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Oklahoma Insurance Guide
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Insurance in Oklahoma
Find comprehensive insurance information for Oklahoma (OK) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Southwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Oklahoma (OK) |
| Region | Southwest |
| Population | ~4.0M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Oklahoma Department of Insurance |
Health Insurance in Oklahoma
Oklahoma residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Oklahoma
Oklahoma has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Oklahoma
Protect your home with coverage tailored to Oklahoma’s specific risks and requirements.
Life Insurance in Oklahoma
Find life insurance options available to Oklahoma residents to protect your family’s financial future.
How Oklahoma Compares
Understanding how Oklahoma stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Oklahoma | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,567 | $1,935 | -19% (above average) |
| Health Insurance (monthly) | $745 | $477 | +56% (well above average) |
| Home Insurance (annual) | $4,899 | $2,377 | +106% (among the highest) |
| Uninsured Rate | 13.5% | 9.5% | +42% (among the worst) |
Key Insights
- Health insurance benchmark premiums rank #42 highest. Premium tax credits can significantly reduce costs for eligible residents.
- Homeowners insurance ranks #50 highest, often due to weather-related risks. Consider mitigation measures and shop for competitive rates.
- The uninsured rate is among the highest in the country (#49). Marketplace plans with subsidies can help close this gap.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Oklahoma Insurance Department (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Oklahoma (opens in new tab) - Federal health insurance marketplace for Oklahoma
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Oklahoma address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Oklahoma Insurance Department
- Phone
- 405-521-2828
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Oklahoma?
Oklahoma requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Oklahoma has a relatively high uninsured driver rate, so UM coverage is recommended.
How do I get health insurance in Oklahoma?
Oklahoma uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Oklahoma has not expanded Medicaid, so marketplace plans with premium tax credits are important for coverage.
Does Oklahoma homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Oklahoma. Located in the heart of Tornado Alley, Oklahoma has significant severe weather risk. Understand your wind/hail deductible, which is often percentage-based (1-5% of dwelling coverage).
Is earthquake insurance available in Oklahoma?
Yes, earthquake insurance is available as a separate policy or endorsement. Oklahoma has experienced increased seismic activity in recent years. Standard homeowners insurance does not cover earthquake damage, so separate coverage is recommended.
What is the average cost of car insurance in Oklahoma?
Oklahoma drivers pay approximately $1,500-$1,700 per year for full coverage auto insurance, which is near the national average. Oklahoma City and Tulsa metro areas have higher rates than rural areas.
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[oklahoma] Insurance Types
Compare insurance options available to [oklahoma] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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