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Published: December 11, 2018Last updated: November 4, 2022

Guide to Auto Insurance in Oklahoma

What you need to know before getting behind the wheel in Oklahoma

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Like most states, Oklahoma requires its 2.5 million drivers to carry auto insurance. Each year, car insurance costs Oklahomans an average of $908.95, which is 18 percent below the national average. If you don’t comply with Oklahoma’s auto insurance requirement, state authorities have the right to impound your vehicle. Read on to learn more about auto insurance in Oklahoma.

Required Insurance Coverages in Oklahoma

  • Bodily injury liability: ​​You need a minimum of $25,000 in bodily injury liability coverage per accident involving one person and $50,000 per accident involving two or more people. Bodily injury liability pays for the treatment of injuries the other party sustains in an accident. It does not pay for you or your passengers’ injuries.
  • Property damage liability: You need at least $25,000 in property damage liability coverage, which covers the other party’s property damages (usually their car). It doesn’t cover your vehicle.

Oklahoma doesn’t require other types of coverage, like medical payments or uninsured/underinsured motorist (UIM) coverage.

How Much Coverage Should I Buy in Oklahoma?

In general, it’s a good idea to purchase coverage beyond the state minimum, and this is the case in Oklahoma. While it’s not mandated by state law, consider buying medical payments, UIM, collision, and comprehensive coverage. You’ll pay more in premiums, but you will save you money in the event of an accident, especially if you’re at fault.

Type of coverage Whose losses does it cover? What does it cover? The minimum limit we recommend Deductible?
Bodily injury liability Other party’s Medical costs (injury or death) $500,000 No
Property damage liability Other party’s Property damages $500,000 No
Comprehensive Yours Vehicle damages from incidents other than collisions (e.g., weather, theft, vandalism) Actual market value of your vehicle Yes
Collision Yours Vehicle damages from collisions Actual market value of your vehicle Yes
Uninsured/underinsured motorist Yours Property damages and medical costs if someone with insufficient or no insurance hits your car $500,000 Yes
Medical payments Yours Medical costs (injury or death) $5,000 No

Average Rate of Car Insurance in Oklahoma

Each year, Oklahomans spend an average of $908.95 on auto insurance. The average annual rate of liability coverage is $504.79, collision is $338.87, and comprehensive is $270.19.1

Factors like your ZIP code, age, vehicle, and coverages can significantly affect the cost of insurance. We’ve seen annual premiums dip as low as $249 and swing as high as $7,433. Purchasing only minimum coverage will lower your premiums, though you could end up paying more in the event of an accident.

Teen insurance tends to be priciest, with an especially high cost of insurance for 16-year-olds because of young drivers’ lack of driving history. To see your insurance options, all drivers in Oklahoma should get car insurance quotes from multiple providers.

Car Insurance Companies in Oklahoma

  • AAA
  • Allstate
  • American Farmers & Ranchers
  • Auto-Owners
  • Equity
  • Farm Bureau
  • Farmers
  • GEICO
  • Liberty Mutual
  • MetLife
  • Nationwide
  • Progressive
  • Safe Auto
  • Safeco
  • Shelter
  • State Farm
  • The Hartford
  • Travelers
  • USAA

How to Lower Your Premiums in Oklahoma

  1. Ask your provider about discounts. You can get discounts on your auto insurance for having a clean driving record, low mileage, and college enrollment. Check out your provider’s website, or ask your agent about discounts.
  2. Bundle with other policies. Save money by combining your car insurance policy with other policies, like homeowners or renters insurance. You can also lower costs by combining multiple cars under one policy.
  3. Raise your deductible. Increasing your deductible for collision and comprehensive coverage will lower your monthly premiums. Just make sure you can afford the higher deductible in the event of an accident.
  4. Lower your limits. Lower your monthly costs by dropping any unnecessary coverages or lowering your liability limits. Keep in mind that your payout will be lower if you file a claim.

Proof of Car Insurance in Oklahoma

Oklahoma requires drivers to carry proof of auto insurance.

