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oklahoma car insurance quotesScouring the web for Oklahoma automobile insurance? If you reside in Oklahoma City, Tulsa, Norman, Lawton, or Broken Arrow, you may get up to eight rate quotes from major insurers locally via AutoInsuranceEZ.com. Prices differ by insurer and you ought to compare rates thoroughly before you buy a policy. We’ll make it easier to obtain the coverage to meet your needs.

Oklahoma Auto Insurance – Average Premiums

The state average for vehicle insurance in Oklahoma is all about $98 every month. However, that rate can differ considerably based on where you reside. In certain Oklahoma metropolitan areas like Lawton, your payments may be as little as $80/month, or up to $128 monthly if you live near Oklahoma City. Your zipcode may be the primary factor that will determine your rate according to in which you park your vehicle during the night.

Average Auto Insurance Costs in Okalhoma Legend: Major City Broken Arrow Lawton Norman Oklahoma City Tulsa State Average 10 20 30 40 50 60 70 80 90 100 110 120 $94 $80 $89 $128 $99 $98

 

Important Oklahoma Auto Insurance Laws and Requirements

No-fault insurance is not required in Oklahoma, therefore making it that much easier to find cheap Oklahoma car insurance. Additionally, Oklahoma does not require its motorists to purchase UM/UIM coverage. Liability is required by law, of course, in the following minimum amounts:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 25,000/50,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

 

Choosing the Right Amount of Oklahoma Car Insurance Coverage

While you satisfy the fundamental state minimums in the above list, you’re under no legal obligation to buy any extra coverage. However, the limited kinds of coverage needed through the state of Oklahoma, as well as the low dollar amounts, are highly prone to place you at financial risk for anyone who is in an accident. The state minimums also will not cover such things as storm damage, thievery, or roadside assistance. It can benefit you to employ your very best judgment and work out how much coverage to buy according to your requirements and your financial allowance.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Broken Arrow Lawton Norman Oklahoma City Tulsa State Average 15 30 45 60 75 90 105 120 135 $55 $133 $42 $117 $53 $125 $55 $135 $59 $139 $53 $130

 

Oklahoma DUI Laws

Convicted of a DUI offense? If this is your first offense, you may face the following penalties: anywhere from 10 days to a full year in prison (a maximum of 4 years in prison if there is a minor under 18 present in the vehicle); a fine of up to $1,000 (this fine doubles if there is a minor younger than 18 present in the vehicle); your license may be suspended for 30 days, and you will have to pay a minimum of a $300 DUI fee.

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In Oklahoma, however, you do not need to file an SR-22 in order to have your driver’s license reinstated.

DUI Car Insurance Costs in Oklahoma Legend: Clean Record DUI Violation Broken Arrow Lawton Norman Oklahoma City Tulsa State Average 10 20 30 40 50 60 70 80 90 $55 $89 $42 $70 $53 $86 $55 $90 $59 $99 $53 $87

 

Age Limit Laws

Recently, national Graduated Driver Certification laws and regulations happen to be passed to be able to increase teen driver safety and lower accidents. Within the state of Oklahoma, these GDL laws and regulations allow youthful motorists to acquire a Learning permit at age 15 and 6 months. Throughout the learning stage, the youthful driver cannot drive without supervision plus they must obtain 50 hours of supervised driving (along having a minimum of 10 hours evening driving) and keep their permit for 6 months before they are able to be eligible for a medium difficulty permit.

Intermediate permits stop any driving without supervision between the hours of 10:00 PM and 5:00 AM for that first 12 months. There aren’t more than one passenger allowed in the car at any given time, except for family or other exceptions. At age 16 and 6 months (or 17 without a Driver’s Ed course), the permit becomes a full license.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Broken Arrow Lawton Norman Oklahoma City Tulsa State Average 20 40 60 80 100 120 140 160 180 200 220 240 $225 $162 $203 $220 $243 $211

 

Credit Score Laws and Regulations

Within the state of Oklahoma, it’s legal for insurance companies to change your rate according to your credit rating. It’s also your responsibility to supply your insurance provider the most abundant and accurate or more-to-date info on your credit report. Below, you can observe how various credit ratings can transform your monthly premium.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Broken Arrow Lawton Norman Oklahoma City Tulsa State Average 10 20 30 40 50 60 70 80 $47 $75 $37 $57 $43 $69 $47 $75 $51 $81 $45 $71

 

Insuring your Vehicle in Oklahoma

In many states, including Oklahoma, your insurance plan follows your automobile – not always you, the operator. Which means that should you let someone borrow your automobile, as well as get into an accident, both you and your insurance provider are going to be liable when the person driving your automobile is discovered to be to blame. Because of this, it is crucial to make certain every aspect of your automobile, such as the brand name, are accurate in your policy.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Broken Arrow Lawton Norman Oklahoma City Tulsa State Average 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $55 $162 $42 $145 $53 $149 $55 $162 $59 $169 $53 $157

 

Additional Oklahoma Auto Insurance Laws and Requirements

Additionally towards the laws and regulations and rules above, which may have a very significant effect on your general rate, there are more important laws and regulations and rules which you will have to follow like a responsible driver. However, disobeying these laws and regulations might not always impact your insurance costs like those we pointed out earlier.

Highway Safety Laws

No state laws are on the books with regard to aggressive driving in Oklahoma. But don’t be mistaken; certain aggressive acts behind the wheel, like failure to yield and disobeying traffic signs, are still very much illegal. You just won’t get the extra charge of “aggressive driving” if such irresponsible behavior leads to an accident.

Aggressive Driving No state law
Cell Phones and Texting Laws Prohibited by bus drivers and motorists with a learner’s permit or intermediate license
Inc. Penalty for High BAC BAC 0.15
Admin. License Susp. on 1st Offense 180 days

 

Speed Limits and Cell Phone Use

In Oklahoma, there’s a primary all-driver ban on texting while driving. Additionally, there is a ban on talking on a cell phone while driving, but only for novice drivers who still hold an intermediate or learner license. And this ban is also a primary level enforcement, which means that police need to other excuse to pull you over and ticket you other than to observe you in the act.

Rural Interstate 75 mph
Urban Interstate 70 mph
Other Limited-Access 70 mph

Important Oklahoma Contacts

Oklahoma Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Oklahoma Website

Oklahoma Department of Insurance

How to contact directly:

Oklahoma Department of Insurance
2401 N.W. 23rd Street, Suite 28
Oklahoma City, OK 73107
Phone: 1-405-521-2828
Toll Free: 1-800-522-0071

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