The Oklahoma car insurance rates are on par with the national average of the auto insurance rates in the country. This would be surprising considering that a large part of Oklahoma is rural. The problem is that the number of car accidents per capita in Oklahoma is very high which makes it among the top 10 most dangerous states when it comes to driving.
In addition to that, many Oklahoma drivers are also uninsured. As a driver in Oklahoma, it makes sense that you choose the best Oklahoma car insurance and protect yourself. Insurance costs for cars in Oklahoma are right up there are among the highest in the United States. If you want to save car insurance in the Sooner state, you need to check all the options available.
If you are a driver in Oklahoma and don’t have a recent at-fault accident, you can save about 31% on your auto insurance premium. You may also qualify for a safe-driving bonus which gives you a further discount of 5-10%.
Since most of the states in the United States have the same requirements as Oklahoma you get to choose from a variety of Auto Insurance plans. In Oklahoma, as per the law, the minimum liability limits when it comes to insurance coverage for your car is 25/50/25. This means:
- $25,000 per person bodily injury coverage
- $50,000 per accident bodily injury coverage
- $25,000 per accident property damage coverage
When it comes to minimum liability, Oklahoma is similar to other states. However, it is advisable to buy more than the minimum liability. In case you get into an accident with a luxury car, the minimum of $25,000 of property damage may not cover the cost of the damage of the car and you may have to pay the difference from your pocket.
In Oklahoma, liability coverage is legally required. If you are at fault, then you will need to pay, for the damage to the vehicle of the other driver. In addition to that, you will also need to pay for any injury that is caused to the other driver. You also have to pay for the injury that is caused to the passengers and any lost wages.
Types of Coverage for Oklahoma Car Insurance
You can choose from a variety of optional coverage in Oklahoma which includes Comprehensive, Medical and Funeral Services, Rental Car Reimbursement, Collision, Loan/Lease Payoff, Roadside Assistance, and Uninsured Motorist Bodily Injury. You can also check more details about Oklahoma car insurance here.
Even within Oklahoma, the insurance rates differ. In cities like Tulsa, Oklahoma City, and Broken Arrow, the insurance is high. In cities like Duncan, the insurance is lower.
Factors that Determine Oklahoma Auto Insurance
Along with location, there are many other factors that can increase or decrease the cost of insuring your car. The age and model of your car are important factors. In addition to that, the safety features and alarms that you may use in your car play an important role in deciding your Oklahoma auto insurance premium. The coverage amount that you purchase and the number of vehicles that you insure are also important. Finally, your own driving record and your age are considered while deciding your insurance premium. You can also check the best car insurance companies in the market to find one for yourself.
Many times when we check for car insurance online, we compare the prices and the reviews. Many reviews may not be positive. This is because most happy owners don’t frequently leave a review. In comparison, car insurance owners who feel that they have got a bad deal may leave a negative review. That’s why it is best to check unbiased rating from NAIC (national association of insurance commissioners). That way you are assured that the insurance company you have taken your Oklahoma auto insurance from is a reputed company. This is especially important if you have taken comprehensive insurance. Weather and natural disasters can wreck your car along with thousand other cars in the state. In that case, it is important that your insurer can pay out after the calamity so that you can buy a new car.