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Looking for cheap insurance in Oklahoma? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Oklahoma. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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Oklahoma Insurance Laws and Regulations

The Oklahoma Insurance Department develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint with the Oklahoma Department of Insurance. The state of Oklahoma does not make insurance company complaint information available to consumers for use when shopping for insurance.

The insurance commissioner in the state of Oklahoma is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.

Important Laws

A summary of the driving safety laws for the state of Oklahoma can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Oklahoma.

The Oklahoma Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Oklahoma has minimum auto insurance amounts that are required by law. The table below shows the OK minimum car insurance limits.

Minimum Car Insurance Coverage Required in Oklahoma

Minimum Coverage
Bodily Injury, per person 25,000
Bodily Injury, per accident 50,000
Property Damage 25,000

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.