Oklahoma car insurance costs can differ significantly depending on a variety of factors, such as coverage choice, driving history and vehicle model. To help you better estimate how much a policy could cost you we’ve created an Oklahoma car insurance calculator which provides estimates based on what information is entered. You can then use these results to compare rates from different providers as their methods may differ significantly.
Drivers with clean driving records generally pay less for car insurance policies, compared to drivers who have had traffic violations or accidents on their records. But it’s important to keep in mind that even one incident could significantly raise premiums; so it is best to maintain a spotless record as much as possible.
Age plays an integral part in determining how much auto insurance you will pay in Oklahoma. Younger drivers typically incur higher premiums because they lack experience behind the wheel and face greater risks of collision, including speeding and distracted driving behaviors.
Your car’s value is an integral factor when calculating how much car insurance should cost in Oklahoma. The total value of your vehicle affects its premium amount as well as how you choose a type of policy coverage – take note of both its actual cash value and any features that could decrease its resale/trade-in value when making this determination.
Your next step should be deciding how much liability protection is right for you; Oklahoma requires that at a minimum you carry $25,000 of bodily injury per person and $50k property damage liability per accident. Although Oklahoma doesn’t mandate additional policies such as collision and comprehensive, buying additional coverage such as these could protect yourself from paying damages out-of-pocket and save yourself some hassle in the future.
Your credit score can also play a part in how much car insurance policy costs in Oklahoma; those with high scores tend to receive lower premiums because insurers perceive them as lower risk and more likely to make payments on time.
As part of our efforts to help you identify the optimal car insurance solution for you, MoneyGeek has ranked some of Oklahoma’s best car insurers. Each provider was evaluated based on affordability and service quality as well as meeting all state minimum coverage requirements. You can learn more about each provider on our site including reviews from customers and ratings by MoneyGeek experts; additionally you can use our free Oklahoma car insurance calculator to compare quotes for both minimum coverage policies as well as full coverage plans; remember all options such as adding teen drivers or changing coverage levels to find what best meets your needs.