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Oklahoma Auto Insurance

Oklahoma auto insurance laws are fairly straightforward. But that's no guarantee that you've getting the best policy for the premium you pay.

This guide:

Explains Oklahoma car insurance regulations and requirements

Describes how Oklahoma auto insurance rates are decided

Shows you how you can save money by comparing multiple quotes


See How Much You Could Save:


Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Oklahoma.

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Oklahoma auto insurance laws

Oklahoma is a tort state, which means that drivers are financially responsible for the property damage and personal injury they may cause during an auto accident. Liability insurance is required to fulfill this responsibility.

Oklahoma auto insurance laws require liability coverage of 25/50/25. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $25,000 for any damage that you cause to the other driver's car and/or property.)

However, these are only minimums, and higher levels of protection are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injury is involved.

Oklahoma auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.

You may want to consider purchasing any or all of these policies, especially uninsured and underinsured motorist coverages. These help cover the cost of your injuries should you be in an accident with a driver with inadequate liability insurance.

How Oklahoma car insurance rates are set

For better or for worse, the price of Oklahoma auto insurance is decided by the behavior of the state's drivers as a whole. Oklahoma auto insurance companies take the cost of providing insurance for Oklahoma drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, Oklahoma car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.

Of course, not all insurance companies use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote you different rates.

What this means for you, as an Oklahoma driver, is that you need to shop around. It's the fastest easiest way to save on an Oklahoma auto insurance policy.

Fortunately,shopping around is easy to do online.

Where you can get Oklahoma auto insurance quotes



The following web sites will help you find Oklahoma car insurance quotes: (these links will open in a new window)

ComparisonMarket the best online insurance shopping service

Netquote provides you with several quotes directly from local agents, who can help you decide on coverage levels, etc.

Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!

Get quotes in your area, using your ZIP code to find local agents. Enter your ZIP below to get a quote from a local provider:

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To speed things up, you may wish to have some of the information needed for an online quote ready before you begin.

More OK car insurance advice and help

If you want more help designing your OK auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about OK auto insurance laws and regulations, visit the state's official website of the Oklahoma Insurance Department.



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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.