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Or scroll down for car insurance premium comparisons in the state of Oklahoma.
Here's the latest on how to score the sweetest deal on Oklahoma car insurance.
Read on for current rates, stats, laws, hidden discounts, and helpful hints on choosing the right Oklahoma auto insurance package for your individual needs.
above photo: newsmax.com
Oklahoma's average annual premium on car insurance for 2018 was $1,128, while the average annual premium across the United States was around $941, according to valuepenguin.com.
One reason for the relatively high auto insurance rates in the state of Oklahoma is the relatively high percentage of uninsured drivers on state roads.
Across the whole United States, roughly 1 in 7 vehicles on state roads is uninsured. Estimates from carinsurance.com indicate that more than 10% of vehicles on Oklahoma roads are uninsured.
Statistics indicate that slightly above 1 out of 10 drivers on
Oklahoma roads are operating uninsured vehicles.
The penalty for driving an uninsured vehicle in the state of Oklahoma is a fine of up to $250, and/or up to 30 days in jail.
Uninsured motorists also lose their driving privileges until a reinstatement fee is paid in full, and proof of insurance is shown.
The lowest amount of coverage required for auto insurance in Oklahoma is $25,000 in Personal Injury Protection, $50,000 in per-accident protection, and $25,000 in coverage against physical property damage. Insurance carriers call this coverage 25/50/25.
Still, financial analysts nationwide recommend at least 100/300 in injury coverage to handle the actual cost of an accident. Also recommended is Uninsured Motorist Insurance (UMI).
Many Oklahoma auto insurance carriers
offer discounts for responsible driving habits. These
include Accident-Free discounts, Good-Driver discounts, Good Student
discounts, Senior Citizen discounts, and Vehicle Safety discounts,
to name only a few.
Vehicle insurance carriers also offer multiple policy discounts, multiple auto discounts, and many others.
Ask about discounts whenever you compare quotes from local agents, whether online, by phone, or in person.
According to recent customer satisfaction reports, Oklahoma's favorite cheapest car insurance companies are
Still, many Oklahoma vehicle owners opt for smaller, well established, well reputed local carriers. For instance, Auto Insurance Center and Metro Express are two of Oklahoma's favorite smaller cheapest car insurance companies.
Either way, Oklahoma is home to several hundred auto insurance companies who provide competitive quotes.
You can usually obtain free quotes either online or by phone. For a thorough cost comparison, contact numerous car insurance carriers in your area, and ask about ALL available discounts.
Then, simply compare quotes and choose the lowest possible rate that satisfies your personal driving requirements.
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