On average, your neighbors pay $68 a month.See Your Rates
Oklahoma drivers used to drive around in surreys (horse-drawn carriages for those who haven’t seen the musical, "Oklahoma!"). These days Oklahomans drive cars and trucks, which need to be insured.
Check out the information below to learn the rules of insurance for your car in the great state of Oklahoma. From insurance laws to average rates to driver tips, we’ve got you covered.
How much is car insurance in Oklahoma? Average premiums in Oklahoma are slightly lower than the national average. The average cost of auto insurance in Oklahoma is $823.51 per year. The national average price is $889.01.
Prices may vary depending on your limits, coverage, and the total number of insurance claims filed in your zip code.
|Total Cost Per Year||$823.51|
|Price Per Month||$68.62|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Oklahoma rates from 2011 to 2015, the most recent year the data is available. According to the III, Oklahoma car insurance rates increased from $716 in 2011 to $823 in 2015, a jump of $107 dollars, or 14.98 percent.
Looking for car insurance in Oklahoma that provides the best coverage for an affordable rate? Shop around. Compare rates from a number of insurance companies.
QuoteWizard can help with that. We’ll connect you to top insurance companies so you can find a policy that protects you without breaking the bank.
Last year, 47,693 people used QuoteWizard to compare car insurance quotes in Oklahoma from multiple companies and find the cheapest rates.
Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Oklahoma. Out of the 47,693 Oklahoma drivers that used QuoteWizard to request insurance quotes last year, 5,528 had no car insurance.
These are the most common vehicles owned by Oklahoma drivers requesting car insurance quotes through QuoteWizard in the past year.
Oklahoma drivers are required by law to have insurance coverage for all registered vehicles on the road. While different companies do have various policies available, there is a minimum coverage requirement known as the 25/50/25 rule.
This means that any policy must include the following:
These are only the minimum requirements. Different companies can provide additional benefits and plans to better fit your vehicle and lifestyle. If you’ve financed your car, they’ll typically require that you purchase collision and comprehensive coverage to protect their investment.
In 2013, Oklahoma led the nation in natural disaster insured losses. Insurers paid out about $2 billion due to weather-related damages. That includes damages to cars. But did you know that a minimum coverage policy doesn’t cover weather damage? All Oklahoma drivers should add comprehensive coverage to their policy. It’ll protect you and your car after a tornado, hurricane, or other natural disaster.
Look into other coverage options as well. While minimum liability coverage takes care of the other driver’s damages, it doesn’t cover yours. It’s also important to know that a crash can easily cost more than a minimum liability plan can cover fully. In order to protect yourself, we recommend increasing your liability coverage to:
You must be ready to show your insurance identification card to law enforcement upon request. Your insurer will give you this card when you purchase a policy.
The card must have the following elements:
When registering your car in Oklahoma, a copy of your insurance must be provided to the state department upon registration. More importantly, insurance companies are required by law to include the following statement on all insurance policy cards that they issue.
“Examine policy exclusions carefully. This form does not constitute any part of your insurance policy.”
Oklahoma is unusual in that it implements an electronic verification system for all individual driver policies. For each vehicle plan that is purchased, Oklahoma drivers are required to register it with the Department of Public Safety. In most cases, your insurance provider will be able to assist with this quick registration. But make sure you're registered before wrapping up your insurance policy purchase.
Car insurance is required by law in Oklahoma, but insurance companies are allowed to refuse service to any driver they view as high risk. To ensure that all drivers have the opportunity to purchase the levels of insurance required by law, Oklahoma offers a state sanctioned plan.
To see if you qualify for this option, either call (405)842-0844, or visit their website below.
Operating a vehicle without the minimum insurance coverage required will result in a $250 fine. Additional punishments include suspension of your license and vehicle registration, as well as the potential for up to 30 days in jail.
Most states require drivers with penalties related to infractions like DUIs or driving without insurance. Oklahoma does not require an SR-22.
Drivers moving to Oklahoma with an SR-22 from another state must keep it as long as required in that state.
Oklahoma doesn't have laws in place to prevent the use of a handheld device while operating a motor vehicle. But Oklahoma law enforcement can pull you over for “distracted driving” and issue citations.
This Oklahoma law requires that drivers submit to alcohol or drug testing. It tests blood, breath, or urine from drivers arrested for suspicion of driving while under the influence (DUI). Refuse the test and you’ll face license suspensions and fines.
If your Blood Alcohol Content (BAC) of 0.08% or higher, you're guilty of Driving While Under the Influence (DUI).
The penalties for a first offense DUI conviction are:
The penalties for a second offense DUI conviction are more severe:
After a third DUI conviction the penalties increase to:
There are no driving restrictions for senior drivers in Oklahoma. License renewal occurs every 4 years for drivers across the board. But there's a reduced license fee for drivers between the ages of 62 to 64. The fee is waived entirely for drivers over the age of 65.
Oklahoma protects its citizens by ensuring that all passengers comply with the state's mandatory seatbelt law while on the road. Anyone riding in a front seat must be over the age of 13. The must also wear seatbelt at all times. Failure to comply with this law will result in a $20 fine.
If you're visiting Oklahoma or moving here, you must meet the mandatory insurance requirements of your state of origin.
The most recent data from 2015 indicates that Oklahoma drivers paid an average of $823.51 annually for car insurance coverage. That's a bit below the national average of $889.01. This makes Oklahoma the 25th most expensive state for car insurance.
In 2014, 669 motor vehicle related deaths were recorded in Oklahoma, down from 678 in 2013.
In 2014, 10,583 vehicles were reported stolen in Oklahoma, a 6.2% decrease over the 11,282 vehicle thefts reported in 2013.
How does this compare to other states? The nationwide average vehicle theft rate in 2014 was 216.2 thefts per 100,000 cars. In Oklahoma, they saw a slightly higher 272.9 thefts per 100,000 cars.
Curious if the car you drive makes you a target for theft? Check out the list of the most stolen cars in Oklahoma below.
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
The percentage of Oklahoma residents estimated to be driving without insurance is a whopping 25.9%. That ranks Oklahoma as #1 among all US states and the District of Columbia. Oklahoma doesn't require uninsured motorist coverage. But it may be a good idea to get it given how many uninsured drivers share the road with you.
|3||4.7%||Oklahoma Farm Bureau|
|5||3.6%||CSAA General Insurance|
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