Oklahoma car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Oklahoma?

Yes , Oklahoma requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Oklahoma car insurance laws

Oklahoma requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Oklahoma drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Oklahoma car insurance requirements

Oklahoma requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Oklahoma liability minimums are 25/50/25.

The average cost of a minimum coverage policy is $408. However, Progressive has the lowest minimum car insurance rates, averaging $254.

The table below shows the top insurers' average rates for minimum coverage in Oklahoma.

Company	Average annual premium	Average monthly premium
Progressive	$254	$21
State Farm	$289	$24
Geico	$291	$24
AFR Insurance	$334	$28
Mercury Insurance	$343	$29
Shelter Insurance	$417	$35
Oklahoma Farm Bureau	$619	$52
Allstate	$639	$53
Farmers	$641	$53
USAA	$268	$22

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Oklahoma car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $408. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Oklahoma.

The cheapest company for minimum coverage in Oklahoma is Progressive at an average rate of $254 annually.

State minimum coverage limit	25/50/25
Average annual premium	$408
Average monthly premium	$34

Read our methodology

Are the Oklahoma minimum coverage requirements changing in 2025?

Oklahoma car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Oklahoma?

Oklahoma requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Oklahoma drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Oklahoma minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Oklahoma?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Oklahoma penalties for driving without car insurance

Since Oklahoma requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Oklahoma car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$250
Other penalties	License suspension
Jail time	Possible

