Enter your ZIP code:

Oklahoma Car Insurance

The subject of Oklahoma car insurance is not as complicated as you might expect. However, finding the right policy to meet your needs can be.

It takes persistence and determination to compare insurer offerings, examine coverage and settle on an Oklahoma car insurance policy you can live with.

InsureMe, your premier online insurance quoting service, has been educating consumers on the subject of car insurance since 1993-and we'd like to help you, too! Take just a moment to provide us with a little information, and you'll be on your way to Oklahoma car insurance tailored specifically to your needs.


Important Information about Oklahoma Car Insurance

Oklahoma is a tort state, which means drivers are held financially responsible for the property damage and personal injury they cause.

The degree of fault documented by each driver's Oklahoma car insurance company determines the amount of money each party must contribute toward the resulting costs. This is known as "comparative negligence."

State law requires car owners and drivers to carry either an owner's policy or a non-owner's policy in order to prevent any lapse in Oklahoma car insurance protection. However, the state requires only liability coverage, which protects you against costs incurred when you damage or injure someone else or their property.

Minimum amounts of liability insurance Oklahomans must carry include:

  • $25,000 bodily injury per person
  • $50,000 per accident
  • $25,000 property damage

Most Oklahoma car insurance companies strongly recommend you carry more than these basic minimums. You must have enough coverage to protect yourself against financial obligations such as medical bills and repair costs, and legal obligations such as lawsuits.

Other Significant Considerations

Oklahoma car insurance companies also offer optional coverages such as medical payments, collision, comprehensive, and uninsured/underinsured motorist to further protect you in the event of an accident. Talk to a qualified Oklahoma car insurance agent to determine which, if any, coverages you need.

How Premiums Are Determined

Oklahoma car insurance premiums are determined by the behavior of the state's drivers on the whole.

Insurance companies divide up the cost of doing business providing Oklahoma car insurance to consumers, and disperse it amongst Oklahomans who own and/or operate a vehicle.

But cost isn't spread around evenly. Oklahoma car insurance companies group like consumers together in categories, and then determine premium rates based on claims risk within that group. Group factors considered include driving record, age, location, type of car driven, annual mileage and other measurable statistics.

What This Means for You

Each of these factors plays an important role in the determination of your Oklahoma car insurance premium.

Car insurance companies set rates according to calculated risk levels; so if you have multiple tickets, drive an expensive car or live in a high-crime area, your Oklahoma car insurance premiums will likely be higher than those for someone who has no tickets or accidents, drives a less expensive car or owns one that costs less to repair.

However, not all Oklahoma car insurance companies use the same categories and calculations to figure rates, so be sure to compare companies and policies thoroughly before making your final purchasing decision.

Keeping Your Costs Low

To get the best Oklahoma car insurance coverage at the best price, you must take steps to keep premium costs low.

Some good ways to lower your Oklahoma car insurance premium include:

  • Maintaining a good driving record
  • Setting deductibles high
  • Maintaining a good credit history
  • Inquiring about discounts
  • Buying multiple policies with the same insurance company
  • Choosing your new car carefully

If You Can't Find Coverage

The Oklahoma Automobile Insurance Plan (OAIP), created in 1950, provides Oklahoma car insurance to high-risk or uninsurable drivers who meet certain eligibility requirements. Any state car insurance agent can help you apply to this plan if you can't find insurance coverage elsewhere.

For more information on OAIP, talk to a licensed Oklahoma car insurance agent, or get more information online at www.aipso.com/ok.

If You Still Need Help…

Contact your local Oklahoma car insurance company or agent. For further unresolved issues, contact the Oklahoma Insurance Department at 800-522-0071, or log on to www.oid.state.ok.us any time.

Now That You Have All the Facts…

Let InsureMe make shopping for your Oklahoma car insurance simple. Experience tells us you not only want something affordable, but you want the right policy, too. We can get you up to five car insurance quotes so you can decide what's best for yourself!

Act today!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!   
Free Health Insurance Quotes!   
Free Life Insurance Quotes!   

