Oklahoma might be known as the Sooner State, but you’d sooner move than overpay on car insurance! We get it. You might not have a choice about having car insurance, but you do have options available to you, from Tulsa to Elk City and everywhere in between.
So Oklahomans, keep reading: great car insurance is just around the corner.
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We’ll start out first with the bare minimum requirements in the state of Oklahoma. This means that you need to have this amount of car insurance coverage in place before shifting into drive.
These minimums are set at 25/50/25, which means:
We want to reiterate though that just because this is all that the state requires of you, that doesn’t mean it’s all the coverage you should have. A safer setup is 100/300/100, because accidents can very quickly add up in costs and you’d be left with the bill for anything that your insurance doesn’t cover.
The good news is that full coverage is likely more affordable than you might think. Next, we’ll explore the types of car insurance coverage you can choose from, and what you can expect in terms of costs.
The neat thing about car insurance is that you can choose your coverage, like browsing a buffet of options. Fill up your plate with the coverage you do want, and leave what you don’t.
There are plenty of options to choose from. Some of the most common coverage types include:
These are just some of the common options available to you. Depending on the insurance provider you go with, you might be able to add even more coverage options that help you feel most protected.
Remember: the only coverage you need on the above list is bodily injury liability and property damage liability, according to Oklahoma car insurance laws. But it’s wise to get more coverage than you are legally required to, because you never know what might happen.
If cost is an important part of the coverage decision, we’ve got that and more, next.
But first, listen up new parents: if your newest addition to the family means a bigger, better car is in the cards, then you’re going to want to keep reading for how to find savings on your insurance. But insurance is just one part of the financial puzzle when it comes to expanding the family. Grab our free financial guide for new parents so you can stay on top of all things money when the wee one arrives.
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No one likes overpaying for anything, and least of all car insurance. You might not have a choice about having car insurance in Oklahoma, but you do have a say in how much you pay.
To give you a rough idea on car insurance costs in the Sooner State, we’ve pulled together some average costs:
These figures are designed to give you a ballpark of what you might expect to pay for car insurance. But the actual Oklahoma car insurance quotes you’ll receive depend on a number of factors, including:
Quotes can vary significantly from person to person, but also from provider to provider. This is because each insurance provider uses their own algorithm to come up with quotes, weighing each factor differently. This is why it’s so important to shop around for car insurance, because you could save significantly in premiums.
Let’s take the guesswork out of it. Get access to free car insurance quotes here, so you can budget accordingly.
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Now that you know everything there is to know about finding great auto insurance in The Big Friendly, it’s time to get shopping. With your newfound knowledge on average costs, coverage types, and how to find savings, you’re ready to find the best Oklahoma car insurance for your needs.
Start by getting access to free quotes here and you’ll be on the road to affordable car insurance with great coverage. We’ve got you covered!
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Margaret Huntley Margaret Huntley is a creative writing and philosophy student at Western University. She has been working as a freelance writer for over two years and has written about everything from insurance, to poker, to health and wellness for international businesses.