Read our methodology

Oklahoma minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. AFR Insurance has the best rates for teens with minimum coverage averaging $710. Progressive offers the cheapest coverage for adults at $259.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $415, and the average rate for a 40-year-old male is $401, a difference of $14.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	AFR Insurance	$934	$78
16	State Farm	$1,336	$111
16	Geico	$1,816	$151
16	Shelter Insurance	$1,863	$155
16	Progressive	$2,126	$177
16	Mercury Insurance	$2,326	$194
16	Oklahoma Farm Bureau	$3,073	$256
16	Allstate	$3,512	$293
16	Farmers	$4,787	$399
17	AFR Insurance	$689	$57
17	State Farm	$1,154	$96
17	Geico	$1,283	$107
17	Shelter Insurance	$1,610	$134
17	Progressive	$1,998	$167
17	Mercury Insurance	$2,232	$186
17	Oklahoma Farm Bureau	$2,763	$230
17	Allstate	$2,941	$245
17	Farmers	$3,995	$333
18	AFR Insurance	$661	$55
18	State Farm	$984	$82
18	Geico	$1,091	$91
18	Shelter Insurance	$1,470	$123
18	Progressive	$1,672	$139
18	Mercury Insurance	$1,834	$153
18	Allstate	$2,243	$187
18	Oklahoma Farm Bureau	$2,473	$206
18	Farmers	$3,135	$261
19	AFR Insurance	$622	$52
19	Geico	$728	$61
19	State Farm	$839	$70
19	Progressive	$929	$77
19	Mercury Insurance	$1,289	$107
19	Allstate	$1,323	$110
19	Shelter Insurance	$1,323	$110
19	Farmers	$1,766	$147
19	Oklahoma Farm Bureau	$2,048	$171
20	AFR Insurance	$563	$47
20	Geico	$594	$50
20	State Farm	$718	$60
20	Progressive	$738	$62
20	Mercury Insurance	$1,013	$84
20	Allstate	$1,166	$97
20	Shelter Insurance	$1,172	$98
20	Farmers	$1,539	$128
20	Oklahoma Farm Bureau	$1,818	$152
21	Geico	$445	$37
21	AFR Insurance	$484	$40
21	Progressive	$541	$45
21	State Farm	$601	$50
21	Allstate	$889	$74
21	Mercury Insurance	$911	$76
21	Shelter Insurance	$964	$80
21	Farmers	$1,590	$133
21	Oklahoma Farm Bureau	$1,615	$135
22	Geico	$400	$33
22	AFR Insurance	$444	$37
22	Progressive	$480	$40
22	State Farm	$533	$44
22	Mercury Insurance	$752	$63
22	Allstate	$809	$67
22	Shelter Insurance	$885	$74
22	Oklahoma Farm Bureau	$1,427	$119
22	Farmers	$1,504	$125
23	Geico	$373	$31
23	Progressive	$434	$36
23	AFR Insurance	$437	$36
23	State Farm	$461	$38
23	Mercury Insurance	$555	$46
23	Allstate	$772	$64
23	Shelter Insurance	$826	$69
23	Oklahoma Farm Bureau	$1,275	$106
23	Farmers	$1,362	$114
24	Geico	$353	$29
24	State Farm	$400	$33
24	Progressive	$404	$34
24	AFR Insurance	$417	$35
24	Mercury Insurance	$499	$42
24	Allstate	$702	$59
24	Shelter Insurance	$778	$65
24	Oklahoma Farm Bureau	$1,145	$95
24	Farmers	$1,309	$109
25	Geico	$320	$27
25	Progressive	$340	$28
25	State Farm	$352	$29
25	AFR Insurance	$401	$33
25	Mercury Insurance	$457	$38
25	Allstate	$632	$53
25	Shelter Insurance	$642	$54
25	Farmers	$742	$62
25	Oklahoma Farm Bureau	$977	$81
30	Geico	$284	$24
30	State Farm	$286	$24
30	Progressive	$299	$25
30	AFR Insurance	$342	$29
30	Mercury Insurance	$373	$31
30	Shelter Insurance	$529	$44
30	Allstate	$632	$53
30	Oklahoma Farm Bureau	$634	$53
30	Farmers	$665	$55
35	Geico	$279	$23
35	Progressive	$280	$23
35	State Farm	$284	$24
35	AFR Insurance	$342	$29
35	Mercury Insurance	$352	$29
35	Shelter Insurance	$463	$39
35	Farmers	$621	$52
35	Allstate	$632	$53
35	Oklahoma Farm Bureau	$633	$53
40	Progressive	$252	$21
40	Geico	$284	$24
40	State Farm	$289	$24
40	Mercury Insurance	$322	$27
40	AFR Insurance	$342	$29
40	Shelter Insurance	$417	$35
40	Farmers	$601	$50
40	Oklahoma Farm Bureau	$617	$51
40	Allstate	$632	$53
45	Progressive	$248	$21
45	Geico	$283	$24
45	State Farm	$291	$24
45	Mercury Insurance	$328	$27
45	AFR Insurance	$342	$29
45	Shelter Insurance	$394	$33
45	Farmers	$577	$48
45	Oklahoma Farm Bureau	$617	$51
45	Allstate	$632	$53
50	Progressive	$229	$19
50	Geico	$283	$24
50	State Farm	$286	$24
50	Mercury Insurance	$332	$28
50	AFR Insurance	$334	$28
50	Shelter Insurance	$362	$30
50	Farmers	$561	$47
50	Oklahoma Farm Bureau	$570	$48
50	Allstate	$644	$54
55	Progressive	$222	$19
55	State Farm	$279	$23
55	Geico	$283	$24
55	Mercury Insurance	$297	$25
55	AFR Insurance	$334	$28
55	Shelter Insurance	$350	$29
55	Farmers	$529	$44
55	Oklahoma Farm Bureau	$570	$48
55	Allstate	$644	$54
60	Progressive	$222	$19
60	State Farm	$272	$23
60	Geico	$293	$24
60	Mercury Insurance	$295	$25
60	AFR Insurance	$334	$28
60	Shelter Insurance	$350	$29
60	Farmers	$544	$45
60	Oklahoma Farm Bureau	$571	$48
60	Allstate	$662	$55
65	Progressive	$223	$19
65	State Farm	$272	$23
65	Geico	$305	$25
65	Mercury Insurance	$324	$27
65	AFR Insurance	$342	$29
65	Shelter Insurance	$361	$30
65	Oklahoma Farm Bureau	$571	$48
65	Farmers	$624	$52
65	Allstate	$696	$58
70	Progressive	$251	$21
70	State Farm	$289	$24
70	Mercury Insurance	$379	$32
70	AFR Insurance	$385	$32
70	Shelter Insurance	$389	$32
70	Geico	$414	$35
70	Oklahoma Farm Bureau	$604	$50
70	Allstate	$696	$58
70	Farmers	$709	$59
75	State Farm	$322	$27
75	Progressive	$323	$27
75	AFR Insurance	$385	$32
75	Shelter Insurance	$417	$35
75	Geico	$461	$38
75	Mercury Insurance	$511	$43
75	Oklahoma Farm Bureau	$667	$56
75	Allstate	$785	$65
75	Farmers	$809	$67
16	USAA	$1,344	$112
17	USAA	$957	$80
18	USAA	$776	$65
19	USAA	$648	$54
20	USAA	$577	$48
21	USAA	$450	$38
22	USAA	$432	$36
23	USAA	$401	$33
24	USAA	$377	$31
25	USAA	$339	$28
30	USAA	$294	$25
35	USAA	$277	$23
40	USAA	$267	$22
45	USAA	$258	$22
50	USAA	$254	$21
55	USAA	$254	$21
60	USAA	$260	$22
65	USAA	$279	$23
70	USAA	$311	$26
75	USAA	$356	$30

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	AFR Insurance	$890	$74
16	State Farm	$1,047	$87
16	Geico	$1,874	$156
16	Shelter Insurance	$1,364	$114
16	Progressive	$1,967	$164
16	Mercury Insurance	$2,320	$193
16	Oklahoma Farm Bureau	$1,856	$155
16	Allstate	$3,549	$296
16	Farmers	$4,300	$358
17	AFR Insurance	$657	$55
17	State Farm	$902	$75
17	Geico	$1,347	$112
17	Shelter Insurance	$1,190	$99
17	Progressive	$1,847	$154
17	Mercury Insurance	$2,238	$187
17	Oklahoma Farm Bureau	$1,694	$141
17	Allstate	$2,560	$213
17	Farmers	$3,619	$302
18	AFR Insurance	$630	$53
18	State Farm	$778	$65
18	Geico	$1,071	$89
18	Shelter Insurance	$1,100	$92
18	Progressive	$1,490	$124
18	Mercury Insurance	$1,823	$152
18	Allstate	$1,882	$157
18	Oklahoma Farm Bureau	$1,544	$129
18	Farmers	$2,871	$239
19	AFR Insurance	$593	$49
19	Geico	$722	$60
19	State Farm	$672	$56
19	Progressive	$796	$66
19	Mercury Insurance	$1,185	$99
19	Allstate	$1,230	$103
19	Shelter Insurance	$1,012	$84
19	Farmers	$1,647	$137
19	Oklahoma Farm Bureau	$1,405	$117
20	AFR Insurance	$536	$45
20	Geico	$576	$48
20	State Farm	$587	$49
20	Progressive	$689	$57
20	Mercury Insurance	$936	$78
20	Allstate	$982	$82
20	Shelter Insurance	$923	$77
20	Farmers	$1,423	$119
20	Oklahoma Farm Bureau	$1,277	$106
21	Geico	$451	$38
21	AFR Insurance	$461	$38
21	Progressive	$470	$39
21	State Farm	$502	$42
21	Allstate	$804	$67
21	Mercury Insurance	$782	$65
21	Shelter Insurance	$790	$66
21	Farmers	$1,426	$119
21	Oklahoma Farm Bureau	$1,161	$97
22	Geico	$404	$34
22	AFR Insurance	$424	$35
22	Progressive	$427	$36
22	State Farm	$456	$38
22	Mercury Insurance	$645	$54
22	Allstate	$781	$65
22	Shelter Insurance	$758	$63
22	Oklahoma Farm Bureau	$1,057	$88
22	Farmers	$1,335	$111
23	Geico	$392	$33
23	Progressive	$391	$33
23	AFR Insurance	$416	$35
23	State Farm	$398	$33
23	Mercury Insurance	$519	$43
23	Allstate	$722	$60
23	Shelter Insurance	$707	$59
23	Oklahoma Farm Bureau	$964	$80
23	Farmers	$1,229	$102
24	Geico	$379	$32
24	State Farm	$359	$30
24	Progressive	$368	$31
24	AFR Insurance	$397	$33
24	Mercury Insurance	$476	$40
24	Allstate	$670	$56
24	Shelter Insurance	$666	$56
24	Oklahoma Farm Bureau	$882	$74
24	Farmers	$1,196	$100
25	Geico	$336	$28
25	Progressive	$326	$27
25	State Farm	$322	$27
25	AFR Insurance	$382	$32
25	Mercury Insurance	$453	$38
25	Allstate	$646	$54
25	Shelter Insurance	$639	$53
25	Farmers	$685	$57
25	Oklahoma Farm Bureau	$789	$66
30	Geico	$300	$25
30	State Farm	$286	$24
30	Progressive	$295	$25
30	AFR Insurance	$326	$27
30	Mercury Insurance	$374	$31
30	Shelter Insurance	$530	$44
30	Allstate	$646	$54
30	Oklahoma Farm Bureau	$634	$53
30	Farmers	$648	$54
35	Geico	$300	$25
35	Progressive	$280	$23
35	State Farm	$284	$24
35	AFR Insurance	$326	$27
35	Mercury Insurance	$369	$31
35	Shelter Insurance	$463	$39
35	Farmers	$643	$54
35	Allstate	$646	$54
35	Oklahoma Farm Bureau	$633	$53
40	Progressive	$255	$21
40	Geico	$298	$25
40	State Farm	$289	$24
40	Mercury Insurance	$364	$30
40	AFR Insurance	$326	$27
40	Shelter Insurance	$417	$35
40	Farmers	$681	$57
40	Oklahoma Farm Bureau	$620	$52
40	Allstate	$646	$54
45	Progressive	$251	$21
45	Geico	$294	$25
45	State Farm	$291	$24
45	Mercury Insurance	$371	$31
45	AFR Insurance	$326	$27
45	Shelter Insurance	$392	$33
45	Farmers	$627	$52
45	Oklahoma Farm Bureau	$618	$52
45	Allstate	$646	$54
50	Progressive	$221	$18
50	Geico	$294	$25
50	State Farm	$286	$24
50	Mercury Insurance	$320	$27
50	AFR Insurance	$318	$27
50	Shelter Insurance	$357	$30
50	Farmers	$571	$48
50	Oklahoma Farm Bureau	$570	$48
50	Allstate	$622	$52
55	Progressive	$211	$18
55	State Farm	$279	$23
55	Geico	$294	$25
55	Mercury Insurance	$312	$26
55	AFR Insurance	$318	$27
55	Shelter Insurance	$342	$29
55	Farmers	$522	$44
55	Oklahoma Farm Bureau	$570	$48
55	Allstate	$622	$52
60	Progressive	$211	$18
60	State Farm	$272	$23
60	Geico	$303	$25
60	Mercury Insurance	$298	$25
60	AFR Insurance	$318	$27
60	Shelter Insurance	$342	$29
60	Farmers	$503	$42
60	Oklahoma Farm Bureau	$571	$48
60	Allstate	$638	$53
65	Progressive	$209	$17
65	State Farm	$272	$23
65	Geico	$308	$26
65	Mercury Insurance	$338	$28
65	AFR Insurance	$326	$27
65	Shelter Insurance	$360	$30
65	Oklahoma Farm Bureau	$571	$48
65	Farmers	$552	$46
65	Allstate	$670	$56
70	Progressive	$236	$20
70	State Farm	$289	$24
70	Mercury Insurance	$376	$31
70	AFR Insurance	$367	$31
70	Shelter Insurance	$386	$32
70	Geico	$396	$33
70	Oklahoma Farm Bureau	$604	$50
70	Allstate	$670	$56
70	Farmers	$618	$52
75	State Farm	$322	$27
75	Progressive	$274	$23
75	AFR Insurance	$367	$31
75	Shelter Insurance	$413	$34
75	Geico	$415	$35
75	Mercury Insurance	$427	$36
75	Oklahoma Farm Bureau	$667	$56
75	Allstate	$753	$63
75	Farmers	$702	$59
16	USAA	$1,291	$108
17	USAA	$921	$77
18	USAA	$748	$62
19	USAA	$621	$52
20	USAA	$558	$47
21	USAA	$435	$36
22	USAA	$417	$35
23	USAA	$390	$33
24	USAA	$369	$31
25	USAA	$334	$28
30	USAA	$295	$25
35	USAA	$280	$23
40	USAA	$270	$23
45	USAA	$263	$22
50	USAA	$259	$22
55	USAA	$259	$22
60	USAA	$264	$22
65	USAA	$283	$24
70	USAA	$312	$26
75	USAA	$358	$30

Read our methodology

Oklahoma minimum coverage cost by city

Enid drivers pay the least for minimum coverage in Oklahoma at $382. However, Tulsa pay the most at $542.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Oklahoma.

City	Average annual premium	Average monthly premium
Enid	$382	$32
Stillwater	$400	$33
Lawton	$409	$34
Norman	$502	$42
Broken Arrow	$520	$43
Edmond	$521	$43
Oklahoma City	$530	$44
Midwest City	$532	$44
Moore	$533	$44
Tulsa	$542	$45

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Optional car insurance coverage in Oklahoma

Oklahoma requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Oklahoma car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Oklahoma?

Yes, Oklahoma requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Oklahoma?

If you're caught driving without car insurance in Oklahoma, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.