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Oklahoma auto insurance laws
Oklahoma is a tort state, which means that drivers are financially responsible for the property damage and personal injury they may cause during an auto accident. Liability insurance is required to fulfill this responsibility.
Oklahoma auto insurance laws require liability coverage of 25/50/25. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $25,000 for any damage that you cause to the other driver's car and/or property.)
However, these are only minimums, and higher levels of protection are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injury is involved.
Oklahoma auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.
You may want to consider purchasing any or all of these policies, especially uninsured and underinsured motorist coverages. These help cover the cost of your injuries should you be in an accident with a driver with inadequate liability insurance.
How Oklahoma car insurance rates are set
For better or for worse, the price of Oklahoma auto insurance is decided by the behavior of the state's drivers as a whole. Oklahoma auto insurance companies take the cost of providing insurance for Oklahoma drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.
But the cost isn't spread around evenly. Instead, Oklahoma car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.
Of course, not all insurance companies use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote youdifferent rates.
What this means for you, as an Oklahoma driver, is that you need to shop around. It's the fastest easiest way to save on an Oklahoma auto insurance policy.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.