oklahoma auto insurance quotes

The average car insurance rate in Oklahoma is $1,592 per year — 4% more than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver’s age and driving history. The Zebra’s experts analyzed average Oklahoma car insurance rates for these rating factors in an effort to help you find an affordable policy.

Oklahoma auto insurance laws

Car insurance is mandatory in almost every state, including Oklahoma. If you choose the legal minimum coverage level in Oklahoma, expect to pay an average of $482 annually. This is less expensive than the nationwide average by 11%. 

State minimum coverage

In order to drive legally in the state of Oklahoma, you must carry at least the minimum liability limits listed below:

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

Optional coverage in Oklahoma (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Inju

Oklahoma car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Oklahoma.

Cheap auto insurance in Oklahoma for minimum coverage

Those looking for rock-bottom car insurance premiums are likely to consider just getting the minimum coverage required by the state of Oklahoma. While this will keep you legal on the road, it also leaves you at great risk. Put simply, minimum coverage isn't likely to go very far in protecting you and your assets in the event of an at-fault accident. Use the table below as a starting point and consider upping your coverage limits or adding new coverage types.

Cheap auto insurance in Oklahoma with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase to as much as $2,285 per year

Oklahoma DUI laws

In Oklahoma, a DUI offense can increase your annual car insurance premium to an average of $3,059. That’s 24% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

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