Oklahoma
- ~$35–$50
- ~$100–$130
- $25K/$50K/$25K
Oklahoma features affordable car insurance rates influenced by a mix of urban areas like Oklahoma City and Tulsa, and extensive rural driving. The state uses a fault-based liability insurance system with moderate accident frequency.
Find a local Auto Insurance agents in your town:
Oklahoma Auto Insurance Facts *
Drivers
- ~3.3–3.4 million licensed drivers as of 2023.
- ~88% household vehicle ownership.
- High prevalence of pickups and SUVs.
- Uninsured motorist rate estimated around 15%.
- Limited public transit outside major cities.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~22,000 | ~6,200 | 380 |
| 2019 | ~23,500 | ~6,500 | 390 |
| 2020 | ~20,000 | ~5,800 | 370 |
| 2021 | ~21,000 | ~6,000 | 385 |
| 2022 | ~21,500 | ~6,100 | 395 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
