Oklahoma auto insurance
Whether you're taking a road trip on Route 66 or heading to work, car insurance in Oklahoma can help protect you and your vehicle. Explore Oklahoma's auto insurance requirements and optional coverages and discounts available through Progressive.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Oklahoma's minimum auto insurance requirements?
Drivers in Oklahoma are required to have auto liability coverage (BI liability and PD liability) at the following minimum car insurance limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum amount$25,000 per accident |
Oklahoma also requires insurers to offer uninsured/underinsured (UM/UIM) bodily injury coverage with the following limits, though you may reject or lower these coverages via a signed form if you do not want them.
| Coverage | What it covers | Minimum amount |
|---|---|---|
| UM/UIM bodily injury | What it coversYour medical expenses an uninsured or underinsured driver causes | Minimum amount$25,000 per person $50,000 per accident |
While these are Oklahoma's minimum required car insurance limits, higher coverage amounts may better protect your family's financial well-being. Learn how much car insurance you may need based on your circumstances and preferences.
Is Oklahoma a no-fault state?
No. Oklahoma is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Oklahoma?
The average cost of a liability-only Progressive auto policy in Oklahoma (single driver/single car) was $87.15 per month in 2022-2023.* However, your car insurance premium in Oklahoma will ultimately depend on unique factors like your driving history, address, coverage selection, and discounts. Learn more about common car insurance cost factors.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.† Get an auto insurance quote today.
What is the best car insurance in Oklahoma?
Finding the best car insurance in Oklahoma means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Oklahoma get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**
Looking for the cheapest car insurance in Oklahoma? Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $920 on average††
- GEICO customers who switch and save with Progressive save $757 on average§
- State Farm customers who switch and save with Progressive save $661 on average‡
How do I lower my car insurance cost in Oklahoma?
To lower your car insurance cost in Oklahoma, you may qualify for the following discounts through Progressive:
- Continuous insurance
- Multi-car
- Three-year safe driving
- Electronic funds transfer (EFT)
- Paperless
- Homeowner
- Five-year accident-free
- Online quote
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Oklahoma is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Oklahoma's state-required coverages. Comprehensive and collision pay to repair or replace your car, regardless of fault, if it's in an accident, stolen, or otherwise damaged as the result of a covered accident. It also makes sense to add these physical damage coverages if you're not sure you could afford a new car or major repairs after a collision.
Explore all our car insurance coverages, and our car insurance calculator to find which ones are recommended for you.
Oklahoma driving resources
Get to know Oklahoma's driving laws and resources. These resources apply to Oklahoma City, Tulsa, Norman, Edmond, and everywhere in between. Local municipalities may have additional laws and resources.
- Service Oklahoma: Find out how to get or renew your Oklahoma license and registration.
- Oklahoma Department of Transportation traffic laws: Review Oklahoma's traffic and parking regulations.
- Oklahoma driver resources: Get answers to your questions about driver's licenses, driver education, non-driver identification, and more.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Oklahoma
Call a rep
Talk with a licensed representative who can guide you through the process.
Call 1-866-749-7436
Quote car insurance online or give us a call
Learn more about car insurance policies.
