Car Insurance in Oklahoma
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Introduction: Car Insurance in Oklahoma
Oklahoma has over 2.7 million licensed drivers, making car insurance a crucial requirement for residents. Whether you’re driving in Oklahoma City, commuting in Tulsa, or traveling through rural highways, car insurance in Oklahoma is legally required and provides financial protection.
Oklahoma has higher-than-average car insurance rates due to extreme weather risks, a high number of uninsured drivers, and accident rates. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Oklahoma is $1,966, which is above the national average of $1,674.
Oklahoma Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/25 Rule)
According to the Oklahoma Insurance Department (OID), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $25,000 for property damage per accident
Why Minimum Coverage May Not Be Enough:
- Medical bills from an accident can exceed $25,000 per person.
- Vehicle repair costs often surpass $25,000, especially for newer models.
- Oklahoma has a high number of uninsured drivers, making Uninsured/Underinsured Motorist (UM/UIM) coverage highly recommended.
Recommended Full Coverage for Better Protection
Many Oklahoma drivers choose full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Important due to Oklahoma’s tornadoes and hailstorms |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Crucial for financial protection |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers with limited health insurance |
Average Cost of Car Insurance in Oklahoma
Car insurance rates in Oklahoma vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Oklahoma Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $783 |
| Full Coverage | $1,966 |
Car Insurance Costs by Major Oklahoma Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Oklahoma City | $1,100 | $2,400 |
| Tulsa | $1,050 | $2,300 |
| Norman | $1,000 | $2,200 |
| Broken Arrow | $980 | $2,150 |
| Edmond | $990 | $2,180 |
| Lawton | $950 | $2,100 |
| Moore | $1,020 | $2,250 |
| Midwest City | $1,040 | $2,280 |
| Enid | $930 | $2,050 |
| Stillwater | $910 | $2,020 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16–19 Years | $4,800 – $6,800 | $8,500 – $10,500 |
| 20–24 Years | $2,600 – $3,800 | $5,500 – $7,000 |
| 25–34 Years | $1,500 – $2,200 | $3,500 – $4,800 |
| 35–44 Years | $1,300 – $2,000 | $3,200 – $4,500 |
| 45–54 Years | $1,200 – $1,800 | $3,000 – $4,200 |
| 55+ Years | $1,100 – $1,600 | $2,800 – $3,900 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and Oklahoma’s high-risk driving environment.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain significantly high.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to a stable driving history.
✔ Senior Drivers (70+ Years): Rates increase again due to age-related accident risks and medical conditions.
Factors Affecting Car Insurance Rates in Oklahoma
Several factors influence car insurance rates in Oklahoma, including:
- Extreme Weather Conditions: Tornadoes, hail, and severe storms increase insurance claims.
- Driving Record: Accidents, DUIs, and traffic violations significantly impact rates.
- Location: Urban areas like Oklahoma City and Tulsa have higher rates due to congestion and theft.
- Credit Score: Oklahoma insurers use credit history to determine premiums.
- Annual Mileage: Higher mileage increases accident risk and premiums.
- Vehicle Type: Luxury and high-performance vehicles cost more to insure.
- Litigation Costs: Oklahoma has a high rate of car insurance claims and lawsuits, contributing to expensive premiums.
Best Car Insurance Companies in Oklahoma (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,850 |
| State Farm | Best for Customer Service | $1,900 |
| Progressive | Best for High-Risk Drivers | $2,200 |
| Allstate | Best Full Coverage Options | $2,400 |
| USAA (Military Families) | Lowest Rates for Military | $1,700 |
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FAQs
Oklahoma law requires 25/50/25 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $25,000 for property damage.
The average minimum coverage costs around $65 per month, while full coverage averages $164 per month.
Smaller cities like Stillwater and Enid tend to have lower rates compared to Oklahoma City and Tulsa.
No, Oklahoma does not require uninsured motorist coverage, but it is highly recommended.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and comparing multiple quotes can help reduce costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.