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.

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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:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum 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.

CoverageWhat it coversMinimum amount
UM/UIM bodily injuryWhat it coversYour medical expenses an uninsured or underinsured driver causesMinimum 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 nearly $750 on average. Get an auto insurance quote today.

What is the best car insurance in Oklahoma?

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 $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 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.

How to get car insurance in Oklahoma

Go online

We ask easy questions, and you customize your coverages.

Quote auto insurance

Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-866-749-7436

Through an agent

Connect with an independent agent in your area.

Find an agent in Oklahoma

Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.