It’s important to know the Oklahoma car insurance requirements so that you can be both a safe and protected driver.
Moving to a new state presents a lot of logistical challenges, and it can be very disruptive to uproot yourself and your family and move miles away from everything that is familiar and comfortable. If you’re moving to Oklahoma, one of the last things on your mind is probably car insurance, but it’s important to make sure that you don’t leave these arrangements until the last minute.
Each state has different requirements for what it takes to be a legal driver, and Oklahoma is no different. It’s important that you become familiar with the car insurance requirements of this state before you move so that you can begin your research for a new auto insurance provider if necessary. Read on to learn all about Oklahoma auto insurance coverage and then use the free tool above to start comparing free Oklahoma car insurance quotes online!
Minimum Requirements for Oklahoma Car Insurance
Oklahoma is similar to many states in that it requires all registered drivers to carry at least a liability insurance policy in order to legally operate their vehicles on the highways and roadways. No matter which insurance company you choose to work with, you’re going to have to choose between different sized policies. It can be helpful to know that the minimum amount of liability insurance required in Oklahoma is:
- $25,000 for medical expenses accumulated by an individual driver
- $50,000 for medical expenses accumulated by additional occupants in the vehicle
- $25,000 for repairs to public and private property, including the vehicle of the victim
These are higher levels of Oklahoma auto liability insurance than are required by many other states, and if you’re moving from another state, you might have to prepare yourself for an increase in liability premiums.
Is Liability All I Need?
If you are operating on a strict OK car insurance budget, you might be wondering if the minimum levels of liability coverage are all you need. While it’s true that these levels are all that are required by Oklahoma state law, it’s important to point out that they will not offer you any compensation in the event that your car is damaged or you are injured in an accident. Liability provides compensation to the other driver only.
Additional Oklahoma Auto Insurance Coverage to Consider
If you are able to afford it, you might want to consider augmenting your liability insurance policy with other types of coverage that will offer you compensation in the event that you’re involved in an accident that injures you or damages your car. Some of the most popular types of Oklahoma car insurance are:
- Collision/comprehensive: to cover the costs of repairs to your car (up to the Blue Book value)
- Gap insurance: to cover the difference between the value of the car and the amount that you still owe on the car loan, in the event that the car is totaled before you own it outright
- Uninsured/underinsured motorist insurance: to cover damages and injuries that are inflicted by a driver with insufficient insurance coverage
Finding the Best Oklahoma Car Insurance Rates
It’s easy to find the best OK car insurance rates if you compare quotes from many Oklahoma auto insurance companies. Enter your zip to start now!
