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Cheapest Car Insurance in Oklahoma

Proud of its Native American heritage, Oklahoma’s state flag bears an Osage warrior’s shield and both the peace pipe and olive branch reminiscent of peace and unity. A proud state, visitors can’t miss Oklahoma’s American spirit of patriotism. Home to the Route 66 museum, Red Rock Canyon State Park and the Chisholm Trail, “The Sooner State” attracts Americans of every type. wants to help contribute by making the state’s car insurance information easily accessible in this well-organized list.


As drivers take a chance to get out on scenic Oklahoma byways, this list of helpful facts regarding the state’s driving rules and regulations will make sure those drivers are protected and well-informed.

Minimum Car Insurance Requirements in Oklahoma

  • The Oklahoma Department of Insurance points out that every Oklahoma vehicle must be covered by Liability Insurance.
  • Liability Coverage minimums:
    • $25,000 for an individual in an accident.
    • $50,000 for an accident involving multiple individuals.
    • $25,000 for accidents causing property damage.

Requirements for New Driver Licensing:

  • Oklahoma requires all drivers to be licensed to operate a vehicle in the state. The Department of Public Safety has created a Graduated License Driver (GDL) program for drivers ages 15 to 18. The program consists of a Learner’s Permit, an Intermediate License and an Unrestricted License.
  • Learner’s Permit. This permit can be obtained by an applicant who has reached 15 years, 6 months of age and has completed or is currently enrolled in a driver education program. At this age, the applicant must have passed the written and vision tests.
  • If the applicant has not completed a driver education course, he/she must be 16 years of age and passed the written and vision tests. During this phase, the following applies:
    • The Learner’s Permit must be held by the applicant for 6 months
    • The applicant must be supervised by a licensed driver who is 21 or older and who has held a license for 2 or more years.
  • The applicant must complete at least 50 hours of driving training. This training must include at least 10 hours of driving at night.
  • Intermediate License. At this point, the applicant must pass the driving test and have successfully passed the Learner’s Permit phase. During the permit phase, the applicant must have had no moving violations. The following applies during this stage:
    • The applicant may drive only between 5am and 10pm without supervision. To drive during the restricted times, the applicant must have a supervisor driver listed who meets the above qualifications.
    • The applicant may carry only 1 passenger unless supervised.
  • Unrestricted License. To obtain this license, the applicant must have either held the Intermediate License for 6 months with no convictions or have turned 18. If the applicant has not taken a driver education course, he/she must have held the Intermediate License for 1 year with no convictions or have turned 18.
  • Vision Exam. Requirements for the vision exam include a visual acuity of at least 20/60 or 20/50 in one eye and a field of vision of at least 140 degrees. Corrective lenses may be worn, and the Oklahoma DPS allows for several restrictions.
  • Written Test. The written test will evaluate a driver’s knowledge of Oklahoma traffic regulations, safe driving practices, drug offense and alcohol offenses. If the test is failed, the applicant must wait one day to re-take it.
  • Driving Test. A driving test simply evaluates a driver’s ability to control his/her vehicle. The test administrator will be looking for sufficient skills in the following areas:
    • Vehicle maneuverability
    • Grade parking
    • Smooth turns, stops and signaling
    • Right-of-way rules
    • Respond and observe pedestrians’ and other vehicles’ actions
  • Fees. The following fees apply:
    • Application, $4
    • Written test, $5
    • Road test, $5
    • Driver License, $33.50


  • BAC limit: .08 The Oklahoma Department of Public Safety enforces the DUI convictions in Oklahoma. The following is a brief overview of the minimum penalties for a DUI conviction in the state:
  • First Offense:
    • Fine: maximum $1,000
    • License suspension: 30 days
    • Jail: 5 days to 1 year
  • Second Offense in 10 years:
    • Fine: maximum $2,500
    • License suspension: 6 months
    • Jail: 1 to 5 years
    • Ignition Interlock Device
  • Third Offense in 10 Years:
    • Fine: maximum $5,000
    • License suspension: 1 year
    • Jail: 1 to 10 years
    • Ignition Interlock Device
  • Refusing to test results in:
    • First Offense: 6-month revocation and 1-month Ignition Interlock.
    • Second Offense: 1-year license revocation
    • Third Offense: 3-year revocation

Texting & Driving Laws

According to, drivers with a Learner’s Permit may not text or use a handheld cell phone device while driving.

