Oklahoma Auto Insurance Policy Requirements

Q: What is in a basic Oklahoma auto insurance policy?
A: Your auto insurance broker will discuss with you the following main kinds of auto insurance coverage that can be included in your policy:

  1. Liability Coverage
    1. The two types of liability insurance separate property damage from bodily injury:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is compulsory in the state of Oklahoma. All Oklahomans must at least have liability coverage in their auto insurance policies in order to legally drive:
      1. 25/50/25” (Oklahoma’s minimum auto insurance requirement)
      2. $25,000 to cover the costs of injury/death to one person.
      3. $50,000 to cover the costs of injury/death to more than one person.
      4. $25,000 to cover the costs of property damage.
    3. Liability minimums are different for leased vehicles.
  2. Collision Coverage must be included in your policy only if you are still financing your vehicle. If you are no longer financing the vehicle, then this coverage is merely recommended to be added to your Oklahoma auto insurance policy.
  3. Comprehensive Coverage, like collision, must be included in your policy only if you are still financing your vehicle. If you are no longer financing the vehicle, then comprehensive is recommended to be added to your Oklahoma auto insurance policy.
  4. Medical Payments Coverage is helpful but not required for an Oklahoma auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is also suggested yet optional to include in your policy.
  6. Personal Injury Protection (PIP) Coverage may or may not be included in an Oklahoma auto insurance policy?it is optional.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Oklahoma a No-Fault state?
A: No, Oklahoma is not a no-fault state.

Q: How can I get a discount on a Oklahoma auto insurance policy?
A: It is possible that you meet the criteria necessary to obtain a discount on your policy. Look at our list of auto insurance discounts for more information.

Q: Where can I find more information about Oklahoma auto insurance?
A: You can consult these dependable online resources for more information on auto insurance in Oklahoma:
  1. Oklahoma Insurance Resources
    1. The Oklahoma Department of Public Safety oversees safety on the roads, and also issues driver’s licenses.
    2. The Oklahoma Insurance Department aids Oklahomans in making informed decision when purchasing any kind of insurance.
  2. National Insurance Resources

“The Sooner State” motto of Oklahoma should also apply to applying for dependable auto insurance, and CLICKinsure can help you do exactly that. From the Black Mesa peak to the low Little River, and from the edge of the Great Plains to the Ozark Plateau, Oklahoman drivers deserve the best rates and service in the insurance industry. If you live in Oklahoma City, Tulsa, Norman, Broken Arrow, Lawton, Edmond, Midwest City, Moore, Enid, Stillwater, or anywhere else in the United State’s most ecologically diverse state of Oklahoma, make CLICKinsure your auto insurance broker.

 

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