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Oklahoma Car Insurance

With many lakes, many mountain ranges, and many incredible communities, Oklahoma is a fantastic state where large numbers of people go to work, be close to family, and visit friends. Driving legally in the state means having a valid automobile insurance policy. Getting the top car insurance in Oklahoma at the best prices available helps people keep more money in their bank accounts, which is smart. A high percentage of people pay more than they should for car insurance, so add saving money on auto insurance to your to-do list. General is here to help. Your pocketbook will feel heavier when driving down the scenic roads. In addition, you will be financially protected if an accident or other situation occurs. General provides free quotes for car insurance, making it even easier to save.

Auto Insurance Requirements In Oklahoma

There are a few different auto insurance types required by law in the state of Oklahoma. All vehicles being driven must also be registered. In order to register a car, you will need to have a valid auto insurance plan. In addition, make sure to fulfill the minimum requirements for car insurance in Oklahoma can lead to fines, fees, and other penalties.

Oklahoma law mandates that people have proof of financial responsibility. The requirements for liability insurance coverage in the state include minimum limits for each. A minimum limit is the lowest amount of car insurance coverage you can have of that type and still drive legally. Many people choose to get higher amounts than the minimum limits to protect themselves further if an accident occurs.

For drivers in Oklahoma, $25,000 of bodily injury liability coverage is required per person, and $50,000 of bodily injury liability coverage is required for multiple people per accident. Additionally, $25,000 for property damage coverage is required. There are stiff penalties for driving without these minimum limits.

Average Cost Of Coverage In Oklahoma

The average costs for car insurance coverage in the state of Oklahoma are just a little lower than the national average. The price a person pays for auto insurance are determined by the formulas auto insurance providers utilize. Each automobile insurance provider weighs variables differently, so shopping around is a great way to save money. Rates can depend on a person’s age, marital status, gender, driving record, credit score, and the discounts they apply for from some companies.

With average rates of $850 per year in Oklahoma, prices are lower than the national average. Some people pay less for car insurance, and the types of policies a person gets also helps determine the rates. Get quotes from at least four companies to find the cheapest auto insurance rates for your needs. Starting with the cheapest auto insurance companies in the state is a great plan.

Age Average Premium (yearly)
16 $7,437
17 $6,728
18 $5,931
19 $3,568
20s $2,048
30s $1,483
40s $1,423
50s $1,322
60s $1,332
70s $1,560

Cheapest Car Insurance Companies In Oklahoma

There are some car insurance providers in the state of Oklahoma that provide lower rates on average than others. This includes car insurance companies like USAA, Geico, State Farm, and Progressive. Each year auto insurance providers evaluate the formulas that they use, so comparing rates each year can help you consistently save money. Most people are paying more than they need to for automobile insurance, and the most significant reason why is that they need to be comparison-shopping more. Rates, on average, can vary by age, gender, and driving record, among other things.

Consider getting more than the minimum amount required by law when purchasing a policy. Keep in mind that uninsured motorist coverage is not required by law, but insurance companies are still required to offer it with their policies in the state. Uninsured and underinsured motorist coverage is worth it to consider, as it helps your costs if you are involved in an accident with someone who is without insurance coverage, and is deemed at-fault.

There are other optional coverages also available, such as collision insurance coverage, comprehensive insurance coverage, lease gap coverage, and others. Getting a policy that suits your needs is essential.

Rank Company  Avg. Premium (annual)
1 The Hartford $1,347
2 USAA $1,371
3 Progressive $1,479
4 State Farm $1,503
5 GEICO $1,852
6 Oklahoma Farm Bureau $1,872
7 Travelers $1,889
8 Mercury $2,109

Unique Car Insurance Rules And Penalties In Oklahoma

It is against the law to drive without insurance on the streets of Oklahoma. If police officials discover a person who is driving without a valid insurance policy in the state, and pull them over, the person will be penalized. Oklahoma is unique in that if the state discovers a motorist without insurance when pulled over, the state will give them temporary liability insurance coverage. This must be replaced with an actual policy within ten days. If it is not, over $800 in total fees and fines can be administered. There are additional penalties, such as imprisonment or suspension of a person’s driving privileges. Those who are caught uninsured when they are involved in a traffic accident will face even more significant fines and penalties.

There are reinstatement requirements in addition to fines, fees, and potential imprisonment for driving without insurance in an accident. Police officers in the state can also confiscate a person’s license plate immediately. It is also vital to take note that people involved in car accidents can be held liable for the damage to another person’s vehicle or injuries to the passengers in other cars. This can add up to a large sum of money, which can put a strain on a person’s finances. Having a valid car insurance policy helps to lessen the risk of this sort of strain on a person’s finances due to a car crash.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,428 56% $868
Refused Breathalyzer/Chemical Test $2,124 36% $564
DUI $2,124 36% $564
Racing $2,288 47% $728
Reckless Driving $2,253 44% $694
Driving with a Suspended License $2,302 48% $743
At-Fault Accident $2,323 49% $763
Driving with an Open Container $1,980 27% $420
Operating a Vehicle Without Permission $2,384 53% $824
Passing a School Bus $1,999 28% $439
Improper Passing $1,932 24% $372
Following Too Closely $1,933 24% $373
Speeding $1,883 21% $323
Failure to Stop at a Red Light $1,909 22% $349
Illegal Turn $1,934 24% $374
Driving Wrong Way/Wrong Lane $1,887 21% $327
Failure to Yield $1,886 21% $326
Speeding in a School Zone $1,881 21% $321
Driving Too Slowly $1,879 20% $319
Distracted Driving $1,851 19% $291
Driving with Expired Registration $1,680 8% $120
Failure to Show Documents $1,681 8% $121
Not-at-Fault Accident $1,737 11% $177
Failure to Use Child Safety Restraint $1,624 4% $64
Failure to Wear a Seat Belt $1,650 6% $90
Driving Without Lights $1,605 3% $45

How To Get The Cheapest Car Insurance In Oklahoma

People use the tools at General to save money on car insurance policies in Oklahoma. Shopping around is one of the best ways to do this, and you can get free quotes from multiple auto insurance providers here at General. General also helps people make sure that they are getting the car insurance discounts they qualify for. Auto insurance discounts are a fantastic way to save even more money on your coverage. There are discounts for things like good driving records, being a good student, having antitheft devices on your vehicle, bundling policies, paying in full, and purchasing multiple types of plans from one insurance provider. Get the top rates for auto insurance in Oklahoma available using the free car insurance quote at General.

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