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Better rates for better drivers in Oklahoma

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Good drivers in Oklahoma deserve fair and affordable car insurance

From Tulsa to Oklahoma City, and Yukon to Norman, safe drivers in Oklahoma can get great coverage at a rate they deserve with Root. We only insure good drivers, so we don’t have to inflate our prices to cover the distracted and just plain bad drivers out there. In fact, safe drivers in the Sooner State could save hundreds on their Oklahoma auto insurance policy by switching to Root.

How it works

Most car insurance companies use demographic data to price their coverages. Demographics are things like age, credit score, ZIP code, and marital status. We don’t think that’s fair, so we base our rates primarily on how you drive. From OKC to Tulsa and Norman to Broken Arrow, we have better rates for better drivers.

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We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State requirements for car insurance in Oklahoma

What are the minimum requirements for Oklahoma auto insurance?

To legally operate a vehicle in Oklahoma, you must carry Liability insurance and Uninsured/Underinsured Motorist protection. If you’re found driving without these, you can face fines, a suspended driver’s license, suspension of your vehicle registration, and 30 days in jail.

Liability coverage

Liability coverage helps pay for property damage or bodily injuries that occur from a car accident you are responsible for. It does not cover harm to you or your family members—that’s what Medical Payments or Personal Injury Protection (PIP) coverages are for. Liability does not cover your vehicle, but Collision and Comprehensive coverages do.

Minimum required Liability coverage in Oklahoma:

  • $25,000 Bodily Injury (per person)

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

  • $25,000 Property Damage (per accident)

You can always select higher limits.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

Uninsured and Underinsured Motorist coverage will help pay your expenses when you're in a car accident with a driver who doesn’t have car insurance, or whose car insurance coverage 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 in Oklahoma:

  • $25,000 Bodily Injury (per person)

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

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

What other coverages does Root offer?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Oklahoma?

On average, Oklahomans pay $1,468[1] in annual car insurance premiums. That means some drivers are paying a lot more, but there’s good news—switching to Root saves our customers up to $900 a year.

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Start saving on Oklahoma car insurance

Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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  1. Annual average rates were compiled in April 2020

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.