Oklahoma Car Insurance

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Key takeaways...
  • Driving in Oklahoma without car insurance can result in driver’s license suspension, fines and/or jail time in addition to municipal fines and/or penalties
  • Oklahoma requires all drivers to carry liability insurance coverage
  • Make sure to compare different auto insurance companies to get the best rate for the coverage you need

Oklahoma car insurance requirements are administered by the Oklahoma Insurance Department and all drivers are required to have liability car insurance when registering a vehicle.

Driving in Oklahoma without car insurance can result in driver’s license suspension, fines and/or jail time in addition to municipal fines and/or penalties.

No one operating a vehicle should risk driving without car insurance. Get a FREE car insurance quote from Oklahoma Car Insurance Companies today.

Oklahoma Car Insurance Requirements

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Oklahoma requires all drivers to carry liability insurance coverage. The limits of coverage required by Oklahoma car insurance laws (2010) are currently 25/50/25 which represents:

  • $25,000 in liability insurance for expenses incurred by a single victim of an accident
  • $50,000 in liability insurance for the combined medial expenses of all victims in a single accident
  • $25,000 of property damage insurance for coverage to repairs of damage to property owned by others

The Oklahoma insurance department even states how members of the insurance industry and consumer groups recommend drivers purchase higher limits of insurance, such as $100,000 and $300,000 of bodily injury protection since car accidents can easily far exceed the minimum limits mandated.

It’s refreshing to see a state agency acknowledge that state limits are probably too low. Additional and expanded car insurance coverage is available to most Oklahoma drivers for a nominal increase

Additional and expanded car insurance coverage is available to most Oklahoma drivers for a nominal increase above premiums for policies with just state minimum requirements.

Remember that liability car insurance coverage does not cover damage to you or your vehicle so it’s wise to check into the cost of comprehensive and collision coverage also.

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What if I am denied insurance from an Oklahoma car insurance company?

Oklahoma is interesting as the state not only acknowledges how industry experts agree drivers should consider much higher coverage than state minimums but they also have a State plan called the “Oklahoma Automobile Insurance Plan” created 60 years ago.

The plan was created to provide, not just assist, car insurance coverage for eligible drivers who are unable to obtain insurance through the voluntary market.

Have you been convicted of a DUI or have a high-risk profile and continue to get denied auto insurance?

The Oklahoma Automobile Insurance Plan is available through any licensed insurance agent in Oklahoma so speak with them about the OAIP car insurance program before driving with no insurance.

Oklahoma Car Insurance Rates

Many car insurance companies offer coverage for Oklahoma residents so shop around and compare quotes as many times premiums can vary greatly from one car insurance company to another.

Compare rates today with our free quote tool below! Just enter your zip code and start comparing rates now! 

FREE Car Insurance Comparison

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