Oklahoma Auto Insurance

According to Bankrate, the average cost for full coverage car insurance is $223 per month and $46 per month for minimum coverage.

Car insurance in Oklahoma tends to be more expensive due to severe weather, higher accident rates, and a large number of uninsured drivers. These factors lead to more claims and increased premiums for all drivers.

Yes, you need car insurance to register a vehicle in Oklahoma.

You need to have at least the state’s minimum coverage to legally drive in Oklahoma, but this may not be enough coverage for your needs. Contact a Mercury Insurance agent to customize a policy based on your budget and lifestyle.

No, you can’t have out-of-state car insurance if you live in Oklahoma.

You can take several steps to lower your car insurance:

• Shop around: Compare rates from different insurers to find the best deal.
• Raise your deductible: Opting for a higher deductible can lower your premium, but be prepared to pay more out of pocket in case of a claim.
• Bundle policies: Combine your car insurance with other policies, like homeowners or renters insurance, to receive a discount.
• Take advantage of discounts: Many insurers offer discounts for good driving, having multiple cars, paying in full, setting up automatic payments, or being a good student.
• Improve your credit score: In Texas, your credit score can affect your car insurance rate, so improving it may lower your premium.

It’s possible to get car insurance in Oklahoma without a driver’s license. This can be helpful for people who own a car but don’t drive it themselves, like someone who has a personal driver or is insuring a vehicle for a family member. If you’re in this situation, talk with an agent to find the right coverage for your needs.

The penalties for driving without car insurance in Oklahoma can include fines up to $250, a license suspension, and vehicle impoundment.

You might be able to buy a car without insurance in Oklahoma, but you won’t be able to legally drive it or register the vehicle until you have insurance.

No, Oklahoma is not a no-fault auto insurance state. Instead, it follows a fault-based system, meaning that the driver found to be at fault in an accident is responsible for covering the damages.

No, there isn’t a grace period for car insurance in Oklahoma if your payment is late. Some insurance companies might allow you to reinstate your policy after you make a late payment, but if something happens while your payment is overdue, you likely won’t be covered for that period.

Yes, you can get insurance on a car you don't own in Oklahoma. It’s best to speak with an insurance agent to explore your options.

Here are some helpful resources for Oklahoma drivers:

• Mercury Oklahoma Agents
• Oklahoma Insurance Department
• Oklahoma Department of Motor Vehicles
• Oklahoma Department of Public Safety