According to Experian*, the average cost for full coverage car insurance is $186 per month and $96 per month for minimum coverage.

Car insurance in Oklahoma tends to be more expensive due to severe weather, higher accident rates, and a large number of uninsured drivers. These factors lead to more claims and increased premiums for all drivers.

Yes, you need car insurance to register a vehicle in Oklahoma.

You need to have at least the state’s minimum coverage to legally drive in Oklahoma, but this may not be enough coverage for your needs. Contact a Mercury Insurance agent to customize a policy based on your budget and lifestyle.

No, you can’t have out-of-state car insurance if you live in Oklahoma.

You can take several steps to lower your car insurance:

• Shop around: Compare rates from different insurers to find the best deal.
• Raise your deductible: Opting for a higher deductible can lower your premium, but be prepared to pay more out of pocket in case of a claim.
• Bundle policies: Combine your car insurance with other policies, like homeowners or renters insurance, to receive a discount.
• Take advantage of discounts: Many insurers offer discounts for good driving, having multiple cars, paying in full, setting up automatic payments, or being a good student.
• Improve your credit score: In Texas, your credit score can affect your car insurance rate, so improving it may lower your premium.

It’s possible to get car insurance in Oklahoma without a driver’s license. This can be helpful for people who own a car but don’t drive it themselves, like someone who has a personal driver or is insuring a vehicle for a family member. If you’re in this situation, talk with an agent to find the right coverage for your needs.

Mercury provides a wide range of competitive discounts for car insurance in Oklahoma. Our Multi-Car Discount allows you to save up to 12% if you insure more than one vehicle, while our paid-in-full discount saves up to 12%. Mercury also provides discounts for electric vehicles, good payer discounts, and more. Ask your agent about bundling your home, renters, or condo insurance with your auto policy for additional discounts that range from 9% to 19%.

Yes, when you’re getting Oklahoma auto insurance quotes from Mercury, ask about adding uninsured/underinsured motorist coverage. This helps cover any expenses if you’re in an accident with a driver who doesn’t have insurance, or enough insurance to cover your damages.

Yes, bundling your Oklahoma car insurance with home, renters, or condo insurance can help you save more on your premiums. With more than 60 years of providing home and auto insurance, Mercury can offer all the coverage you need, while helping you balance affordability with the right Oklahoma coverage.

• Save 19% when you bundle auto and homeowners.
• Save 10% with a bundled renters and car insurance policy.
• Save 9% when bundling car and condo insurance.

Mercury offers the strength of a national insurance company backed by the expertise of local agents, whether you need car insurance in Oklahoma City, Tulsa, or a smaller town. In addition to offering competitive car insurance rates and resources for drivers, Mercury also gives you ways to save, from discounts for a good driving record to having multiple policies.

The penalties for driving without car insurance in Oklahoma can include fines up to $250, a license suspension, and vehicle impoundment.

You might be able to buy a car without insurance in Oklahoma, but you won’t be able to legally drive it or register the vehicle until you have insurance.

No, Oklahoma is not a no-fault auto insurance state. Instead, it follows a fault-based system, meaning that the driver found to be at fault in an accident is responsible for covering the damages.

No, there isn’t a grace period for car insurance in Oklahoma if your payment is late. Some insurance companies might allow you to reinstate your policy after you make a late payment, but if something happens while your payment is overdue, you likely won’t be covered for that period.

Yes, you can get insurance on a car you don't own in Oklahoma. It’s best to speak with an insurance agent to explore your options.

It’s easy to get fast, free auto insurance quotes in Oklahoma. Start a quote online, contact a local Mercury agent, or call us at (800) 657-3542.

Yes, at Mercury Insurance we have a network of local agents across Oklahoma who specialize in understanding regional risks like tornadoes and urban driving. Whether you need OKC auto insurance, you’re looking into a Tulsa auto policy, or you live elsewhere in the state, our local agents can help customize your Oklahoma car insurance policy in person or over the phone.

In addition to the mandatory bodily and property damage liability required of Oklahoma drivers, Mercury also offers add-on coverages, which include collision protection, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage and personal injury protection.

Here are some helpful resources for Oklahoma drivers:

• Mercury Oklahoma Agents
• Oklahoma Insurance Department
• Oklahoma Department of Motor Vehicles
• Oklahoma Department of Public Safety

Compare multiple quotes in order to get the best car insurance rate in Oklahoma. Mercury offers policies flexible enough to meet your auto needs. Contact a local agent, or start a fast, free online quote.

Yes, Oklahoma accepts digital proof of insurance via your provider’s app or a downloadable digital ID card. Just make sure it has your policy number, the insurer’s information, and any relevant policyholder information.

Car insurance can cover hail damage in Oklahoma if your policy includes comprehensive coverage. Unlike your standard auto policy, which protects you from collision-related damages, comprehensive helps pay for weather- and theft-related damages to your vehicle.