Oklahoma Auto Insurance

"Being insured is the law in Oklahoma"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the state of Oklahoma.

• What does the law say pertaining to minimum insurance coverage in Oklahoma?

Oklahoma has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Oklahoma, you can obtain your learner’s permit at fifteen and a half and your restricted license at sixteen, with a full license at sixteen and a half.

To adhere to Oklahoma's auto insurance rules, you must...

In Oklahoma, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Oklahoma requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Oklahoma, you must have third party liability insurance for bodily injury with each person allowed $10,000.00, up to maximum of $20,000.00, as well as an additional $10,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Oklahoma, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Oklahoma:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Oklahoma.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Oklahoma

Auto Insurance FAQ

Question: What Auto Insurance Companies Service in Oklahoma?
I'm researching auto insurance for my area so I can get a basic idea of who to look at for auto insurance quotes. I need a list of insurance companies that provide service to Oklahoma. It'd be more appreciated if it was a list of auto insurance provided to the Oklahoma City Metro area. Thanks in advanced people. God bless.

Answer: See this http://gsx1.com/InsuranceComparison.html take the quote, they'll come back with prices from different insurers in your area. It's very quick and free of charge. But to find a cheap price you should get several quotes, do some legwork till something better will come along. Here's more from my bookmarks http://finance.ebookorama.com/ukusa-selected-resources.php http://gsx1.com/Car-Insurance/100.php

Question: What auto insurance company do you use?
I live in Oklahoma and need to put 5 vehicles on my policy. Which one is best for me?

Answer: Do you actually own and use 5 cars on a regular basis? As to what is best for you, the answer is: it depends. There are a lot of factors I don't know to even make a guess. Gender? Age? What vehicles? ZIP code? Credit status? Driving record? And many other things to consider that you don't want to post here. Best bet, find an independent agent, give him your information, let him search his data base and find what is best for you, and go from there. Don't pick a one company agent, because they will just push their company.

Question: Auto Insurance Problem (Drive from the U.S. to Canada)?
Hi, I live in Oklahoma state and I bought liability insurance only. However, I am going to drive to Canada next month and probably going to stay there for a month. Is there anything that I need to do with my auto insurance? Thanks!

Answer: No, I live in Canada and often drive to the United States. Given that the two countries are similar and have similar insurance laws as well as companies, eg: allstate, if u get into an accident in Canada, your insurance company will handle it just as they would in the U.S. For more info, call and ask your company.

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