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Oklahoma Auto Insurance

All 50 states require motorists to carry auto insurance in order to better protect them on the open road. In Oklahoma, drivers must possess a policy that includes bodily injury and property damage liability coverage.

Bodily injury liability covers you in the event that you cause a wreck that injures another person. If said person racks up medical, rehabilitation, or funeral expenses as a result, bodily injury will cover them up to your policy's maximum limits. Property damage liability works in a similar manner. If you cause a collision that damages another party's vehicle or other property, your liability coverage will pay for repairs or replacement up to the cap designated by your policy. The minimum amount of liability coverages that Oklahoma will allow are:


  1. $25,000 bodily injury coverage per person
  2. $50,000 total injury coverage per incident
  3. $25,000 coverage for property damage

When selecting an auto insurance policy, speak with a licensed agent about the coverage options that best fit your needs. It may be attractive to stick to the minimum limits set by the state in order to save a buck, but don't forget that any expenses that exceed your policy's caps will have to be paid out of pocket as you're still liable.

Car insurance discounts in the Sooner State

Price breaks vary by carrier, but motorists in Oklahoma can qualify for:

  • Safety features discount. If your car includes features such as seatbelts, airbags, anti-theft devices, and/or anti-lock brakes, you could be eligible for this discount.
  • Homeowner discount. Do you own your home? If so, you could save on auto insurance.
  • Good driver discount. If you've gone a period of years without having a wreck, filing a claim, or getting a moving violation, you could qualify for this deduction.
  • Multi-car discount. Do you have more than one car in your household? Insuring them with the same insurance carrier could make you eligible for this discount.
  • Good student discount. If you have a student on your policy that's younger than 25 and earning a 3.0 GPA or higher, you could save on car insurance.
  • Multi-policy discount. Do you need protection for your home, car, motorcycle, etc.? If so, seeking coverage from the same provider can earn you discounts on your policies.

Speak with a licensed agent for a full rundown of coverage options and discounts to find the best options for your specific needs.

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