Oklahoma car insurance

You could save up to 12% when you buy customized car insurance online¹

Common questions about Oklahoma

auto insurance

Need car insurance in Oklahoma? Whether you live in Oklahoma City (OKC) or Tulsa, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we’ve got you covered. We’ll help you customize your Oklahoma auto insurance, so you only pay for what you need.

oklahoma auto insurance quote

What car insurance is required in Oklahoma?

In Oklahoma, it’s illegal to drive without insurance. Drivers in Oklahoma are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Oklahoma.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident

Check out the Oklahoma Insurance Department for more details.

What liability insurance is required in Oklahoma?

Oklahoma law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It’s important to know this coverage doesn’t cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident

You may see this written as 25/50/25.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

Is Uninsured Motorist Coverage required in Oklahoma?

No, but it’s still important. Uninsured/Underinsured Motorist Coverage (UM/UIM) can help protect you if you’re in an accident with an uninsured or underinsured driver.

According to the Oklahoma Insurance Department, “Oklahoma’s percentage of uninsured motorists is among the highest in the nation.” So, whether you’re in OKC or another city, it could help give you more protection. Please note, in OK, drivers have to opt-out of UM/UIM in writing.

What’s the average cost of car insurance in Oklahoma?

The average cost of car insurance in Oklahoma was $1,592³ in 2021 according to thezebra.com. That’s 4% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Oklahoma auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

Who has the cheapest car insurance in Oklahoma?

Getting the cheapest car insurance in Oklahoma may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴

$817 lower than GEICO
$731 lower than Progressive
$839 lower than State Farm
$758 lower than Allstate

Save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700⁵

Violation-Free Discount

Great drivers are made, not born. You’ll get a discount if your driving history is violation-free.⁶

Multi-Car Discount

The more cars you insure with Liberty Mutual, the more you can save on your premium.⁶

RightTrack

Instantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.⁷

Claims Center

Have a claim? We’re here to help. To keep things simple, we made filing a claim online fast and easy. We’ll guide you through each step along the way.

Filing a claim online typically takes 10 minutes or less.

24-Hour Roadside Assistance

If your vehicle breaks down, we won’t leave you stranded. From a jump-start to a tow, let’s get you back on the road.¹

Glass-only auto claims

Is damage to your vehicle limited to the glass only? That’s a separate type of claim from a typical auto claim, get started filing online.

Auto claims

Learn more about the auto claims process, file a claim, or check the status of a current claim.

Homeowners claims

Learn more about the home claims process, file a claim, or check the status of a current claim.

Renters claims

Renters insurance is one of the best ways to protect your personal belongings. Need to file a claim? Get started now.

Small business claims

Review our solutions and resources for small businesses so you can rest assured what you’ve worked hard to build will be protected.

Pet insurance claims

Pet insurance helps protect your furry family members when they need it most. Need to file a claim? Start online in just a few steps.

What you’ll need to file a claim online

To make it easy for you, we just need the basics

Your username and password
The approximate date of the incident
General details of what happened

Other information, like a police report number or names of anyone else involved, can be added later, if applicable.

Why file online?

File on your time: You can file online 24/7, with no holds or wait times.

Takes 10 minutes or less: We simplified the experience to get you back to your routine faster.

Track and manage everything: Easily track and manage your claim online, right from your phone.

Oklahoma Auto Insurance Quote