Penalty for driving without proof of insurance Details
Fine $250 (maximum)
Jail time 30 days (maximum)
License suspension Until you provide proof of insurance and pay the processing fee, up to $275 to reinstate license (separate from the fine)
Vehicle impoundment The law enforcement officer issuing the citation may have your vehicle towed until you provide proof of insurance and pay fines and fees. Alternatively, instead of towing, the officer may seize your license plates and issue temporary plates. You have 10 days from the citation to provide proof of insurance, pay fines and fees, and retrieve your plates.2

Oklahoma accepts both paper and electronic proof of insurance. Your insurer may provide digital proof of insurance on its mobile app, which you can also add to your smartphone wallet.

Driving Laws in Oklahoma

Fault System

Oklahoma is an at-fault state, meaning the driver who causes the accident must pay for the other party’s property damage and medical treatments. (In no-fault states, each party pays for their own medical treatments). That’s why it’s wise to purchase medical payments coverage, even though it’s not required. Otherwise, you’re on the hook for paying these costs out of pocket.

Oklahoma has modified comparative negligence laws, with a 50 percent rule. In a lawsuit, the court determines the percent of fault each party holds for the accident. If you hold more than 50 percent of the fault, you cannot recover any damages in court.

If you hold 50 percent or less, you can recover damages, but your recovery will be reduced by the degree of fault. For example, if you hold 20 percent of the fault for an accident, you can recover 80 percent of your damages.3

Uninsured Motorists

UIM coverage helps to pay for damages if a driver hits you and they hold inadequate or no insurance at all. In Oklahoma, UIM insurance includes hit-and-runs.

The state does not require UIM coverage, but it’s a good idea to purchase it anyway. In Oklahoma, 13 percent of drivers are insured — over 338,000 individuals. This is 7 percent above the national average.4

UIM insurance is stackable, meaning you can combine your UIM coverage across multiple vehicles. When you stack UIM coverage, your limits multiply by the number of cars you have. For example, if you choose limits of $50,000 for an accident involving one person and $100,000 for accidents involving two or more people, and you have two cars, your limits will increase to $100,000/$200,000.

CheckFYI

You can stack UIM coverage in Oklahoma, but only if your vehicles are on separate policies.

DUI Laws

In Oklahoma, a DUI will stay on your record for 10 years. The state considers driving with a blood alcohol concentration (BAC) of 0.15 or higher an aggravated DUI. If a minor was in the car at the time of the DUI, the fines double.

Oklahoma allows 15 days for a DUI lawyer to request a hearing with the Department of Public Safety, which may save an offender’s license. Here are other DUI penalties based on your offense number:

Offense number 1 2 3 4 and subsequent
Conviction Misdemeanor Felony Felony Felony
Fine (not including $100 assessment fee) $1,000 (maximum) $2,500 $5,000 $5,000
License revocation 180 days (maximum) 1 year 3 years 3 years
Jail time 10 days to 1 year 1-5 years 1-10 years 1-20 years
Ignition interlock device BAC under 0.15: Not required, but highly incentivized

BAC 0.15 and above: 18 months

4 years following license revocation or until driving privileges are reinstated, whichever is longer 5 years following license revocation or until driving privileges are reinstated, whichever is longer 5 years following license revocation or until driving privileges are reinstated, whichever is longer
Restorative justice Possible attendance at a victim impact panel program Possible attendance at a victim impact panel program Possible attendance at a victim impact panel program, 240 hours of community service Possible attendance at a victim impact panel program, 480 hours of community service
Treatment/monitoring Alcohol and substance abuse evaluation and treatment as the court requires Alcohol and substance abuse evaluation and treatment as the court requires, possible residential inpatient treatment and electronic monitoring Alcohol and substance abuse evaluation and treatment as the court requires, possible residential inpatient treatment and electronic monitoring Alcohol and substance abuse evaluation and treatment as the court requires, possible residential inpatient treatment and electronic monitoring, supervision and period testing for at least 1 year5

Seat Belt Laws

Oklahoma requires a driver and front seat passenger to buckle up. Enforcement is primary, meaning law enforcement can pull you over solely for being unbuckled. The fine for a seat belt violation is $20.

Additionally, Oklahoma requires a restraint system, like a car seat or booster, for children younger than 8.

Age Safety restraint type
0-2 Rear-facing car seat
2-4 Forward-facing car seat
4-8 Forward-facing car seat or child booster seat, unless the child is taller than 4’9”
8 and older (or taller than 4’9”) Must wear a seat belt, strongly recommended for back seat6

A violation of child restraint laws is separate from a seat belt violation and will result in a $50 fine, plus court fees.

