Car Insurance in Oklahoma

In Oklahoma, state law requires all drivers to carry liability auto insurance to cover injuries or damage they cause to others. The minimum required limits are $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage — often referred to as 25/50/25 coverage. While these limits meet the legal requirement, they may not fully protect you in a serious accident. At Zoellner Insurance, we recommend reviewing your coverage with one of our agents to ensure you have adequate protection for your vehicle, income, and future.

Auto insurance costs in Oklahoma are often higher than average due to several factors — including frequent severe weather events (like hail, tornadoes, and flooding), rising repair costs, uninsured drivers, and accident rates. Rural road conditions and the cost of medical care also influence premiums. However, your rate can vary widely depending on your driving history, credit score, age, and vehicle type. Zoellner Insurance helps drivers lower costs by comparing quotes from multiple carriers and finding discounts for safe driving, bundling policies, or using paperless billing.

No matter where you live or work within these regions, our experienced agents can help you compare coverage, customize your policy, and handle your insurance needs with the same friendly, local care our Oklahoma clients know and trust.

Yes — it is illegal to drive without insurance in Oklahoma. Every vehicle registered in the state must carry at least the minimum 25/50/25 liability coverage. Driving without insurance can result in fines, license suspension, vehicle impoundment, and reinstatement fees. Additionally, if you cause an accident while uninsured, you’ll be personally responsible for any damages or medical expenses. To stay compliant and protected, Zoellner Insurance can help you secure affordable coverage options that meet Oklahoma’s requirements and fit your budget.

The average cost of car insurance in Oklahoma is around $1,500 to $1,900 per year (about $125–$160 per month) for full coverage. Minimum liability-only policies typically cost $500–$700 annually. Your actual rate depends on factors like your location, driving record, vehicle type, and chosen coverage limits. At Zoellner Insurance, we work with multiple carriers to find competitive rates and identify every discount you qualify for — including safe driver, good student, multi-policy, and low-mileage savings.

The “best” auto insurance depends on your individual needs — not just the lowest price. At Zoellner Insurance, we partner with several of the most trusted and top-rated carriers in the country. We evaluate each insurer’s financial stability, claims service, and coverage flexibility to match you with the right plan. Whether you want affordable liability coverage or comprehensive protection for your family, our team helps you find the best combination of value and peace of mind.

In most cases, yes — auto insurance follows the car, not the driver. If someone drives your car with your permission, your insurance generally covers them under permissive use. However, certain restrictions apply: not all carriers allow this, and frequent or household drivers usually need to be listed on your policy. If an unlisted driver causes an accident, your coverage could be limited or denied. To avoid surprises, speak with a Zoellner Insurance agent to confirm your policy’s rules and ensure all regular drivers are properly covered.

The numbers 25/50/25 represent Oklahoma’s minimum required auto liability limits:

• $25,000 for bodily injury per person

• $50,000 total for bodily injury per accident

• $25,000 for property damage

This means your insurer will pay up to those amounts if you cause an accident. However, these limits are often too low to cover major injuries or property damage. Zoellner Insurance recommends considering higher limits or a full coverage policy (adding comprehensive and collision) to better protect your assets.

If an uninsured or underinsured driver hits you in Oklahoma, your own Uninsured/Underinsured Motorist (UM/UIM)coverage can help. This optional policy pays for your medical expenses, lost wages, and related damages if the other driver doesn’t have enough coverage (or none at all). Without UM/UIM coverage, you may have to pay out of pocket or pursue legal action to recover costs. Zoellner Insurance strongly recommends including UM/UIM in your policy — it’s one of the most valuable and affordable protections you can have.