Car Insurance In Oklahoma 2026: Laws, Costs, Requirements & Companies

After living in Oklahoma for several years and reviewing the car insurance market, I’ve seen how things like severe weather can impact drivers differently based on their insurance coverage and how the market can change year-to-year. This guide is designed to provide everything you need to know about car insurance in Oklahoma, including the laws, requirements, and penalties for not carrying the right insurance.

Does Oklahoma Require Car Insurance?

All drivers with registered vehicles need to maintain car insurance in Oklahoma and carry that proof of car insurance with them. Drivers who don’t can face severe penalties. Oklahoma Drivers must maintain 25/50/25, or:

• Bodily Injury Liability ($25,000 per person)
• Bodily Injury Liability ($50,000 per accident)
• Property Damage Liability ($25,000 per accident)

How Much Insurance Should You Get In Oklahoma?

Oklahoma State minimums are fairly standard, however, Oklahoma is one of the most volatile States due to extreme weather and a high rate of uninsured motorists, meaning that the minimum liability coverage is likely insufficient for a weather-related incident or a major accident.

Drivers in Oklahoma might consider underinsured motorist coverage or increasing the uninsured motorist coverage as part of their policy; approximately 16% of drivers in the state are uninsured.

Tornado Alley experiences frequent hailstorms. The average cost of replacing the high-tech glass and sensors in modern cars often exceeds $10,000, something that isn’t covered without comprehensive insurance.

Flash flooding is another risk associated with the severe thunderstorms throughout the state, and any type of partially or fully submerged damage to your vehicle from a flash flood is only covered by comprehensive insurance.

The extensive network of turnpikes and rural highways, combined with high speeds across the state, can lead to much higher risks of mechanical failure or flat tires far from any major city, necessitating Roadside Assistance coverage.

How Much Is Car Insurance In Oklahoma?

Oklahoma has fairly affordable car insurance rates, averaging $35 per month for the basic state minimum liability coverage and around $180 per month for full comprehensive and collision. However, risk profiles can change these premiums, including things like:

• Non-owner car insurance: Oklahoma drivers who want coverage for themselves, without owning a car, can expect premiums around $24 per month.
• Temporary car insurance: Temporary plans average $55 per month for basic liability coverage.
• Senior car insurance: Oklahoma drivers in their 60s pay an average of $149 per month for comp and collision, but by age 75, these premiums go up with the increased risk profile.
• Teen car insurance: Teens in Oklahoma pay around $125 for state minimum liability coverage, but over $400 for full coverage.
• SR-22 insurance: High-risk drivers who need an SR-22 filing can expect premiums around $200 per month.
• College Students: Drivers under 25 can face premiums for full coverage of over $200 per month.
• Bad Credit: Drivers with “very poor” credit pay more than twice what a driver with “good” credit pays.
• With a speeding ticket: Premiums increase by an average of 20% after a single speeding ticket in Oklahoma.

These figures are general estimates and can vary depending on the insurer and your personal driving profile.

Which Car Insurance Companies Operate In Oklahoma?

Oklahoma offers many types of insurance providers, from major national companies like State Farm to regional companies like Mercury Insurance. There is a strong array of agriculture-focused mutual companies as well. Some of the main companies operating in Oklahoma include:

• State Farm
• Progressive
• Allstate
• GEICO
• Travelers
• USAA
• Nationwide
• Farmers Insurance
• Liberty Mutual
• American Family Insurance
• Oklahoma Farm Bureau Mutual (OKFB)
• American Farmers & Ranchers (AFR) Insurance
• Shelter Insurance
• Mercury Insurance
• Auto-Owners Insurance
• CSAA Insurance Group
• SafeAuto
• The General
• National General Insurance
• Direct Auto Insurance
• Safeco

Note: If you want to find all licensed providers in Oklahoma, the Oklahoma Insurance Department (OID) Company Search tool can help.

With Insuranceopedia, you can also compare policies and coverage through different providers to find coverage that meets legal minimums and fits your needs.

How To Get Lower Insurance Premiums In Oklahoma

There are several strategies that Oklahoma drivers can use to reduce their car insurance premiums.

Take A State-Approved Defensive Driving Course

Drivers in Oklahoma can get up to 10% off their current premiums by completing an approved defensive driver course. Once completed, this discount typically applies for 3 years.

