Oklahoma law mandates drivers have at least bodily injury and property damage liability coverage when driving legally on public roads, although many car owners opt to purchase additional coverages to better safeguard their vehicles and assets should a traffic incident arise. Your choice of additional coverages can impact your annual premium; finding an ideal balance between cost and protection should be your top priority – state minimum coverage might suffice in minor fender benders but is unlikely to pay out enough in cases involving injuries or fatalities.
Insurance rates depend on multiple factors, including age, driving history and location. To help determine how much car insurance may cost in your area, use one of the calculators from reputable companies listed below; their estimates are based on an average full coverage policy costing $300 in Oklahoma with collision and comprehensive coverage and 100/300/100 limits of liability coverage.
Your age is one of the main influences on Oklahoma insurance rates, as inexperienced and more at-risk young drivers typically pay more. Adding teenage drivers can increase rates up to 2.7x. Additionally, insurers take your credit score into consideration when setting premiums; people with poorer scores tend to pay more.
Your car type and make are also key determinants of auto insurance rates in Oklahoma, with compact sedans generally incurring lower premiums while sports vehicles or luxury models will often incur greater charges from insurers. Your driving history also plays an influential role; multiple at-fault accidents or major violations in your driving record could make an insurer view you as high-risk driver and cause them to increase your rates accordingly.
Location also plays a vital role in your premiums; certain areas may be at greater risk from natural disasters like flooding, tornadoes and hurricanes; this could result in higher premiums if your location falls within urban settings or near active fault lines.
To determine your Oklahoma car insurance costs, fill out and submit the following form with your personal information. From there you can compare quotes and find coverage that best meets your needs – starting saving right away!