Buying car insurance is more than a legal formality, it’s peace of mind every time you start the engine. Our Oklahoma auto insurance coverage protects you on city streets and backroads alike, with fast claims and local agents who know your community.
How Much Auto Insurance Coverage Do I Need?
Wondering what the law actually says? Current car insurance Oklahoma minimums are:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
Meeting the Oklahoma auto insurance requirements keeps you legal, but most drivers choose higher limits to cover medical bills, rising repair costs, and potential lawsuits.
OKFB agents will walk you through realistic scenarios so you can decide how much protection feels comfortable.
Coverage Options & Features
Hit the road with confidence – OKFB’s auto insurance coverage options shield every mile, and our local agents tailor a policy that fits your life, budget, and vehicle.
Auto Insurance Liability Coverage
Liability coverage helps protect you financially in the event of a liability claim or lawsuit due to bodily injury or property damage caused by your covered vehicle while operated by you or other covered drivers.
Medical Payments Coverage Auto Insurance
Medical Payments Coverage pays for certain expenses related to injury or death that you or others sustain when entering, exiting or otherwise occupying your car, regardless of fault.
Uninsured Motorist Coverage
Uninsured Motorist Coverage will pay for bodily injury sustained by you or other passengers in your car when the injury is caused by someone else driving a car that is not covered or does not have adequate liability coverage.
Auto Insurance Collision Coverage
Pays for damage to your car caused by a collision with another car or object.
Comprehensive Auto Insurance Coverage
Comprehensive Coverage will pay for damage to your car by other incidents not related to a collision. Incidents that are covered include but are not limited to: hail, theft, fire and vandalism.
Additional Transportation Expenses Coverage†
Additional Transportation Expenses Coverage† pays a limited amount of rental expenses if a substitute vehicle must be rented when a vehicle you own cannot be used due to a covered loss.
Transportation coverage also pays a limited number of expenses if a vehicle covered under collision or comprehensive coverage becomes disabled more than 50 miles from your residence due to a loss. Coverage for meals and lodging may also apply.
†Policyholders must have a comprehensive or collision policy through OKFB to be eligible for Additional Transportation Expenses Coverage.
Roadside Assistance Insurance
Roadside Assistance* pays for a limited amount of costs associated with towing your disabled vehicle. Additionally, other services needed like gas for an empty tank, battery jumping and changing a flat may be covered.
*Roadside Assistance repair costs are covered only when repairs take place at the location where the car is disabled. Coverage for these on-site repairs only applies when performed by an authorized business.
Insurance Credits & Discounts
We offer a range of premium discounts to policyholders who are eligible for the programs listed below.
Scholastic Discount
This discount applies to specific auto coverages for classroom academic excellence to eligible full-time students who meet specified requirements.
Driver Longevity Credit
Drivers who have been insured with OKFB for at least one year may receive premium credit based on a combination of their longevity with OKFB and driving record.
Defensive Driving Discount
Those who complete a minimum six hour accident prevention course approved by the Oklahoma Department of Public Safety may be eligible for this discount. Approved courses are often offered through your county Farm Bureau.
Multi-Vehicle Discount
A multi-vehicle discount may apply when two or more vehicles are insured with OKFB.
Companion Discounts
If you have other policies through OKFB, such as a Homeowners or Farm & Ranch, you may be eligible for companion discounts. Your OKFB agent can help determine if you’re eligible.
