Oklahoma
Auto Insurance Coverages
How do you choose the auto insurance that's right for you when there are so many companies offering auto insurance in Oklahoma? Finding auto insurance that fits your lifestyle can be daunting, but you local Allstate agent will take the time to help you make the right choices as your auto insurance needs change. Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products available in Oklahoma. If you have a teen driver in OK, you must consider Oklahoma's Graduated Driver Licensing laws (see chart below).
For more information on this state, visit the Oklahoma State Information or Oklahoma State Catastrophe page.
Oklahoma Auto Insurance Coverage Scale
Choosing what auto insurance coverages are right for you in Oklahoma can be challenging. You can use the Oklahoma auto insurance coverage levels chart below as a starting point for understanding the Oklahoma coverage level requirements and for reviewing the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000
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25,000/50,000
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Property Damage Liability
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25,000
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25,000
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Uninsured Motorist Bodily Injury
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Not required
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25,000/50,000
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Medical Payments
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Not required
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2,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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500 deductible
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Oklahoma Graduated Driver Licensing
Help protect your teen driver by reviewing the Oklahoma Graduated Driver Licensing (GDL) laws. The GDL laws are one of the few things that have been proven to save teen lives. You and your teen should become familiar with these laws and should use them to form guidelines and rules for your teen driver.
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Insurance Institute for Highway Safety Rating
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Good
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Minimum Entry Age
(Optimal: 16)
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15 years, 6 mo.
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has optimal provision
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Minimum Exit Age
(Optimal: 18)
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16 years, 6 mo.
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Arkansas, Colorado, Kansas, Louisiana, Missouri, Texas
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Oklahoma. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.