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Car Insurance in Oklahoma

Here's what you need to know...
  • Oklahoma requires all registered drivers to carry at least liability insurance before operating vehicles
  • The state minimum requirements may not be adequate coverage so make sure you know all your options
  • Research several car insurance companies to find the best deal on your insurance policy
It’s important to know the Oklahoma car insurance requirements so that you can be both a safe and protected driver.

Each state has different requirements for what it takes to be legally insured, and Oklahoma is no different. It’s important that you become familiar with the car insurance requirements of this state so that you can begin your research for a new auto insurance provider if necessary.

Read on to learn all about Oklahoma auto insurance coverage and then start comparing free Oklahoma car insurance quotes online!

Minimum Requirements for Oklahoma Car Insurance


Oklahoma is similar to many states in that it requires all registered drivers to carry at least a liability insurance policy in order to legally operate their vehicles on the highways and roadways.

No matter which insurance company you choose to work with, you’re going to have to choose between different sized policies.

The minimum amount of liability insurance required in Oklahoma is as follows:

  • $25,000 for medical expenses accumulated by an individual driver
  • $50,000 for medical expenses accumulated by additional occupants in the vehicle
  • $25,000 for repairs to public and private property, including the vehicle of the victim

These are higher levels of Oklahoma auto liability insurance than are required by many other states. If you’re coming to Oklahoma from another state, you might have to prepare yourself for an increase in liability premiums.

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Additional Oklahoma Coverage to Consider

If you are operating on a strict car insurance budget, you might be wondering if the minimum levels of liability coverage are all you need.

While it’s true that the levels above are all that are required by Oklahoma state law, it’s important to point out that they will not offer you any compensation in the event that your car is damaged or you are injured in an accident.

Liability provides compensation to the other driver only.

If you are able to afford it, you might want to consider augmenting your liability insurance policy with other types of coverage that will offer you compensation in the event that you’re involved in an accident that injures you or damages your car.

Some of the most popular types of Oklahoma car insurance are:

  • Collision/comprehensive – covers the costs of repairs to your car (up to the Blue Book value)
  • GAP insurance – covers the difference between the value of the car and the amount that you still owe on the car loan
  • Uninsured/underinsured motorist insurance – covers damages and injuries that are inflicted by a driver with insufficient insurance coverage

Finding Car Insurance Rates

Compare quotes from many Oklahoma auto insurance companies. Simply enter your zip to start now!

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