List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10874
101 Wyoming Auto Insurance youcomparequotes 10771
100 Wisconsin Car Insurance youcomparequotes 10394
99 Wisconsin Auto Insurance youcomparequotes 10478
98 West Virginia Car Insurance youcomparequotes 11396
97 West Virgina Auto Insurance youcomparequotes 10342
96 Washington, D.C. Car Insurance youcomparequotes 11996
95 Washington, D.C. Auto Insurance youcomparequotes 11026
94 Washington Car Insurance Quotes youcomparequotes 11507
93 Washington Auto Insurance Quotes youcomparequotes 11170
92 Virginia Car Insurance youcomparequotes 10838
91 Virginia Auto Insurance Quotes youcomparequotes 10851
90 Vermont Car Insurance youcomparequotes 13084
89 Vermont Auto Insurance youcomparequotes 10122
88 Utah Car Insurance youcomparequotes 10782
87 Utah Auto Insurance youcomparequotes 10588
86 Texas Car Insurance Quotes youcomparequotes 10810
85 Texas Auto Insurance Quotes youcomparequotes 10808
84 Tennessee Car Insurance youcomparequotes 10415
83 Tennessee Auto Insurance youcomparequotes 11001
82 South Dakota Car Insurance youcomparequotes 10663
81 South Dakota Auto Insurance youcomparequotes 9939
80 South Carolina Car Insurance youcomparequotes 10858
79 South Carolina Auto Insurance youcomparequotes 10735
78 Rhode Island Car Insurance youcomparequotes 10211
77 Rhode Island Auto Insurance youcomparequotes 10584
76 Pennsylvania Car Insurance Quotes youcomparequotes 10913
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11408
74 Oregon Car Insurance Quotes youcomparequotes 11069
73 Oregon Auto Insurance Quotes youcomparequotes 10724
» Oklahoma Car Insurance youcomparequotes 10771
71 Oklahoma Auto Insurance youcomparequotes 10741
70 Ohio Car Insurance Quotes youcomparequotes 10472
69 Ohio Auto Insurance Quotes youcomparequotes 10399
68 North Dakota Car Insurance youcomparequotes 10480
67 North Dakota Auto Insurance youcomparequotes 10876
66 North Carolina Car Insurance youcomparequotes 14177
65 North Carolina Auto Insurance youcomparequotes 11162
64 New York Car Insurance Quotes youcomparequotes 10398
63 New York Auto Insurance Quotes youcomparequotes 11363
62 New Mexico Car Insurance youcomparequotes 9854
61 New Mexico Auto Insurance youcomparequotes 9973
60 New Jersey Car Insurance youcomparequotes 10202
59 New Jersey Auto Insurance youcomparequotes 10341
58 New Hampshire Car Insurance youcomparequotes 11249
57 New Hampshire Auto Insurance youcomparequotes 10866
56 Nevada Car Insurance youcomparequotes 10576
55 Nevada Auto Insurance youcomparequotes 10609
54 Nebraska Car Insurance youcomparequotes 10263
53 Nebraska Auto Insurance youcomparequotes 11230
52 Montana Car Insurance youcomparequotes 10286
51 Montana Auto Insurance youcomparequotes 10437
50 Missouri Car Insurance youcomparequotes 10595
49 Missouri Auto Insurance youcomparequotes 10493
48 Mississippi Car Insurance youcomparequotes 10905
47 Mississippi Auto Insurance youcomparequotes 10808
46 Minnesota Car Insurance Quotes youcomparequotes 11041
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11143
44 Michigan Car Insurance youcomparequotes 10229
43 Michigan Auto Insurance youcomparequotes 9959
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17263
41 Massachusetts Auto Insurance Reform youcomparequotes 11046
40 Maryland Car Insurance youcomparequotes 11249
39 Maryland Auto Insurance youcomparequotes 11266
38 Maine Auto Insurance youcomparequotes 10920
37 Louisiana Car Insurance youcomparequotes 11211
36 Louisiana Auto Insurance youcomparequotes 10568
35 Kentucky Car Insurance youcomparequotes 10669
34 Kentucky Auto Insurance youcomparequotes 10386
33 Kansas Car Insurance youcomparequotes 10210
32 Kansas Auto Insurance youcomparequotes 10640
31 Iowa Car Insurance youcomparequotes 10502
30 Iowa Auto Insurance youcomparequotes 10515
29 Indiana Car Insurance youcomparequotes 10472
28 Indiana Auto Insurance youcomparequotes 10437
27 Illinois Car Insurance youcomparequotes 10454
26 Illinois Auto Insurance youcomparequotes 10100
25 Idaho Car Insurance youcomparequotes 10323
24 Idaho Auto Insurance youcomparequotes 10408
23 Hawaii Car Insurance youcomparequotes 10755
22 Hawaii Auto Insurance youcomparequotes 10842
21 Georgia Car Insurance youcomparequotes 10062
20 Georgia Auto Insurance Quotes youcomparequotes 10956
19 Florida Car Insurance Quotes youcomparequotes 12451
18 Florida Auto Insurance Quotes youcomparequotes 10397
17 Find Maine Car Insurance youcomparequotes 10364
16 Delaware Car Insurance youcomparequotes 10655
15 Delaware Auto Insurance youcomparequotes 10533
14 Connecticut Car Insurance youcomparequotes 10450
13 Connecticut Auto Insurance youcomparequotes 10274
12 Colorado Car Insurance Quotes youcomparequotes 10461
11 Colorado Auto Insurance youcomparequotes 10014
10 California Car Insurance Quotes youcomparequotes 10957
9 California Auto Insurance Quotes youcomparequotes 11097
8 Arkansas Car Insurance youcomparequotes 11134
7 Arkansas Auto Insurance youcomparequotes 10634
6 Arizona Car Insurance Quotes youcomparequotes 10588
5 Arizona Auto Insurance youcomparequotes 11023
4 Alaska Car Insurance youcomparequotes 10766
3 Alaska Auto Insurance youcomparequotes 11561
2 Alabama Car Insurance youcomparequotes 10242
1 Alabama Auto Insurance youcomparequotes 10757
XE Login