Auto Insurance in Oklahoma: Auto Insurance Requirements

In Oklahoma, drivers must have auto insurance that meets the state’s requirements. In 2013, Oklahoma passed a law that requires every driver to have liability insurance. This type of insurance pays for injuries and damages caused by the driver in an accident. It is illegal to drive with no coverage in place.

Auto Insurance in Oklahoma

Auto Insurance Requirements in Oklahoma

Drivers must meet the requirements set out by the financial responsibility law in order to drive legally in the state of Oklahoma. Drivers must carry liability insurance and if they own a vehicle that is less than 8 years old, they must also carry uninsured/underinsured motorist protection and PIP coverage.

Financial Responsibility Law (FR) in Oklahoma

The financial responsibility law requires all drivers to have bodily injury liability insurance. This coverage covers injuries and damages inflicted on people in an accident. The minimum amount of coverage required is $25,000 per person. Drivers with a DUI or DWI conviction on their record must show proof of financial responsibility annually.

Proof of Insurance in Oklahoma

Oklahoma drivers can provide proof of insurance by submitting one of several proofs of insurance. The options are:

  • A copy of the vehicle’s complete registration form
  • A copy of the owner’s car insurance policy declaration page
  • An SR-22 certificate
  • A letter from the insurance company
  • Receipts of payment for insurance premiums
  • A copy of the driver’s auto policy
  • Any other documentation that confirms the driver has the required liability coverage in place. If drivers can show proof of insurance, they may avoid fines and penalties for driving without insurance. If a driver cannot provide proof of insurance, they may face up to $500 in fines and 30 days imprisonment.

Penalties for Driving Without Insurance in Oklahoma

Drivers found driving with no car insurance can face penalties that include:

  • License suspension or revocation
  • Fines and court costs
  • A one-year requirement to have SR-22 insurance
  • Increased car insurance rates

Drivers who can show proof of insurance will avoid these penalties. However, Oklahoma drivers are still responsible for paying any outstanding fines associated with driving without insurance in the state.

Where to Get Cheap Car Insurance in Oklahoma

Oklahoma drivers looking for cheap auto insurance can compare quotes from multiple providers in their area to find the coverages and rates that work best for them. You can also call each company directly or fill out a form online to get quotes without talking with a salesperson. The information gathered by comparison shopping is kept private and secure until a driver decides on an insurer to do business with

Cheap Full Coverage in Oklahoma

A driver can find cheap car insurance in Oklahoma by comparing quotes from multiple providers. The information gathered will remain private and secure until a driver decides on an insurer to do business with

Best Car Insurance Companies in Oklahoma

Some of the best auto insurance companies for drivers looking to get inexpensive auto policies include:

  1. GEICO
  2. Progressive
  3. Allstate
  4. Farmers
  5. Liberty Mutual
  6. Encompass Insurance Group
  7. CSE Insurance Agency LLC
  8. The General
  9. 21st Century Insurance
  10. Titan Financial Group LLC dba PFSweb, Inc. dba

Compare Oklahoma Quotes Online

A driver can get competitive auto insurance quotes from multiple providers quickly and easily by using a comparison shopping service to find the policies and premiums that work best for them. A few of the popular comparison sites include InsureMe, AccuQuote, eSurance and NetQuote

Average Cost of Car Insurance in Oklahoma

In 2007, the average cost of auto insurance in Oklahoma was $902.80 per year. This is around $100 less than the national average.

Drivers With a DUI in Oklahoma

Oklahoma drivers convicted of driving under the influence will usually see an increase of around 30% in their car insurance premiums. This is called the SR-22 surcharge, which must be maintained for three years after conviction – or until you receive three consecutive years with no accidents or traffic violations. If you are involved in an accident during that time, your surcharge will be increased to 100% of your premiums. You may also see these increases if found guilty of negligent or reckless driving.

Drivers With Tickets in Oklahoma

Oklahoma drivers accumulating too many traffic tickets over 3 years can face expensive car insurance quotes. Accumulating 7 or more moving violations over 3 years will usually result in the driver being considered a high-risk driver. High-risk drivers are generally charged double the standard premium for car insurance.

Drivers With Bad Credit in Oklahoma

A driver with bad credit may be charged higher rates for their car insurance policy. This is because the cost of car insurance is based on a variety of factors, which include:

  • Your driving history
  • The make and model of your vehicle
  • Your age and gender
  • Where you live, this makes it difficult for insurers to determine whether or not you will file a claim, so they may raise rates to cover their risk.

We consider this a positive thing because we want our people to be safe and secure for the future.

Seniors in Oklahoma

Oklahoma car insurance rates do not vary depending on your age. However, seniors may receive lower rates than other drivers because most insurers tend to believe that seniors have experience behind the wheel, which helps them be safe drivers.

Student Drivers in Oklahoma

A student driver may find that they cannot receive a quote for car insurance. This is due to a lack of driving experience and credit history. Unfortunately, most insurers require at least one year of responsible driving before giving a driver a quote. However, other car insurance companies will provide coverage to junior drivers. These insurers include:

  • The Insurance Store of Oklahoma
  • 21st Century Insurance
  • Almighty Insurance and Financial Services LLC
  • American Family Mutual Insurance Company
  • Encompass Insurance Group
  • Heartland Insurance
  • State Farm Fire and Casualty Company
  • Tokio Marine HCC

Military Drivers in Oklahoma

If you are a military member, you may be eligible for discounts on your car insurance. However, this is based on your branch of service and where you will be stationed.

Car Insurance in Oklahoma

In 2007, the average cost of car insurance in Oklahoma was $902.80 per year. A driver would pay around $81.63 monthly to insure their vehicle or slightly less than $1 daily. This figure can be used to compare quotes and help you find the best deal for your situation.


We hope this guide has helped you find the cheapest car insurance in Oklahoma. If not, we recommend you look at some of our other pages on how to get cheap full coverage and compare quotes online from top carriers. In addition to being able to save money with lower rates, it’s important for all drivers in OK – whether new or experienced – to know what type of driver they are when getting their quote so they can make sure they have the right level of protection for themselves against loss if an accident occurs.

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