Oklahoma Car Insurance Laws: How Much Coverage Do I Need?

Oklahoma only requires drivers to carry liability insurance coverage. Your policy must meet a 25/50/25 coverage limit to comply with Oklahoma insurance law.
Written by Sarah Gray
Edited by Jessica Barrett
Oklahoma’s car insurance
laws require all drivers to purchase an
auto insurance
policy that includes minimum liability coverage with at least $25,000 per person/$50,000 per accident of bodily injury liability and $25,000 of property damage liability coverage.

Minimum requirements for car insurance in Oklahoma

The state of Oklahoma’s car insurance laws require all drivers to carry
liability insurance
with the following minimum amounts:
  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident
  • $25,000 of property damage liability coverage per accident
Liability insurance protects from lawsuits in two ways if you cause an accident:
Bodily injury liability (BI)
 will help pay for medical expenses for people injured in an accident you cause.
Property damage liability (PD)
 helps cover repairs or replacement of personal property damaged in an accident you cause.

Other options to prove financial responsibility in Oklahoma

Buying car insurance is the easiest and most affordable way for drivers to meet
Oklahoma’s financial responsibility requirements
, but it’s not the only way. 
You can also:
  • Make a $75,000 cash deposit with the Oklahoma Department of Public Safety (DPS)
  • Provide the DPS with proof of a valid certificate of deposit (CD) issued by an Oklahoma bank or other financial institution
  • Use self-insurance for fleets of 25 or more vehicles registered to you
Unless you have $75k disposable dollars, purchasing car insurance is the simplest way to comply with OK’s financial responsibility statutes.

Is minimum liability coverage the most cost-effective option?

No. Oklahoma’s coverage requirements are fairly average when compared with other states—but those averages aren’t always enough to protect you if you cause an accident.
Here’s why:
1. Minimum liability coverage is barely enough to cover damages and medical bills following the average accident.
According to data published by the Insurance Information Institute (III), the average bodily injury liability claim in 2021 was $22,734, while the average property damage claim was $5,314.1 If you cause a severe motor vehicle accident, these claim payouts will be much higher—and if your limits aren’t high enough to foot the bill for all the other driver’s medical expenses and property repairs, you’ll be in danger of a lawsuit.
2. Liability coverage does not pay for your own vehicle repairs or medical expenses.
According to the III, the average collision coverage claim in 2021 was $5,010. This will be an out-of-pocket expense if you don’t have a full-coverage policy.
3. Liability coverage will not pay for damage caused by weather, theft, or vandalism.

Expert Insurance Professional Insight

Vice President Insurance Operations
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.
Oklahoma auto insurance costs an average of $1,363 per year or $114 per month for state-minimum coverage. Car insurance rates for a standard
full coverage policy
run about $2,304 per year or $192 monthly. 
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A full coverage policy may cost a bit more in the short term, but the financial and legal protections of higher coverage limits make it the more cost-effective option for the long term.
If you’re shopping with Jerry, you can easily adjust your coverages and liability limits and see how the changes impact your premium.
Remember: Car insurance premiums are highly individualized based on your age, gender, ZIP code, driving record, vehicle type, and other factors. You can help lower your premiums with
car insurance discounts
and by
selecting higher deductibles
on collision and comprehensive coverage, but the best way to ensure you always have the more affordable rate is to
compare multiple car insurance quotes
from different providers.
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If you have a car loan or lease, expect your lender to require you to carry collision and comprehensive coverage in addition to Oklahoma state minimum insurance. For leases, lenders typically also require 100/300/100 liability limits. 

Optional auto insurance coverage in Oklahoma

A full coverage car insurance policy with increased liability, comprehensive, and collision coverage opens up a world of add-ons that you can include in your Oklahoma auto insurance plan. Some of the best additional car insurance coverage options include:
  • Collision insurance
    : If you collide with a vehicle or stationary object, this coverage will pay for repairs, minus your deductible.
  • Comprehensive insurance
    : If your car is subject to vandalism, gets stolen, or gets damaged by fire or hail, your repairs are covered, minus your deductible.
  • Uninsured/underinsured motorist coverage
    : This pays for your medical expenses if you get into an accident with an at-fault driver who doesn’t have any or enough coverage.

Penalties for driving without insurance in Oklahoma

Driving without insurance
in Oklahoma is a criminal misdemeanor.2 If you’re unable to provide
proof of insurance
when requested by law enforcement, you could face a variety of penalties.3
Note that the penalties will differ if you’re involved in a
car accident while driving without insurance in Oklahoma
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Do you need full coverage in Oklahoma?

No. Oklahoma law only requires liability coverage—but if you have a car loan or lease, your lender will require you to carry both comprehensive and collision coverage.

What is considered full coverage in car insurance in Oklahoma?

In Oklahoma, as in the rest of the U.S., “full coverage” refers to a car insurance policy that includes state minimum insurance plus collision and comprehensive insurance. It’s the standard level of coverage needed by most drivers. 

Does insurance follow the car or the driver in Oklahoma?

As in most states, Oklahoma car insurance follows the car. As long as the driver gives permission, anyone driving the vehicle will be covered under the owner’s policy.

Do I need uninsured motorist coverage in Oklahoma?

Do you need uninsured motorist coverage in Oklahoma
? Oklahoma does not require drivers to carry uninsured motorist coverage. Uninsured motorist coverage is required to be provided by auto insurance companies. In order for a driver to not have uninsured motorist coverage on their policy, it is required to be rejected in writing per the state of Oklahoma.

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