Auto insurance in Oklahoma is a necessary expense to protect yourself and others. Driving without insurance can send you and your business into financial ruin—plus it’s illegal in the Sooner State.

Affording Oklahoma car insurance is manageable if you shop around for the best insurance coverage for your particular situation. If you choose high deductibles, you’ll save money on insurance premiums. When shopping among car insurance companies in Oklahoma, remember that you at least need the basics:

1. Providers of Oklahoma car insurance must provide liability insurance with a minimum of $25,000 for medical costs for an individual and $50,000 for a group.

2. Make sure Oklahoma car insurance provides at least $25,000 to cover public and private property damage.

3. Oklahoma requires comprehensive and collision insurance for vehicles under lien. Car insurance companies in Oklahoma should recommend comprehensive and collision coverage in any case.

Action Steps
The best contacts and resources to help you get it done

Get Oklahoma auto insurance quotes from national providers

National insurance companies offer car insurance in Oklahoma at competitive rates.

I recommend: Many people swear by well-known national insurance carriers like State Farm and Allstate. However, rates differ by state, so check what they have to offer.

Contact local insurance companies for Oklahoma auto insurance rates

Car insurance rates can vary in Oklahoma. Sometimes, local insurance companies are your best bet for a good rate and coverage for your vehicle.

I recommend: Oklahoma Farm Bureau Mutual Insurance has been providing auto insurance to Oklahomans for over 50 years. Oklahoma Farmers Insurance answers many of your insurance questions online.

Consider using an independent agent for the best deal on Oklahoma auto insurance

Independent insurance agents offer that personal touch that many people appreciate. Furthermore, an agent has access to resources you didn't know existed.

I recommend: The Independent Insurance Agents of Oklahoma is a good resource for locating an independent agent in your town. Norman-based Aballtime LLC can offer recommendations on the best auto coverage.

Find rates for Oklahoma auto insurance online

Start your search for Oklahoma auto insurance with online quotes provided by the Oklahoma Insurance Board and individual companies.

I recommend: Download Notice 278268 from the Oklahoma Insurance Department on choosing auto insurance. The document includes a comparison of insurance rates among companies and offers examples for various situations. Geico provides free insurance quotes.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Check out providers of auto insurance in Oklahoma by reviewing consumer reports before signing up.
• •  Oklahoma doesn't require uninsured motorist insurance for its drivers, but insurance companies should offer it to you as an optional service. It's usually an inexpensive, but possibly helpful, option.