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Oklahoma car insurance laws

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Published on May 29, 2024 | 5 min read

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Whether you already live in Oklahoma or you’re moving to the Sooner State, navigating Oklahoma car insurance requirements can be challenging. But it is essential for you to understand Oklahoma car insurance laws so that you can drive in the state legally. Failing to do so can result in significant penalties. While traditional insurers operate in the state, Oklahoma auto insurance laws also allow you to obtain a certificate of self-insurance by making a deposit with the Oklahoma Department of Public Safety. Bankrate can help you navigate the state’s requirements to make sure that you are in compliance and can avoid any penalties while on the road in Oklahoma.

Car insurance laws in Oklahoma

When shopping for Oklahoma auto insurance, it’s helpful for car owners to understand what’s required to drive legally and why purchasing additional coverage may be beneficial. In addition to mandatory insurance, here are a few other laws to be aware of:

  • Drivers are required to carry proof of insurance in their vehicles at all times.
  • Oklahoma participates in an online insurance verification process. If you are stopped by law enforcement, the officer must verify insurance coverage through this.
  • If you are caught driving without insurance, you are subject to fines and penalties.
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Liability insurance in Oklahoma

Oklahoma auto insurance laws dictate that drivers must carry liability coverage that meets or exceeds 25/50/25 policy limits, meaning:

Oklahoma auto insurance laws also require insurance companies to offer uninsured/underinsured motorist coverage with minimum limits of $25,000/$50,000. However, this coverage can be rejected in writing by drivers who wish to opt out.

It’s important to note that purchasing the minimum required coverage may leave Oklahoma drivers financially vulnerable. For example, if you are the at-fault driver in a multiple-person, multiple-injury collision, minimum liability may not be enough to fully cover the resulting medical expenses. And if you can’t pay the difference out of pocket, the other drivers could sue. As such, insurance experts recommend purchasing a policy with higher limits if your budget allows.

It’s worth noting that the average annual cost for full coverage car insurance in Oklahoma is $2,585 per year. That is slightly higher than the national average for full coverage, which is $2,314 annually. For minimum coverage, Oklahoma residents pay an average of $519 per year. By contrast, the national average is slightly higher, at $644 annually.

Adding comprehensive and collision insurance to your policy may also be helpful. In insurance-speak, this is known as a full coverage car insurance policy. Having a full coverage car insurance policy (as opposed to minimum coverage) will likely increase your premium; however, you will gain coverage for damage to your own vehicle instead of just coverage for the damage you cause. With a liability-only car insurance policy, you would be on the hook for your medical bills and vehicle repair.

Is Oklahoma a no-fault state?

Oklahoma is considered an at-fault state. This means a driver deemed fully at fault for a crash will typically be responsible for the medical expenses and property damage the other driver incurs. However, if the other driver is partially at fault, their compensation may be reduced based on their share of the responsibility.

Oklahoma operates under a comparative negligence system, which impacts how fault and damage are determined in car accidents. In a comparative negligence state, each party involved in an accident can be assigned a percentage of fault based on their contribution to the incident. This means that if you are found to be partially at fault for an accident, your compensation for damage will be reduced by your percentage of fault. For example, if you are deemed 20% responsible for an accident and your damage totals $10,000, you would only be eligible to receive $8,000.

Penalties for driving without insurance in Oklahoma

Residents of Oklahoma without auto insurance may face steep fines and penalties. In addition to being ticketed, if you are caught driving without car insurance, you could be fined up to $250. Repeat offenders may even be imprisoned for up to 30 days. Other penalties might include license suspension, license plate seizure and having your vehicle towed. Offenders are typically required to show proof of insurance and pay a $125 administrative fee. Depending on the circumstances, those caught driving without insurance may also need to pay a $300 license reinstatement fee.

Additional auto insurance coverage options in Oklahoma

In addition to full coverage, Oklahoma drivers may find these optional coverage types helpful:

  • Personal injury protection (PIP): This can provide coverage for expenses related to medical payments and lost wages if you are involved in an accident. It can also cover funeral costs in catastrophic situations.
  • Roadside assistance: This can provide help if your car is inoperable. It usually includes assistance with towing, lockout, fuel delivery and tire changes.

Frequently asked questions

    • To find the best car insurance company in Oklahoma, Bankrate reviewed multiple national carriers. Customer service ratings, competitive rates, discounts and financial strength were all considered. Geico, USAA, Progressive, State Farm and Farmers scored well for drivers in Oklahoma. However, the best insurance company for you may vary as premiums are calculated based on factors individual to you.
    • The cheapest car insurance in Oklahoma will be different for every driver since quotes are calculated based on several personal factors, such as your zip code, credit score, vehicle make and model and driving history. However, Bankrate examined data from Quadrant Information Services and found that Geico, USAA, Farmers, State Farm and Mercury offer the lowest average rates here.
    • While your rate may vary, the average cost of car insurance in Oklahoma is $507 per year for minimum coverage and $2,548 per year for full coverage. Average full coverage rates are slightly above the national average of $2,543 per year, but Oklahoma minimum coverage is significantly cheaper than the $740 national average. Experts recommend comparing car insurance quotes from multiple carriers to find the best price available to you.

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