Are you an Oklahoma driver who wants the inside scoop on car insurance in the Sooner state? We’ve done the research—from finding state minimums, laws, coverage options, and more—to bring you this guide to Oklahoma auto insurance.
State Requirements You Need To Know
Driving without insurance in Oklahoma is a no-no. Make sure you have the following minimums so you don’t get yourself into a pickle:
- $25,000 for injury or death, per person
- $50,000 total for injury or death if multiple people were hurt in accident
- $25,000 for property damage
Additional Car Insurance in Oklahoma
We’re not here to scare you, but have you thought about all the bad stuff that can happen to your car? If not, if might be time to consider adding more coverage so you don’t get stuck paying for damages if you’re not properly insured. Consider these additional coverage options:
- Collision– Hit something with your car? That’s what collision coverage is there to pay for.
- Comprehensive– If your car gets tossed around in a tornado or winds up flooded, this kind of insurance will help pay for it.
- Medical payments– If you don’t want to use your health insurance, this coverage will pay for medical expenses and even funeral costs after an accident.
- Uninsured motorists– If a driver hits you but isn’t insured, you’ll be stuck paying for the damages—unless you have this coverage, that is.
Proof of Insurance in Oklahoma
Saying you have insurance isn’t enough if you get pulled over. You’ll get an insurance card when you start or renew a policy that will include your:
- Name, address, and NAIC number of insurance carrier
- Year, make, model, and VIN of car
- Dates of policy
Keep it in your glove compartment and never take it out unless a cop asks to see it. That way, you’ll always have it and can avoid trouble.
They’ll Know If You’re Not Insured
If your insurance ends and you don’t renew it, the electronic insurance verification system that the Oklahoma DMV uses will be notified immediately. A lapse in coverage could result in the following violations and penalties:
- Up to $250 in fines
- 30 days in jail
- Suspension of driver’s license and vehicle registration
Insurance For High-Risk Drivers
If you’ve been caught speeding to work too many times or have been involved in too many fender benders, you may be denied auto insurance coverage through the open market. This is because companies see you as too high-risk of a driver. Because auto insurance is required in the state, the Oklahoma’s Automobile Insurance Plan is there to help. All insurance companies participate in it and take on customers based on their market share. For example, if State Farm has 5% of the market share in Oklahoma, it will be required to cover 5% of the high risk drivers in the state. Because the OAIP is often times more expensive, we recommend calling a licensed agent to see what your options are.
What Oklahomans Pay For Auto Coverage
We’ve done the research for you and found average car insurance rates in Oklahoma so you can see if you’re paying too much. According to our research, here is where you may find the cheapest coverage:
|Average Annual Rates|
To be certain you aren’t overpaying, we recommend comparing quotes from three companies on a yearly basis.
How To Save With Discounts
Shopping around will definitely help you find the best rates, but so will asking for auto discounts. While each insurance company offers unique discounts, here are some popular ones you can see if you qualify for:
- Being a homeowner
- Insuring multiple cars
- Installing anti-theft and safety devices
- Being a good driver
- Getting good grades
- Having multiple policies
- Paying and getting bills online
Most Stolen Cars in Oklahoma
Imagine this: you have a Honda Civic and your insurance company says it’ll cost more because it’s a commonly stolen care in Oklahoma. Unfortunately, the car you drive is another factor that determines how much you may pay. This is because if you drive a vehicle that’s targeted for theft, it makes you a riskier customer. In Oklahoma, here is the list of most stolen cars:
- Chevrolet Pickup (full size)
- Ford pickup (full size)
- Dodge Pickup (full size)
- Honda Civic
- Honda Accord
- GMC Pickup (full size)
- Chevrolet Impala
- Chevrolet Pickup (small size)
- Ford Explorer
- Toyota Camry
Talk To Licensed Agents
If you have more questions, talk to a licensed agent. They can help not only clarify anything you are unsure about and find the best rate. Call 855-462-2213 to get started.
Additional Resources for Oklahoma Drivers