Manage Your Credit-Based Insurance Score

Insurance providers can look at your credit history to determine your premiums. As your current policy is several months away from expiring, and your credit score has improved, consider comparing different providers through tools like Insuranceopedia to see about better rates based on your improved credit.

Bundle Multiple Insurance Products

The more you are able to bundle multiple insurance products together, the more you can save and this applies to all your products. If, for example, you currently have a homeowners insurance or renters insurance policy through one company but your car insurance policy through another, being able to combine them or bundle them under the same provider might provide substantial discounts for both products.

Pay Annually

Drivers who pay annually often save a minimum of 10% on their premiums as compared to paying monthly.

Change Your Car

It is always important to look at the type of car you have and whether you might benefit from trading it in for something else. Very old cars can come with a higher risk of repairs, while very new cars can come with costly repairs, especially for high-tech components.

Raise Your Credit Score

As your policies are often tied to things like credit scores as a representation of your risk, being able to improve your credit score can go a long way toward reducing your premiums, especially if your credit score has changed from when you were to the next.

Increase Your Deductible

Increasing your deductible is a simple way to keep your costs low. If you are trying to reduce your premiums, being able to put some money aside for an unexpected repair or emergency means that you can increase your deductible and therefore decrease your premiums.

Proof Of Insurance In Oklahoma

Driving without proper insurance in Oklahoma is a misdemeanor, with very strict enforcement. If you are caught without the right insurance or proof of insurance, it can result in a lot of penalties and many steps to reinstatement.

Proof Of Insurance Requirements

In Oklahoma, all drivers are required to carry a form of verification in their vehicle at all times as part of the Oklahoma Insurance Verification System. This online database allows officers to confirm the legitimacy of your insurance coverage in real time.

If you cannot verify your insurance, do not have proof of insurance, or an officer can’t verify it through the database, you will be issued a misdemeanor citation immediately, and an officer may seize your license plates on the spot. You will have a 10-day permit during which time you can go to court and prove that you actually did have insurance but were unable to supply proof of it at the time, or to get insurance.

In some cases, your vehicle might be towed, and then you have to pay for the cost of the tow and the storage fees. Repeat offenses come with significant fines and jail time.

If your license was taken, you’ll face a basic fine of $250 plus court fees, a $300 license reinstatement fee, a $125 administrative fee if your license plate was taken, and you’ll need to provide proof of your new insurance policy.

Oklahoma State Driving Laws

Oklahoma uses an at-fault system and has strict requirements for insurance coverage, seat belt use, and distracted driving.

Fault State (Tort System)

Oklahoma is an at-fault state, which means whichever driver is considered to be at fault for causing an accident has to cover the cost of the resulting damages for other parties.

Civil Suit Thresholds (Comparative Negligence)

Given that Oklahoma uses a modified comparative negligence system with a 50% bar rule, drivers can only recover damages if they are 50% or less at fault for an accident, and the amount they can recover is based on their percentage at fault.

Drivers Without Insurance

Driving without insurance is a misdemeanor that can include many penalties, SR-22 requirements, suspensions, and reinstatement fees.

Uninsured Motorist Coverage (UM)

Insurance providers are required to offer uninsured motorist coverage with each policy, but if you don’t want it, you have to submit a written waiver to reject it.

Self-Insurance

Individuals or businesses can submit for self-insurance if they can demonstrate that they have sufficient financial responsibility to cover out-of-pocket costs for any potential damages in a car accident.

SR-22s

High-risk drivers, like those found driving without insurance or after a DUI, may be required to file an SR-22 certificate for 3 years.

DUI Laws

The legal blood alcohol concentration (BAC) limit is 0.08% for drivers 21 and older, 0.04% for commercial drivers, and 0.02% for drivers under 21 (“zero tolerance” law). Violations can include jail time, fines, and a license suspension. Refusing to take a chemical test results in an automatic suspension of your license as well.

Seat Belt Laws

Oklahoma requires all front seat occupants and children under the age of 13 to wear a seatbelt. This is a primary law, which means officers can pull you over just for not wearing a seat belt.

