s common to see auto insurance policies described as “new car insurance” or “premium insurance packages.” These policies will always include the basic liability coverage, plus more.
Your OK auto insurance policy could include:
- Full coverage. It covers your vehicle for issues like garage fires, theft, storm damage, fallen tree limbs, hail, and so on. It is not required by law, but your lienholder will probably require you to have it.
- Collision coverage. It pays for damage caused by a collision with other vehicles, structures, walls, fences, and the like.
- Other endorsements, also called “riders.” These extra coverages include roadside aid, rental car coverage, and low glass deductibles for windshield replacement.
No Oklahoma laws require that you maintain these coverages, but many drivers feel more comfortable buying some or all of them. For instance, if your family has access to only one commuter vehicle, you will likely appreciate rental car coverage, which would help to pay for a rental car while your vehicle is repaired after an accident.
OK Minimum Auto Insurance Requirements
Auto insurance laws exist to protect you and other Oklahoma drivers from financial disaster. Each type of coverage is explained below.
Bodily Injury Liability Coverage: $25,000 per person, up to $50,000 per accident
Auto accidents can cause major injuries to other parties. This coverage helps to pay for their medical costs. It does not cover your injuries, however. For that, you’ll rely on your own health insurance.
Property Damage Liability: $25,000 per accident
Accidents can also cause significant damage to other peoples’ property. If you cause an accident, this coverage will pay for things like:
- Auto repairs
- Structure repairs (if your vehicle damages a home, garage or storefront)
- Repairs to walls, fences, and so on
Uninsured Motorist Bodily Injury Coverage
This portion of your auto insurance will pay for injuries to yourself, your family and your passengers if you’re in an accident caused by an uninsured driver.
Note that none of the coverages above will pay for repairs to your vehicle. For that, you’d need collision coverage.
New Driving Laws in Oklahoma
As of November 1, 2023, 14-year-old drivers will be able to get a driving permit which allows them to drive only to work and home. Note that use of cell phones while driving is strictly prohibited.
Penalties for Failure to Carry Oklahoma Auto Insurance
Failure to carry auto insurance in OK can lead to expensive fines, driver’s license suspension, and even jail time.
The more times one is caught driving without insurance, the more extreme the penalties become.
The first time you’re caught driving without insurance in Oklahoma, you can get a fine of $250. Depending on the situation, a judge can also send you to jail for up to 30 days. This is not common for first time offenders, but it could happen. Jail time is usually reserved for repeat offenders.
How to Get the Best Prices on Oklahoma Auto Insurance
Insurers tend to attract new business with very low rates, and then creep up their prices slowly over time. You’ve probably noticed that your auto insurance contract costs increase every year or so, by a few bucks. This is not your imagination.
The best way to get a good price on OK auto insurance is to shop around every few years. Contact as many insurers as you like and explain that you’re shopping for a better price. The internet has made it easier than ever to get car insurance quotes, and we invite you to try our online quoting tool to find cheap car insurance quotes.
Read More: 8 Simple Ways to Save You 90% On Your Car Insurance
Oklahoma State Auto Insurance Premiums
Insurance companies consider many facts about every vehicle and every driver they insure. And be aware, they share this data with other companies.
Know that in OK, it is legal for insurers to consider your credit score when quoting insurance. (This is not true of all states.)
They may consider your:
- Age
- Gender
- Driving experience
- Marital status
- Driving record
- Vehicle value and age
- Purpose of vehicle (commuting, pleasure, agricultural work, etc.)
- Claims history
- Claims costs of vehicles of this make and model
- Zip code and garage location
OK Auto Insurance Rates by Carrier
Many insurance companies do business in Oklahoma. We’ve scoured the internet for good prices, but remember, every insurer will consider the facts listed above. The table below includes the most affordable liability-only policies we could find.
| Insurance Company | Monthly Premium for Liability-Only Policy |
| State Farm | $23 |
| Progressive | $31 |
| Farm Bureau | $47 |
| USAA | $20 |
Oklahoma Auto Insurance Frequently Asked Questions
Our licensed insurance agents answer many of the same questions every day, about Oklahoma auto insurance. We’ve answered them below for your convenience, as well.
Is auto insurance required by law in Oklahoma?
Absolutely. OK drivers must carry a liability-only policy to drive legally in the state. You should always keep proof of insurance in the vehicle, too.
Which insurance companies are most affordable in OK?
Our research suggests that USAA and State Farm supply the cheapest minimum liability policies for safe drivers. However, insurance companies can change their rates as they see fit or change their target market. The best way to find affordable auto insurance in Oklahoma is to shop around every few years.
Oklahoma Regulating Agencies and References
Oklahoma Auto Insurance Department
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