Oklahoma
Oklahoma

Find out how much you can save on Oklahoma car insurance.

Download the app. Take a test drive around the Sooner State. Get a free quote.

Why choose Root for your Oklahoma insurance policy?

Fair and affordable car insurance has finally come to Oklahoma. Whether you’re cruising the iconic Route 66, looking for a parking spot on Main Street in Enid, or navigating rush hour at the junction of I-35, I-40, and I-44 in Oklahoma City, Root’s got you covered. With Root, if you drive safely, you’ll pay up to 52% less to insure your car.

What makes Root different from traditional insurers in Oklahoma?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance system by bringing fairness and ease to customers across the Sooner State.

It’s a good time to be a good driver in Oklahoma.

Since Oklahoma is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the best drivers of the Sooner State—from Tulsa to Oklahoma City, Lawton to Stillwater, and all points between (we’re looking at you, Edmond).

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Oklahoma?

To legally operate a vehicle in Oklahoma, you must carry liability insurance and uninsured/underinsured motorist protection. If you’re found driving without it, you can face fines up to $250, a suspended driver’s license, suspension of your vehicle registration, and 30 days in jail.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in OK:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)
  • $25,000 Property Damage

You can always opt for higher limits if you want more coverage.

Uninsured and Underinsured Motorist Coverage (UM/UIM)

Uninsured and underinsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance, or whose car insurance amounts won't adequately cover your costs. Insurance companies in Oklahoma are required to offer this coverage as part of your policy. However you can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required uninsured/underinsured motorist coverage:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)

Again, you can always opt for more coverage.

When do you need to show proof of insurance?

You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Personal Injury Protection
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What are the fines and penalties if you’re caught without insurance?

The penalties for driving without car insurance in Oklahoma include:

  • A fine of up to $250
  • 30 days in jail
  • Suspension of your driver’s license
  • Suspension of your vehicle registration

What is the average cost of car insurance in Oklahoma?

The average Oklahoman pays $1,4762 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $1,112/year on average—all while enjoying fair and simple car insurance.

What our customers tell us

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Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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