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 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
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Is Oklahoma a no-fault state?
One challenge in Oklahoma is that about one in four drivers is uninsured, giving the state one of the highest uninsured driver rates in the country. If you're hit by an uninsured driver, there may be no liability policy available to cover your losses.
That's one reason many Oklahoma drivers choose to carry Uninsured/Underinsured Motorist Coverage. While it's optional, insurers are required to offer it, and you must reject it in writing if you don't want it.
Medical Payments Coverage (MedPay) is another optional coverage worth considering because it can help pay medical expenses for you and your passengers, regardless of who caused the accident.
Oklahoma car insurance FAQs
- Setting up a policy in Oklahoma takes only a few steps. You'll be asked for some standard details like your license, basic facts about the vehicle and how you use it, and a few questions about your driving history.
From there, you can build a quote online, compare options, and shape the policy around what you need.
New to the state? Plan to move your policy to an Oklahoma address, keep proof of coverage in the car, and have it ready before you title and register the vehicle through Service Oklahoma.
- Yes. Oklahoma lets you present coverage on a phone or other device, so a digital card pulled up in an app counts the same as a printed one during a stop or after a collision.
Service Oklahoma and law enforcement can also confirm your coverage through the state's electronic verification system. Even so, stashing a paper copy in the glovebox is a good hedge against a dead battery or no signal. Liberty Mutual customers can access their ID card any time from the mobile app.
- Whether your car is covered for hail damage depends on the type of coverage you have. Liability insurance doesn't cover damage to your own vehicle, so it typically won't pay for repairs caused by hail, wind, or other severe weather.
Comprehensive Coverage can help pay to repair or replace your vehicle if it' damaged by a covered weather event, such as hail, after you pay your deductible. Because Oklahoma experiences frequent hailstorms and severe weather, many drivers choose Comprehensive Coverage for added financial protection.