Car Insurance in Oklahoma
Figures updated
What Oklahoma drivers pay, plus the legal minimum and the cheapest insurers
- $121.Average monthly cost for full coverage
- 25/50/25.Lowest allowed liability amounts
- 23rd of 51.the most expensive state (1st = highest).
Car insurance costs in Oklahoma
Full coverage costs the average Oklahoma driver $1,454 each year, or about $121 monthly A policy that meets only the legal minimum costs $616 per year on average It costs 10% less each year than the US average of $1,613.
| Coverage in Oklahoma | Per year | Per month |
|---|---|---|
| Liability | $616 | $51 |
| Collision | $460 | $38 |
| Comprehensive | $378 | $32 |
| Full coverage (all three) | $1,454 | $121 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The minimum required under Oklahoma law
Oklahoma law sets minimum liability at 25/50/25. The limit for each person hurt is $25,000. One crash has a $50,000 limit for everyone hurt. Damage to other people's property has a $25,000 limit.
Oklahoma's at-fault rule makes the driver who causes a crash responsible for payment through their liability cover.
You don't need uninsured motorist cover. However, in most states, insurers must offer it.
Source: Oklahoma Insurance Department, Auto Insurance Common Myths.
Lowest-cost insurers in the Oklahoma rate guide
Married male, 36, principal operator, 18-mile round-trip commute, no accidents or violations in 3 years, 12,000 mi/yr, 2018 Chevrolet Malibu LS, 25/50/25 + comp/coll $500 ded. The annual premiums come from the state's comparison guide
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | GEICO | $782 | $65 |
| 2 | Safeco Insurance Co. of America | $1,108 | $92 |
| 3 | USAA | $1,384 | $115 |
| 4 | USAA | $1,452 | $121 |
| 5 | Garrison Property & Casualty Insurance Co. | $1,572 | $131 |
Source: Oklahoma Insurance Department: Auto Insurance Rate Comparison (Updated September 2026).
How many drivers in Oklahoma lack insurance?
In 2023, about 12% of Oklahoma drivers had no car insurance, the 27th highest rate among the 51 If an uninsured driver hits you, this coverage pays your bills.
More car insurance facts for Oklahoma
The first version was written