Margaret Huntley Last Updated On: July 25, 2023

Need Auto Insurance? Read This First to Find the Best Car Insurance in Oklahoma

Oklahoma might be known as the Sooner State, but you’d sooner move than overpay on car insurance! We get it. You might not have a choice about having car insurance, but you do have options available to you, from Tulsa to Elk City and everywhere in between.

So Oklahomans, keep reading: great car insurance is just around the corner.

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Table of Contents

Oklahoma Car Insurance Requirements

We’ll start out first with the bare minimum requirements in the state of Oklahoma. This means that you need to have this amount of car insurance coverage in place before shifting into drive. 

These minimums are set at 25/50/25, which means:

  • $25,000 of bodily injury protection per person
  • $50,000 per accident
  • $25,000 of property damage protection

We want to reiterate though that just because this is all that the state requires of you, that doesn’t mean it’s all the coverage you should have. A safer setup is 100/300/100, because accidents can very quickly add up in costs and you’d be left with the bill for anything that your insurance doesn’t cover.

The good news is that full coverage is likely more affordable than you might think. Next, we’ll explore the types of car insurance coverage you can choose from, and what you can expect in terms of costs.

Oklahoma Auto Insurance Coverage Options

The neat thing about car insurance is that you can choose your coverage, like browsing a buffet of options. Fill up your plate with the coverage you do want, and leave what you don’t. 

There are plenty of options to choose from. Some of the most common coverage types include:

  • Liability: This has two components, bodily injury and property damage. If you cause an accident and another person is injured or you cause property damage, this coverage foots their medical costs and the costs for the property damage. It also gives you a legal defense if you’re sued because of the accident. 
  • Collision: If you collide with another vehicle or a stationary object like a telephone pole or highway divider, collision covers the damage for your vehicle.
  • Comprehensive: If you collide with an animal, weather causes damage to your car, or your vehicle is stolen/vandalized, comprehensive has you covered.
  • Uninsured/Underinsured Motorist: If you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough to cover the costs, this coverage kicks in. Hit and runs typically fall under this coverage, since it’s assumed that drivers that flee the scene often don’t have insurance. 
  • Medical Payments: This helps cover the medical bills of you and your passengers if you’re involved in an accident, which can quickly add up. If you have great health insurance, this coverage might not be needed, but if you don’t (or your typical passengers don’t), this can save you from hefty medical bills. 
  • Gap: If your vehicle is leased or financed and becomes totalled, this covers the amount you still owe on the vehicle.
  • Roadside Assistance: If your vehicle breaks down, this covers a service tow to a nearby repair shop and other minor roadside repairs. 
  • Ridesharing: If you drive for a service like Lyft or Uber, you’ll need additional car insurance coverage to protect you and your customers. 
  • Classic Car: If you have an antique car or classic car, you’ll need special car insurance coverage because repairs and parts are much more expensive. 

These are just some of the common options available to you. Depending on the insurance provider you go with, you might be able to add even more coverage options that help you feel most protected.

Remember: the only coverage you need on the above list is bodily injury liability and property damage liability, according to Oklahoma car insurance laws. But it’s wise to get more coverage than you are legally required to, because you never know what might happen. 

If cost is an important part of the coverage decision, we’ve got that and more, next.

But first, listen up new parents: if your newest addition to the family means a bigger, better car is in the cards, then you’re going to want to keep reading for how to find savings on your insurance. But insurance is just one part of the financial puzzle when it comes to expanding the family. Grab our free financial guide for new parents so you can stay on top of all things money when the wee one arrives.

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The Average Cost of Car Insurance in Oklahoma

No one likes overpaying for anything, and least of all car insurance. You might not have a choice about having car insurance in Oklahoma, but you do have a say in how much you pay. 

To give you a rough idea on car insurance costs in the Sooner State, we’ve pulled together some average costs: 

  • Minimum coverage in Oklahoma costs an average of $406 per year
  • Full coverage in Oklahoma costs an average of $1,998 per year 
  • Both of these average costs are lower than the national averages of $622 and $2,014, respectively
  • Oklahoma car insurance costs vary compared to nearby states; they’re lower than Texas, but higher than Kansas

These figures are designed to give you a ballpark of what you might expect to pay for car insurance. But the actual Oklahoma car insurance quotes you’ll receive depend on a number of factors, including:

  • Your age and gender
  • Your zip code
  • Your average mileage
  • Your vehicle make and model
  • Your driving history
  • Your claims history
  • And more

Quotes can vary significantly from person to person, but also from provider to provider. This is because each insurance provider uses their own algorithm to come up with quotes, weighing each factor differently. This is why it’s so important to shop around for car insurance, because you could save significantly in premiums. 

Let’s take the guesswork out of it. Get access to free car insurance quotes here, so you can budget accordingly.

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How to Find the Cheapest Car Insurance in Oklahoma

No matter how high or low your quote was, everyone likes a good deal and car insurance is no exception. We have a few tips and tricks up our sleeves to help you save big on your auto insurance: 
  • Compare Quotes and Coverage: Never skip this step, unless you enjoy throwing away money! By comparing multiple quotes and coverage, you could save up to 20% on your rates instantly. 
  • Review Your Coverage: Even if you’re happy with your policy, make sure to regularly review your coverage for anything that you might no longer need, like coverage for a student away at school, or ridesharing coverage if you no longer drive for these services. 
  • Increase Your Deductible: A higher deductible (the amount you’ll pay before a claim is covered) means lower annual premiums. If you can afford it and you have infrequent or no claims, go ahead and bump up your deductible to save. 
  • Drive Safely: You might not be able to do anything about prior infractions on your driving history except wait for them to drop off your record, but you can control your current driving habits. Practice defensive driving to avoid accidents, and refrain from risky driving like speeding or rolling stops at stop signs to keep your premiums as low as possible. 
    • If you complete a driver safety course, you’ll likely be entitled to a discount on your car insurance at most providers, which can help mitigate the costs of past tickets. 
  • Ask for Discounts: One of the easiest ways to save is to take advantage of the many discounts offered by insurance providers. There are so many out there that you’re sure to qualify for at least one or two. These discounts can stack up and save you big. Common discounts include:
    • Loyal client
    • New client
    • Claims-free history
    • Vehicle safety features
    • Multi-car bundle
    • Multi-policy bundle (eg. home and auto)
    • Automated payments and e-billing
    • Homeowner
We care about saving consumers money on insurance. These tips will help put more money back in your pocket, so you get the coverage you need to get behind the wheel with confidence. 

Find the Best Car Insurance in Oklahoma Now

Now that you know everything there is to know about finding great auto insurance in The Big Friendly, it’s time to get shopping. With your newfound knowledge on average costs, coverage types, and how to find savings, you’re ready to find the best Oklahoma car insurance for your needs.

Start by getting access to free quotes here and you’ll be on the road to affordable car insurance with great coverage. We’ve got you covered!

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