Oklahoma car insurance: minimums, prices and your estimate
Oklahoma requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Oklahoma is an at-fault state with no PIP requirement. Every policy includes uninsured motorist coverage unless you reject it in writing, and it also pays when an at-fault driver's limits are less than your damages.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in Oklahoma can expect to pay
Monthly ranges from our model, anchored to Oklahoma's position in 7 published price studies from 2025 and 2026 ($2,880 a year for full coverage and $641 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $207-$273 | $2,880 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $46-$61 | $641 |
| Young driver, full coverage20, own policy, clean record | $384-$576 | $5,760 |
| Senior, full coverage70, clean record | $198-$263 | $2,765 |
| After one at-fault accident35, full coverage | $310-$410 | $4,320 |
| After a DUI35, full coverage | $361-$542 | $5,414 |
| Poor credit35, clean record, full coverage | $368-$530 | $5,386 |
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Rules worth knowing in Oklahoma
- Uninsured motorist coverage must be at least 25/50, and insurers must offer limits up to your bodily injury limits. Rejecting it or choosing lower limits takes a separate signed form approved by the Insurance Commissioner, and that form stays valid for the life of the policy.
- The Oklahoma Insurance Department cites an industry recommendation of 100/300/100 for liability coverage.
- Many insurers use credit-based insurance scores, but credit alone cannot be the reason to deny, cancel or nonrenew a policy or to set your renewal rate. Having no credit history cannot count against you, and you can ask to be re-rated at renewal.
- You must keep coverage in force at all times and carry proof in your vehicle. The state also accepts a cash deposit of at least $75,000, or a $75,000 certificate of deposit, with the Department of Public Safety as proof of financial responsibility.
- Oklahoma uses SR-22 filings under its Financial Responsibility Act, and the state sets how long you must keep one, so check the period with Oklahoma's driver licensing agency.
Questions about Oklahoma car insurance
What is the minimum car insurance in Oklahoma?
Oklahoma requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Oklahoma per month?
For a 35-year-old with a clean record, our model puts full coverage at about $207 to $273 a month and state-minimum coverage at about $46 to $61. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Oklahoma a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Oklahoma use my credit score?
Yes. Many insurers in Oklahoma use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Oklahoma?
Only if a court or the state requires one, usually after a serious violation or a lapse. Oklahoma uses SR-22 filings under its Financial Responsibility Act, and the state sets how long you must keep one, so check the period with Oklahoma's driver licensing agency.