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- Oklahoma Car Insurance
Oklahoma car insurance
Common questions about Oklahoma
auto insurance
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.
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.
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
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Save money with these auto insurance discounts
Great drivers are made, not born. You'll get a discount if your driving history is violation-free.6
Learn more about SavingsThe more cars you insure with Liberty Mutual, the more you can save on your premium.6
Learn about Multi-Car Discounts and moreInstantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.7
Save with our safe driver program