Affordable Oklahoma car insurance that puts you first
Root rewards Oklahoma drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Oklahoma auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Oklahoma auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Sooner State
Oklahoma’s two biggest cities sit along I-44, but the road between them is only part of the story. Norman, Lawton, Stillwater, and communities along historic Route 66 give Sooner State drivers plenty more to navigate.
OKC to Tulsa: I-44 connects Oklahoma City and Tulsa, while I-35 and I-40 intersect in the Oklahoma City metro.
Across Oklahoma: I-35 heads through Norman toward Texas, while Route 66 takes drivers through towns and landmarks across the northeastern and central parts of the state.
Check the highway: The Oklahoma Department of Transportation provides official road and transportation information for drivers statewide.
From Oklahoma City to Tulsa and beyond: Explore Oklahoma car insurance from Root.
Oklahoma's minimum auto insurance requirements
To legally operate a vehicle in Oklahoma, you must carry Liability insurance. If you’re found driving without the required coverage, you can face fines, a suspended driver’s license, suspension of your vehicle registration, and 30 days in jail.
The minimum Liability coverage amounts required for drivers in Oklahoma are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist coverage (UM/UIM) is optional in Oklahoma and provides additional protection if you’re in an accident with a driver who has no insurance or not enough insurance to cover your injuries. Coverage amounts include:
$25,000 bodily injury per person
$50,000 bodily injury per accident when multiple people are injured
Types of Oklahoma auto insurance we offer
Explore our Oklahoma car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Oklahoma?
The average Oklahoma driver pays $2,993 per year for full coverage car insurance [2].
Root customers looking to purchase Oklahoma car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Oklahoma Auto Insurance FAQs
What is the minimum car insurance required in Oklahoma?
To legally operate a vehicle in Oklahoma, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Oklahoma.
Is it legal to drive without insurance in Oklahoma?
No, you cannot legally drive without auto insurance in Oklahoma. State law requires drivers to maintain liability insurance and carry proof of coverage. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Oklahoma?
Yes. Oklahoma requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Oklahoma?
The easiest ways to save on your Oklahoma car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Sooner State.
Is Oklahoma a no-fault car insurance state?
No, Oklahoma is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Oklahoma?
Oklahoma law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for physical damage to your own vehicle after an accident, regardless of who caused it. Comprehensive coverage helps protect your vehicle from physical damage caused by covered events other than a collision, such as theft, vandalism, or weather.
Is uninsured / underinsured motorist coverage required in Oklahoma?
No, Oklahoma drivers are not required to carry uninsured/underinsured motorist coverage. Insurers must offer UM/UIM bodily injury coverage, which helps pay for injuries if you're in an accident with a driver who has no insurance or not enough coverage. You can reject this optional coverage in writing. Root offers UM/UIM bodily injury coverage in Oklahoma, and you can choose your coverage in our app.
UM/UIM bodily injury coverage does not pay for physical damage to your vehicle. Collision coverage helps pay for damage to your car after a covered collision, regardless of fault, while comprehensive coverage protects against covered non-collision events, such as theft, vandalism, or weather. Uninsured motorist property damage (UMPD) coverage is not required to be offered in Oklahoma, and Root does not offer it in the state.
Does Root offer full coverage car insurance in Oklahoma?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Oklahoma?
Oklahoma generally does not use SR-22 filings the way many other states do. If your license is suspended for a serious violation, such as a DUI or driving without insurance, you may still need to provide proof of insurance to regain your driving privileges. Visit Oklahoma's license suspension and reinstatement page to learn more about the requirements.
How does Oklahoma catch uninsured drivers?
Oklahoma's Uninsured Vehicle Enforcement Diversion (UVED) program uses license plate reader cameras to identify potentially uninsured vehicles on the road. If your vehicle is flagged, you may receive a notice offering the opportunity to avoid criminal proceedings through voluntary enrollment.
To enroll, you must obtain liability insurance, pay a $190 enrollment fee, and agree to maintain coverage for two years. Enrollment is not required, and drivers who believe they received a notice in error can submit documentation to dispute it.
What happens if I'm partly at fault for an accident in Oklahoma?
Oklahoma follows a modified comparative negligence rule with a 51% threshold. You can generally recover damages if you're 50% or less at fault compared to the other party or the combined fault of the other parties involved. Your compensation is reduced by your percentage of fault. If you're found 51% or more at fault, you generally cannot recover damages from the other responsible party or parties.
Helpful resources for Oklahoma drivers
Service Oklahoma
Service Oklahoma issues driver's licenses and ID cards and handles vehicle titles, tags, and registrations.
Oklahoma Insurance Department
The Oklahoma Insurance Department regulates insurance in the state and helps consumers with insurance questions and complaints.
Oklahoma Department of Transportation
Start saving on car insurance
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References
Oklahoma Insurance Department. Auto Insurance: Common Myths.
Insure.com. Annual average rates were compiled in 2026.