Car insurance in Oklahoma is vital due to the state’s distinct driving conditions and potential risks. These include: 

• Severe Weather: Oklahoma experiences frequent storms, including hail, tornadoes, and heavy rainfall, which can result in hazardous driving conditions and vehicle damage. 
• Rural Roads: With miles of rural highways, drivers face challenges like agricultural machinery, wildlife crossings, and poorly maintained roads. 
• Urban Traffic: Cities like Oklahoma City and Tulsa often experience heavy traffic, increasing the chances of accidents and congestion-related incidents. 

Oklahoma is an "at-fault" state, meaning the driver responsible for an accident is liable for covering damages. The state mandates minimum coverage requirements, which include: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum limits are $25,000 per person and $50,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum requirement of $25,000 per accident. 
• Uninsured Motorist (UM) Bodily Injury: Coverage for your injuries if you’re involved in an accident with a driver who doesn’t have insurance. Minimum requirement mirrors bodily injury liability. 
  • Included in standard policies. However, drivers can reject this policy if they choose. They must do this with their agent in writing. 

If you’re the at fault driver, liability only covers the other party. Additional coverage is highly recommended in order to cover your damage or injuries if you’re the at fault driver. 

To enhance your protection beyond the mandated minimums, consider the following coverage options: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 
• Medical Payments (MedPay): Covers medical expenses for you and your passengers, regardless of fault. 

Drivers who find themselves in unique situations, such as customized vehicles, or low-milage drivers, should bring them up to one of our agents. Goosehead specializes in building insurance policies that work for our clients’ needs and budgets. 

In addition to your coverage selections, auto insurance rates in Oklahoma vary based on several factors: 

• Driving Record: A clean history lowers premiums, while accidents or tickets increase costs. 
• Vehicle Type: Luxury models or newer cars typically cost more to insure due to replacement and repair expenses. 
• Location: Urban areas like Tulsa and Oklahoma City often face higher premiums due to increased risks of collisions and theft, whereas rural drivers contend with wildlife and road debris. 
• Mileage: Drivers with long commutes or frequent road trips may face higher premiums due to increased exposure to risk. 
• Age & Experience: Younger, less experienced drivers usually pay more, but good student discounts may be available. 

Oklahoma drivers with the minimum amount of coverage typically spend an average of about $600 annually. Those with more coverage tend to spend an average of $1,800 annually. 

At Goosehead Insurance, we aim to help Oklahoma drivers save money while maintaining quality coverage. Here are some tips to reduce premiums: 

• Bundle Policies: Combining auto insurance with homeowners or renters, can unlock valuable discounts. 
• Drive Safely: A clean driving record helps you qualify for safe driver incentives and lower rates. 
• Ask About Discounts: Look into savings opportunities for good students, military personnel, or vehicles equipped with advanced safety features. 
• Shop Around: Comparing quotes from multiple providers is one of the best ways to find affordable pricing. Goosehead does this for you, ensuring you always get competitive rates. 

Getting the right coverage can feel overwhelming, but Goosehead Insurance simplifies it. Here’s why drivers in Oklahoma trust us: 

• Access to Top Carriers: We partner with industry-leading insurers to deliver personalized, affordable auto insurance quotes. 
• Tailored Coverage Options: Policies customized to your unique needs and budget. 
• Local Expertise: As experts in Oklahoma’s driving risks, we can recommend coverage designed to handle challenges specific to the state. 
• Dedicated Support: From picking the right policy to filing a claim, our team is with you every step of the way.