Oklahoma Auto Insurance

The Sooner State

Compare Insurance Quotes From Multiple Companies

Oklahoma Auto Insurance

Oklahoma is one of our most geographically diverse locales… mountains, forests, prairies, canyons, rivers, and more stretch all throughout the state. Oklahoma also boasts the world’s tallest hill (as it fails to meet the mark of a “mountain” by one foot). But Oklahoma is also known for its natural disasters. It is so well known for its tornadoes, the movie “Twister” was filmed there. Auto insurance protection is a must in Oklahoma, whether to save you from costly weather-related car damages, or expensive accident-related costs.

Auto insurance rates in Oklahoma can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help-- we’re specialists and happy to share our network and our knowledge with you-- so you can get the coverage you’re looking for at a price you’re comfortable paying.

Use the simple form below for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you’ll be ready to choose from our top-rated affordable carriers.

Required Auto Insurance Coverage in Oklahoma

For nearly all states in our nation, residents are required to carry some form of auto insurance.  Oklahomans must carry liability insurance in order to be legal drivers.  Liability insurance will cover costs (up to your policy’s limits) to the other driver’s injuries and damages if you were found to be at fault for an accident. Keep in mind, however, that liability insurance won’t help pay for any personal damages to you or your vehicle.

State Minimum Liability Coverage in Oklahoma:

  • BI or Bodily Injury: $ 25,000 per person, $50,000 total per accident
  • PD or Property Damage: $25,000 per accident

To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Oklahoma to Consider

The insurance minimums should help you, financially, in the event of an accident that you may have caused… but these minimums won’t be of assistance in many other situations. Consider additional coverage options, and higher limits, as doing so could save you a significant amount of money.

Below are some examples you may want to consider:

  • Uninsured or Underinsured Motorist Coverage - If you are involved in an accident caused by an uninsured driver, you could risk paying for damages yourself… even though the accident wasn’t your fault. With this coverage, your insurance company would help pay for expenses caused by the motorist. However, in Oklahoma, your private passenger auto policy for uninsured motorist coverage may only cover bodily injury… not property damage. Check with your auto insurance provider to make sure you are covered for both BI and PD.
  • Collision Coverage - In accidents involving other vehicles, collision coverage would help pay for damages to your own car, up to your policy’s limits.  The liability coverage minimums listed above only help pay for the other people and vehicles involved in a collision, but not your personal damages.  With the national average repair costs from a single accident being close to $3,000, you understand the importance of collision coverage.
  • Comprehensive Coverage - For damages not collision-related, this type has you covered, less your deductible. Natural disasters, vandalism, hail damage, and more do happen all too often, and you don’t want to be responsible for paying for the cost of repairs out of your own pocket.
  • Higher Bodily Injury Limits - Even minor accidents can require medical attention, and serious accidents could cause those medical bills to add up. Depending on the extent of injuries, and how many were injured, the minimum may not be enough to cover all the costs. Higher BI coverage could protect you from those costly expenses.
  • Higher Property Damage Limits - When you consider the fact that many accidents don’t just involve one, single vehicle… the minimum PD liability may not be enough. An accident could cause damage to light poles, fences, buildings, and other structures. Considering a higher PD limit could prevent you from paying the remainder yourself.

These types and limits aren’t required, but you should consider them for your policy. If you need help determining your specific auto insurance coverage needs, call us at Auto Insurance Specialists.

Oklahoma Auto Insurance Discounts

Discounts can play a big part in saving you money on your auto insurance rates. Many times, people miss out on discounts, just because they don’t realize that they qualify for them. We at AIS can walk you through the many discounts available, and help you to know which ones you qualify for.

Examples of these discounts may include:

  • Safe driver
  • Multi-vehicle
  • Good student
  • Accident free
  • Multi-policy
  • And more…

To learn more about specific discounts, visit our Discounts page.

Oklahoma is an outdoor lover’s dream, but one might also experience nightmare-like car damage and injuries following an accident. Without proper auto insurance, these nightmares can become costly for those involved. Finding a reputable auto insurance company that will offer you a great rate could take time and requires knowledge. That’s where Auto Insurance Specialists can help-- we’re specialists and happy to share our network and our knowledge with you-- so you can get the coverage you’re looking for at a price you’re comfortable paying.

Use the simple form below for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you’ll be ready to choose from our top-rated affordable carriers.

Or call us at (888) 772-4247 to start an Oklahoma Insurance Quote.

You are leaving AIS Insurance and will be redirected to our partner site to complete your quote and purchase.