Safe Drivers Could Save in Oklahoma

Download the app, start your test drive, & see how much you can save.

Reviewed & verified by
Cara Carlone
Last Updated Mar 22, 2024

About Oklahoma Car Insurance

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.


Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
Source: Bankrate


Avg. Car Insurance

Annual Rate – Minimum Coverage (2024)
Source: Bankrate

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.

How SteadyDrive Works

Download the app

Go to the App Store or Google Play
and enroll in seconds.

Start your test drive

Drive safe & you could qualify for
savings on car insurance.

Qualify for discounts

After a few weeks, you could get discounted insurance quotes from a leading insurer.

Minimum Car Insurance Requirements in Oklahoma

Bodily Injury
Property Damage
Full or Limited Torts

Bodily injury liability coverage

$25,000 per person per accident / $50,000 total per accident

Property damage liability coverage

$25,000 per accident

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.

Oklahoma Driving Statistics

Insurance Rates
increased 13.3% on average statewide (2024)

Source: ValuePenguin

2.9 million (2015) to 3.7 million (2020) Registered Vehicles

Source: ValuePenguin

2.4% Population Growth from 2020 - 2023

Frequently Asked Questions

Is Oklahoma a no-fault insurance state?

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

Is PIP required in Oklahoma?

No, Oklahoma does not require Personal Injury Protection (PIP) insurance.

Source: MoneyGeek

Does Oklahoma require uninsured/underinsured motorist coverage?

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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