The state recommends that children under 13 ride in the back seat and that children always wear seat belts, regardless of where they’re sitting. While seat belts are not required in the back seat, they save lives. The Governors Highway Safety Association examined 803 rear-seat fatalities that occurred in 2019 and found that wearing a seat belt could have prevented more than half of those deaths.7

Distracted Driving Laws

Distracted driving is any activity that diverts your attention from the road, including the following:

  • Texting
  • Eating
  • Applying makeup
  • Changing the music

In Oklahoma, texting and driving is punishable by a $100 fine. Enforcement is primary. The state also bans the use of handheld devices for teens with learner’s permits or intermediate licenses.

Teen Driver Laws

In Oklahoma, teens can start driving with a learner’s permit when they turn 15 ½. The fee to obtain a learner’s permit is $81.50. Teens must pass a written test and vision test, and provide the following documents:

  • Proof of identity, like a birth certificate or passport
  • For non-U.S. citizens, proof of lawful residence, like a green card
  • Two forms of proof of their current Oklahoma address
  • Social Security number

Teens must learn to drive under supervision, according to the following laws and restrictions.

License type Learner’s permit Intermediate license Unrestricted license
Minimum age to obtain 15.5 16 16.5
Minimum amount of supervised driving 50 hours, 10 of which must be at night None None
Nighttime driving restrictions 10 p.m. to 5 a.m. 10 p.m. to 5 a.m. (except under supervision, or for activities related to work, church, or school) None
Passenger restrictions None

(licensed driver at least 21 years old must accompany teen driver at all times)

No more than 1 passenger, except immediate family members None
Minimum required holding period 6 months 6 months with driver education, 12 months without, or until age 18 None

Statute of Limitations for Claims

You have two years after an accident to file a property damage or personal injury claim. After that, an insurance provider doesn’t have to pay for the claim.

Cancellation and Non-Renewal Notification Laws

An auto insurance company can cancel a policy that has been in force for over 60 days only in the following circumstances:

  • You did not pay the premium.
  • You committed fraud or misrepresented yourself significantly on your application.
  • The state revoked or suspended your license.

In Oklahoma, insurance providers must notify you at least 10 days prior to the policy effective date before a midterm cancellation, regardless of whether you paid your premium.

Unlike cancellations, non-renewals mean that either you or your provider decided not to renew a policy once it expired. An insurance company must give notice before a non-renewal and explain why it’s dropping your policy. According to the Insurance Information Institute, a provider might not renew your policy for these reasons:

  • It no longer offers that type of insurance.
  • It’s writing fewer policies in your area.
  • You received a DUI or did something else that raises the company’s risk.8

Insurance companies in Oklahoma must give you at least 20 days’ notice for a non-renewal.

Self-Insurance

Oklahoma allows for the self-insurance of a fleet of vehicles. To self-insure, you must own more than 25 vehicles and put up at least $100,000 in collateral.

Vehicle Inspection Requirements

The Oklahoma Department of Safety does not require any kind of annual inspection. This includes safety inspections, vehicle inspections, and smog checks.

SR-22s

An SR-22 is a certificate of financial responsibility which verifies that you have motor vehicle liability insurance. In most states, you need to file an SR-22 after a license revocation or serious traffic violation, like a DUI. However, Oklahoma is one of six states that doesn’t require SR-22s.

Defensive Driving

Defensive driving courses teach motorists strategies for avoiding hazards and staying safe on the road. Some insurance providers offer discounts for drivers who take a defensive driving course.

In Oklahoma, completing an approved six-hour defensive driving course will remove two points from your driving record. The state allows for a points reduction once every two years. Courses are available in person and online.9

Serious Injury and Monetary Thresholds

Because Oklahoma is a fault state, each party involved in an accident pays for damages based on their degree of fault. If a party doesn’t agree with the payout, they can file a lawsuit seeking uncompensated damages. There is no monetary or serious injury threshold for lawsuits, meaning a party can sue for any amount of losses.

Oklahoma has a damages cap, which limits recovery of non-economic losses (e.g., pain, distress, emotional suffering) in civil injury cases to $350,000. There is no limit for economic losses (e.g., medical bills, lost wages).

Accident Reporting Requirements

In Oklahoma, you must report an accident if it resulted in injury or property damage worth over $500, or if someone died. If the accident involved injury or death, you must report it immediately. For accidents resulting in property damage only, you have six months to report them to the police. Failure to report an accident in a timely manner can result in a license suspension.

