Services
Insurance
Loans
Repairs
Advice
About

Cheapest Car Insurance in Oklahoma (Apr, 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Oklahoma.
compare
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Cheapest Car Insurance Quotes in Oklahoma

Convenient as it would be, there’s no car insurance provider that offers the cheapest rates for everyone in Oklahoma. While many will evaluate common factors—like your driving history, location, and demographics—each provider uses its own methodology to determine the cost of your premium.
What this means: Your best bet at finding
cheap car insurance
in Oklahoma is to compare multiple quotes from multiple providers.
Jerry Insurance Agency
allows you to do this quickly and easily—all in one place. 
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Progressive
$129
Chevrolet Trax LS
• State Minimum Liability
• Comp / Collision
Safeco
$107
Chevrolet Traverse LS
• State Minimum Liability
• Comp / Collision
AAA
$152
Toyota Corolla LE
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$107
Toyota Tacoma Double Cab
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$122
Chrysler Pacifica Touring L
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 11, 2024

Cheapest car insurance companies in Oklahoma

To find out what car insurance companies offer the lowest rates in Oklahoma, Jerry conducted the nation’s largest insurance shopping survey.
Insurance companyDateCost rating (out of 5)What our customer said:
Farmers
April 11, 2024
4
"It was a good insurance . What I enjoyed most was the ability to get my monthly rate lowered just by having the app d...(read more)"
-Benjamin
Amica
April 10, 2024
4
"Decent price, coverage is okay, havent had to contact customer service."
-Gabriel
Bristol West
April 7, 2024
5
"So easy to get what I needed. Prices are great! Coverage is awesome. Highly recommend to anyone!"
-Lewis
AAA
April 4, 2024
4
"AAA insurance is pretty good. I believe their rates could probably be a bit better but it's not such a significant di...(read more)"
-Leonard
Allstate
April 4, 2024
4
"When the commercials say that all states on your side they're not lying they really are when I have a car accident th...(read more)"
-Abbie
coverageLast Updated Apr 11, 2024
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The results: There’s no singular car insurance provider that offers the cheapest rates for every driver. 
Progressive
,
Nationwide
, and
Travelers
are all popular options among Oklahoma drivers, but the best car insurance company for you will depend on your budget as well as what you’re looking for in a policy and provider.
Using a car insurance comparison app or website makes finding cheap auto insurance a quick and easy process. As a
licensed insurance agency
, Jerry allows you to gather and compare
car insurance quotes
—and if you find the right policy at the right price, they’ll even help you make the transition to your new provider.

Minimum car insurance requirements for liability and full coverage in Oklahoma

Like most states,
Oklahoma law
requires drivers to have a minimum amount of car insurance in place before they can legally drive. Depending on your coverage needs, it’s possible you could also benefit from full coverage or additional coverage types.

Cheapest minimum liability coverage in Oklahoma

In Oklahoma, drivers must carry
liability insurance
that consists of at least:
This minimum required coverage is often referred to as 25/50/25.
Here are rates Jerry users have found for minimum liability coverage in Oklahoma.
card cover
Roy (46 years old)
coverageCoverage
State Minimum
locationPiedmont, OK
carToyota RAV4
$60
per month
card cover
Mike (40 years old)
coverageCoverage
State Minimum
$95
per month
card cover
Lloyd (58 years old)
coverageCoverage
State Minimum
locationCoyle, OK
$108
per month
card cover
Christine (40 years old)
coverageCoverage
State Minimum
$126
per month
card cover
Clearcover
Jon (73 years old)
coverageCoverage
State Minimum
carVolkswagen Jetta S
$129
per month
card cover
Rachel (33 years old)
$96
per month

Do you need more than the minimum liability insurance coverage in Oklahoma? 

Most drivers will benefit from having higher coverage limits than Oklahoma’s 25/50/25 required minimum.
The reason why: Moderate to severe accidents can come with costs that easily exceed these minimum liability limits. In an at-fault accident, you’d be responsible for covering those costs yourself.
The Oklahoma Insurance Department notes that for better financial protection, it’s generally recommended that drivers carry 100/300/100. That would equate to:
  • Bodily injury liability: $100,000 per person, $300,000 per accident
Lower my car insurance too!

