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Oklahoma Car Insurance Rates

Car insurance is expensive in Oklahoma, driven by high numbers of uninsured motorists and a high numbers of claims from hail and thunderstorms. The good news is that rates differ substantially from company to company -- and you can usually save hundreds by comparing. We display a sample of state car insurance rates in every Oklahoma ZIP code below.

Oklahoma car insurance requirements

Oklahoma state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $25,000

Oklahoma Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Oklahoma
  • 74110: $2,258
  • 74106: $2,238
  • 74115: $2,224
  • 74103: $2,217
Cheapest Neighborhoods
In Oklahoma
  • 74003: $1,743
  • 74604: $1,745
  • 74006: $1,746
  • 74022: $1,751

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What you need to know about car insurance in Oklahoma

Penny Gusner
Consumer Analyst

Oklahoma mandates that motorists purchase liability of $25,000 per person/$50,000 per incident for bodily injury and $25,000 for property damage. This is written as 25/50/25; if you don't have much in savings or a home, it may be enough coverage. Other drivers should consider raising these limits.

Oklahoma is one of the more expensive states for car insurance, at least partly because it also has one of the highest rates of uninsured motorists, according to the Insurance Research Council.

Uninsured/underinsured motorist bodily injury coverage is not required, but you must be offered the option. If you have good health insurance of your own that covers injuries from auto accidents, you can save money by declining uninsured motorist coverage.

Oklahoma also is pelted by hail more often than most states; if you don't have comprehensive coverage, you'll have to pay for repairs on your own.

Discount for driving course: Oklahoma mandates a three-year discount on auto insurance for drivers who successfully complete an approved accident-prevention course. However, the discount doesn't apply if you take the course as part of your penalty for a traffic violation or a DUI offense.

Online insurance check: The Oklahoma Department of Public Safety allows car owners to verify online that their auto insurance policy has been reported to the state's online insurance verification system. You'll need to have your vehicle's identification number (VIN), car insurance policy number and name of your Oklahoma car insurance company on hand.