Insurance Pricing Discrimination

Unfortunately, like nearly all states, Oklahoma allows insurance companies to discriminate based on credit score and gender when determining your insurance premiums. If you have a low credit score, it’s possible you’ll pay more for auto insurance. Additionally, men should expect to pay more than women for auto insurance.

When a Car Is Declared a Total Loss

A total loss means a vehicle cannot be safely repaired or the repairs will cost more than the state’s threshold. In Oklahoma, if repairs cost more than 60 percent of the vehicle’s actual market value, it’s a total loss.

For example, if your car’s actual market value is $10,000 and repairs will cost $6,000 or more, it will be declared a total loss. Your insurance provider will pay you the car’s market value unless you have new car replacement coverage.

Contact Information

How to Register Your Vehicle in Oklahoma

When you move to Oklahoma or purchase a car there, you have 30 days to register your vehicle with the Oklahoma Tax Commission (OTC). If you fail to register your car, you’ll accrue a fine of $1 per day until you reach the maximum fine of $100. Here’s how to avoid that fine:

  1. Gather the necessary documents and payments.
    • Proof of ownership
      • Manufacturer’s Certificate of Origin, for new vehicles
      • A current title that has been transferred to you, for used vehicles
      • Out-of-state title, if you just moved to Oklahoma
    • Proof of minimum liability insurance in Oklahoma
    • A completed Form 701-6 Application for Oklahoma Certificate of Title for a Vehicle (https://oklahoma.gov/content/dam/ok/en/tax/documents/forms/motor-vehicle/general-forms/701-6.pdf)
    • Lien documentation, if applicable
    • Odometer disclosure statement if the vehicle is 9 years old or newer (https://oklahoma.gov/content/dam/ok/en/tax/documents/forms/motor-vehicle/general-forms/729.pdf)
    • Payment for title and registration fees
      • Standard title fee: $11
      • Vehicle registration fee: $96 ($99 for a motorcycle)
      • Ownership transfer fee: $17
      • VIN and odometer reading: $4
      • Lien processing fee: $10 ($13 for out-of-state lienholder)
      • Sales or excise tax (which you can estimate at https://okcars.tax.ok.gov/_/)
  2. Visit your local tag agency. If you’re moving from out of state, the tag agent will perform a vehicle identification number and odometer inspection.

For additional information, refer to the following websites:

Information Website
List of tag agencies https://wa1.dps.state.ok.us/dls/motor_license_agents.php
Registration https://oklahoma.gov/tax/helpcenter/motor-vehicles.html?q=MVGEN15
Fees https://oklahoma.gov/tax/motor-vehicles/taxes-fees-penalties.html#fees
Forms https://oklahoma.gov/tax/forms.html

Here’s how to reach Oklahoma’s Motor Vehicle Services (MVS), its version of the DMV:

MVS Contact information
Phone 405-521-3221
Office 201 W. Fifth St., Suite 400

Tulsa, OK 74103

Hours Monday to Friday

​​8 a.m. to 4:30 p.m.

Online inquiry form https://oklahoma.gov/tax/contact/motor-vehicle.html

How to Get a Copy of Your Vehicle Title in Oklahoma

  1. Print and fill out Form 701-7 Application for Replacement Certificate of Title for Vehicle/Boat/Motor (https://oklahoma.gov/content/dam/ok/en/tax/documents/forms/motor-vehicle/general-forms/701-7.pdf).
  2. Get the document notarized; your local tag agency may have a notary.
  3. Enclose the fee, made payable to the OTC.
    • Title fee: $11
    • Mail fee (if applicable): $1.55
  4. Submit your completed application and payment to your local tag agent.
  5. Instead of submitting to your local agent, you may also mail your application and payment to the OTC. However, due to the volume of mail it receives, the office recommends using the tag agent. If you choose to mail your application, send it to this address:
    • Oklahoma Tax Commission
    • P.O. Box 26940
    • Oklahoma City, OK 73126-0940

CheckTIP

If you need to get a copy of your title, it’s usually faster to go through your local tag agent than the OTC.

How to Contact Oklahoma’s Insurance Department

Contact method Oklahoma Insurance Department
Mail 400 NE 50th St.

