Oklahoma car insurance

Oklahoma car insurance rates average about $179 a month for full coverage and $47 for state-minimum coverage—a little below the nationwide average.

The state minimum liability requirement is $25,000 in bodily injury protection per person, $50,000 per accident, and $25,000 for property damage (25/50/25).

This article will walk you through everything you need to know about buying car insurance in Oklahoma, including how severe Oklahoma weather may affect your insurance purchase decision.

Full-coverage car insurance in Oklahoma averages $179 a month, or $2,151 a year.

A state-minimum policy, which covers liability only, averages $47 a month, about $560 a year.

Oklahoma requires every driver to carry at least 25/50/25 in liability coverage.¹

Liability coverage pays for the injuries and property damage you may cause to other people. It does not pay for damage to your own car or your own injuries.

Oregon requires a minimum of 25/50/20 liability protection, $15,000 in personal injury protection (to pay for your own injuries and those of your passengers), and 25/50 uninsured and underinsured motorist coverage before you can drive legally.¹

Since November 2018, Oklahoma’s Uninsured Vehicle Enforcement Diversion (UVED) program has operated a system that uses license-plate cameras to automatically check drivers’ plates against a live insurance database.²

If your car is detected on camera and the system flags it as uninsured, the State will send a “Notice to Respond” to the vehicle owner on record. To avoid criminal prosecution, you’ll either have to show proof of current coverage or pay a $190 diversionary program “enrollment fee” and keep the policy for two years.

Is Oklahoma’s state minimum coverage enough? 

25/50/25 is the bare minimum drivers need to carry in Oklahoma. This coverage is more than enough for most fender-benders. But it’s inadequate for major collisions, especially if a newer or higher-value vehicle is severely damaged or totaled.

A single serious injury can easily overwhelm the $25,000 per individual in bodily injury liability protection. Any damages above your policy limits may come out of your own pocket.

Most drivers should carry more insurance than just the state minimum. 

Do you need uninsured/underinsured motorist coverage in Oklahoma?

Oklahoma mandates that insurance companies offer uninsured and underinsured motorist coverage (UM/UIM) with all policies. This coverage pays for your own injuries when the at-fault driver has no insurance, or not enough insurance to cover your medical bills, lost work, and other damages.¹

UM/UIM insurance is not mandatory for drivers in Oklahoma. But the Oklahoma District Attorneys Council estimates that as many as 26% of all cars on the road in Oklahoma are uninsured.² This coverage is included automatically in new policies in Oklahoma unless you specifically opt out in writing.

Uninsured motorist coverage usually isn’t enough to cover the medical costs of a severe injury by itself. But it can help you pay your medical insurance deductible, copays, ambulance charges, and other costs your medical insurance policy doesn’t cover.

Progressive and USAA come in cheapest at about $106 and $108 per month for full coverage. However, USAA membership is limited to military service members, veterans, and selected family members.

The vast spread between insurance companies for the same coverage and same driver illustrates why it’s important to shop around: Every insurance company sets prices differently. The more companies you look at, the more likely it is you’ll find the best possible deal. Luva compares Oklahoma carriers on your details so you can see where you land.

Your rates will depend on multiple factors, including your age, your driving record, your credit history, your vehicle, your location, and the coverage you select.

How do violations affect Oklahoma car insurance rates?

Your personal driving record is a major factor in your premium. Here’s a look:

How does your credit score affect Oklahoma car insurance rates?

Oklahoma allows carriers to use credit scores as a factor in determining premiums. In practice, your personal credit record is often one of the biggest single factors in determining your car insurance premiums. 

Oklahoma drivers with poor credit pay an average of $273 per month compared to $154 per month for drivers with excellent credit.

What are the average rates by city in Oklahoma?

Oklahoma insurers can use your ZIP code as a rating factor. Here’s a look at average premiums by Oklahoma city:

Oklahoma’s severe weather has a major effect on comprehensive coverage costs. The state sits in one of the most active hail and tornado corridors in the country. 

The Insurance Information Institute, citing CoreLogic, reported that Texas, Nebraska, Missouri, Oklahoma, and Kansas accounted for about 72 percent of all U.S. homes hit by damaging hail in 2024. A single September 2024 hailstorm over Oklahoma City damaged about 35,000 homes.³ Tens of thousands of automobiles are damaged in Oklahoma every year, according to the Highway Loss Data Institute.⁴

Hail, tornado, wind, and flood damage to your car is generally covered under comprehensive coverage, and subject to your deductible.⁵ The same is true for deer and other animal collisions, which are common on Oklahoma highways.

A liability-only policy provides no coverage for weather damage to your car, nor for collision damage. If you park outside in Oklahoma, it may be a good idea to buy a full coverage policy, rather than the cheaper liability-only policy.

The best way to shop for car insurance in Oklahoma is to compare quotes. Luva pulls personalized quotes from competing insurers on identical limits and deductibles, so you're comparing true apples-to-apples prices. Also, compare discounts between carriers. Insurers commonly offer discounts for things like: 

• Bundling home and auto coverage

• Insuring more than one car

• Paying in full rather than monthly

• Enrolling in a telematics program

For best results, use the same coverage, limits, and deductibles when you request quotes.