Auto Insurance in Oklahoma
The beautiful state of Oklahoma offers many reasons to take a road trip. Whether you’re cruising the roadside attractions of Route 66 or enjoying the mountain vistas of Highway 59, it’s important to have high quality Oklahoma car insurance protection to keep you and your family protected on Oklahoma’s roadways.
If you’re looking for Oklahoma car insurance quotes, you’ve come to the right place. The
AARP® Auto Insurance Program from The Hartford
1 has been protecting Oklahoma AARP members and their families since 1984. Since then, we’ve earned a reputation for integrity and trust. Oklahoma drivers can rely on The Hartford’s Oklahoma car insurance to be there when it’s needed most – that’s why our customers rate us highly for our
car insurance claim service.
What Car Insurance Is Required in Oklahoma?
Oklahoma state law sets insurance requirements for liability coverage at the following minimum limits:2
Additional Car Insurance Coverages Available to Oklahoma Drivers
For added protection, Oklahoma drivers may also be eligible for the following
car insurance coverages with the AARP Auto Insurance Program from The Hartford:
- Comprehensive coverage, also known as “other than collision” coverage, helps pay for damage to your car for non-collision related claims like hail, theft or hitting an animal.
- Collision coverage helps cover damage from another vehicle or an object. For example, this coverage protects you if your car hits a tree, if you’re in a collision with another vehicle or if you’re in an accident in a rental car.
- Medical Payments coverage can help pay for medical expenses that result from a car accident including treatment, rehab, funeral costs and dental care.
- Uninsured Motorist Bodily Injury (UMBI) coverage helps pay for your medical treatments if you’re in an accident or hit while walking by someone who doesn’t have auto insurance. According to a 2021 Insurance Research Council report, 13.4% of Oklahoma drivers are uninsured. This is above the national average of 12.6%.3
- Uninsured motorist property damage (UMPD) coverage helps protect you if you’re in an accident with someone who doesn’t have auto insurance or is underinsured. It can cover repairs to your car and damage to your home and other property.
Car Insurance Benefits Offered to Oklahoma Drivers
Oklahoma drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford that not all car insurance companies in Oklahoma can offer, including:
- New Car Replacement: If you total your new car, your policy will help pay to replace it. We’ll make sure your car is replaced with a new vehicle of the same make, model and equipment. There will be no deduction for depreciation.§§
- Accident Forgiveness: As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.‡
- Disappearing Deductible: Your collision deductible could be reduced over time, in most states, as long as you maintain a clean driving record.‡
- 24/7 Claim Service: You need an auto insurance company that’s available no matter what time you call.
How Much Is Car Insurance per Month in Oklahoma?
According to the Insurance Information Institute, the average rate for car insurance in Oklahoma was about $80 per month in 2018, which is less expensive than the average cost of car insurance per month in the United States at $90.4 Many factors affect car insurance rates for drivers in Oklahoma including your driving history, how much insurance you buy and what city you live in.
Proof of Car Insurance in Oklahoma
Oklahoma state law requires you to furnish a copy of your car insurance ID card and driver’s license if requested by a police officer or other party if involved in an accident. If you’re a licensed driver in the state of Oklahoma, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Oklahoma is also among several states that now accept electronic proof of car insurance, and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Staying Safe on Oklahoma Roads
As you travel through Oklahoma, there are a number of safe driving laws meant to protect you on Oklahoma’s highways and byways. Here are just a few:5
Oklahoma Seat Belt Laws:
Oklahoma is one of 34 states that have a primary seat belt law. This means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
Oklahoma Distracted Driving Laws:
Oklahoma has a number of laws in place to discourage distracted driving:
- New drivers in Oklahoma are not allowed to use hand-held cell phones.
- Texting while driving is banned in the State of Oklahoma.
Oklahoma Teen Driver Laws:
Getting a driver’s license is a rite of passage for teenagers, and Oklahoma wants young drivers to stay safe in the process. Oklahoma has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
Get a Free Oklahoma Car Insurance Quote
We can help you learn more about liability insurance requirements in Oklahoma and get a quote for our insurance products and services. You can speak with one of our customer service specialists at
888-546-9099 or get a
quote online. We’ll help you find the best auto coverages to fit your individual needs.
Last Updated: June 29, 2022
2 Nerd Wallet, “Minimum Car Insurance Requirements by State”
3 Insurance Information Institute, “Facts + Statistics: Uninsured motorists”
4 Insurance Information Institute, “Facts + Statistics: Auto insurance”
5 Governors Highway Safety Association, “States”