Distracted Driving Laws

Drivers are not allowed to use a handheld device while driving, but this is a secondary offense, which means an officer can’t pull you over for this, but they can cite you for it if they pull you over for something else.

Teen Driving Laws

Oklahoma uses a Graduated Driver Licensing (GDL) system, allowing teenagers to get a permit and graduate to a full license at age 16.

Defensive Driving

Drivers can qualify for insurance discounts and get points off their record by taking state approved sense of driving courses.

Statute Of Limitations

The statute of limitations after an accident is 2 years.

When To Report An Accident

All accidents have to be reported to the police if they involve injury, death, or property damage valued at more than $1,000.

When Is A Car Declared A Total Loss?

A vehicle is considered a total loss when the estimated cost of repairs (plus the salvage) equals or exceeds the actual cash value (ACV).

Cancellation/Non-Renewal Notification Laws

Insurance providers have to give you at least 30 days’ notice before canceling or not renewing your policy.

Oklahoma Car Insurance Contact Information

As of 2025, new consolidation at the state level means that there are effectively two state bodies that manage most issues about car insurance, licensing, and registration. Having their contact information in one place can make it easier to navigate who you should reach out to for different circumstances.

1. Oklahoma Insurance Department (OID)

If you have an unresolved dispute regarding a premium increase or a denied claim with your current insurance provider, you can reach out to this department. This is also who you can contact if you want to verify the legitimacy of an insurance provider or understand changes to state laws like the mandatory liability coverage limit.

Contact Information:

• Consumer Assistance Hotline: (800) 522-0071 (Toll-free in OK) or (405) 521-2828
• Oklahoma City Office: 400 NE 50th St., Oklahoma City, OK 73105
• Tulsa Office: 5100 E. Skelly Drive, Suite 110, Tulsa, OK 74135
• Website: ok.gov

2. Service Oklahoma (SOK)

This department now handles all motor vehicle services, including vehicle registration, vehicle registration renewal, insurance compliance, and driver licensing. So, if you need to renew your license or you need to resolve an issue with a suspended license because of an insurance lapse, this is who you contact.

Contact Information:

• Main Phone: (405) 522-7000 or (833) 306-0128 (Toll-free)
• Specialized Plates: (405) 521-2468
• Email: sokcommunications@service.ok.gov
• Physical Address (Flagship): 6015 N. Classen Blvd., Oklahoma City, OK 73116
• Website: service.ok.gov

3. Licensed Operators (Formerly Tag Agents)

If you would like to pay for your tags in person and get your stickers immediately, you can work with a licensed operator in local offices. You can also use licensed operators to handle the sale or purchase of a vehicle if you are doing so privately.

Contact Information:

• Use the Service Oklahoma Location Finder to find an office in your county.

Common Oklahoma Car-Related Crime And Fatalities

Oklahoma drivers have to contend with a recent rise in traffic-related deaths, juxtaposed with national declines. Understanding traffic fatality statistics and crime related to cars can help drivers get the right insurance coverage.

Traffic Fatality Facts

There has been a 32% increase in traffic-related fatalities as of 2025, particularly compared to the previous year. In fact, Oklahoma ranks 13th across the nation for having the highest traffic fatality rate and 14th for the number of car accident fatalities that take place on rural roads.

Traffic fatalities are significantly higher than the national average in large part because 51% of all traffic fatalities involved individuals who weren’t wearing their seatbelt and many more involved speeding combined with a lack of seatbelts. In a single weekend in the middle of summer, the Oklahoma Highway Patrol had to respond to seven car accidents, which resulted in 10 fatalities, all linked to speeding. Twenty-nine percent of all fatalities in Oklahoma are attributed to speeding.

These aren’t the only causes of fatalities and car accidents across the state. Another 21% of fatal car accidents are related to drunk driving, while an annual 1,200 are related to distracted driving. Other common car accident causes involved deer collisions, with Oklahoma drivers having a 1 in 105 chance of colliding with a deer, especially during mating season.

Drivers across the state also have to contend with severe weather risks, particularly heavy rain and flash floods, which cause 200 accidents daily during inclement weather.

Vehicle Theft Trends

Oklahoma is ranked 10th across the United States for car thefts, which means that over the last 5 years, there has been an increase in car theft, particularly in urban areas like the Oklahoma City metro.