Start With Oklahoma's Liability Requirement
Oklahoma requires drivers to carry at least 25/50/25 liability insurance.
- $25,000
- Bodily injury coverage for one person
- $50,000
- Bodily injury coverage for everyone injured in one accident
- $25,000
- Property damage coverage for one accident
These are the minimum liability limits required to drive legally in Oklahoma.
Choose the Liability Limits for Your Policy
Your liability limits determine how much your policy can pay toward a covered claim.
Bodily Injury Liability
Helps cover covered costs when someone else is injured in an accident you cause.
Your policy includes:
- A limit for one injured person
- A total limit for everyone injured in one accident
Property Damage Liability
Helps cover property you damage in a covered accident.
That may include another person's:
- Vehicle
- Fence
- Building
- Sign
- Other property
If covered damages exceed your policy limits, you may be responsible for costs above those limits.
See How Your Limits Work
Different liability coverages apply to different types of damage.
| If this happens... | Coverage that may apply |
|---|---|
| Another driver is injured | Bodily Injury Liability |
| A passenger in another vehicle is injured | Bodily Injury Liability |
| You damage another vehicle | Property Damage Liability |
| You damage a fence or other property | Property Damage Liability |
| Your own car needs repairs | Not covered by liability |
Liability coverage is designed primarily for injuries and property damage you cause to other people.
Liability-Only or Add Coverage for Your Car?
Liability insurance and coverage for your own vehicle serve different purposes.
- Liability-only coverage
- Covers covered injuries and property damage you cause to others, up to your policy limits.
- Liability + collision
- Adds coverage for certain collision damage to your own vehicle.
- Liability + collision + comprehensive
- Adds broader protection for your vehicle, including certain non-collision losses.
If your vehicle is financed or leased, your lender may require collision and comprehensive coverage in addition to liability.
Build the Liability Coverage You Need
A liability policy starts with Oklahoma's required minimum limits, but you may have other limit options available.
Start With 25/50/25
Oklahoma's minimum required limits are the starting point for a liability policy.
Review Higher Limits
Higher liability limits increase the amount your policy can pay toward a covered claim.
Decide Whether You Need Coverage for Your Own Car
Liability alone generally does not cover damage to your vehicle after an accident you cause.
Collision and comprehensive can be added when you want coverage for your own vehicle or when a lender requires it.
What Affects Liability Car Insurance Rates in Tulsa?
Liability car insurance rates in Tulsa can vary based on several factors.
- Driver
- Age, driving history, and other rating information.
- Vehicle
- The vehicle being insured can affect the price of the policy.
- Coverage Limits
- Choosing higher liability limits can change the cost of coverage.
- Insurance History
- Previous coverage and other underwriting information may also be considered.
Your actual rate depends on the information used to build your quote.