Cheapest full coverage Oklahoma auto insurance quotes

If you want your car insurance policy to cover damages to your own vehicle, you’ll want to have full coverage.
Full coverage includes
comprehensive
and
collision coverage
. Collision coverage will pay for repairs or replacements after an accident, while comprehensive coverage covers a range of other types of events, such as theft, fire, vandalism, or severe weather.
If your car is financed: Your lender will likely require you to have full coverage until your loan is paid off. In fact, many lenders and dealers will need proof of coverage
before completing a vehicle sale
.
Here’s what Oklahoma drivers have found for
full coverage insurance rates
with Jerry.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$129
Chevrolet Trax LS
• State Minimum Liability
• Comp / Collision
Travelers
$159
Hyundai Accent SE
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$152
Nissan Titan S
• 50,000/100,000 Liability
• Comp / Collision
AAA
$229
RAM 1500 BIG Horn/lone Star
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$147
Chevrolet Silverado C1500
coverageLast Updated Apr 7, 2024

Average rates for minimum liability coverage and full coverage car insurance in Oklahoma

The numbers from Jerry’s study show that the average cost for minimum liability coverage in Oklahoma is about $1,354 per year or $113 per month. The average cost for full coverage car insurance is about $2,304 per year or $192 per month.
Keep in mind: Average insurance costs can serve as a helpful starting point for estimating your own insurance costs, but your premium could look different from the ones shown here.
This is due to the myriad factors that insurers use to determine your rates, like:
  • The type of car you drive
  • Where your vehicle is kept
  • Your driving record
  • Your demographics

Oklahoma car insurance: Additional Coverages

In addition to liability, collision, and comprehensive insurance, there are plenty of additional car insurance coverage types you can consider adding to your policy in Oklahoma:
If you’re currently paying off a car loan: Consider
gap insurance
if you don’t already have it. If your vehicle ends up totaled and your loan balance is greater than your car’s value, gap insurance can help you cover the difference.
If you don’t own a car but routinely borrow someone else’s: Consider a
non-owner car insurance policy
. This will set you up with liability coverage, but it
won’t protect the vehicle
you’re driving—the owner’s car insurance policy would need to cover it.

Car insurance premium by rating factors

Oklahoma auto insurance companies evaluate various factors to determine your premium cost, including:
  • The vehicle you drive: Collision and comprehensive coverage will usually cost more for newer and high-value vehicles.
  • How you use your car: Car insurance will typically cost more for a daily commuter vehicle than one that’s only used occasionally.
  • Your driving record and claims history: Expect to pay more for insurance if you’ve had accidents or violations.
  • Where you keep your car: Insurers will consider your area’s population density, accident and crime rates, and severe weather trends when weighing risks.

How Do Different Factors Impact Your Car Insurance Costs in Oklahoma ?

icon
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
icon
Prohibited (or effectively prohibited): Oklahoma currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Oklahoma:

How to find cheap Oklahoma car insurance if you’re a high-risk driver

Your driving history
will play a significant role in determining what you pay for your auto insurance policy. Numerous or severe violations can often leave you with a more expensive auto insurance premium.

Cheapest car insurance for Oklahoma drivers with a speeding ticket

Speeding tickets
will almost always impact your insurance rates—but the severity of the violation will determine by how much. For example, a speeding ticket for 3 mph over the speed limit likely wouldn’t have the same effect as one for 25 mph over the speed limit.
Here’s a look at what Jerry users have paid for insurance with varying speeding tickets on their records.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$77
• State Minimum Liability
Speeding 11-15
AAA
$256
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Mercury
$408
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 13, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Fast response to questions, problems solved quickly
John
National General
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Travelers
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Safeco
Safeco has provided great service as my current carrier.
Marcus

How to find cheap Oklahoma auto insurance after a DUI

A
DUI conviction in Oklahoma
comes with some of the steepest car insurance rate increases.
To compensate, you can gather quotes and compare rates to find the most affordable car insurance option after a DUI violation.
card cover
Mina (30 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$233
per month
card cover
Darrell (26 years old)
DUI
coverageCoverage
State Minimum
$109
per month
card cover
Cynthia (36 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$268
per month
card cover
Sam (25 years old)
DUI
coverageCoverage
State Minimum
$127
per month
card cover
Gainsco
Charles (43 years old)
DUI
coverageCoverage
State Minimum
$83
per month
card cover
Clearcover
Marian (29 years old)
DUI
coverageCoverage
State Minimum
$210
per month

Oklahoma SR-22 insurance

If you’ve had a serious violation on your driving record, like reckless driving or a DUI, you might be subject to an
SR-22 filing requirement
.
An SR-22 certificate, which your car insurance files on your behalf, shows that you have the necessary amount of coverage required in Oklahoma.

