Oklahoma car insurance

Common questions about Oklahoma
auto insurance

Need car insurance in Oklahoma? Whether you live in Oklahoma City (OKC) or Tulsa, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Oklahoma auto insurance, so you only pay for what you need.

What car insurance is required in Oklahoma?

In Oklahoma, it's illegal to drive without insurance. Drivers in Oklahoma are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Oklahoma.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident

Check out the Oklahoma Insurance Department for more details.

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.

What's the average cost of car insurance in Oklahoma?

The average cost of car insurance in Oklahoma was $1,592³ in 2021 according to thezebra.com. That's 4% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Oklahoma auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Oklahoma state highlighted

Who has the cheapest car insurance in Oklahoma?

Getting the cheapest car insurance in Oklahoma may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