Oklahoma Auto Insurance Requirements, Costs & Coverage Guide 2026
✓ Updated January 2026 – Based on Real Oklahoma Quotes

Oklahoma Auto Insurance Requirements & Costs

Complete guide to Oklahoma car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.

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Key Takeaways: Oklahoma Auto Insurance Data

Data Source: All rates and statistics on this page are based on real first-party auto insurance quotes collected by our licensed agents in Oklahoma. This is not national average data or advertised rates—these numbers reflect actual consumer quote activity in Oklahoma during 2026.

Average Monthly Rate in OK
$63
Based on real quotes from Progressive across Oklahoma customers
Liability vs Full Coverage
$45 vs $69
Oklahoma liability-only averages $45.36/month vs full coverage at $68.94/month
Price Range Across Carriers
Limited Data
Only Progressive data available—compare multiple carriers for best rates
Oklahoma Minimum Requirements
25/50/25
Oklahoma’s 25/50/25 minimums provide baseline liability protection for drivers

Oklahoma Auto Insurance Requirements

Oklahoma law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.

At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.

Coverage Type Minimum Required What It Covers
Bodily Injury (per person) $25,000 Medical expenses and lost wages for one person injured in an accident you cause
Bodily Injury (per accident) $50,000 Total medical expenses and lost wages for all people injured in an accident you cause
Property Damage $25,000 Damage to another person’s vehicle or property in an accident you cause
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection.

Optional but Recommended Coverage

While not legally required, these coverages provide crucial protection:

  • Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
  • Collision: Covers damage to your vehicle from accidents, regardless of fault
  • Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
  • Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault

Learn more about different coverage types on our auto insurance guide, or explore Oklahoma liability insurance options in detail.

Average monthly auto insurance rate by state

Filters: Filters: State OK

Source ... A Plus Insurance Quote Dataset

OK
$63.05
  • Pricing ranges from $63.05 (OK) to $63.05 (OK) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $63.05. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1425 20251126-112319-7550 2025-11-26 OK ANTLERS 74523 2004 PONTIAC GRAND AM GT 54 female single liability_only Progressive Insurance 45.36 0 0 0
1424 20251209-111703-4561 2025-12-09 OK HUGO 74743 2021 JEEP GRAND CHEROKEE LARED 34 female divorced full_coverage Progressive Insurance 131.83 0 0 0

How Violations & Risk Factors Affect Your Oklahoma Rates

Your driving record and risk profile significantly impact insurance costs in Oklahoma. Understanding these factors helps you anticipate rate changes and make informed decisions.

Understanding SR-22 Insurance in Oklahoma

An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Oklahoma Department of Public Safety. You may need an SR-22 if you have:

  • DUI or DWI conviction
  • Multiple traffic violations in a short period
  • At-fault accident without insurance
  • License suspension or revocation
  • Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Oklahoma.

Need SR-22 insurance? Learn more about SR-22 insurance in Oklahoma and get quotes from providers who specialize in high-risk coverage.

How DUI Affects Your Oklahoma Insurance Rates

A DUI conviction has severe consequences for auto insurance in Oklahoma:

  • Rate Increase: Average increase of 60-100% for 3-5 years
  • SR-22 Requirement: Mandatory filing for minimum 3 years
  • Limited Options: Many standard insurers will not cover DUI drivers
  • Long-term Impact: DUI stays on your record for 10 years in Oklahoma

After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.

Common Traffic Violations and Rate Impacts in Oklahoma

Violation Type Typical Rate Increase Duration of Impact
Speeding (15+ mph over) 20-30% 3 years
At-fault accident 30-50% 3-5 years
Reckless driving 40-70% 3-5 years
DUI/DWI 60-100% 5-10 years
Driving without insurance 50-80% 3 years
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.

