Car Insurance in Oklahoma

Compare Auto Insurance in Oklahoma

Oklahoma Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $25,000 property damage
  • Click here for more auto insurance minimums in Oklahoma.

Oklahoma DUI Laws

  • DUI is considered a BAC of 0.08%; commercial drivers 0.04%
  • Anyone caught with a BAC between 0.05% and 0.08% face serious DUI charges.
  • Click here for more DUI laws in Oklahoma.

Oklahoma SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Oklahoma.

Oklahoma Hands-Free Laws

  • The Oklahoma legislature has approved several cell phone/texting laws.
  • Oklahoma House Bill 2276 states an officer can pull a driver over if they are distracted.
  • Click here for Hands-Free laws in Oklahoma.

Oklahoma Teen Auto Insurance

  • Oklahoma utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Oklahoma teen driver laws.

Oklahoma is a tort state. This means drivers are held financially responsible for the property damage and personal injury they cause. The degree of fault documented by each driver’s insurance company determines the amount of money each party must pay toward the resulting costs. This is known as comparative negligence.

State law mandates that car owners and/or drivers carry either an owner’s policy or a non-owner’s policy to prevent a lapse in auto insurance coverage. The state also requires every motorist to purchase and maintain liability coverage. This coverage is applicable when you are held responsible for an auto accident which results in injury to a person or persons. It provides funds for accident-related medical expenses, pain and suffering, and lost wages. The following are the minimum amounts required by the State of Oklahoma:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $25,000 total for property damage, per accident

It’s important to remember that these amounts are the minimum required by law. Most insurance experts recommend that you consider purchasing higher amounts of coverage to protect yourself financially. If you don’t have the proper amount of coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state’s minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Uninsured/Underinsured Motorist Coverage, Collision Coverage, and Comprehensive Coverage.

For answers to any other questions, please contact:

Oklahoma Insurance Department- Oklahoma City office

Five Corporate Plaza
3625 NW 56th , Suite 100
Oklahoma City, OK 73112
(405) 521-2828 Local
(800) 522-0071 Toll Free

Oklahoma Insurance Department- Tulsa office

7645 E. 63rd Street
Suite 102
Tulsa, OK 74133
(918) 295-3700 Local

Oklahoma Car Insurance Agents

If you live in Oklahoma and are searching for an auto insurance agent to assist you with your insurance needs, you are in the right place.

Oklahoma Auto Insurance agents are fully qualified professionals whose job is to make buying auto insurance easy and enjoyable for their customers. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can formulate a policy which is just right for you- one that protects you and your property as well as your assets. A trusted professional agent will stand by you when you have to submit a claim and will work hard to ensure that your policy is up-to-date and continues to meet your needs and personal situation. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If you would like to receive a quote from a qualified agent, please use our Agent Locator. It offers an extensive list of professional agents in your local area.

Tips to saving money on your insurance premiums

  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • If you’re purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • Improve your credit score. Many insurance companies use your credit score to determine the cost of your premium. Be sure to check your score before applying for new insurance to make sure it is accurate and up-to-date.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.

With the advent of the Internet and the launch of sites like, searching for lowest rates for Oklahoma auto insurance has never been easier. With this site, you can compare the insurance costs of all insurance providers and select the most appropriate coverage for your budget. offers all the information you need to make a sensible decision pertaining to coverage. A careful evaluation of auto insurance options helps you save time and money. The lowest insurance costs for the entire state of Hawaii can be obtained from this site.