Oklahoma City, OK 73105

Phone 405-521-2828
Website https://www.oid.ok.gov/

Cost of Car Repairs in Oklahoma

The average cost of car repairs in Oklahoma is $378.89, which is 1 percent lower than the national average. The average cost of labor is $158.57, and the average cost of parts is $220.32.

Crime and Fatalities in Oklahoma

Motor Vehicle Theft

In 2020, there were 378 motor vehicle thefts per 100,000 Oklahomans, a rate 35 percent higher than the national average and the eighth highest in the country. The following areas are hotspots for car theft, and residents may pay higher premiums as a result:

Metropolitan statistical area Number of motor vehicle thefts per 100,000 inhabitants in 2020
Tulsa, OK 552
Oklahoma City, OK 362
Fort Smith, AR-OK 295
Lawton, OK 239
Enid, OK 192

Fatalities

In 2019, Oklahoma had a rate of 640 fatalities per 100 million miles traveled, which is 11 percent lower than the national average.

Conclusion

You’re an expert on driving in Oklahoma. For your other destinations, check out our state driving guide to learn about DUIs, tickets, car accidents, and more.

FAQs

Where can I find the cheapest car insurance in Oklahoma?

State Farm and GEICO tend to offer cheap car insurance rates in Oklahoma. If you or a family member is a military member or veteran, USAA also offers cheap options.

What is the average cost of car insurance per month in Oklahoma?

On average, Oklahomans spend $76 per month on auto insurance, or about $909 a year.

Is there low-income car insurance in Oklahoma?

Oklahoma does not offer low-income car insurance. Only three states — California, New Jersey, and Hawaii — provide government-sponsored insurance programs to help low-income people afford auto insurance.

What if I live in Oklahoma but my car insurance is out of state?

In most cases, it is illegal to live in Oklahoma and hold auto insurance from another state. When you move to Oklahoma, you have 30 days to switch your insurance and register your vehicle. If you intentionally keep your car registered in a state where you no longer live, you’re committing insurance fraud.

In the event of an accident, your insurer may refuse to pay for the claim, leaving you on the hook for thousands of dollars. Additionally, you can face the same penalties as driving without insurance at all, which include a $250 fine, a separate $275 processing fee, 30 days imprisonment, and license suspension and vehicle impoundment until you provide proof of proper coverage.

There are some exceptions to the in-state insurance requirement. If you are a college student from another state who is studying in Oklahoma, you can usually keep your auto insurance from your home state. Military members can keep their vehicles insured in the state of their legal residence, even if they are stationed in another state for long periods of time. Individuals who own multiple homes and split their time between them should register their vehicles in the state where they spend the most time.

Citations

  1. 2018/2019 Auto Insurance Database Report. National Association of Insurance Commissioners. (2022).
    https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf

  2. Penalties for Driving without Auto Insurance by State. Consumer Federation of America. (2014).
    https://consumerfed.org/pdfs/140310_penaltiesfordrivingwithoutautoinsurance_cfa.pdf

  3. CONTRIBUTORY NEGLIGENCE/COMPARATIVE FAULT LAWS IN ALL 5O STATES. MATTHIESEN, WICKERT & LEHRER, S.C. (2022).
    https://www.mwl-law.com/wp-content/uploads/2018/02/COMPARATIVE-FAULT-SYSTEMS-CHART.pdf

  4. One in Eight Drivers Uninsured. The Institutes. (2022).
    https://www.insurance-research.org/sites/default/files/downloads/UM%20NR%20032221.pdf

  5. 2014 Oklahoma Statutes. Justia. (2014).
    https://law.justia.com/codes/oklahoma/2014/title-47/section-47-11-902

  6. Laws. Oklahoma Highway Safety. (2022).
    https://ohso.ok.gov/laws1

  7. Rear Seat Belt Use: Little Change in Four Years, Much More to Do. Governors Highway Safety Association. (2019).
    https://www.ghsa.org/sites/default/files/2019-11/SpotlightSeatbelts2019H2.pdf

  8. What’s the difference between auto policy cancellation and nonrenewal?. Insurance Information Institute. (2022).
    https://www.iii.org/article/whats-the-difference-between-auto-policy-cancellation-and-nonrenewal

  9. Point System. Oklahoma Department of Public Safety. (2022).
    https://oklahoma.gov/dps/faqs/suspension-revocation-of-driving-privilege-faq/point-system-faq.html