Cheapest Oklahoma auto Insurance after an at-fault accident

Accidents—and especially at-fault accidents—can greatly affect your car insurance rate.
Insurers will look at your accident and claims history to determine your level of risk for the future.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$73
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$157
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
AAA
$98
• State Minimum Liability
At Fault With No Injury
Nationwide
$157
• 30,000/60,000 Liability
• Comp / Collision
At Fault With Injury
Clearcover
$197
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 12, 2024

Cheapest auto insurance after other violations in Oklahoma

From careless driving to failure to yield, there are all sorts of driving violations that will affect your car insurance rates in Oklahoma, with different offenses carrying different weights.
But with or without violations on your driving record,
shopping around for quotes
still increases the odds of finding the cheapest option for you.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$107
Hyundai Elantra SE
• State Minimum Liability
Defective Equipment
AAA
$83
Chevrolet Monte Carlo LS
• State Minimum Liability
Driving on Sus. License
Safeco
$62
Toyota Echo
• State Minimum Liability
DUI
Bristol West
$127
Dodge Charger R/T
• State Minimum Liability
Failure to Obey Signal
Allstate
$127
Ford Edge SE
• State Minimum Liability
• Comp / Collision
Illegal Turn
Clearcover
$133
RAM 1500 SLT
• State Minimum Liability
• Comp / Collision
Improper Passing
Gainsco
$387
Toyota Camry LE
• State Minimum Liability
Open Container
Progressive
$173
Cadillac Escalade Luxury
• State Minimum Liability
Seat Belt
Progressive
$68
Chevrolet Camaro LS
• State Minimum Liability
Speeding 16-20
Travelers
$328
Dodge Challenger R/T
• 50,000/100,000 Liability
• Comp / Collision
Speeding 1-5
AAA
$116
Toyota Camry LE
• State Minimum Liability
Suspension
Safeco
$70
Nissan Titan S
• State Minimum Liability
Wrong Way/Wrong Lane
Mercury
$251
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Other Minor
Clearcover
$86
Toyota Corolla CE
• State Minimum Liability
coverageLast Updated Apr 13, 2024

FAQs

Oklahoma is an at-fault state
: This means that the party determined to be at fault in a collision will be financially responsible for any resulting injuries or property damage.

Cheapest Oklahoma auto insurance based on insurance history

Yet another factor that affects your car insurance premium is your insurance history.
Insurers ideally want to see policyholders that have held continuous coverage. Having a past
lapse in your car insurance coverage
could deem you a higher risk and leave you with a more expensive premium.
Once you have a policy in place, this means making on-time payments is of utmost importance. Luckily, Jerry can send you payment reminders to help you keep your coverage in good standing.
Lapse or no lapse in your insurance history, Jerry can still help you search for savings on your next car insurance policy.
card cover
Jeremy (32 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$173
per month
card cover
Lottie (28 years old)
Not Currently Insured
coverageCoverage
State Minimum
$63
per month
card cover
Jeffrey (43 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSeminole, OK
$157
per month
card cover
Ida (27 years old)
Not Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
carFord Edge SEL
$83
per month
card cover
Laura (25 years old)
Currently Insured
coverageCoverage
State Minimum
carJeep Grand Cherokee Limited
$287
per month
card cover
Caleb (31 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$184
per month

Cheapest car insurance for drivers with poor credit

In the state of Oklahoma, drivers who have poor credit will often have higher auto insurance costs than those with good credit.
This is because
drivers with poor credit
are considered more likely to file claims. 
Taking steps to improve your credit history can help you save on car insurance in the long run.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$73
Toyota Tacoma Double Cab
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
AAA
$78
KIA Optima EX
• State Minimum Liability
550 - 659
Allstate
$174
Hyundai Elantra SEL
• 50,000/100,000 Liability
• Comp / Collision
< 550
Safeco
$63
Nissan Maxima GLE
• State Minimum Liability
coverageLast Updated Apr 13, 2024

Cheapest Oklahoma car insurance by age

In Oklahoma, young drivers and those who
have yet to earn a full license
can expect to pay the highest car insurance rates since they’re still gaining experience behind the wheel. 

