Does Oklahoma have minimum requirements for car insurance?

Yes. Oklahoma drivers must carry liability coverage limits of at least:

  • $25,000 in bodily injury liability per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage liability

Although these are Oklahoma's minimum auto insurance requirements, you should consider increasing your liability limits to give yourself more protection and peace of mind. Learn more about auto liability insurance.

Comprehensive and collision coverage may be right for you

Most lenders require comprehensive and collision coverage if you lease or finance your vehicle. But even if you own your car outright, consider adding these coverages so your vehicle is covered if it's damaged or stolen. Learn more about comprehensive and collision coverage.

We believe safe drivers should save more. With Snapshot®, your rate is personalized based on your driving habits.

How much is Oklahoma auto insurance?

In 2020, the average cost of a liability-only Progressive auto insurance policy in the Sooner State was $126 per month.* Rates vary based on your ZIP code, driving history, and the limits and coverages you choose.

How can I save money on my Progressive car insurance policy?

Progressive offers a range of discounts, such as:

  • Continuous insurance
  • Three-year safe driving
  • Paperless
  • Five-year accident-free
  • Multi-car
  • Electronic Funds Transfer (EFT)
  • Homeowner
  • Online quote

See all car insurance discounts.

Interesting facts about driving in Oklahoma

  1. Oklahoma lawmakers passed a law in 2017 that prohibits driving in the left lane of a divided highway, unless the driver is passing a slower vehicle. Always maintain a safe speed if you choose to pass a slower vehicle. Speeding can lead to accidents, tickets, and a higher car insurance rate.

  2. In Oklahoma, every driver and front seat passenger is required to wear a seat belt. If you don't buckle up, you could be pulled over.

  3. In 2019, Oklahoma had the fourth highest number of tornadoes. Your car is not the safest place to be during a tornado — seek underground shelter whenever possible.

How to quote auto insurance in Oklahoma


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