Oklahoma motorcycle insurance

Q: What's the best motorcycle insurance in Oklahoma?

Nearly 1 in 3 insured motorcycle riders choose Progressive. Whether you ride in Oklahoma City, Tulsa, Norman, or anywhere else in the Sooner State, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Oklahoma for bikers without eliminating the valuable protection that gives riders peace of mind.

With the longest drivable stretch of Route 66, Oklahoma offers motorcycle enthusiasts the chance to cruise one of the original American highways. Progressive is a leader in motorcycle insurance, helping Oklahoma bikers ride protected on every open road with customized coverage and easy discounts for big savings. Find out about requirements, coverages, and cost information for motorcycle insurance in Oklahoma.

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What are the minimum requirements for motorcycle insurance in Oklahoma?

Oklahoma motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries or damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamages you cause to others in an accident	Minimum amount$25,000 per accident

Oklahoma also mandates uninsured motorist bodily injury coverage, but you may reject or lower this coverage by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

If you're financing or leasing your motorcycle, you may be required to have comprehensive motorcycle coverage and collision motorcycle coverage. These coverages are otherwise optional, but we know how important it is for motorcycle owners to protect their bike against damages. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, or weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Oklahoma?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Oklahoma with liability coverage only was $143.97.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Oklahoma?

One in 3 insured motorcycle riders choose Progressive.^** Whether you ride in Oklahoma City, Tulsa, Norman, or anywhere else in the Sooner State, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Oklahoma for bikers without eliminating the valuable protection that gives riders peace of mind.

You can decrease the cost of motorcycle insurance in Oklahoma with motorcycle insurance discounts, such as:

Multi-policy discount
Motorcycle license/endorsement discount
Responsible driver discount
Safe and steady rider discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Oklahoma

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Oklahoma

To legally operate a motorcycle, Oklahoma motorcycle law states you must have a motorcycle endorsement in addition to an Oklahoma driver's license.
You must pass a written and motorcycle drive test unless you've completed a Motorcycle Safety Foundations course to earn an endorsement.
If you're 18 years of age or older, you're not required to wear a helmet, according to Oklahoma helmet laws. All riders and passengers under 18 are legally required to wear a helmet while riding.