Cheapest Oklahoma car insurance for young drivers

On average, teen drivers pay more for car insurance than any other age group.
Because they are statistically at a high risk of experiencing car accidents, which makes a full coverage policy worth considering for teen drivers—especially those driving newer or more valuable vehicles.
To save even more: Be sure to look into good student,
safe driver
, and safety course discounts offered by providers when shopping around.
card cover
Nelle (22 years old)
coverageCoverage
State Minimum
locationHealdton, OK
$196
per month
card cover
Rodney (22 years old)
coverageCoverage
State Minimum
carFord F150 Supercrew
$146
per month
card cover
Polly (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$276
per month
card cover
Franklin (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$266
per month
card cover
Lela (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$209
per month
card cover
Gainsco
Eugene (22 years old)
coverageCoverage
State Minimum
carNissan Maxima S
$183
per month

Cheapest Oklahoma car insurance for senior drivers

Due to an increased accident risk, and the risk for more severe injuries if a collision occurs, drivers tend to see their car insurance rates rise by their mid-seventies.
The table below shows what senior drivers in the Sooner State have been able to
save on car insurance
with Jerry.
card cover
Jean (67 years old)
coverageCoverage
State Minimum
carMitsubishi Outlander Sport ES
$102
per month
card cover
Essie (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$111
per month
card cover
Harriet (69 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carJeep Grand Cherokee Laredo
$76
per month
card cover
Loretta (65 years old)
coverageCoverage
State Minimum
$145
per month
card cover
Jonathan (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carChevrolet Silverado C1500
$80
per month
card cover
Antonio (72 years old)
coverageCoverage
State Minimum
carChevrolet Cruze LT
$109
per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
I always shared a good relationship with progressive
Jeffrey
Safeco
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
National General
I like this insurance a lot
Krista
AAA
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason

How to find car insurance discounts in Oklahoma for your motor vehicle

The type of vehicle you drive will have a notable impact on your premium. Insurers will consider your vehicle’s value, risk for theft or damage, safety, and potential repair and replacement costs to determine your rate.
Popular vehicle models in Oklahoma include: 
Popular CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Ford F-150 Heritage ClassicProgressive
$77
• State Minimum Liability
Honda Accord EXLProgressive
$150
• 50,000/100,000 Liability
• Comp / Collision
Honda Civic LXSafeco
$111
• State Minimum Liability
• Comp / Collision
Chevrolet Silverado C1500Allstate
$147
• 100,000/300,000 Liability
• Comp / Collision
RAM 1500 STAllstate
$150
• 50,000/100,000 Liability
• Comp / Collision
Jeep Cherokee Latitude PlusSafeco
$180
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 9, 2024

Is it cheaper to insure a new car or a used car?

While it depends on the models in question, new cars are often more expensive to insure than older ones. 
In Oklahoma, the average cost for full coverage on a car older than 10 years old is $1,400, while insuring a car less than four years old costs an average of $1,945.
card cover
Emily (46 years old)
2004 Ford F250 Super Duty
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationElgin, OK
$91
per month
card cover
Clifford (43 years old)
$116
per month
card cover
Jonathan (43 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$78
per month
card cover
Ruth (27 years old)
2005 Dodge RAM 1500 ST
coverageCoverage
State Minimum
$90
per month
card cover
Jonathan (71 years old)
2000 Chevrolet Silverado C1500
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$80
per month
card cover
Gainsco
Georgia (32 years old)
coverageCoverage
State Minimum
$387
per month

How to find cheap car insurance in Oklahoma in your city

Your vehicle’s primary location determines what sorts of risks it will be exposed to, and as a result, what you’ll pay for car insurance.
Insurance providers will consider your city’s population density, crime rates, accident rates, and local weather trends when calculating your premium. 
Oklahoma City
residents might see different rates than
Tulsa
residents. Even within the same city, you might see premiums vary from zip code to zip code.
Take a look at what Oklahoma drivers pay for car insurance across the state.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Okmulgee, OK
Darrell, 35
Progressive
$129
Chevrolet Trax LS
• State Minimum Liability
• Comp / Collision
Broken Arrow, OK
Barbara, 28
Allstate
$107
Toyota Tacoma Double Cab
• 50,000/100,000 Liability
• Comp / Collision
Edmond, OK
Mike, 40
AAA
$95
Honda Civic LX-S
• State Minimum Liability
Broken Arrow, OK
Hulda, 34
Safeco
$107
Chevrolet Traverse LS
• State Minimum Liability
• Comp / Collision
Claremore, OK
Jeffery, 73
Clearcover
$129
Volkswagen Jetta S
• State Minimum Liability
• Comp / Collision
Ponca City, OK
Jesse, 25
Bristol West
$287
Jeep Grand Cherokee Limited
• State Minimum Liability
• Comp / Collision
Oklahoma City, OK
Ricardo, 54
Gainsco
$107
Nissan Frontier S
• State Minimum Liability
Ponca City, OK
Adele, 42
Mercury
$88
Ford Crown Victoria LX
• 50,000/100,000 Liability
• Comp / Collision
Tulsa, OK
Rosa, 51
State Auto
$125
Chrysler Town & Country LXI
• State Minimum Liability
• Comp / Collision
Edmond, OK
Virgie, 55
Dairyland
$129
Lexus RX 350
• State Minimum Liability
coverageLast Updated Apr 13, 2024

