If your Oklahoma auto insurance rates are skyrocketing out of control all you have to do is enter you five digit zip code at the top of the page to compare quotes from top insurance firms.
Oklahoma’s minimum car insurance requirement is as follows
Table of Contents
- 1 Oklahoma’s minimum car insurance requirement is as follows
- 2 Table – Affordable Auto Insurance Providers in Oklahoma
- 3 Charts – Comparison of Auto Insurance – Major Cities in OK
- 4 Uninsured Motorist Protection
- 5 You want to be sure to ask for the available discounts available in OK:
- 6 Driving without insurance in OK fines and penalties:
|Coverage||Oklahoma Minimum Liability Coverage||Recommended Auto Insurance Coverage|
|Bodily Injury||$25,000 / $50,000||$50,000 / $100,000|
|Uninsured Motorist (Bodily Injury)||Optional||50,000 / 100,000|
|Uninsured Motorist (Property Damage)||Optional||25,000|
Bodily Injury Liability
Each Oklahoma motorist must get at least $25,000 of cover for injuries to a single person and $50,000 for multiple passengers to pay for doctor’s costs in the event they are injured in an auto accident where the insured is at-fault in the accident.
Property Damage Liability
Property damage liability covers damage to private and public property like buildings, places of business, and traffic lights and the other person’s vehicle. The minimum quantity of coverage in the state of OK is $25,000 for repairs per accident.
The set limit for OK is 25/50/25 and it is recommend to get additional cover for your vehicle if you want to be sure to protect your assets. Other recommend cover for your automobile in OK is uninsured motorist protection, medical payments cover, comprehensive, and collision.
Table – Affordable Auto Insurance Providers in Oklahoma
|Rank||Auto Insurance Company||Average Annual Rate|
|4||Oklahoma Farmers Union||$967|
|6||OK Farm Bureau||$1,145|
Charts and Graphs of Insurance Providers
Local Car Insurance Agents – Avg. Premium – Popular Cities
Click on any link to find local agents.
Charts – Comparison of Auto Insurance – Major Cities in OK
Uninsured Motorist Protection
Uninsured motorist protection is going to cover members of your family, passengers of your car for personal injuries caused by an uninsured motorist or hit and run driver. This cover does “not” pay for damage to your car. If you want the damage to your car to be covered then you would need collision cover. Collision cover will protect you in the event another driver hits you or you hit an object.
Comprehensive cover will cover all other “non-collision” accidents like natural disasters such as tornadoes, or if you car is stolen. Medical payments is another optional coverage and many believe they do not need if they have a health insurance policy. If you have medical payment on your policy it will cover the deductible for the health insurance policy. Also, your health insurance cover may not extend to all passengers so it may be a good idea to consider this type of cover.
You want to be sure to ask for the available discounts available in OK:
|By Popularity||Discount Available||Typical Percentage Discount|
|3||Anti-theft or security system||5 Percent|
|4||Good student||5 Percent|
|5||Driver eduction||10 - 15 Percent|
|6||Safety course||10 - 20 Percent|
|7||VIN “etching” discounts*||5 Percent|
Note: These are only estimates and results will vary by insurance provider.
*VIN etching is a countermeasure to motor vehicle theft that involves etching a vehicle’s VIN onto its windows to reduce the value of a stolen vehicle to thieves.
Driving without insurance in OK fines and penalties:
$250 fine and/or 30 days in jail, plus suspension of license and registration if no accident is involved.
If an accident is involved – $344 fine and/or 30 days in jail, plus suspension of license and registration
Drivers will be required to pay a $30 reinstatement fee
As of 2010 if you fail to provide proof of insurance to the police officer your vehicle can be impounded on the spot and your license and registration is forfeited until you provide proof of coverage.
Local Auto Insurance Agents in Oklahoma – Less Populous Cities
Click on any link to search local agents.
At Autoinsuresavings we want the experience of comparing car insurance as enjoyable as possible. If you enter your five digit zip at the top of the page you can get free Oklahoma insurance quotes. You have no obligation, you can chat online with an agent, or ask for them to call you back at your convenience. Finding cheap car insurance is easy here and we hope you enjoyed your stay.