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 Viewssort
102 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17260
101 North Carolina Car Insurance youcomparequotes 14174
100 Vermont Car Insurance youcomparequotes 13075
99 Florida Car Insurance Quotes youcomparequotes 12448
98 Washington, D.C. Car Insurance youcomparequotes 11988
97 Alaska Auto Insurance youcomparequotes 11558
96 Washington Car Insurance Quotes youcomparequotes 11498
95 Pennsylvania Auto Insurance Quotes youcomparequotes 11402
94 West Virginia Car Insurance youcomparequotes 11386
93 New York Auto Insurance Quotes youcomparequotes 11358
92 Maryland Auto Insurance youcomparequotes 11263
91 New Hampshire Car Insurance youcomparequotes 11246
90 Maryland Car Insurance youcomparequotes 11245
89 Nebraska Auto Insurance youcomparequotes 11226
88 Louisiana Car Insurance youcomparequotes 11208
87 Washington Auto Insurance Quotes youcomparequotes 11163
86 North Carolina Auto Insurance youcomparequotes 11160
85 Minnesota Auto Insurance Quotes and Information youcomparequotes 11141
84 California Auto Insurance Quotes youcomparequotes 11095
83 Oregon Car Insurance Quotes youcomparequotes 11067
82 Arkansas Car Insurance youcomparequotes 11056
81 Massachusetts Auto Insurance Reform youcomparequotes 11044
80 Minnesota Car Insurance Quotes youcomparequotes 11038
79 Arizona Auto Insurance youcomparequotes 11021
78 Washington, D.C. Auto Insurance youcomparequotes 11019
77 Tennessee Auto Insurance youcomparequotes 10998
76 Georgia Auto Insurance Quotes youcomparequotes 10954
75 California Car Insurance Quotes youcomparequotes 10954
74 Maine Auto Insurance youcomparequotes 10918
73 Pennsylvania Car Insurance Quotes youcomparequotes 10911
72 Mississippi Car Insurance youcomparequotes 10902
71 North Dakota Auto Insurance youcomparequotes 10874
70 Wyoming Car Insurance youcomparequotes 10866
69 New Hampshire Auto Insurance youcomparequotes 10863
68 South Carolina Car Insurance youcomparequotes 10855
67 Virginia Auto Insurance Quotes youcomparequotes 10843
66 Hawaii Auto Insurance youcomparequotes 10840
65 Virginia Car Insurance youcomparequotes 10828
64 Texas Car Insurance Quotes youcomparequotes 10804
63 Mississippi Auto Insurance youcomparequotes 10802
62 Texas Auto Insurance Quotes youcomparequotes 10801
61 Utah Car Insurance youcomparequotes 10774
» Oklahoma Car Insurance youcomparequotes 10768
59 Alaska Car Insurance youcomparequotes 10763
58 Wyoming Auto Insurance youcomparequotes 10762
57 Alabama Auto Insurance youcomparequotes 10757
56 Hawaii Car Insurance youcomparequotes 10753
55 Oklahoma Auto Insurance youcomparequotes 10737
54 South Carolina Auto Insurance youcomparequotes 10733
53 Oregon Auto Insurance Quotes youcomparequotes 10722
52 Kentucky Car Insurance youcomparequotes 10666
51 South Dakota Car Insurance youcomparequotes 10661
50 Delaware Car Insurance youcomparequotes 10653
49 Kansas Auto Insurance youcomparequotes 10637
48 Arkansas Auto Insurance youcomparequotes 10631
47 Nevada Auto Insurance youcomparequotes 10607
46 Missouri Car Insurance youcomparequotes 10593
45 Arizona Car Insurance Quotes youcomparequotes 10586
44 Utah Auto Insurance youcomparequotes 10582
43 Rhode Island Auto Insurance youcomparequotes 10582
42 Nevada Car Insurance youcomparequotes 10574
41 Louisiana Auto Insurance youcomparequotes 10566
40 Delaware Auto Insurance youcomparequotes 10530
39 Iowa Auto Insurance youcomparequotes 10513
38 Iowa Car Insurance youcomparequotes 10500
37 Missouri Auto Insurance youcomparequotes 10491
36 North Dakota Car Insurance youcomparequotes 10478
35 Wisconsin Auto Insurance youcomparequotes 10470
34 Ohio Car Insurance Quotes youcomparequotes 10469
33 Indiana Car Insurance youcomparequotes 10469
32 Colorado Car Insurance Quotes youcomparequotes 10459
31 Illinois Car Insurance youcomparequotes 10451
30 Connecticut Car Insurance youcomparequotes 10447
29 Montana Auto Insurance youcomparequotes 10435
28 Indiana Auto Insurance youcomparequotes 10435
27 Tennessee Car Insurance youcomparequotes 10407
26 Idaho Auto Insurance youcomparequotes 10406
25 Ohio Auto Insurance Quotes youcomparequotes 10397
24 New York Car Insurance Quotes youcomparequotes 10395
23 Florida Auto Insurance Quotes youcomparequotes 10395
22 Wisconsin Car Insurance youcomparequotes 10385
21 Kentucky Auto Insurance youcomparequotes 10382
20 Find Maine Car Insurance youcomparequotes 10362
19 New Jersey Auto Insurance youcomparequotes 10339
18 West Virgina Auto Insurance youcomparequotes 10334
17 Idaho Car Insurance youcomparequotes 10320
16 Montana Car Insurance youcomparequotes 10281
15 Connecticut Auto Insurance youcomparequotes 10271
14 Nebraska Car Insurance youcomparequotes 10252
13 Alabama Car Insurance youcomparequotes 10240
12 Michigan Car Insurance youcomparequotes 10227
11 Rhode Island Car Insurance youcomparequotes 10209
10 Kansas Car Insurance youcomparequotes 10208
9 New Jersey Car Insurance youcomparequotes 10200
8 Vermont Auto Insurance youcomparequotes 10113
7 Illinois Auto Insurance youcomparequotes 10098
6 Georgia Car Insurance youcomparequotes 10059
5 Colorado Auto Insurance youcomparequotes 10011
4 New Mexico Auto Insurance youcomparequotes 9971
3 Michigan Auto Insurance youcomparequotes 9957
2 South Dakota Auto Insurance youcomparequotes 9937
1 New Mexico Car Insurance youcomparequotes 9852
XE Login