Liability Car Insurance in Oklahoma
Numbers refreshed
Oklahoma's cheapest legal policy: the price you pay and the gaps it leaves.
- Averages $51 a month for liability.
- The minimum liability limits: 25/50/25.
- 23rd of 51.the most expensive state (1st = highest).
The cost of liability in Oklahoma
Paying for liability-only car insurance in Oklahoma runs $616 a year on average, or about $51 a month. For liability, it ranks as the 31st most expensive state.
| 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).
What you're left paying at the minimum
Oklahoma's minimum liability requirement is 25/50/25. Each person hurt is covered up to $25,000, everyone hurt in one crash up to $50,000, and damage to other people's property up to $25,000.
Claims paid under liability go to the other people involved. Unless you add collision coverage, fixing your own car is on you.
Any amount a crash costs beyond your limits can be claimed from you. Raising your limits usually costs much less than the extra protection you gain.
First written