Oklahoma Car Insurance FAQ - Quick Answers

On average, Oklahoma drivers pay $1,496 per year for car insurance. This comes in higher than the national figure of $1,311 annually. If you're trying to save premium dollars, consider obtaining quotes from a local expert that works with multiple carriers at once. 

Your Oklahoma car insurance policy will look different from everyone else's, but here are some common policy coverages you may have:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
  • Collision: Pays for a collision with another vehicle, animal, or property.

In Oklahoma, you're required to carry the minimum limits of liability coverage shown below:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability

When it comes to obtaining car insurance, you'll want the best coverage for your situation. In Oklahoma, Progressive, Prime, and Stillwater insurance companies are used by many. These carriers come highly rated due to their exceptional claims handling and customer service.

No. Oklahoma is an "at-fault" car insurance state. This means that the person responsible for causing the auto accident is the one that pays for damage and injuries sustained.

No. Car insurance can typically only be purchased by a licensed driver in Oklahoma. If you have your learners permit, some carriers allow you to be added to the car insurance for good measure. 

In Oklahoma, you are required to have insurance when registering a vehicle. You are also usually only given 30 days to register your vehicle in the state in which you reside. Most carriers have a strict rule about offering insurance only for the rightful state in which the vehicle is registered, because each state has different laws and guidelines. 

Do You Know What Your Car Insurance Covers in Oklahoma?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Bartlesville17.12.74$1,254
Broken Arrow21.11.6$1,389
Edmond22.61.26$1,348
Enid17.12.28$1,248
Lawton15.42.81$1,234
Midwest City213.38$1,558
Moore242.3$1,477
Muskogee17.13.04$1,392
Norman22.52.76$1,376
Oklahoma City21.45.76$1,693
Owasso21.51.54$1,373
Shawnee20.44.87$1,470
Stillwater16.21.16$1,219
Tulsa18.67.55$1,556
Yukon22.50.96$1,316