The state of Oklahoma requires all drivers to have minimum liability car insurance, but you don't need to spend a fortune. All across Oklahoma, there are insurance providers that offer discounts that can help you save money and protect yourself, your passengers, and your vehicle. Check out this review on affordable minimum liability car insurance in Oklahoma.
What We'll Cover
- What Is Minimum Liability Car Insurance?
- What Are the Minimum Liability Requirements in Oklahoma?
- The Cheapest Car Insurance Companies for Minimum Liability Insurance in Oklahoma
- Affordable Car Insurance in Oklahoma City
- Affordable Car Insurance in Tulsa
- Final Thoughts
What Is Minimum Liability Car Insurance?
Minimum liability car insurance is the minimum insurance coverage you must carry in order to legally drive. If you cause a car accident, minimum liability insurance covers property damage, as well as injuries suffered by another party. Many drivers choose to carry minimum liability insurance because they can’t afford more extensive coverage, or because they need to reduce their monthly premium charges. You may also choose to carry minimum liability insurance if you drive an older car with high mileage, for example.
Minimum liability car insurance doesn’t cover several types of damage. For instance, it does not cover damages to your vehicle from an accident you that caused. Additionally, minimum liability insurance will not cover the theft of your vehicle. That said, minimum liability insurance isn’t the same as underinsured motorist coverage. Underinsured motorist coverage protects you in an accident that involves an uninsured or underinsured driver. It's important to note that Oklahoma law doesn’t require underinsured motorist coverage.
However, uninsured/underinsured motorist coverage will cover your medical bills in the event of an accident with an uninsured or underinsured driver. It also provides your family compensation for the loss of life—suffered by you or your passengers during the accident. As an Oklahoma driver, you should talk to your car insurance provider to learn more about your coverage options and the policy that best fits your needs. Often, you can add riders or additional coverage to your policy for relatively low rates.
What Are the Minimum Liability Requirements in Oklahoma?
As many as 1/4 of Oklahoma drivers don’t carry auto insurance—in fact, this state has one of the highest rates of uninsured drivers in America. Having car insurance is mandatory by law, and it can provide incredibly valuable protection.
In Oklahoma, you must carry minimum liability insurance that covers:
- $25,000 in bodily injury protection for every person
- $50,000 bodily injury coverage protection per accident
- $25,000 in property damage insurance
Although it is not required in Oklahoma, also having $25,000 in uninsured motorist coverage is recommended. This provides you with much-needed financial protection after a car accident.
The Cheapest Car Insurance Companies for Minimum Liability Insurance in Oklahoma
The average car insurance rate in Oklahoma is a bit lower than the nationwide average, making it an excellent state for drivers who need to get good deals on their auto insurance. If you're looking for inexpensive car insurance in Oklahoma, do a rate comparison with the eight reputable insurance providers below. Remember, your insurance rate will depend on several factors, including your driving record, age, vehicle model, zip code, and the drivers you need to cover. If you have young drivers in the home or have a frequent history of traffic violations, you may find yourself paying more for minimum auto insurance.
State Farm offers the cheapest insurance coverage across Oklahoma. Minimum coverage policies offered by State Farm cost an average of $29 per month, or $341 per year. State Farm offers excellent customer service, and the agents will work with you to ensure that you have the coverage you need, which also includes making monthly payments as convenient as possible. State Farm also makes finding an agent easy with the search options in its website. No matter what part of Oklahoma you live in , you will be able to find an agent that is ready to help. In the Oklahoma City area, try Halley Davis or Bille Hole, who knows both English and Spanish. If you live in the Tulsa area, consider reaching out to State Farm agents Mark Musser, JJ Grantham, Mike Thompson.
What Discounts on Car Insurance Does State Farm Offer?
To get an accurate list of discounts at State Farm, you will need to consult with an agent. This is because discounts vary from state to state. Some of the discounts on auto that you may be eligible for discounts for safe driving, having a teen driver on the policy who gets good grades in school, and combining your home and auto insurance policies. While these discounts are pretty standard with other insurance providers as well, State Farm also offers unique discounts that are hard to find elsewhere, including the Student Away at School discount, which allows you to save money on students who only drive the insured vehicle on the weekends or doing school breaks.
USAA offers inexpensive auto insurance rates to qualifying drivers. If you qualify, you can get auto insurance in Oklahoma for an average of $341 per year. USAA insurance is available for current and former service members, making it a highly affordable option for veterans and military personnel. In addition to insurance options, USAA is a great general resource that offers advice on personal finances, tools for making investments, and everyday banking services. To help you have success, USAA offers membership support and a mobile app that will organize your insurance policies, as well as other services you have.
Save Money With USAA's Discounts
USAA allows you to save money on your car insurance with various discounts. The first way that you can earn discounts is through your driving. By keeping a clean driving record for a minimum of five years, taking an approved defensive driving course, and completing a course for basic driving skills, you can save money on your car insurance. You can also receive discounts based on the vehicles that you insure. Insuring a newer vehicle that is a maximum of 3 years old, covering multiple vehicles on one policy, and reducing the amount of miles you put on your car are great ways to get started with earning USAA discounts. Additionally, with USAA, you can receive up to 60% off on your car insurance if one of the cars that you insured is kept in storage.
