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Car Insurance Oklahoma

Save with the Best Car Insurance in Oklahoma

Oklahoma is home to four mountain ranges and no other state has as many man-made lakes. It is larger than people tend to think and is home to a population of people that are truly great. The honey bee is the state insect, and there are a lot of great roads to cruise down all over the state. Getting car insurance in Oklahoma should be on everyone’s list of things to do. We all want to be able to cruise down the scenic roads legally and with auto insurance protection. Getting the cheapest insurance to cover your needs is simple, we provide free quotes right here. Saving money has never been easier. Read on to get more information that everyone that drives in Oklahoma should know.

Requirements for Registered Vehicles in Oklahoma

The law in Oklahoma mandates that all registered vehicles be insured. It makes sense, the state wants to make sure that drivers are able to pay for the costs that come from traffic accidents. The requirements for liability insurance in Oklahoma include the following minimum limits per accident:

  • $25,000 for injury or death per person
  • $50,000 total for injury or death for multiple people per accident
  • $25,000 for property damage

Penalties for driving without these minimum limits on insurance can include a fine of up to $250, thirty days of jail time, suspension of your driver’s license, suspension of your vehicle registration.

Insurance Coverage Beyond the Minimums

There are many types of coverage that go beyond what Oklahoma requires. Adding these to your insurance policy can help protect you if an accident occurs. Rather than get the minimum auto insurance required, you can get better coverage to protect yourself, loved ones, and the car you drive. Additional coverage for car insurance in Oklahoma can include the following:

Collision: This covers damages to your car in a collision. Protect yourself from having to pay for damages for your car, or having to pay for a new car.

Comprehensive: This helps protect your car by paying for damages from sources other than cars. A few examples of things that may be covered by this insurance include theft, fire, and damage from animals.

Medical Payments: This covers your medical expenses when they are from a traffic accident.

Uninsured Motorist Coverage: If you are hit by a driver that has no insurance, this helps cover your expenses.

All of these additional coverages help protect you as a driver from having large expenses to yourself or your property when an accident occurs. You can also increase other insurances as well. It is not rare for lenders and companies that lease cars to require collision and comprehensive cars to protect your (and their) investment. 

Proof of Insurance in Oklahoma

If a police officer pulls you over in the state of Oklahoma, they will ask you to provide proof of insurance. In addition, you will be required to provide it when you register your vehicle. 

Proof of insurance is given to you by your insurance company and needs to include all of the following information:

  • The name and address of your insurance company, as well as their NAIC* number
  • Your name, as well as the make model, year, and VIN number of your car
  • The start and end dates of your insurance policy
  • A warning that you must surrender a copy of your insurance upon registering your car
  • A warning that you must keep a copy of your proof of insurance with your car
  • The following statement: “Examine policy exclusions carefully. This form does not constitute any part of your insurance policy.”

*National Association of Insurance Commissioners 

Final Note

For car insurance in Oklahoma, you want the best insurance rates. We provide free quotes and can help you find the cheapest car insurance that has the coverage you want. Driving without insurance can cost a lot of money and puts people at more risk. When you make sure you have the protection you need, everybody wins. Contact us today!

Rank City Avg. Annual Premium
1 Tulsa $2,006
2 Del City $1,998
3 Oklahoma City $1,991
4 Midwest City $1,989
5 Bethany $1,962
6 Bixby $1,919
7 Moore $1,917
8 Broken Arrow $1,883
9 Edmond $1,860
10 Sapulpa $1,857
11 Norman $1,845
12 Shawnee $1,821
13 Ponca City $1,791
14 Sand Springs $1,769
15 Muskogee $1,753
16 Owasso $1,741
17 Claremore $1,725
18 Ardmore $1,720
19 Stillwater $1,700
20 Enid $1,690
21 Bartlesville $1,689
22 Lawton $1,688
23 Altus $1,684
24 Duncan $1,677