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Oklahoma Auto Insurance
Before you buy auto insurance in Oklahoma, it’s essential to know what you have to buy along with Oklahoma driving laws. It doesn’t have to be that complex even if you are looking for cheap auto insurance. Read on to find out what all of your options are in buying quality insurance.
Car Insurance Requirements in Oklahoma
Oklahoma car insurance laws state that you must maintain specific types of coverage, especially for liability protection. This insurance protects other drivers. Oklahoma minimum auto insurance requirements are just that ““ the minimum amount you need to have. Many people need more. Here’s what the state says you need:
- $25,000 for bodily insurance coverage for injury or death per person
- $50,000 for total bodily injury coverage
- $25,000 for property damage
Is Oklahoma a No-Fault State?
Oklahoma is an at-fault state. That means a driver is responsible for the losses he or she creates to other drivers. Your insurance may cover other driver’s losses if you cause the incident.
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Car Insurance Prices in Oklahoma
The cost of car insurance in Oklahoma varies based on the car type and age, its value, and the driver’s qualifications. A liability only policy at the state minimum will cost $910 on average. Most people need full coverage, which costs, on average $2,182. Drivers can expect to pay $1,781 for coverage.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 56% | Female – 44% | Oklahoma City | ||
| 25 – 54 | Chevrolet | Male – 41% | Female – 59% | Oklahoma City | ||
| 55 – 64 | Chevrolet | Male – 39% | Female – 61% | Oklahoma City | ||
| 65 + | Chevrolet | Male – 40% | Female – 60% | Tulsa | ||
* This information is based on Pretected.com users.
Traffic Violations and Fines in Oklahoma
Speeding Ticket Cost in Oklahoma
Oklahoma has a point system for tickets, which you can expect any time you are convicted of a moving violation. The average speeding ticket here costs $150 to $200 for a 10-mile-an-hour over the limit charge. If you are speeding 20 miles over the speed limit or in a construction zone, this can rise to twice as much. Reckless driving in Oklahoma may amount to jail time as well.
Driving While High Laws in Oklahoma
Even if you have a license to use marijuana, you cannot operate a motor vehicle while high in the state of Oklahoma. You can be charged with reckless driving if you do.
Driving Without Car Insurance in Oklahoma
If you get pulled over and do not have insurance, you could pay a fine of up to $250, spend 30 days in jail, have your license suspended, and even have the vehicle registration suspended.
Texting and Driving in Oklahoma
Distracted driving of any type, even eating while driving, is a high-risk situation. Cell phone use while driving is a risk factor too because it means you cannot focus on the road.
It is illegal to curse in the state of Oklahoma. That includes cursing while driving. If you are caught doing so, you could pay a $1 fine.
Oklahoma Car Accidents
Car accidents occur everywhere, but knowing local car accident statistics is critical for safeguarding your wellbeing. Car accidents in Oklahoma range widely.
Reasons for Car Accidents in Oklahoma
In total there were 611 fatal car accidents in 2025 resulting in the death of 655 people. Most accidents were collisions with other objects, accounting for 248 incidents. Multiple-vehicle accidents accounted for 306 in the state in 2025.
Car Accident Statistics by Vehicle Type in Oklahoma
In 2025, there were 211 people who were killed in car accidents related to just passenger vehicles. 224 people were killed in pickup truck and SUV-related accidents. Large truck deaths amounted to 20 people. In addition, 93 people on motorcycles died, 78 people who were walking, and 5 bike riders died.
Car Accidents in Oklahoma ““ More Facts
Alcohol accounted for 324 deaths in the state in 2025. Among them, 301 were drivers who tested positive for alcohol. In accidents, 53 percent of those who died that year were unrestrained by a seat belt.
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Oklahoma
- It is illegal to buy a car on Sundays in the state. This law dates back to just 1959, and it is why so many car lots are closed on Sundays in the state.
- Another interesting law related to driving in the state of Oklahoma is this one. It is illegal for you to read a comic book while you are operating a vehicle.
Looking for Auto insurance in Oklahoma? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s “Smart Match”:
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.