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Oklahoma Car Insurance & Minimum Coverages

Oklahoma is well-known for its rich Native American history and its picturesque mountain ranges. Many choose to make the Sooner State their home because of the quiet lifestyle it affords.

If you’re planning to move to Oklahoma, you’ll need to legally register your car in the state. To do so, you’ll need to learn about Oklahoma car insurance and what’s required.

In this guide, you’ll discover all you need to know about insuring your car in Oklahoma.

Oklahoma Car Insurance Minimum Coverage

Before you register your car in Oklahoma, you’ll need to prove that your vehicle is covered with at least the minimum insurance. Those requirements are as follows:

  • Bodily injury liability coverage: $25,000 per person and $50,000 per accident.
  • Property damage liability coverage: $25,000.
  • Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident.

While those are the minimum coverages, you may choose to purchase additional insurance to protect yourself. For instance, collision and comprehensive options are available, as are roadside assistance and even rental car reimbursement.

The insurance you choose is up to you and your comfort level, but remember that you do have to have those minimum coverage requirements met to legally drive in Oklahoma.

What is the Average Cost of Car Insurance in Oklahoma?

Before you begin shopping around for Oklahoma car insurance, you may be curious about the rates you’ll pay. In Oklahoma, the average driver pays around $1,408 each year for full coverage. If you opt for just the minimum coverage, you can expect to pay around $368 per year.

Your insurance premiums will vary based on a number of factors. Agents will look at your:

  • Age
  • Gender
  • Marital status
  • Zip code where you park your car
  • Vehicle make and model
  • Credit
  • Driving history

Shop around to find the best rates for your insurance based on these factors and the coverage that you need.

Why is Car Insurance So Cheap in Oklahoma?

There are a few reasons why you may pay less for your Oklahoma car insurance. First, there are fewer drivers on the road in the Sooner State compared to other states. Fewer drivers usually means fewer accidents, so your auto insurance premiums will reflect this.

Secondly, weather is fairly predictable in the state of Oklahoma. The occasional tornado may hit, but events like hurricanes and flooding are extremely rare. This, too, is reflected in the price you pay for insurance.

Finally, Oklahoma’s property crime rates are lower than some other states in the country. That means you’re less likely to experience vandalism or theft of your car. Fewer payouts for this type of incident means the insurance companies can pass savings along to you.

Lapses in Oklahoma Car Insurance

Once your car is registered in the Sooner State, you must maintain continual insurance coverage of at least the minimum requirements. Failure to provide proof of insurance to law enforcement when asked can result in fines of up to $250.

In addition to being fined, you risk suspension of your license and registration. It will cost you in excess of $500 to get your driving privileges restored. That’s more than some people pay each year for car insurance!

In serious cases, you may face jail time if you don’t have insurance on your vehicle. Put simply, your best bet is to just keep your Oklahoma car insurance coverage up to date.

Best Auto Insurance in Oklahoma

Oklahoma drivers were polled to determine the fan favorites for car insurance in the state. Consistently, the following five companies ranked best in terms of coverage, price, and customer service:

  • Allstate
  • Shelter Insurance
  • State Farm
  • USAA

As with any product, be sure to shop around for the company and the rate that’s best for your lifestyle.

Driving in Oklahoma

Ready to hit the road in the Sooner State? Here are a few facts about driving in Oklahoma you may be interested to learn.

  • It’s illegal to tie your horse in front of city hall. Best to drive your car and just park it.
  • You must honk your horn while passing another vehicle on the road.
  • Your mode of transportation must be tied up if it’s not in use; we’re pretty sure this doesn’t apply to cars.
  • It’s illegal to play catch on a city street.

Conclusion: Car Insurance in Oklahoma

Oklahoma has great views and an impressive history, and you probably want to take it all in. To do so, you must carry at least the minimum coverage car insurance in the Sooner State to avoid penalties and fines.