Oklahoma Car Insurance Calculator

Oklahoma Car Insurance Calculator

Finding the Best Insurance Policy at an Unbeatable Price

When shopping for auto insurance in Oklahoma, your first step should be comparing quotes. Every car insurance company will offer different rates based on your driving history, credit score and location; however our Oklahoma Car Insurance Calculator makes this easy by allowing you to compare rates from top insurers within the state.

Oklahoma’s Minimum Coverage Requirements

In Oklahoma, drivers are required to have liability insurance, which pays for property damage and bodily injury caused by accidents. You also have the option to purchase comprehensive or collision coverage which can protect your car against theft, vandalism or weather-related damage caused by accidents.

Liability Coverage and the Price of Car Insurance in Oklahoma

Liability coverage is the cheapest car insurance option in Oklahoma, covering your own vehicle and any property damages from accidents. However, if you have the funds to pay for damage that exceeds your limits then additional coverage like comprehensive or collision may be beneficial.

What Makes a Great Insurance Company?

Oklahoma’s top insurance companies strive to deliver quality services at an affordable price. They don’t just chase after market share; rather, they focus on giving customers superior value. ValChoice ratings are based on three key criteria: price (value), claims handling (quality) and overall service.

Driver’s Record and Gender: Your insurance rates are heavily affected by your driving record, so keeping it clean can lower costs significantly. Avoiding tickets or citations at all costs as they often lead to increases in premiums.

Age and Gender: The age of the driver is another factor that impacts insurance rates. Generally, younger drivers have a lower risk of being involved in an accident than their older counterparts, yet they’re also more likely to file car insurance claims which may raise their rates even further.

Your Credit History: Carrier companies often view those with poor credit as more of a risk and may charge you higher rates to reflect this. On average, Oklahoma City drivers with poor credit pay $1,833 more annually than those with excellent credit.

You must select the correct amount of coverage to protect yourself and your loved ones. In Oklahoma, a minimum bodily injury liability limit of $25,000 and property damage liability are set at $50,000 respectively; however, you can purchase more coverage. Furthermore, uninsured/underinsured motorist coverage can come in handy if an accident occurs with an at-fault driver who lacks insurance.