Last updated: November 17, 2016 at 14:27 pm
Oklahoma Car Insurance Comparison

Oklahoma Car Insurance Coverage 


Do you live and operate your vehicle in Oklahoma? Welcome to where we help drivers in the state of Oklahoma understand auto insurance coverage requirements. If you are considering a new policy its important to understand the coverage levels and options you are actually required to carry.

Some coverage may not be appropriate depending on your specific situation. If you are looking to save money on car insurance having a good understanding of these levels and what options you have is critical.

To compare Oklahoma car insurance rates use our simple tools to get a rate quote.

Want to compare auto insurance in Oklahoma?


Insurantly will connect you with an auto insurance agent after you entered your Oklahoma zip code. Explore your options now and find a great rate and coverage that fits your needs. 

Coverage Rrequirements

Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit

Do you have assets? You may need more. Call now to get a quote on various coverage levels. It’s cheaper than you think.

Oklahoma Cost Averages Per Driver

Current average car insurance premium in Oklahoma $1,536.66
Current average car insurance premium U.S. $1,446.49

Average premiums in Oklahoma cities
Oklahoma City $1,070.63
Tulsa $1,502.36

Uninsured or underinsured Motorist in Oklahoma

The saying may be that everything is O.K. in Oklahoma, but there is nothing okay about an uninsured driver. Uninsured drivers plague honest motorists around the state. It is impossible to predict when you might be in a car accident.

There are so many different factors involved in a collision. Assuming that you won’t need insurance is simply irresponsible and the victims of uninsured motorists are typically honest drivers who have honored the legal requirements regarding auto insurance.

How much UM & UIM Coverage should you get?

Oklahoma does not make its driving population purchase uninsured or underinsured motorist coverage. Even though 24% of the state’s motorists driving without the required insurance, there is no requirement to purchase this policy add-on. The typical guideline is to purchase as much in UM and UIM as you have purchased in bodily injury and property damage insurance.

If you have a family and or assets to protect consider as much coverage as you feel comfortable paying for.

Determining at Fault for an Auto Accident

Drivers who cause an accident in Oklahoma are considered to be at fault. At fault drivers carry the brunt of the damage costs of all parties involved. This is meant to keep motorists from committing themselves to a lengthy and costly legal battle to try to determine who should be responsible for the damages.

Police officers determine who the at fault driver is and that driver, with the help of their insurance company, is the fiscally responsible party.

As for the maximum allowable, it will depend on the insurance company’s adjuster and the details of the insurance policies. If the cost for medical treatment is higher than the pay-out, the injured party can always try to recover some of the cost through the negligent, at-fault driver.

Injured in a Car or truck accident?


You could get a large settlement:

  • The driver responsible has car insurance
  • He/she was negligent or at fault
  • You are still within your state’s limitations (typically 2 years)

 Do you have a case? Calculate your settlement For free.

Call toll Free: for serious accident injuries and speak with a personal injury firm specializing in serious accident cases . 3 minutes to find out if you have a case!

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