Unique Laws

With the varied history that is typical with Midwestern states, Oklahoma has some interesting laws still in place. For example, it is forbidden to take an elephant downtown, and horses are not to be tied in front of Yukon’s City Hall. One may not eat a hamburger and walk backward while in downtown Oklahoma City. And to take the fun out of childhood, children are forbidden to tie a towel around themselves like a cape and jump from the roof!


Best Cheap Car Insurance Quotes for Oklahoma

Oklahoma County Car Insurance

Home of the state capital of Oklahoma City, Oklahoma County is the state's most populated, with 718,633 residents at the 2010 census. Located right in the center of the state, its economy relies on the oil and gas industry. Oklahoma City, which is also the county seat, has one of the largest livestock markets in the world.

Oklahoma County lies within the Great Plains, a broad expanse of flat prairies and grasslands west of the Mississippi and east of the Rocky Mountains. A must-see for visitors is the Oklahoma City National Memorial, a tribute to the victims of the 1995 bombing of the Alfred P. Murrah Federal Building. An adjacent museum takes visitors on an interactive experience focused on the day of the bombing. "Bricktown" is a popular Oklahoma City entertainment district next to the Oklahoma River. Also within Oklahoma County is Choctaw, the oldest chartered town in the state.

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Tulsa County Car Insurance

In northeastern Oklahoma, Tulsa County is the state's second most populated, encompassing the cities of Tulsa and Broken Arrow. Having produced more than its fair share of musicians, Tulsa is the birthplace of music star Garth Brooks as well other notables including writer S.E. Hinton and radio personality Paul Harvey.

A prominent location for barbecue and Lebanese steakhouses, Tulsa serves as a tourist destination for many reasons. Its internationally renowned museums include the Philbrook Museum of Art and the Gilcrease Museum, which houses the world's largest collection of art and artifacts from the American West. The Woody Guthrie Center features the musician's instruments, original artwork, notebooks and lyrics.

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Cleveland County Car Insurance

Named for President Grover Cleveland, Cleveland ounty lies just south of Oklahoma City, easily accessible to the city via Interstate 35. Home to an estimated 256,000, the county contains the origin of the Little River as well as a man-made reservoir, Lake Thunderbird.

The county seat, Norman, is home to the annual Chocolate Festival featured on both the Food Network and Southern Living magazine. The University of Oklahoma, established in 1890, offers contemporary art exhibits and strong sports programs. Tourist draws include gaming casinos, the National Weather Center and Sam Noble Oklahoma Museum of Natural History.

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Canadian County Car Insurance

West of Oklahoma City along Interstate 40, Canadian County is named for the river that forms part of its southern border. Agriculture is the county's primary industry and has been since its beginnings.

The county seat, El Reno, bills itself as the "fried onion capital of the world," with chefs creating a 750-pound fried onion burger, reportedly the world's largest, at the El Reno Fried Onion Burger Day Festival held in May. Fort Reno, the Canadian County Historical Museum and Chapel Creek Winery are popular among visitors. Country star Garth Brooks grew up in the City of Yukon in Canadian County.

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Comanche County Car Insurance

Bisected by Interstate 44 running north-south, Comanche County lies within a short drive of the Oklahoma-Texas border. Named for the Comanche Tribe, it was built on former reservation lands, opening for settlement in 1901 by a lottery system. Its county seat, Lawton, is located near the Fort Sill Military Reservation, the only active Army installation built during the Indian Wars.

The city of Lawton is home to one of the longest running Easter Passion Plays in the nation, featured on a documentary titled "Jesus Town, USA." The tiny town of Geronimo in the southern part of the county was the scene of one of the deadliest bank robberies in Oklahoma history at the First Bank of Chattanooga.

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Rogers County Car Insurance

Northeast of Tulsa, Rogers County contains a large part of the massive Lake Oologah, a reservoir with more than 200 miles of shoreline and a dozen lakeside parks. The county is named after Clem Vann Rogers, a part-Cherokee rancher who was the father of performer and columnist Will Rogers.

Rogers was born on a ranch near the town of Oologah, a difficult-to-pronounce Native American name that's spelling is sometimes up for dispute. For this reason, Rogers often told people he was from Claremore, which is the county seat. Home to about 19,000, Claremore is also the site of Rogers State University. The Rodgers and Hammerstein musical, "Oklahoma!" is set in Rogers County, particularly Claremore, in 1906.

