Car Insurance in Oklahoma City

Q: Who has the cheapest car insurance rates in Oklahoma?

Mercury offers some of the cheapest car insurance rates in Oklahoma, making it an excellent choice for drivers looking for quality coverage without breaking the bank. With various discounts available, including multi-car, safe driver, and good student discounts, Mercury makes it easier to save on your premiums while enjoying comprehensive protection. Visit the Oklahoma Insurance Agents page, find an agent in your area, and compare quotes from each to find the best coverage for your needs and budget.

Q: What is full car insurance in OKC?

Full car insurance typically refers to a policy that goes beyond the state’s minimum liability requirements to include additional coverages, such as collision protection, comprehensive coverage, and uninsured/underinsured motorist coverage.

Q: Is Oklahoma City “No Fault”?

No. Oklahoma operates under an at-fault system, meaning the at-fault driver’s insurance typically covers the costs associated with the accident, including medical expenses, property damage, and any other liabilities.

Q: Does insurance follow the car or the driver in OKC?

In Oklahoma City, car insurance generally follows the car rather than the driver. This means that the auto insurance policy attached to a specific vehicle is the primary coverage that kicks in when that vehicle is involved in an accident, regardless of who’s driving it. However, it’s a good idea to contact your insurer to confirm the specifics of your policy.

Q: What products does Mercury offer in Oklahoma City?

Here are some of the products we offer to OKC residents: Oklahoma Auto Insurance Oklahoma Homeowners Insurance Condo Insurance Oklahoma Renters Insurance Oklahoma Umbrella Insurance Mechanical Protection Business Auto Insurance Oklahoma City Auto Insurance Oklahoma City Homeowners Insurance Tulsa Auto Insurance Tulsa Homeowners Insurance

Enter your zip code below to start your quote

Find an Agent

Tell us about your residence

Welcome back!

You can pick up from where you left by retrieving your quote below.

Search by Quote ID →

Mercury Car Insurance in Oklahoma City

Mercury offers tailored solutions to meet the specific needs of OKC drivers. Our comprehensive auto insurance ensures top-notch protection, whether you’re navigating the bustling streets downtown or cruising along the Oklahoma River. You can also take advantage of discounts like multi-car savings, paid-in-full discounts, and good-payer rewards to help you save even more on your car insurance.

Why Choose Mercury for OKC Car Insurance?

Local expertise: Our local agents understand the area and are ready to help you customize a policy that fits your lifestyle and budget.
Affordable rates: We’re committed to providing you with cheap car insurance in Oklahoma City without compromising coverage.
Quick, easy claim process: Report your claim online or by phone, and you’ll be back on the road in no time.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in OKC?

In Oklahoma City, driving without auto insurance is illegal. State law requires all drivers to have a minimum level of auto insurance to ensure they can cover the costs of damages or injuries in accidents they cause.

Legal Requirements to Drive in Oklahoma City

According to the Oklahoma Insurance Department, drivers must carry the following minimum liability insurance coverages:

Bodily injury liability: $25,000 per person and $50,000 per accident. This coverage helps pay for injuries to others if you are at fault in an accident.
Property damage liability: $25,000 per accident. This coverage pays for damage you cause to another person’s property.

Optional Oklahoma City Car Insurance

While the law mandates certain types of coverage, several optional insurance coverages are available that can provide extra security and convenience. Consider these popular additions to your policy:

Collision protection: This pays for damage to your vehicle if you collide with another vehicle or object, regardless of fault.
Comprehensive coverage: This covers damage to your vehicle caused by non-collision incidents, such as theft, vandalism, and weather-related damage.
Uninsured/underinsured motorist coverage: This coverage offers protection if you’re involved in an accident with a driver who has insufficient or no insurance.
Personal injury protection (PIP): PIP covers medical expenses, lost wages, and other related costs regardless of fault.

What Does OKC Auto Insurance Not Cover?

Understanding these exclusions can help you manage your expectations and consider additional coverages if necessary.

Personal belongings: Items left inside your car that are stolen or damaged during a break-in or accident are not covered by standard auto insurance. Consider homeowners or renters insurance to protect your belongings.
Wear and tear: Routine maintenance issues and normal wear and tear to your vehicle, like brake replacements or engine failures due to aging, aren’t covered.
Intentional damage: Auto insurance policies don’t cover any damage you intentionally cause to your vehicle.
Business use: Your standard policy may not provide coverage if you use your personal vehicle for business activities, like transporting.

How to Get Car Insurance in Oklahoma City

Finding the right car insurance in Oklahoma City is simple with Mercury. Whether you need basic liability coverage or a comprehensive policy, we make the process easy and affordable. Our local agents are ready to help you customize a plan that fits your budget while maximizing your savings.

Reach out to a local Oklahoma agent or call (877) 292-9762 to get started on a quote.

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in Oklahoma City from Mercury

Whether you’re commuting downtown, heading to Bricktown for the evening, or driving across the state, Mercury provides the protection you need at a price you can afford. Plus, you can save even more with our discounts and bundling options.

Save More with Discounts

Mercury believes in making quality auto insurance more accessible by offering various discounts to help lower your premiums:

Multi-car discount: Insure more than one vehicle and save up to 25%.
Paid-in-full discount: Pay your premium upfront and save 12% off the total.
E-signature discount: Sign your documents electronically and get 3% off.
Electric vehicle discount: Drive an EV? You could qualify for a 5% discount.
Good payer discount: No late payments or insufficient funds for the past 35 months? Save 10%.
Defensive driver discount: Complete a state-approved defensive driving course and earn a 5% discount.
Multi-policy discount: Bundle home and auto insurance and save up to 14%.

These are just a few of the discounts available. Contact your local Mercury agent to explore more ways to save on auto insurance.

Downtown skyline of Oklahoma City, Oklahoma, USA at twilight

Bundling with Mercury

One of the simplest ways to reduce your insurance costs is to bundle auto insurance with home or renters insurance. Consider these options to save money and simplify your insurance management:

OKC home insurance: Our comprehensive home insurance protects your home and personal property from common hazards like fire, storms, and burglary, giving you peace of mind and financial security.
OKC renters insurance: Our renters insurance can cover your personal belongings in the event of damage or theft. It also offers liability protection if someone is injured in your rental, safeguarding you from potential legal and medical bills.

Top Rated Auto Insurance in OKC

Mercury Insurance has been a trusted provider for Oklahoma City drivers for years. Whether you’re driving through the streets of Midtown or along the Oklahoma River, Mercury is proud to serve the OKC community with quality insurance you can count on.

Read reviews from real drivers to see why they trust Mercury for their car insurance needs.