Oklahoma car insurance: requirements & free quotes
Oklahoma is an at-fault state with a 25/50/25 minimum. Hailstorms and tornadoes in Tornado Alley make comprehensive coverage a key part of many policies.
Minimum coverage in Oklahoma
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Shown as 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Oklahoma
- Comprehensive coverage is important for hail and tornado damage.
- Uninsured motorist coverage protects you from drivers who carry no insurance.
- Ask about multi-policy and safe-driver discounts.
- Consider garage parking during storm season, and ask whether it affects your rate.
We connect drivers across Oklahoma
Including Oklahoma City, Tulsa, Norman, Broken Arrow and Edmond — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Oklahoma car insurance FAQ
No. Oklahoma is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.