The Sooner State
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Oklahoma Auto Insurance
Oklahoma is one of the most geographically diverse locales, with towering mountains, lush forests, golden prairies, plunging canyons, rushing rivers and more stretching all throughout the state. Oklahoma also boasts the world’s tallest hill, only meeting the mark of being considered a mountain by one foot. However, the state is also known for natural disasters. Oklahoma is so well known for its tornadoes, in fact, that the movie Twister was filmed there. These natural disasters make Auto Insurance protection a must in Oklahoma, whether to save you from costly weather-related car damages or from expensive accident-related costs.
Auto Insurance rates in Oklahoma can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help. Our knowledgeable agents will help you find the coverage you’re looking for at a price you’re comfortable with.
Use our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select, and you’ll be able to pick from our top-rated affordable carriers.
Required Auto Insurance in Oklahoma
For nearly all states in the country, residents are required to carry some form of Auto Insurance. Oklahomans must carry Liability Insurance in order to legally drive in the state. Liability Insurance covers costs (up to your policy’s limits) to the other driver’s injuries and damages if you were found at fault for an accident. Keep in mind, however, that Liability Insurance won’t help pay for any personal damages to you or your vehicle. Because of this, you may want to consider additional coverage above the state minimum.
State Minimum Liability Coverage in Oklahoma
- BI or Bodily Injury: $ 25,000 per person, $50,000 per accident
- PD or Property Damage: $25,000 per accident
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Oklahoma
Car Insurance is designed to help you financially in the event of an accident that you may have caused, but these minimums won’t be of assistance in many other common situations. Consider additional coverage options and higher limits, as doing so could save you a significant amount of money when the unexpected happens.
Below are some examples of optional coverages you may want to consider:
- Collision Coverage*: In accidents involving other vehicles, Collision coverage helps pay for damages to your own car, up to your policy’s limits. The Liability coverage minimums listed above only help pay for the other people and vehicles involved in a collision, but not your personal damages. With the national average repair costs from a single accident being close to $3,000, you can understand the importance of adding Collision coverage to your policy.
- Comprehensive Coverage*: For damages not collision-related, like natural disasters, vandalism, hail and more, this type of coverage will cover you. These unavoidable events happen all too often, and you don’t want to be responsible paying the damages out of your own pocket.
- Uninsured/Underinsured Motorist Coverage: If you are involved in an accident caused by an uninsured driver, you could risk paying for damages yourself, even if the accident wasn’t your fault. This coverage helps pay for expenses caused by the motorist, even if they do not have the proper Auto Insurance. However, in Oklahoma, your Private Passenger Auto policy for Uninsured Motorist Coverage may only cover Bodily Injury and not Property Damage. Check with an AIS agent, or your Auto Insurance provider to make sure you are covered for both BI and PD under this additional coverage.
- Higher Bodily Injury Limits: Even minor accidents can require medical attention, and serious accidents could cause medical bills to add up quickly. Depending on the extent of injuries, and how many were injured, the minimum covered required by the state may not be enough to cover all the costs. Higher BI coverage could protect you from paying for those costly medical expenses yourself.
- Higher Property Damage Limits: When you consider the fact that many accidents don’t just involve one, single vehicle the minimum PD limit may not be enough. An accident could cause damage to light poles, fences, buildings and other structures. Considering a higher PD limit could prevent you from paying the remainder yourself.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
These types of coverages and higher limits aren’t required by Ohio. But you should consider adding them to your policy, especially if you don’t want anyone coming for your assets in the event that you can’t pay for damages because you don’t have enough coverage. If you need help determining your specific Auto Insurance coverage needs, call Auto Insurance Specialists.
Most Stolen Car Models in Oklahoma
If you own a car that is highly targeted for theft, you may find that your Car Insurance rate is increased. According to www.nicb.org, these are the top 10 cars that were stolen in Oklahoma in 2017:
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Dodge Pickup (Full Size)
- GMC Pickup (Full Size)
- Honda Accord
- Honda Civic
- Chevrolet Impala
- Nissan Altima
- Chevrolet Tahoe
- Toyota Camry
Oklahoma Auto Insurance Discounts
Discounts can play a big part in saving you money on your Auto Insurance rates. Many times, people miss out on discounts just because they don’t realize that they qualify for them. AIS agents can walk you through the many discounts available to Ohio drivers and help you figure out which ones you qualify for.
Examples of these discounts may include:
- Safe Driver
- Good Student
- Accident Free
To learn more about specific discounts, visit our Discounts page.
Oklahoma is a nature lover’s dream that all residents can enjoy. However, the great outdoors tends to come with natural disasters that can easily become financial nightmares. Add the worry of tornadoes on top of the common hazards on the road, and you can see why Auto Insurance is important for all Ohio drivers. Finding a reputable Auto Insurance company that will offer you a great rate could take time and requires industry knowledge. That’s where Auto Insurance Specialists comes in. We’ll help you easily compare rates of our high-quality insurance partners and you choose the coverage and price that best suits your Car Insurance needs.