Oklahoma car insurance laws require drivers to maintain a valid insurance policy that includes bodily injury liability and property damage liability. Failure to do so may result in penalties and fees.<\/p>\n\n\n\n
When shopping for Oklahoma auto insurance, it\u2019s helpful for car owners to understand what\u2019s required to drive legally and why purchasing additional coverage may be beneficial. In addition to mandatory insurance, here are a few other laws to be aware of:<\/p>\n\n\n\n
Drivers in the state of Oklahoma are required to maintain minimum auto insurance coverage for their vehicles. Hence you want to make sure your auto policy meets or exceeds the required minimum for coverage in Oklahoma. <\/p>\n\n\n\n
Oklahoma law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It’s important to know this coverage doesn’t cover you, your car, or your personal belongings.<\/p>\n\n\n\n
Drivers must have a car insurance policy with the minimum coverage of:<\/p>\n\n\n\n
You may see this written as 25\/50\/25.<\/p>\n\n\n\n
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.<\/p>\n\n\n\n
Geico\u2019s average full-coverage premium in Oklahoma is nearly 50% below the state average, making it one of the cheapest companies available. On top of this already low average premium, Geico also has an extensive list of potential discounts that might help further lower your rate. <\/p>\n\n\n\n
Although military members and government employees could earn the company\u2019s Eagle discount, the company doesn\u2019t have eligibility restrictions like military-focused USAA. Civilians might qualify for other savings opportunities, too, like defensive driving or affiliation (which offers savings if you are part of certain organizations) discounts or Drive Easy, Geico\u2019s telematics program.<\/p>\n\n\n\n
State Farm may be known for its expansive network of neighborhood agencies, but it also scored highly in the service category in the J.D. Power 2023 U.S. Insurance Digital Experience Study. This score indicates that State Farm policyholders are typically happy with the company\u2019s online policy portal and mobile app (which is also highly rated on the App Store and Google Play). <\/p>\n\n\n\n
Unlike some companies’ mobile tools, State Farm\u2019s app allows you to make policy changes as well as make payments and track claims. It also has a tendency to offer lower-than-average rates for those with a single at-fault accident or speeding ticket on their records.<\/p>\n\n\n\n
Customers who value strong customer service \u2014 through a mobile app or local agents \u2014 may choose State Farm as their carrier of choice.<\/p>\n\n\n\n
Although Progressive\u2019s average rate in Oklahoma is only slightly below the state average, getting a quote from the company may be worth it for drivers looking for a streamlined car insurance shopping experience. Not only will Progressive\u2019s Name Your Price tool curate a coverage package based on your desired budget, but the company will also present you rates from its competitors to help you compare. <\/p>\n\n\n\n
When it comes to coverage add-ons, Progressive offers not one but three types of accident forgiveness, helping this insurer stand out from the competition.<\/p>\n\n\n\n
Oklahomans new to car insurance might find Progressive\u2019s quoting process easy, helpful and quick, as long as they don\u2019t mind paying a little extra for the convenience.<\/p>\n\n\n\n
Drivers looking for auto insurance in Oklahoma with an extensive list of coverage add-ons may want to request a quote from Farmers. Along with some of the more standard coverage options like emergency road service and rental reimbursement, you could add coverage for loss of use, which could pay you a flat sum to use for public transportation when your car is repaired after a claim. Spare parts coverage is also available, which provides reimbursement for spare parts (up to $750) if yours are damaged or destroyed due to a claim. <\/p>\n\n\n\n
Typically, car insurance companies use after-market parts to repair your vehicle after a claim, but with Farmers\u2019 original equipment manufacturer (OEM) coverage, the company will cover the additional cost of using factory-original parts instead.<\/p>\n\n\n\n
Oklahoma drivers looking for robust coverage options and a face-to-face agent experience might want to consider contacting Farmers.<\/p>\n\n\n\n
There are six military bases in Oklahoma, which means that USAA could be a good choice for a significant subsect of the state\u2019s population. This is because USAA is only available to active-duty members of the U.S. military, veterans and their qualifying family members. <\/p>\n\n\n\n
Eligible Oklahomans might enjoy top-notch customer service and unique, military-focused savings such as the military on-base discount or a discount for storing your vehicle (perhaps during deployment or training). Considering that USAA already offers lower-than-average rates in Oklahoma, these discounts could really add up.<\/p>\n\n\n\n
Oklahoma teens looking to get their driver’s license should be familiar with Oklahoma’s teen driving laws. To receive a learner’s permit, a teen driver must be at least 15 \u00bd years old, complete a written exam, and show proof of enrollment in a driver education program (driver education is only required if under age 16). <\/p>\n\n\n\n
After six months, the driver becomes eligible for a restricted license, which means the teen cannot drive between 10:00 PM and 5:00 AM. The teen can also only drive with one passenger who must be at least 21 years old, unless the passengers are family members. All restrictions are lifted after six more months of driving at a minimum age of 16 years, 6 months (or age 17 without driver education courses).<\/p>\n\n\n\n
Policies for teen drivers cost thousands more annually than the state average car insurance rate. The average for 17-year-old female drivers is $5,163, and the average for 17-year-old males is $6,038.<\/p>\n\n\n\n
American Farmers & Ranchers has the lowest average annual rates for female and male teen drivers: $2,144 and $2,224, respectively. Farmers has the highest sample rates in our study, $9,202 for females and $9,946 for males.<\/p>\n\n\n\n