If you recently moved to the Sooner State and need to register your car, you can do so right after you obtain proof of auto insurance. In the state of Oklahoma, you are required to obtain minimum liability auto insurance in the amounts of $25,000 bodily injury per person ($50,000 per accident) and $25,000 property damage. Liability insurance covers the other car and driver in the event you cause an accident.
Here are some important things to keep in mind about minimum liability coverage in Tulsa, Oklahoma:
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It is a state law that insurance companies offer you uninsured motorist coverage at the same cost as liability coverage when you sign up. You are not required to accept it. Uninsured motorist insurance pays only for bodily injury and not property damage, in the event you are hit by a driver with no insurance. You can get money for medical bills and lost wages.
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Liability is the bare minimum coverage and only protects other drivers, not yourself.
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If you take out a loan to finance your car then you will be required to take out additional coverage like collision and comprehensive coverage AKA Full Coverage Auto Insurance.
Where To Get The Cheapest Liability Insurance In Oklahoma
On average you can expect to pay around $693 a year for liability auto insurance in Oklahoma. That’s about 5% more than the national average. Your exact rates will be influenced by your zip code, credit score, age, and other factors. You’ll need to decide for yourself which is more important, the cheapest rates or the best service.
According to multiple sources the three top-ranked auto insurance companies in Oklahoma are:
While the top three auto insurance companies with the cheapest rates are:
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Progressive
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State Farm
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GEICO
As you can see, GEICO is listed as both top-ranked for service and top-ranked for cheapest car insurance prices. In order to find the best rates for yourself, you can compare several auto insurance companies. Start with GEICO and a few others from the top-ranked and lowest rates lists to compare side by side. You can get help from a professional auto insurance agency if you need it. They can help you compare auto insurance quotes easily, taking into account all the personal factors that could raise or lower your individual premiums.
If you are a service member, USAA actually has the cheapest auto insurance quotes in town. This is only available to military members, their spouses, and their children. Union members can also check to see if there is a plan offered to their group they can take part in.
In order to keep affordable auto insurance, make sure to follow safe driving guidelines and avoid tickets or accidents. Keeping a good credit score can also affect your ability to obtain car insurance. Married adults with clean driving records and excellent credit will often enjoy the lowest possible rates. There are other deals and discounts you might be eligible to take part in. You will discover this during your side-by-side comparison shopping.