Car insurance in Oklahoma is a required aspect of vehicle ownership, providing financial protection for drivers in the event of accidents, theft, or other unforeseen circumstances. Like most states, Oklahoma has specific insurance requirements that drivers must meet to operate a vehicle on the roads legally. It is essential for Oklahoma drivers to understand these requirements, as well as optional coverage options and available discounts, to ensure they have adequate protection while navigating the state's roads and highways.
NOTE: These sample rates are based on drivers who own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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Bodily injury liability coverage
$25,000 per person per accident / $50,000 total per accident
Property damage liability coverage
$25,000 per accident
Source: Oklahoma Insurance Department
Optional Car Insurance Coverage (varies by carrier)
- Uninsured Motorist (UM)
- Med Pay Coverage
- Collision Coverage
- Comprehensive Coverage
- Towing and Labor Cost
- Rental Reimbursement
- Accidental Death Indemnity
- Special Disability Benefits
- & more. Be sure to ask your insurance agent.
Source: Oklahoma Insurance Department
Frequently Asked Questions
No, Oklahoma is not a no-fault state. It follows a tort system where the at-fault driver is responsible for covering the damages in an accident.
Source: Edwards & Patterson Law
No, Oklahoma does not require Personal Injury Protection (PIP) insurance.
Source: MoneyGeek
Uninsured motorist coverage is not required in Oklahoma, but the law does require a written rejection of the coverage if the driver does not want UM.
Source: Oklahoma Insurance Department
You Could Save Hundreds
SteadyDrive is your ticket to big savings on car insurance. We focus on your driving habits using telematics to track your behavior like speed, braking, and phone use. You can test-drive our app anonymously, with no impact on your current rate.
Download the free app, enroll in seconds, and watch the savings pile up as you drive safely.
SteadyDrive is not an insurer or an insurance agent or broker. SteadyDrive does not provide you with an insurance policy, so make sure that you have insurance coverage while you drive. Please contact your insurer or an insurance agent or broker (if applicable) directly regarding questions you may have pertaining to auto insurance coverage. For more details, see SteadyDrive’s Terms of Service.
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