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Auto Insurance Minimum Cover For Oklahoma Plus Fines And Penalties

If your Oklahoma auto insurance rates are skyrocketing out of control all you have to do is enter you five digit zip code at the top of the page to compare quotes from top insurance firms.

Oklahoma’s minimum car insurance requirement is as follows

CoverageOklahoma Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury$25,000 / $50,000$50,000 / $100,000
Property Damage$25,000$25,000
Uninsured Motorist (Bodily Injury)Optional50,000 / 100,000
Uninsured Motorist (Property Damage)Optional25,000
CollisionOptional$500 deductible
ComprehensiveOptional$500 deductible

Bodily Injury Liability

Each Oklahoma motorist must get at least $25,000 of cover for injuries to a single person and $50,000 for multiple passengers to pay for doctor’s costs in the event they are injured in an auto accident where the insured is at-fault in the accident.

Property Damage Liability

Property damage liability covers damage to private and public property like buildings, places of business, and traffic lights and the other person’s vehicle. The minimum quantity of coverage in the state of OK is $25,000 for repairs per accident.

The set limit for OK is 25/50/25 and it is recommend to get additional cover for your vehicle if you want to be sure to protect your assets. Other recommend cover for your automobile in OK is uninsured motorist protection, medical payments cover, comprehensive, and collision.

Table – Affordable Auto Insurance Providers in Oklahoma

RankAuto Insurance CompanyAverage Annual Rate
3State Farm$964
4Oklahoma Farmers Union$967
6OK Farm Bureau$1,145
10Safe Auto$1,481

Charts and Graphs of Insurance Providers

Chart 1

This is graphs shows the most affordable auto insurance firms in the state of Oklahoma

Chart 2

This is a second graph comparison auto insurance providers in Oklahoma

Local Car Insurance Agents – Avg. Premium – Popular Cities

Click on any link to find local agents.

CityAvg. Premium
Broken Arrow$1,241
Midwest City$965
Oklahoma City$1,278

Charts – Comparison of Auto Insurance – Major Cities in OK

Oklahoma City

This graph shows the average price of auto insurance firms in the city of Oklahoma City, OK.


This graph shows the lowest price for auto insurance in the city of Stillwater, Oklahoma.


This graph shows the lowest price for auto insurance in the city of Tulsa, Oklahoma.

Uninsured Motorist Protection

Uninsured motorist protection is going to cover members of your family, passengers of your car for personal injuries caused by an uninsured motorist or hit and run driver.

This cover does “not” pay for damage to your car. If you want the damage to your car to be covered then you would need collision cover. Collision cover will protect you in the event another driver hits you or you hit an object.

Comprehensive cover will cover all other “non-collision” accidents like natural disasters such as tornadoes, or if you car is stolen.

Medical payments is another optional coverage and many believe they do not need if they have a health insurance policy.

If you have medical payment on your policy it will cover the deductible for the health insurance policy.

Also, your health insurance cover may not extend to all passengers so it may be a good idea to consider this type of cover.

You want to be sure to ask for the available discounts available in OK:

By PopularityDiscount AvailableTypical Percentage Discount
1Multi-car10 Percent
2Multi-policy10 Percent
3Anti-theft or security system5 Percent
4Good student5 Percent
5Driver eduction10 - 15 Percent
6Safety course10 - 20 Percent
7VIN “etching” discounts*5 Percent

Note: These are only estimates and results will vary by insurance provider.

*VIN etching is a countermeasure to motor vehicle theft that involves etching a vehicle’s VIN onto its windows to reduce the value of a stolen vehicle to thieves.

Driving without insurance in OK fines and penalties:

  • $250 fine and/or 30 days in jail, plus suspension of license and registration if no accident is involved.

  • If an accident is involved – $344 fine and/or 30 days in jail, plus suspension of license and registration

  • Drivers will be required to pay a $30 reinstatement fee

  • As of 2010 if you fail to provide proof of insurance to the police officer your vehicle can be impounded on the spot and your license and registration is forfeited until you provide proof of coverage.

Local Auto Insurance Agents in Oklahoma – Less Populous Cities

Click on any link to search local agents.

City Avg. Premium
Del City$794
El Reno$674
Ponca City$756
Sand Springs$1,161

Final Thoughts

At Autoinsuresavings we want the experience of comparing car insurance as enjoyable as possible.

If you enter your five digit zip at the top of the page you can get free Oklahoma insurance quotes.

You have no obligation, you can chat online with an agent, or ask for them to call you back at your convenience. Finding cheap car insurance is easy here and we hope you enjoyed your stay.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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