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.
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.