How to lower the cost of car insurance in Oklahoma

Car insurance may not be cheap, but there are plenty of ways to find savings.
Here are some
recommendations from Jerry’s team
of licensed insurance agents to reduce your Oklahoma car insurance costs:
  1. Shop around and seek out multiple quotes.
  2. Bundle your car insurance with another policy, like your home or renters insurance, to qualify for a discount. 
  3. Find out what other
    insurance discounts
    your car insurance provider offers. Good student discounts, safe driver discounts, responsible payer discounts, and low mileage discounts are all common ways to save.
  4. Raise the deductible on your comprehensive and collision coverage (if you can afford the out-of-pocket cost).
  5. Build your credit score. 
  6. Consider dropping collision and comprehensive coverage on older or low-value cars. 
  7. Take an approved
    defensive driving course

Why is car insurance so expensive in Oklahoma?

Some factors that determine your car insurance costs aren’t in your control. Your Oklahoma car insurance may be more expensive due to:
  • High population density cities 
  • Uninsured drivers 
  • Rising healthcare costs
  • Rising repair costs
  • Severe weather risks

FAQs

Car insurance companies in Oklahoma use myriad factors to calculate car insurance rates—such as your location, demographics, driving record, and more. For this reason, it’s a good idea to shop around for car insurance quotes to get a sense of what you should be paying for your coverage needs.
Technically, you can
buy insurance without a license
in Oklahoma, but it’s not easy. Most auto insurance companies require a driver’s license number to sell a policy, but some, especially smaller companies, have workarounds they can use for drivers with a suspended license or who don’t plan to drive.
Yes. All drivers are required to carry specified minimum levels of car insurance to drive legally in Oklahoma.
Insurance providers have seen a correlation between low credit score and high accident rates. This makes rates for those with a low credit score higher than premiums for those with a better credit score.
Penalties for driving without insurance in Oklahoma can include:
  • $250+ in fines
  • Up to 30 days in jail
  • License plate seizure
Oklahoma insurance providers allow 2 to 30 days for buyers to add a new car to their existing policy. Keep in mind, you do need to have an active policy that’s in accordance with Oklahoma’s minimum insurance requirements to drive legally at any time. This grace period simply allows you time to get the information about your new vehicle your insurer will need to add it to your policy.
On average, full coverage car insurance in Oklahoma costs ${dynamic} per month, or ${dynamic} annually. Minimum liability coverage costs an average of ${dynamic} per month or ${dynamic} per year.
The results from Jerry’s survey of 15,000+ car insurance policyholders show that there’s no single car insurance company that offers the cheapest rates for everyone. That’s why shoppers should compare multiple quotes from multiple providers to find the best rates available to them.
At minimum, Oklahoma drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
Oklahoma law requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. 
While not required by law, if you take out a car loan, your lender will likely require you to carry full coverage for the life of the loan.
In Oklahoma, you’ll need to provide proof of insurance at the time of vehicle registration.
You’ll need to carry proof of insurance whenever you’re driving in Oklahoma. You’ll need to provide it if you’re in an accident or get pulled over by law enforcement. If you’re caught driving without insurance, you could face costly fines, a driver’s license suspension, and other costly penalties.
Collision and comprehensive coverage follow the vehicle on the car insurance policy. In Oklahoma, the vehicle owner’s liability coverage will also follow the car, as long as the person driving it has permission to do so.
Oklahoma doesn’t require uninsured motorist coverage. However, adding it to your car insurance policy can provide you with extra financial protection if you’re involved in a collision and the at-fault driver is uninsured.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.