Oklahoma Car Insurance

How Much Does Car Insurance In Oklahoma Cost?

In Oklahoma, the average cost of car insurance is $1,869 per year for full coverage. At Fred Loya Insurance, our agents can help you find cheap car insurance in Oklahoma through our customized policies and numerous discounts.

Why Choose Fred Loya Insurance For Your Auto Insurance In Oklahoma?

At Fred Loya Insurance, we value our customers and strive to offer the most affordable policies with the best coverage.

By joining our family, you can benefit from flexible payment options, customized quotes and immediate coverage without a credit check.

As our loyal client, you can advantage of our online payment options, mobile alerts and even a complimentary rental vehicle while your car is in the shop after an accident.

Our agents work with you based on your insurance needs and budget to formulate a policy that works best for you and your family, without any hidden fees or costs.

Oklahoma Minimum Car Insurance Requirements

Coverage	Requirements
Bodily Injury Liability	Bodily Injury Liability covers bodily injury or death expenses if you are found at fault in an accident. The minimum requirements are $25,000 per person and $50,000 per accident.
Property Damage Liability	Property Damage Liability covers damage expenses if you are found at fault in an accident. The minimum requirement is $25,000.
Uninsured Motorist Coverage (Optional)	Covers injury and damage expenses if you are hurt by an uninsured driver who is at fault for the accident.
Collision Coverage (Optional)	Covers vehicle repair costs after an incident with another vehicle or object.
Comprehensive Coverage (Optional)	Covers vehicle repair costs resulting from a non-accident event such as fire, flood, vandalism or theft.
Medical Coverage (Optional)	Covers medical costs if you or your passengers are injured in an accident, regardless of who was at fault. This also extends to injuries you may sustain as a pedestrian.
Roadside Assistance (Optional)	Covers expenses related to road incident services such as flat tire repair, fuel delivery or towing services.

Oklahoma Car Insurance Laws And Regulations

Oklahoma’s Driver’s License Process

In Oklahoma, you can apply for a learner’s permit at 15 ½ years old, if you pass a written exam and a vision exam, and you are enrolled in or have completed driver education courses. If you are at least 16, you can apply or a learner’s permit without driver education courses, if you pass a written exam and a vision exam.

When you’ve held your learner’s permit for at least six months, you can apply for an intermediate license. You must have:

• A minimum of 50 hours of driving with a licensed driver who is 21+, including 10 hours or night driving
• No traffic convictions on your driving record
• Passed your driving test

When you’ve had your intermediate license for at least six months, you can apply for an unrestricted license. You must have no traffic violations on your record or you must be at least 18 years old and have passed all driving and vision tests required.

If you have a valid driver’s license from another state, you can transfer it to Oklahoma by taking a vision test.

Driving Without Insurance In Oklahoma

Driving without insurance in Oklahoma is against the law. If you are pulled over and are unable to provide evidence of insurance, you will face a $250 fine, a license suspension and/or 30 days in prison.

Oklahoma Teen Driving Laws

If you have a learner’s permit, you are only permitted to drive between 5 a.m. and 10 p.m. You should always be accompanied by a licensed adult who is 21 or over.

If you have an intermediate license, you are permitted to transport:

• One passenger
• OR Only people who live in your home
• OR Any passenger if you are with a licensed driver who is at least 21 years old

You are not permitted to drive between 10 p.m. and 5 a.m. unless you:

• Are with a licensed driver who is at least 21 years old
• Are going to/from school/work/church

Oklahoma Seat Belt Laws

Oklahoma requires drivers and front seat passenger to wear seat belts at all times. It is a primary enforcement state, which means you can be pulled over and fined solely for not wearing your seat belt.

If you transport children who are under eight years old, make sure they are secured by the proper safety seat, including:

• A rear-facing car seat for children who are under two years old
• A car seat for children who are under four years old
• A car seat or child booster seat for children between four and eight years old, unless they are taller than 4’9″

Oklahoma Distracted Driving

Oklahoma’s distracted driving laws include cell phone regulations to help drivers keep their attention on the road.

Texting while driving is against the law in Oklahoma.

The exceptions to the texting ban include emergency communication to a hospital or health clinic, ambulance, firefighter or law enforcement.

The only electronic communication devices that can be used while driving include:

• Vehicle-integrated devices
• Vehicle-affixed voice-operated GPS and navigation systems
• Hands-free devices that allow voice communication

The fine for texting and driving in Oklahoma is $100.

In addition, commercial and public transit drivers are not permitted to use a cellphone while driving.

Car Insurance Laws For New Residents In Oklahoma

Moving to Oklahoma? You have 30 days to transfer your title and registration. To apply, you must first purchase Oklahoma car insurance.

*All information was gathered from official state websites and is accurate as of November 1, 2021.