Car Insurance in Bixby, OK

Drivers in Bixby, OK need car insurance. A good auto policy can shield you from unmanageable financial losses, whether you cause a multi-car collision on the Creek Turnpike, get rear-ended at a red light on Memorial Drive, have a fender bender in a parking lot, or anything in between.

Local independent agents are available to answer your coverage-related questions. These agents can also help you find the coverage you want at the most competitive price. Contact an independent insurance agent near you when you’re ready to start comparing customized car insurance quotes.

How Much Does Car Insurance Cost in Bixby, OK?

On average, car insurance rates in Oklahoma are higher than the national average rate.

• National average annual car insurance cost: $1,311
• Oklahoma’s average annual car insurance cost: $1,496

Your actual costs may be higher or lower than this average. Insurance companies calculate each person’s rates case-by-case, based on factors such as:

• The year, make, model, trim, and value of the vehicle(s) you are insuring
• Your age, gender, marital status, occupation, and driving history
• Details about the other licensed drivers in your household
• The amount and types of coverage you include in your policy
• Your insurance claims history and credit score
• Whether you own or rent your home
• The collision and auto theft rates in the vicinity of your home
• The size of your deductible

No two car insurance companies calculate rates in the same way. That is why it pays to compare rates from a few competing providers before selecting a policy. Independent insurance agents make comparison shopping easy.

You can often earn significant policy discounts if you purchase your car insurance from the same insurance company that provides some of your other coverage like your home insurance or renters insurance. This is called bundling.

You may also qualify for other potential car insurance discounts if you are a military service member, a safe driver, a student with good grades, or insuring multiple vehicles. A good insurance agent will ensure that you receive any offered discounts for which you qualify.

Is Car Insurance Required in Bixby, OK?

As a vehicle owner in Bixby, you must have a car insurance policy that includes liability insurance at levels that meet or exceed Oklahoma’s minimum coverage requirements. This means your policy must provide:

• Auto liability insurance: This covers injuries and property damage sustained by others if you are at fault for an accident. You must have at least:
  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per accident
  • $25,000 in property damage liability coverage per accident

Some vehicle owners in Bixby also need to carry physical damage coverage. This coverage is not required by law, but it is usually required by lenders if you are financing your car and by dealerships if you are leasing it. This includes:

• Collision insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

If you own your vehicle outright, physical damage insurance is optional.

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What Else Does Car Insurance Cover in Bixby, OK?

In addition to the coverage mentioned above, insurance companies typically offer a few options that you may want to consider adding to your car insurance policy. These coverage options may include:

• Medical payments: This covers some of the cost of medical treatment if you or your passengers are injured in a collision, regardless of fault. It is usually ideal for covering things your health insurance may not, like ambulance services, copays, and deductibles.
• Uninsured motorist insurance: This covers medical treatment for you and your passengers if you are injured in a collision caused by an uninsured or underinsured driver.
• Glass and windshield replacement insurance: This covers parts and labor costs if you need to have the safety glass in your vehicle’s windshield, windows, or sunroof replaced.
• Towing and roadside assistance: This provides coverage if your vehicle breaks down while you are out on the road, such as if you get a flat tire or run out of gas, and you need assistance or a tow truck.
• Gap insurance: This helps people who owe more for their vehicle than it is worth. It can pay off your car loan or buy out your lease if your car is totaled in a covered event.
• Rental reimbursement coverage: This can cover the cost of renting a car while you are having yours repaired for damage sustained in a covered event.

Be sure to review the details and costs of all offered coverage options so you can decide which choices are a good value for you and your family.

What Is the Penalty for Driving without Car Insurance in Bixby, OK?

Driving without insurance in Oklahoma is illegal. If caught driving an uninsured vehicle, you can face penalties that include:

• Fines: You can be assessed a fine of up to $250.
• Incarceration: You may be sentenced to up to 30 days in jail.
• Suspension of driving privileges: You can have your driver’s license and vehicle registration suspended until you provide proof of insurance.
• Fees: You will need to pay several fees, including a $125 administrative fee, a $275 fee to get your vehicle registration reinstated, and a $175 fee to get your driver’s license renewed.
• Impoundment: You may have your vehicle impounded. If this happens, you will need to get your vehicle registration reinstated and pay fees to the impound lot before you can retrieve it.

Additionally, a conviction for uninsured driving puts you in a high-risk driver category, resulting in higher car insurance rates. Despite these penalties, many drivers in Oklahoma are operating uninsured vehicles.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Oklahoma drivers who are uninsured: 10.5%

If your car insurance policy includes uninsured motorist insurance, you can rest assured that if you are injured in a collision caused by an uninsured driver, your insurance company will cover your medical costs. This saves you from the need to go through lengthy legal channels to collect the money you are owed.

How High Is the Auto Theft Rate in Bixby, OK?

The auto theft rate in Oklahoma is higher than the national rate. However, in Bixby, the rate is lower. This does not mean the risk does not exist. Residents of this city report around 40 auto thefts a year.

• National auto theft rate per 1,000 people: 2.29
• Oklahoma auto theft rate per 1,000 people: 3.37
• Bixby auto theft rate per 1,000 people: 1.13

You should be aware that if your vehicle is stolen, you will only receive compensation for your loss if your car insurance policy includes comprehensive coverage. This “other-than-collision” insurance covers a wide range of non-collision loss and damage.

If you are leasing or financing your vehicle, chances are good you have this coverage already. If not, you may want to ask how much it would cost for you to add comprehensive coverage to your car insurance policy.

What Are the Best Car Insurance Companies in Bixby, OK?

Qualities that make an insurance company stand out above the rest include responsive customer service, reliable coverage, and affordable rates.

Independent insurance agents have teamed up with some of the best car insurance companies in Oklahoma. This lets you be certain that any policies your agent recommends to you are offered by companies you can count on if you ever need to file a claim.

How Can an Independent Agent Help Me Find the Best Car Insurance Policy in Bixby?

Independent agents take the guesswork out of finding the best auto insurance policy. These agents can explain your various coverage options, answer your insurance-related questions, and help you compare customized car insurance quotes from a selection of competing providers.

It doesn’t cost anything to work with one of these experienced insurance professionals. Find an independent insurance agent near you to learn more.