Oklahoma Car Insurance

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Common questions about Oklahoma auto insurance

Need car insurance in Oklahoma? Whether you live in Oklahoma City (OKC) or Tulsa, Liberty Mutual 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.1



Bodily Injury to others$25,000 per person and $50,000 per accident
Property Damage Liabilty$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 $1,5922 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.

U.S. Map with Oklahoma state highlighted

What Oklahoma car insurance coverage is right for you?

All Oklahoma drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Oklahoma car insurance to get the coverage that fits you. See all of our auto coverage options.

What's the best car insurance in Oklahoma?

Liberty Mutual knows that everyone has different needs for their Oklahoma auto insurance. Some may want the cheapest Oklahoma car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Oklahoma car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Oklahoma?

Getting the cheapest car insurance in Oklahoma sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

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Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1See Oklahoma DOI for more information: https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance