Car Insurance in Oklahoma City

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Joel Ohman
Founder, CFP®

UPDATED: Jun 26, 2017

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Here's what you need to know...
  • Oklahoma is a comparative negligence state which means that the car insurance company evaluates the amount due in an accident
  • Oklahoma requires that all drivers on its roads carry at least a minimum amount of limited liability car insurance
  • Drivers in Oklahoma who do not own a vehicle but still drive must carry non-owner car insurance

If one wishes to be able to drive on Oklahoma City’s roads, he must buy car insurance.

The proof of car insurance must be carried at all times and be made available to police officers or other state officers.

Compare Oklahoma City car insurance quotes by entering your ZIP code!

Oklahoma City Car Insurance Laws


Oklahoma follows the Tort system which means that one of the individuals involved in an accident has to be at fault.

The minimum requirements for car insurance in Oklahoma are as follows:

  • $25,000 for the injury or death of one person in one accident
  • $50,000 for the injury or death of more than one person in one accident
  • $25,000 for any property damaged in an accident

Non-compliance with car insurance laws results in harsh penalties. If one is unable to supply proof of insurance or is charged with not carrying the minimum amount required, then he could end up facing up to $250 in fines, 30 days in jail and even the possibility of having his license and registration suspended.

If the insurance policy is canceled, then one has thirty days to notify the Oklahoma Department of Public Safety of the new policy. Failure to do this can result in the car registration being suspended.

Additionally, the state needs to be notified if there’s a change in the place of residence. Should the department find out that the address is not current, the registration can be suspended.

While uninsured or under-insured policies are not mandatory in Oklahoma, some people do drive without insurance, and if one is in an accident with an individual without insurance then they are protected.

Oklahoma City Car Insurance Companies

Consumers in Oklahoma City have dozens of insurance companies to select from when they are seeking car insurance coverage.

Obviously, finding the right insurer involves more than finding the cheapest insurance provider.

When searching for an insurance provider, it is a good idea to shop around and compare the various options available.

There are some steps that can be taken to reduce the premiums when searching for insurance in the Oklahoma City market.

Every driver should try to maintain a spotless driving record, and if you get a ticket, try to have it expunged from the driving history by attending traffic school.

Having low deductibles is good if you are involved in an accident. However, you need to be sure that you can afford to pay out of pocket.

Remember to ask for any special discounts, as most insurers offer discounts for things like making the car theft proof or insuring a car that has a high government rating for safety.

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Oklahoma City Average Car Insurance Rates

Oklahoma City motorists pay an average of $1,806 for car insurance a year.

This is 0.88 percent less than what insurers pay in some of the neighboring counties, but 18.80 percent more than the average rate in Oklahoma State.

Driving and talking on a cell phone or texting while driving is dangerous and is the cause of a significant number of accidents in Oklahoma City.

Unlike some places, however, there is no statewide ban on the use of cell phones while driving.

Driving under the influence of alcohol is another major cause of accidents, according to Oklahoma City statistics; hence, drivers are prohibited from having open alcohol.

Compare Oklahoma City Car Insurance Quotes


Comparing car insurance rates online is one of the best ways to find the cheapest rates from the best companies.

Once the online search yields two or three promising insurance providers, it is a good idea to see what their financial standing is.

Enter your ZIP below, and start saving today by finding affordable car insurance!

Free Car Insurance Comparison

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