📊 Oklahoma at a Glance
Avg Annual Premium
$2,200
full coverage
National Ranking
#24
middle of pack
vs National Avg
-$497
below avg
Uninsured Rate
15.1%
#16 nationally
🌪️ Tornado Alley: Why Comprehensive Matters
Oklahoma sits in the heart of Tornado Alley and experiences severe hail storms annually. Comprehensive coverage is essential—it covers hail damage, falling debris, and tornado destruction. Many OK drivers also carry higher deductibles specifically for hail.
📋 Oklahoma Minimum Coverage Requirements
| Coverage Type | Minimum Required |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $25,000 |
| Uninsured Motorist (UM) | Optional (recommended) |
| PIP / Personal Injury Protection | Not required |
🛡️ Why Comprehensive is Essential in Oklahoma
Oklahoma's weather makes comprehensive coverage critical:
🌪️ Tornados
OK averages 60+ tornadoes/year. Comprehensive covers flying debris, falling trees, and total destruction.
🧊 Hail
Hail damage is the #1 claim in OK. Many insurers offer separate hail deductibles (often 1-2% of car value).
Tip: Ask about your hail deductible specifically—it may be higher than your regular comprehensive deductible.
⚖️ How Oklahoma's Insurance System Works
At-Fault (Tort) State
The at-fault driver's insurance pays for damages.
Modified Comparative Fault
You can recover if you're 50% or less at fault. At 51%+, you get nothing.
💰 Cheapest & Most Expensive Cities
✓ Cheapest Cities
✗ Most Expensive Cities
College towns like Stillwater and Norman offer better rates. OKC and Tulsa have higher theft and accident rates.
🏆 Best Insurance Companies in Oklahoma
| Insurer | Best For |
|---|---|
| State Farm | Major OK presence, bundling |
| GEICO | Good drivers (often cheapest) |
| Progressive | Drivers with violations |
| Oklahoma Farm Bureau | Rural drivers, local focus |
| Farmers | Strong hail coverage options |
💡 Tips for Oklahoma Drivers
- ✓ Get comprehensive coverage - Tornado/hail damage is too common to skip
- ✓ Check your hail deductible - Often separate and percentage-based (1-2% of car value)
- ✓ Add UM coverage - 15.1% uninsured rate warrants protection
- ✓ Quote Oklahoma Farm Bureau - Good for rural Sooners
- ✓ Use OK DOI - oid.ok.gov for complaints and rate comparisons
The Bottom Line
Oklahoma has mid-range rates ($2,200/year, 24th) but unique weather risks. Comprehensive coverage is essential in Tornado Alley—hail damage alone is the #1 claim. Watch for separate hail deductibles that can catch you off guard.
Best strategy: GEICO often offers the best rates for good drivers. Make sure your comprehensive coverage has reasonable deductibles for both regular claims and hail. Consider Oklahoma Farm Bureau for rural areas.