Protection Atlas · State Profile
Oklahoma Protection Profile
Oklahoma ranks #51 of 51 on the Atlas composite. State cost index runs 1.53× the national midpoint, risk-event frequency sits at 82/100, and consumer-protection strength scores 60/100.
Resilience
46
/ 100
Financial Safety
61
/ 100
Protection
75
/ 100
Preparedness
54
/ 100
Retirement
54
/ 100
Business
62
/ 100
State profile
- Auto avg: $1,942 · Home avg: $3,659 · Term avg: $245
- Min liability: 25/50/25 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 1.53 · Friendliness: 68/100
Protection challenges
- Premium cost index runs 53% above the national midpoint
- Risk-event frequency sits in the top quartile (82/100)
- Severe-convective-storm losses drive higher hail/wind deductibles
Major risk factors
- Tornado and severe-convective-storm exposure
- Hail-driven property loss frequency
- Claim-frequency index sits in the top decile
Family security insights
In Oklahoma, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 1.53× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Oklahoma is supported by a consumer-protection score of 60/100 and a friendliness composite of 68/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Oklahoma households need shelter access and structured photo/video documentation. Hail and convective-wind deductibles are now the dominant economic factor.