- Car Insurance
- Auto Insurance by State
- Oklahoma Car Insurance
Get an Oklahoma car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Oklahoma
Oklahoma drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programOklahoma minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in Oklahoma. To drive legally, you need to have at least the following coverage amounts and minimums in Oklahoma.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
Check out the Oklahoma Insurance Department for more details.
Average cost of car insurance in Oklahoma, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Oklahoma is about $1,848 per year.
Drivers in Oklahoma will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What liability insurance is required in Oklahoma?
Oklahoma law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
You may see this written as 25/50/25.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Is Uninsured Motorist Coverage required in Oklahoma?
No, but it's still important. Uninsured/Underinsured Motorist Coverage (UM/UIM) can help protect you if you're in an accident with an uninsured or underinsured driver.
According to the Oklahoma Insurance Department, "Oklahoma's percentage of uninsured motorists is among the highest in the nation." So, whether you're in OKC or another city, it could help give you more protection. Please note, in OK, drivers have to opt-out of UM/UIM in writing.
Who offers cheap car insurance in Oklahoma?
Finding the cheapest car insurance in Oklahoma may sound great, but a low-cost policy may not pay out when you need it.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate