Oklahoma Auto Insurance Requirements & Rates
Oklahoma requires 25/50/25 liability coverage and is an at-fault state.
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Oklahoma at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Oklahoma operates as a tort-based liability state, meaning at-fault drivers are financially responsible for damages they cause. The state requires all drivers to carry proof of insurance at all times and enforces compliance through the Oklahoma Insurance Verification System, which allows law enforcement to verify coverage electronically. The Oklahoma Insurance Department mandates minimum liability limits that are lower than what most financial advisors recommend for adequate protection.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
about $90/mo
Average car insurance spending in Oklahoma
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
Is Oklahoma a no-fault or tort state for auto insurance?
Oklahoma is a tort state, meaning the at-fault driver is financially responsible for damages they cause in an accident. Injured parties can file claims against the at-fault driver's liability insurance and can sue the driver personally for damages exceeding policy limits. This system makes carrying higher liability limits than the 25/50/25 minimum critical for protecting personal assets.
Coverage Types
Liability Insurance
Covers damage and injuries you cause to others in at-fault accidents. Oklahoma's tort system allows injured parties to sue you beyond policy limits, making higher limits critical for asset protection.
Full Coverage
Combines liability, collision, and comprehensive coverage for complete protection against accidents, weather damage, theft, and uninsured drivers. Includes both damage you cause and damage to your own vehicle.
Comprehensive Coverage
Protects against non-collision damage including hail, tornadoes, flooding, theft, vandalism, and animal strikes. Pays to repair or replace your vehicle minus your chosen deductible.
Uninsured Motorist Coverage
Covers your medical bills, lost wages, and vehicle damage when an at-fault driver has no insurance or flees the scene. Functions as your own liability coverage when others lack it.
Collision Coverage
Pays to repair or replace your vehicle after collisions with other vehicles or objects like guardrails, trees, or buildings, regardless of who caused the accident.
SR-22 Insurance
Not a separate coverage but a state-required certificate proving you carry minimum liability insurance after certain violations. Filed by your insurer directly with Oklahoma DPS.