GEICO offers insurance coverage for an average of $474 per year, making it an excellent resource for Oklahoma drivers who are looking for an inexpensive, reliable insurance company. GEICO is a well-known, national insurance provider with a reputation for unparalleled customer service. GEICO is a national insurance provider, which means you will be able to find a GEICO insurance agent no matter location. In the Oklahoma City area, 10-year GEICO insurance agent Warren Stowe will be your go-to guide for all of your questions and concerns. In Lawton, Oklahoma, you can get connected with 50-year insurance industry veteran, R.A. Burt. GEICO also services Oklahoma residents in Tulsa, where you can talk with Kevin Gallien and his team of qualified insurance agents.
Install Vehicle Equipment to Protect Your Car and Money
GEICO offers many discounts on car insurance, one of which is for installing vehicle equipment that protects you, your passengers, and your vehicle. You may be eligible to receive a discount on car insurance if your vehicle has the following pieces of equipment installed:
- Air bags
- Anti-lock brakes
- Anti-theft system
- Daytime running lights
Progressive offers cheap insurance rates for many Oklahoma drivers. Minimum liability insurance from this respected auto insurance company costs an average of $512 per year. Progressive is a solid company that provides the coverage drivers really need. It also has multiple add-on insurance options. Although this can increase the cost of your insurance coverage, you’ll get additional protection in return.
Progressive consistently gets good reviews as one of the best auto insurance companies in the United States. With this infamous Name Your Price Tool, you can show a Progressive agent what you want to pay for car insurance. Then, that agent will help you find an affordable plan that matches your budget and insurance needs. Like most insurance providers, Progressive allows your to bundle your home and auto insurance for extra savings. You can also receive great discounts for maintaining a clean driving record.
Allstate purportedly offers coverage that places drivers "in good hands." At around $615 per year, Allstate is an affordable choice. The provider offers an accident forgiveness option, which can make insurance more affordable for drivers with a good driving record. Additionally, Allstate provides more than 10 different ways that you can save money on your car insurance. Not only can you add protective equipment to your insured vehicles to save money, but you can also receive discounts for making your payments on time, setting up an automatic payment, paying your policy in full, and owning a newer vehicle model. Additionally, if you have teenagers on your policy, you can save money by showing Allstate proof of their good grades. Allstate looks for an average GPA of 2.7.
In Oklahoma, you can find Allstate agents all across the state. If you're looking for an Allstate agent in Oklahoma City, you can reach out to Eva Herrera, Ciani Portillo, Ada Jones, or Alice Joiner. In Tulsa, there are just as many options. Connect with Christopher Allgood, Jimmy Willis, and Jorge Lua to find out how you can save money on car insurance with Allstate.
At Farmers Insurance, you'll find yourself paying a little more for your coverage, at an average of $707 per year. Talk to an insurance agent to learn more about your options for insurance coverage and find out how the provider compares to others. Though available discounts can depend on your zip code, Farmers Insurance offers plenty of ways to save money. You can save money by keeping your current vehicle model, driving safely, and purchasing multiple Farmers Insurance polices.
It's easy to find a Farmers Insurance in your area by utilizing the website's agent locator tool. For agents in Oklahoma City, consider reaching out to Minh Tran, Elizabeth Zamora, Ralph Payne, and Rafael Pozos. In Tulsa, Keith Ewing, Alan Farley, Tyrance Billingsley, and James Collins are available to help you find affordable minimum liability coverage that abides by Oklahoma's laws.
Affordable Car Insurance in Oklahoma City
American Farmers and Ranchers
American Farmers and Ranchers provides insurance to Oklahoma residents who work in the farming and ranching industry. It can provide coverage for an average of $560 per year. Check to determine whether you qualify for this inexpensive insurance option.
OK Farm Bureau
The OK Farm Bureau offers inexpensive auto insurance for Oklahoma drivers. At around $522 per year, it helps provide low-cost insurance for your needs.
Aarvin Insurance Services
Operated as an independent insurance agency, Aarvin Insurance Services has been helping Oklahoma City residents find affordable car insurance since 2012. You can trust that this independent agency keeps your best interests in mind and searches for the insurance provider that will give you the best value for your money.
Affordable Car Insurance in Tulsa
Tulsa Insurance Guy
Tulsa Insurance Guy is an independent insurance agency that is committed to serving its customers and helping them find the best solutions to their insurance concerns. Since they are not tied to any single insurance provider, they stay impartial and will make sure that you are satisfied with your policy and rate.
All American Insurance Agency
For more than 35 years, All American Insurance Agency has been surviving the Tulsa area and ensuring that Oklahoma drivers are meeting the state requirements for car insurance. At this agency, you will receive satisfactory customer service, attention, and devotion to finding the best possible insurance policy.
Daemi Group Insurance
Daemi Group Insurance is an independent insurance agency that has seven locations across Oklahoma: three in Tulsa, three in Oklahoma City, and three in Sand Springs. This insurance agency carries plenty of reputable and affordable insurance providers, including MetLife, Progressive, and Kemper.
When in doubt about your insurance coverage, consider getting estimates from several companies. By comparing coverage options, you may get a better idea of what an insurance policy for your household will look like. Keep in mind that if you're looking for minimum insurance coverage, you can often go with the provider that offers the cheapest rates. You’ll get the same basic coverage, regardless of who provides the policy. However, you should still take the time to carefully evaluate the coverage offered by your insurance company so that you’ll know what to expect in the event of an accident. It’s important to choose the one that best reduces your legal and financial liabilities.
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