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Oklahoma Car Insurance Resources

Oklahoma Car Insurance

Car Insurance Rates in OK

^ From 2006 to 2010, Oklahoma cities had the 33rd highest auto insurance rates in the nation. [2]

Car Insurance in OK by City

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Cars Insured in OK

^ Oklahoma ranked 27th of all U.S. states in total auto insurance policies in 2011. [1]

OK Car Insurance

Car Insurance in Oklahoma

Car Insurance Liability Requirements in Oklahoma

  • Minimum Liability Limits in OK: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Oklahoma

Required Car Insurance Coverage in Oklahoma
  • Auto Insurance Coverage Requirements in OK [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Oklahoma

  • Insurer Verification of Auto Insurance in OK [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify randomly selected insurance policies upon request.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Oklahoma Car Insurance Facts, Estimates & Related Laws

Oklahoma Car Insurance Facts

Oklahoma Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in OK
    • Oklahoma had the 31st highest auto insurance rates in the nation in 2010. [2]
    • Rates in OK ranked 32nd in the nation in 2009. [2]
    • In 2008, OK had the 35th highest rates in the country. [2]
  • Number of Auto Insurance Policies in OK
    • Oklahoma ranked 27th in the nation in auto insurance policies in 2011 with a total of 2,823,487. [1]
  • Uninsured Motorist Rate in OK
    • The uninsured motorist rate in OK ranked 3rd in the nation in 2009. [3]

Oklahoma Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for learner's permit and intermediate license holders. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for learner's permit holders, intermediate license holders, school bus drivers and public transit drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Oklahoma Automotive Laws

  • Safety Belt Laws in OK
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 13+ years in front seat. [7]
    • Child restraint law in place for 5 years and younger. [7]
  • Motorcycle Helmet Laws in OK
    • Motorcycle helmets required for 17 and younger. [7]
  • Driver's License Renewal Cycle in OK
    • Renewal cycle: 4 years [7]

Oklahoma Auto & Driver Facts

Oklahoma Automotive Facts

Oklahoma Auto & Driver Facts
  • Speed Limits in OK
    • Rural interstates: 75 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 70 mph [7]
  • Motor Fuel Consumption in OK
    • Oklahoma cities collectively ranked 27th in the nation in total motor fuel consumption in 2011. [9]

Oklahoma Licensed Drivers

  • Licensed Drivers in OK [10]
    • Total Drivers: 2,370,643
    • Female: 1,287,040
    • Male: 1,083,603
    • OK has the 29th most drivers in the U.S.
  • Minimum Driving Age in OK [5]
    • Oklahoma has a minimum driving age of 15 years, 6 months.

Oklahoma Auto Registrations

  • Auto Registrations in OK [8]
    • Registered Cars: 1,522,613
    • Registered Trucks: 1,770,636
    • Registered Motorcycles: 127,150
    • Total Registrations: 3,428,689
    • Rank: Oklahoma ranked 28th in the United States in total auto registrations in 2011.

Additional information about Oklahoma

About Oklahoma

Oklahoma has a population of approximately 3,751,351, which ranks 28th in the U.S. among all states. [6]

OK Car Insurance

More about Oklahoma auto insurance

For more information about auto insurance in OK, or for additional resources regarding Oklahoma car insurance, visit the Oklahoma Department of Insurance.

Did you know?

Some motorcyclists are currently required by law to wear a helmet in 47 states and the District of Columbia.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Oklahoma Cities