If you are a resident of The Sooner State and drive your car to work, to school, or to fun activities, you’ve probably given some thought to the costs of car insurance. Oklahoma is a great place to live and work – but do you know how to find the best car insurance quotes here? Are you wondering if your current insurer is offering you a competitive rate? Will you be moving to Oklahoma soon and want to make sure you carry the right coverage?
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Oklahoma Car Insurance Costs
- National average cost per year: $1,474
- Oklahoma average cost per year: $1,568
- 18th most expensive premiums in the US
The most recent information available as of 2017 shows that Oklahoma average premium costs are $1,568, which is higher than the national average. Keep in mind that this gives an idea of the general range of premium costs. The actual rates in a quote will take into account information like your age, where you live, your car's make, model and year, and your driving record.
Oklahoma Car Insurance Requirements
- Bodily injury liability: required
- Property damage liability: required
- Personal Injury Protection (PIP): not required
- Uninsured motorist: not required
- Minimum liability limits: 25/50/25
- Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage.
The state requires minimum car insurance in order to be a legal driver. Drivers without the mandated coverage face fines of up to $250 and/or up to 30 days in jail. Their license may also be suspended until a reinstatement fee is paid and proof of minimum coverage is presented in court.
Oklahoma Uninsured Motorists Data
- National uninsured motorists: 12.6%
- Oklahoma uninsured motorists: 25.9%
- Oklahoma average vehicle repair cost: $2,796
Despite possible fines and even jail sentences, a quarter of Oklahoma drivers do not have a minimum policy. The state does not require residents to carry uninsured motorist coverage, but it can be purchased as a policy option for an additional charge.
In any case, at-fault drivers are still responsible for damages, but getting payment from them can be a huge hassle, since they’ll need to come up with money out of pocket for damages. This coverage can help you recover losses if you are in an accident with an uninsured driver. Your insurer will compensate you for costs you had to pay, and then can turn around and pursue the uninsured driver, but you are not responsible for collecting money to cover your loss.
Thefts in Oklahoma
- National car theft rate (per 1,000 registered vehicles): 2.94
- Oklahoma car theft rate (per 1,000 registered vehicles): 3.49
The care theft rate in Oklahoma is almost the same as the national average. Take common sense measures to protect your vehicle and insure your investment with a comprehensive Oklahoma car insurance policy.
Protect Your Vehicle with the Best Oklahoma Car Insurance
Your local, independent agent in the Trusted Choice network can help you compare Oklahoma auto insurance quotes, understand your policy, and select the right amount of coverage. An independent agent can help you shop for the best coverage at a price you can live with.