The Complete Guide to Oklahoma Car Insurance
Lemonade is on the way to the Sooner State and we’ll let you know as soon as we arrive! In the meantime, we’ll help you navigate all things OK car insurance like rates, requirements, and throw in smart shopping tips.
How much does car insurance cost in Oklahoma?
Car insurance in Oklahoma averages $214/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record.
Here’s what drivers pay in major cities:
| City | Average cost of car insurance |
|---|---|
| Oklahoma City | $248 |
| Tulsa | $245 |
| Norman | $231 |
| Broken Arrow | $233 |
| Edmond | $238 |
Source: ValuePenguin
Why is car insurance so high in Oklahoma?
Oklahoma drivers face unique risks that drive insurance costs
Uninsured drivers
13.4% of drivers in Oklahoma are uninsured vs. 13% nationally, raising costs for everyone else.
Car theft
FBI data shows there were 9,163 reported motor vehicle thefts in 2024 in OK, down 15% from the previous year.
Natural disasters
OK has a relatively moderate FEMA disaster rating of 57, with the highest risks of tornado and inland flooding, driving up comprehensive coverage costs.
What car insurance do I need in Oklahoma?
All Oklahoma drivers must carry minimum insurance coverage to legally drive.
Here’s what the state requires:
| Required minimum coverages for Oklahoma drivers | Minimum amount required | What’s covered | What’s not covered |
|---|---|---|---|
| Bodily injury liability | $25,000 (per person) $50,000 (per accident) | Medical bills, lost wages, and other costs when you hurt someone else in an accident | Your own injuries, damage to your car, amounts above your policy limits |
| Property damage liability | $25,000 | Damage you cause to other people’s cars, fences, buildings, and property | Damage to your own car, your own property, amounts above your policy limits |
What additional car insurance coverages are offered in Oklahoma?
Beyond state minimums, these optional coverages provide
extra protection for Oklahoma drivers
Collision coverage
Pays to repair or replace your car if it's damaged in an accident with another vehicle or object like a fence or guardrail.
Read moreComprehensive coverage
Covers damage to your car from non-collision events like theft, vandalism, hail storms, flooding, or hitting an animal.
Read moreRental car reimbursement
Pays to cover alternative transportation while your car's being repaird. Specific coverage varies by insurer
Read moreWhat does (and doesn’t) car insurance cover in Oklahoma?
Car insurance protects you financially in many situations, but it does not cover everything.
- Vandalism
- Fire damage
- Weather damage
- Theft
- Injuries to other people
- Damage to property
- Damage from a collision
- Fender benders
- Rental car reimbursement
- Towing
- Roadside assistance
- Windshield damage
Your insurance won’t cover oil changes, engine problems, stolen personal items like your purse, or damage from red dirt trail riding
How much car insurance do I need in Oklahoma?
You need enough coverage to protect yourself financially when accidents happen. If your car needed major repairs, could you afford these local Oklahoma labor rates? Keep in mind, parts and materials cost extra.
| City | Body repair | Frame repair | Mechanical repair | Paint repair |
|---|---|---|---|---|
| Yukon | $76 | $114 | $151 | $76 |
| Broken Arrow | $83 | $113 | $163 | $83 |
| Oklahoma City | $76 | $114 | $151 | $76 |
| Edmond | $76 | $114 | $151 | $76 |
| Lawton | $75 | $107 | $147 | $75 |
Source: Caliber
What happens if I drive without insurance in Oklahoma?
Oklahoma takes uninsured driving seriously, and the penalties add up fast.
Fines
Up to $250 for any violation, plus hefty reinstatement fees ($300) and administrative fees ($125).
Suspension
Immediate plate confiscation, license and registration suspended after 10 days if not compliant.
Jail time
Up to 30 days in jail for any violation, first offense included.
What do you need to get a car insurance quote in Oklahoma?
You’ll need some basic information like your driver’s license number and your car’s VIN, but with the right details handy, getting quotes is quicker than your morning coffee run. Here’s your checklist:
Your Details
- Driver's license number
- Social Security number (for credit check)
Your Car
- VIN number (found on your dashboard or door frame)
- Current registration or title
Your History
- Any accidents or tickets from the past 5 years
- Current insurance company and policy number (if you have coverage)
Your Preferences
- How much coverage you want
- Deductible amount you're comfortable with
- Monthly budget range
How does car insurance work in Oklahoma?
Think of car insurance as a financial safety net for when things go wrong on the road.
Pick your protection
Shop around and choose coverage that fits your budget.
Make payments
Keep up with monthly payments and you’re covered.
When S%!t happens
File a claim, pay your deductible, and your insurer covers the rest up to your limits.
Oklahoma car insurance FAQs
Is Oklahoma a no-fault state?
No, Oklahoma isn’t a no-fault state. Oklahoma follows at-fault auto insurance. If you’re injured, you can pursue claims against the at-fault driver’s insurance. The state uses modified comparative negligence rules.
Do I need insurance to register a car in Oklahoma?
Yes, Oklahoma requires insurance to register a vehicle. You must carry minimum liability coverage. Proof of insurance is required at registration — vehicles can’t remain registered without coverage.
What are the top risks for driving in Oklahoma?
Oklahoma features high-speed highways with concerning rates of impaired driving and severe weather conditions. Strong storms and heavy rainfall create dangerous road conditions, while rural roads often lack adequate lighting. Distracted driving causes numerous preventable crashes.
How long do I have to report an accident in Oklahoma?
Oklahoma requires accidents involving injury, death, or property damage over $300 to be reported immediately to law enforcement. Police typically file the report. You should notify your insurer as soon as possible. Failure to report may result in fines.
What are the top safety tips for driving in Oklahoma?
In Oklahoma, slow down during storms and high winds. Watch for drunk drivers at night. Drive carefully on rural roads with no lighting. Don’t get distracted on highways.
All coverage is subject to individual policy limits, terms, and conditions. Any hypothetical examples used in Lemonade editorial content are purely expositional.
*Uninusured driver rate sourced from ValuePenguin: https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics sourced February, 2026
**Theft rate sourced from the FBI’s crime data explorer: https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/query sourced February, 2026
***Disaster risk rating sourced from FEMA’s Disaster Resilience Hub: https://resilience-fema.hub.arcgis.com/datasets/national-risk-index-states-expected-annual-loss/explore sourced February, 2026
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