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Payne County Car Insurance

North of Oklahoma City via Interstate 35, Payne County is centered around its seat of Stillwater, a mid-sized city with a diverse economy. Payne County is located in what is known as "tornado alley" where tornadoes are reportedly most frequent. It is also home to the National Wrestling Hall of Fame and Museum.

Stillwater is known for a number of music venues where artists such as Garth Brooks and All American Rejects once played. One, titled "Tumbleweed," is the site of the annual Calf Fry, an outdoor music event that draws big name entertainment to the three-day festival.

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Wagoner County Car Insurance

Immediately east of Tulsa, Wagoner County includes part of the City of Broken Arrow. Fort Gibson Lake forms much of the county's eastern border, and the county includes the Fort Gibson Wildlife Management Area along its western shores. The Arkansas River forms part of its southern border.

The small town of Catoosa has several popular remnants from Route 66, including the Blue Whale of Catoosa, build on what was once popular swimming spot for travelers. Other visitors' favorites are the Hard Rock Casino, D. W. Correll Museum and Catoosa Historical Museum. Wagoner County is also home to the town of Porter, the "peach capital of the world," hosting the Porter Peach Festival each July that includes a parade through downtown.

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Pottawatomie County Car Insurance

Home to about 70,000 residents, Pottawatomie County is named for one of the Native American tribes that originally inhabited it. The county is located about 40 minutes east of Oklahoma City along Interstate 40, with the Canadian River forming much of its southern boundary.

Shawnee, the county seat, is the birthplace of the modern Sonic Drive-In, which evolved from the Top Hat Drive-In founded in 1953 by Troy Smith after two previous restaurant ventures failed. In the northwest part of the county is the town of McLoud, site of one of the longest running Independence Day celebrations in the state, the Blackberry Festival.

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Creek County Car Insurance

Home to about 70,000 residents, Creek County lies just southwest of Tulsa, bisected by Interstate 44 to Oklahoma City. The county seat, Sapulpa, is only 14 miles from downtown Tulsa and partly lies within Tulsa County. Sapulpa has about 21,000 residents and is home to Frankoma Pottery.

Sepulpa is home to the Heart of Route 66 Auto Museum, featuring unique exhibits such as a "birdcage" Maserati and an "Amphicar," plus art work and photos from the 1900s. The small town of Bristow is home to the Tabouleh Fest, celebrating the area's Lebanese heritage.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Le Flore$1,248.00$998.00$1,170.00$1,067.00$1,348.00
Roger Mills$1,193.00$1,026.00$1,119.00$1,094.00$1,297.00
Woodward$1,135.00$975.00$1,062.00$1,042.00$1,233.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums.

Enjoying an all-time low in 2008, Oklahoma’s car insurance premiums as a percentage of income reached 1.4 percent. recorded the nation’s all-time low in the same year at 1.57 percent. Since then, both numbers have shot back up.

Drunk Driving Fatalities

After experiencing a surge in drunk driving fatalities in 2011, the National Highway Traffic Safety Administration shows Oklahoma’s fatalities have been on a steady decline. The state’s percentage remains well below the national average.

Teen Drinking and Driving

Oklahoma teen drinking and driving is slightly lower than the national average, according to the Center for Disease Control.

Vehicular Theft in Oklahoma

Oklahoma saw an increase in the rate of vehicle thefts in 2012. The FBI indicates that thefts have steadily gone down between then and 2014.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversState Farm
Young driversState Farm
Drivers with an at-fault crashState Farm
Drivers with poor creditOklahoma Farm Bureau
Retired driversShelter Insurance
Military familiesUSAA


State Department of Insurance

Oklahoma Insurance Department
3625 NW 56th
Suite 100
Oklahoma City, OK 73112-4511
(405) 521-2828
In State Toll Free Number:(800) 522-0071
Get Directions

Department of Transportation

Oklahoma Department of Transportation
200 N.E. 21st St.
Oklahoma City, OK 73105
(405) 521-2011
Get Directions

Department of Motor Vehicles

Oklahoma Department of Public Safety
3600 N. Martin Luther King Ave.
Oklahoma City, OK 73111
(405) 425-2424
Get Directions

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