Liability only vs full coverage by company

Filters: State OK

Source ... A Plus Insurance Quote Dataset

Liability only Full coverage
Progressive
$45.36
$68.94

Across these carriers, liability only averages $45.36 per month, while full coverage averages $68.94. The largest gap in this view is $23.58 for Progressive.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1425 20251126-112319-7550 2025-11-26 OK ANTLERS 74523 2004 PONTIAC GRAND AM GT 54 female single liability_only Progressive Insurance 45.36 0 0 0
1424 20251209-111703-4561 2025-12-09 OK HUGO 74743 2021 JEEP GRAND CHEROKEE LARED 34 female divorced full_coverage Progressive Insurance 131.83 0 0 0

Cheapest auto insurance companies

Filters: Filters: State OK

Source ... A Plus Insurance Quote Dataset

Progressive
$63.05
  • Pricing ranges from $63.05 (Progressive) to $63.05 (Progressive) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $63.05. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1425 20251126-112319-7550 2025-11-26 OK ANTLERS 74523 2004 PONTIAC GRAND AM GT 54 female single liability_only Progressive Insurance 45.36 0 0 0
1424 20251209-111703-4561 2025-12-09 OK HUGO 74743 2021 JEEP GRAND CHEROKEE LARED 34 female divorced full_coverage Progressive Insurance 131.83 0 0 0

Driver age average monthly by area

Filters: Filters: State OK

Source ... A Plus Insurance Quote Dataset

32
$37.50
34
$131.83
54
$45.36
  • Pricing ranges from $37.50 (32) to $131.83 (34) ... a spread of $94.33.
  • Based on real auto insurance quotes grouped into 3 company results, the average across this view is $71.56. The spread is about 252% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1425 20251126-112319-7550 2025-11-26 OK ANTLERS 74523 2004 PONTIAC GRAND AM GT 54 female single liability_only Progressive Insurance 45.36 0 0 0
1424 20251209-111703-4561 2025-12-09 OK HUGO 74743 2021 JEEP GRAND CHEROKEE LARED 34 female divorced full_coverage Progressive Insurance 131.83 0 0 0

Driver sex average monthly by area

Filters: Filters: State OK

Source ... A Plus Insurance Quote Dataset

female
$88.60
male
$37.50
  • Pricing ranges from $37.50 (male) to $88.60 (female) ... a spread of $51.10.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $63.05. The spread is about 136% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1426 20251222-112402-7684 2025-12-22 OK OKLAHOMA CITY 73107 1985 GMC C1500 32 male married full_coverage Progressive Insurance 37.50 0 0 0
1425 20251126-112319-7550 2025-11-26 OK ANTLERS 74523 2004 PONTIAC GRAND AM GT 54 female single liability_only Progressive Insurance 45.36 0 0 0
1424 20251209-111703-4561 2025-12-09 OK HUGO 74743 2021 JEEP GRAND CHEROKEE LARED 34 female divorced full_coverage Progressive Insurance 131.83 0 0 0

Auto Insurance Coverage Across Oklahoma Counties

Find detailed auto insurance information, rates, and requirements specific to your Oklahoma county.

Jefferson County Norman County Madison County Tulsa County Shelby County Baldwin County Edmond County Lee County Morgan County Calhoun County Houston County Etowah County Limestone County Marshall County Lauderdale County St. Clair County Colbert County Elmore County Talladega County DeKalb County

Frequently Asked Questions

What are the minimum auto insurance requirements in Oklahoma?
Oklahoma requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. This is the legal minimum to drive in Oklahoma, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Oklahoma?
Auto insurance costs in Oklahoma vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Oklahoma City and Norman typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Oklahoma a no-fault insurance state?
No, Oklahoma is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Oklahoma.
What happens if I get caught driving without insurance in Oklahoma?
Driving without insurance in Oklahoma results in serious penalties: fines, suspension of your driver’s license and vehicle registration, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Oklahoma takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Oklahoma?
You need SR-22 insurance in Oklahoma if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Oklahoma Department of Public Safety proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Oklahoma?
A DUI in Oklahoma typically increases your insurance rates by 60-100% and remains on your driving record for 10 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for 5-10 years.
Should I get more than the minimum coverage in Oklahoma?
Yes, most insurance experts recommend purchasing more than Oklahoma’s minimum 25/50/25 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Oklahoma?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Oklahoma drivers $400 or more annually.

Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
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