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Scouring 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.
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.
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:
|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|
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.
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.
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.
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.
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.
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.
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|
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|
Oklahoma Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.
How to contact directly:
Oklahoma Department of Insurance
2401 N.W. 23rd Street, Suite 28
Oklahoma City, OK 73107
Toll Free: 1-800-522-0071
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