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Search by Quote ID → Search by Date of BirthOklahoma Auto Insurance
Whether it’s a minor fender bender or something more serious, the right auto insurance keeps you rolling without a hitch and protected from hefty costs. If you’re looking for affordable insurance without compromising quality in Oklahoma, Mercury has you covered. We offer a range of options tailored to fit your budget and needs so you can drive with confidence knowing that you’re backed by reliable protection.
Oklahoma Auto Insurance Requirements
To legally drive in Oklahoma, drivers must meet certain state-mandated insurance requirements, which include
- Bodily injury liability: $25,000 per person and $50,000 per accident. This coverage helps pay for the other party’s medical expenses if you’re at fault in an accident.
- Property damage liability: $25,000 per accident. This coverage steps in to pay for damages to other people’s property if you’re at fault in an accident.
There are also optional auto insurance coverages you can add to your policy to give you better protection, including:
- Collision protection: This pays for repairs to your car if it’s damaged in an accident, regardless of who’s at fault.
- Comprehensive coverage: This protects your vehicle from non-collision incidents like theft, fire, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This covers your expenses if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Medical payments coverage: This helps pay for medical expenses for you and your passengers, regardless of who’s at fault.
- Personal injury protection (PIP): PIP Covers medical expenses, lost wages, and other related costs if you’re injured in an accident, regardless of fault.
What is Full Coverage Auto Insurance in Oklahoma?
Full coverage auto insurance is a combination of coverages that go beyond the state’s minimum requirements. It usually includes liability, collision, and comprehensive coverage. While not legally required, full coverage is a great choice if you want extra peace of mind and protection for your own vehicle.
How Much Is Car Insurance in Oklahoma?
According to Bankrate, the average cost of car insurance in Oklahoma is $2,681 for full coverage and $551 per year for minimum coverage. These figures are just averages, so your premium can be lower or higher depending on factors like location, age, and driving history.
Get Car Insurance Savings & Discounts in Oklahoma
At Mercury, we believe in offering great coverage at affordable rates, and one of the best ways to save is through discounts. Here are some discounts you could qualify for:
- Multi-Car Discount: Insure more than one vehicle with us and enjoy a 25% discount.
- Paid in Full Discount: Pay your premium upfront and save 12% off your total.
- E-Signature Discount: Save 3% just by signing all your documents electronically!
- Electric Vehicle Discount: Drive an electric vehicle? You can qualify for a 5% discount.
- Good Payer Discount: If you’ve had no late payments or non-sufficient funds charges in the past 35 months, you can save 10%.
- Defensive Driver Discount: Completing a state-approved defensive driving course can earn you an additional 5% discount.
- Multi-Policy Discount: Bundle your home and auto insurance to save up to 14%.
These are just a few of the discounts we offer. Contact a local Oklahoma agent to see what other discounts you’re eligible for.
How to Get Car Insurance in Oklahoma
Ready to get started with reliable, cheap car insurance? Contact a local Mercury agent to discuss your options and get a personalized quote. You can also start a quote online or call us at (800) 657-3542.
Factors Affecting Car Insurance Rates in Oklahoma
Several factors determine car insurance rates in Oklahoma. Here’s a quick look at the main considerations:
- Driving history: Accidents and violations on your record can raise your premium, as insurers see a clean driving record as lower risk.
- Location: Drivers in urban areas with higher traffic and crime rates may face higher premiums compared to those in rural areas.
- Vehicle type: Cars that are expensive to repair or replace usually come with higher premiums, while vehicles with good safety ratings can sometimes help lower costs.
- Credit score: In Oklahoma, insurers can factor in your credit history. A stronger credit score may help you qualify for lower rates since it can indicate reliability.
- Age: Young drivers, particularly teens, often have higher premiums due to their limited driving experience. Over time, with experience and a clean record, these rates usually improve.
Top-Rated Auto Insurance in Oklahoma
Mercury Insurance has built a solid reputation over the years, not just in Oklahoma, but across the country. We’ve been recognized for our commitment to customer satisfaction, trustworthiness, and innovative products, earning several awards and accolades that reflect the quality of our service.
Forbes has named Mercury one of America’s Most Trustworthy Financial Companies multiple times. In 2021, we were named Best Insurer for Overall Satisfaction in the Shopping Segment of the J.D. Power U.S. Digital Experience Study. We were also honored by Forbes as one of the Best Insurance Companies in America for 2022. Read about their experiences.
Oklahoma drivers also praise our products and services. Here’s what they love about Mercury:
Absolutely LOVE!!
from Mercury Customer
Gen in Tulsa
I use Mercury for auto insurance, and I couldn’t be more pleased. I found them through Dave Ramsey’s website, and they are truly phenomenal. From price to customer service to easy website navigation - AWESOME! I 1000% recommend this company!
Excellent Service, Coverage, and Price
from Mercury Customer
Jan Ezell in Broken Arrow
The coverage was good and when combined with my homeowners was the most affordable of all I checked.
Quick and Affordable coverage!!!
from Mercury Customer
Emily in Dewey
This was so easy to sign up for and Affordable! It made having my own auto insurance policy a reality!!
Mercury Insurance Coverage in Oklahoma
Here are the products Mercury offers to Oklahoma residents:
Learn More About Car Insurance
Check out our top blogs to learn more about auto insurance:
What’s the Difference Between At-Fault vs. No-Fault States?
Your Guide to Car Insurance Requirements State-by-State
What Do You Need to Know About Car Insurance After Marriage?
Car Insurance When Moving States: Steps to Ensure a Smooth TransitionOklahoma Car Insurance FAQs
What is the average monthly payment for car insurance in Oklahoma?
According to Bankrate, the average cost for full coverage car insurance is $223 per month and $46 per month for minimum coverage.
Why is car insurance so expensive in Oklahoma?
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.
Do you need insurance to register a car in Oklahoma?
Yes, you need car insurance to register a vehicle in Oklahoma.
How much car insurance do I need 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.
Can I have out-of-state car insurance in Oklahoma?
No, you can’t have out-of-state car insurance if you live in Oklahoma.
How to lower my car insurance 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.
Can you get car insurance without a license in Oklahoma?
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.
What’s the penalty if you don't have car insurance in Oklahoma?
The penalties for driving without car insurance in Oklahoma can include fines up to $250, a license suspension, and vehicle impoundment.
Can you buy a car without insurance in Oklahoma?
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.
Is Oklahoma a no-fault auto insurance state?
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.
Is there a grace period for car insurance in Oklahoma?
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.
Can you get insurance on a car you don't own in Oklahoma?
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.
What are helpful resources for Oklahoma drivers?
Here are some helpful resources for Oklahoma drivers: