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Search by Quote ID → Search by Date of BirthMercury 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.
Why Choose Mercury?
- 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.
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 passengers or delivering goods. You may need business auto insurance to stay protected.
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:
- Safe driver discount: Maintain a clean driving record with no accidents or violations, and you could save on your insurance rates.
- Multi-car discount: Insure more than one vehicle with Mercury and benefit from lower rates on each car.
- Anti-theft feature discount: If your car is equipped with anti-theft technology, Mercury rewards your proactive security measures with a discount.
- Good student discount: For families with young drivers in school, a good academic record could mean savings on your auto insurance.
These are just a few of the discounts available. Contact your local Mercury agent to explore more ways to save on auto insurance.
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.
Oklahoma City Car Insurance FAQ
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. Contact a local agent to customize a policy that fits your needs and budget, ensuring you get the best value for your car insurance.
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.
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.
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.
How to find the cheapest car insurance in Oklahoma City?
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.
What products does Mercury offer in Oklahoma City?
Here are some of the products we offer to OKC residents: