- Liability Insurance In Oklahoma Is:
- Does Everyone Need Liability Insurance in Oklahoma?
- Cheapest Liability Insurance in Oklahoma
- Cost For Liability Only (By City)
- Who Has The Lowest Liability Price? (By City)
- Cheap Oklahoma Insurance: Bundles
- Other Coverages You May Consider
- Full Coverage in Oklahoma
- Should I Upgrade To Full Coverage? Cost By City
- Female Drivers in Oklahoma
- Male Drivers in Oklahoma
- Possible Discounts : Let's us do the math for You!
- Insurance Discount Calculator
- INSURANCE SERVICES WE OFFER
- Explore More Insurance
- FAQs About Cheapest Liability Insurance in Oklahoma at A Plus Insurance
Liability Insurance In Oklahoma Is:
- $25,000 for Bodily Injury for one person. This will be the total amount that your insured will pay for the cost of someone else who you have injured in the case of an accident.
- $50,000 for Bodily Injury for multiple people. This will be the total amount that your insured will pay for the cost of multiple people injured in an accident you have been found guilty of causing.
- $25,000 for Property Damage for each accident. This will be the total amount for the insured to pay for any damaged property you had caused within the accident.
It is a State requirement to hold at least the minimum amount of Liability Insurance in Oklahoma.
Does Everyone Need Liability Insurance in Oklahoma?
In short, the answer is yes. Everyone who operates a vehicle will need liability insurance in Oklahoma.
Unfortunately, it is no longer common for everyone to ride on their horses for transportation. The first car to be made in America was all the way back in 1893. Since then, cars have drastically improved. However, once 1897 rolled around, car insurance companies have been popping up. It is now a requirement to have at least the minimum form of car insurance within every state.
Cheapest Liability Insurance in Oklahoma
If you are wondering what the Cheapest Liability Insurance in Oklahoma is, we have listed a chart to show what each Insurance Carriers prices should approximately be!
If you are interested in more coverages for your vehicle, that will change the rate. The rates may also fluctuate slightly due to other factors that can tie in. Once you speak to an agent, you should have a better idea of what the final costs may be! This chart will only show Liability Insurance in Oklahoma costs:
| Carrier | Average Price |
|---|---|
| Dairyland | $85 |
| Geico | $91 |
| National General | $96 |
| AssuranceAmerica | $104 |
| Mendota Ins. Company | $106 |
| The General | $109 |
| USAA | $109 |
| Progressive Insurance | $113 |
| Safeco | $115 |
| Liberty Mutual | $120 |
| Nationwide | $120 |
| Bristol West | $131 |
| State Farm | $134 |
| Acceptance RTR | $138 |
| 21st Century | $145 |
Cost For Liability Only (By City)
| City | Price |
|---|---|
| Bethany | $109.00 |
| Durant | $101.00 |
| Coweta | $92.00 |
| Elk City | $101.00 |
| Idabel | $87.00 |
| Grove | $102.00 |
| Shawnee | $109.00 |
| Duncan | $95.00 |
| Blackwell | $109.00 |
| Purcell | $102.00 |
| Collinsville | $98.00 |
| Broken Arrow | $108.00 |
| Woodward | $96.00 |
| Ponca City | $107.00 |
| Alva | $89.00 |
| Sulphur | $86.00 |
| Pryor Creek | $101.00 |
| Enid | $107.00 |
| Yukon | $92.00 |
| Clinton | $91.00 |
| Sapulpa | $87.00 |
| Ada | $93.00 |
| Ardmore | $93.00 |
| Noble | $97.00 |
| Tecumseh | $90.00 |
| Mustang | $100.00 |
| Seminole | $107.00 |
| Catoosa | $92.00 |
| Lone Grove | $94.00 |
| Pauls Valley | $89.00 |
| Warr Acres | $101.00 |
| Henryetta | $101.00 |
| Wagoner | $88.00 |
| Midwest City | $108.00 |
| Bartlesville | $103.00 |
| Hugo | $93.00 |
| Bixby | $99.00 |
| Sallisaw | $100.00 |
| Tuttle | $110.00 |
| Newcastle | $101.00 |
| The Village | $92.00 |
| Okmulgee | $99.00 |
| Guthrie | $108.00 |
| El Reno | $89.00 |
| Del City | $98.00 |
| Owasso | $109.00 |
| Harrah | $101.00 |
| Cushing | $91.00 |
| Edmond | $108.00 |
| Moore | $103.00 |
| McAlester | $92.00 |
| Altus | $87.00 |
| Choctaw | $103.00 |
| Glenpool | $99.00 |
| Chickasha | $105.00 |
| Weatherford | $107.00 |
| Tulsa | $92.00 |
| Miami | $106.00 |
| Claremore | $96.00 |
| Poteau | $92.00 |
| Vinita | $92.00 |
| Blanchard | $95.00 |
| Norman | $91.00 |
| Jenks | $103.00 |
| Lawton | $104.00 |
| Skiatook | $109.00 |
| Muskogee | $94.00 |
| Anadarko | $104.00 |
Who Has The Lowest Liability Price? (By City)
| City | Company |
|---|---|
| Claremore | Farmers |
| Lawton | The General |
| Newcastle | Bristol West |
| Tulsa | The General |
| Pryor Creek | National General |
| Yukon | Dairyland* |
| Poteau | Progressive |
| Lone Grove | Progressive |
| Ponca City | The General |
| Moore | Progressive |
| Tecumseh | Progressive |
| Edmond | Liberty Mutual |
| Broken Arrow | The General |
| Weatherford | Progressive |
| Skiatook | Geico |
| McAlester | Liberty Mutual |
| Noble | Geico |
| Guthrie | Bristol West |
| Seminole | Progressive |
| Tahlequah | Progressive |
| Pauls Valley | Geico |
| Norman | Progressive |
| Muskogee | The General |
| Shawnee | Farmers |
| Del City | The General |
| Glenpool | Progressive |
| Bethany | Dairyland* |
| Bixby | Geico |
| Anadarko | The General |
| Wagoner | Geico |
| Woodward | Bristol West |
| Catoosa | Progressive |
| Chickasha | Progressive |
| Purcell | Liberty Mutual |
| Henryetta | The General |
| Grove | Liberty Mutual |
| Cushing | The General |
| Oklahoma City | Progressive |
| Midwest City | Progressive |
| Sapulpa | The General |
| Elk City | Dairyland* |
| Holdenville | Progressive |
| Blanchard | Progressive |
| Choctaw | Geico |
| Coweta | Progressive |
| Vinita | Progressive |
| Tuttle | Progressive |
| Ardmore | National General |
| Clinton | Geico |
| Sallisaw | The General |
| Blackwell | Progressive |
| Harrah | Progressive |
| Altus | Dairyland* |
| Sulphur | Progressive |
| Mustang | Farmers |
| Miami | The General |
| Hugo | The General |
| Stillwater | Geico |
| Piedmont | The General |
| Alva | Farmers |
| Jenks | The General |
| Collinsville | Geico |
| Duncan | Liberty Mutual |
| The Village | Geico |
| Warr Acres | Geico |
Cheap Oklahoma Insurance: Bundles
Another great way to have Cheap Oklahoma Insurance is by bundling the polices together! Many people will bundle their home and auto insurance policies. In doing so, it lowers the overall cost the client would have paid separately.
It is best to bundle your policy with the same carrier. If you have two separate carriers, one for home and one for auto, it can be more complex.
When having multiple policies that are not combined, you may run into the issue of having your coverages lapse. If your coverage lapse within less than 30 days you could see a 8% increase. If your coverage were to lapse after the 30 day period you could see as much as a 35% increase in the policy.
With this being said, it might be in your best interest to avoid that by just sticking with one carrier and bundling the policies!
| Carrier | Average Price |
|---|---|
| Dairyland | $127 |
| 21st Century | $129 |
| Nationwide | $133 |
| AssuranceAmerica | $141 |
| Progressive Insurance | $142 |
| Acceptance RTR | $143 |
| GAINSCO | $143 |
| Mendota Ins. Company | $143 |
| The General | $149 |
| Bristol West | $157 |
| Geico | $158 |
| Allstate | $164 |
| USAA | $165 |
| National General | $169 |
| Farmers | $171 |
Other Coverages You May Consider
Unfortunately, not everything is preventable in our daily lives. So, it is good to take precaution by having a coverage or coverages to help carry the burden of costs when uncertain circumstances may arise.
Comprehensive:
This coverage will assist you with any damage from external sources that were caused to your vehicle. External sources such as fire, floods, tree branches falling, wild animals, and even theft will be covered under this coverage.
Collision:
This coverage will cover the cost of damage caused to your vehicle. This includes damage done while driving, parked, or the vehicle when its unattended. Some examples of this would include, a shopping cart hitting your parked car, another vehicle hitting your car in an accident, or even if your car was parked and began to roll into another object or vehicle.
Full Coverage:
Full coverage will include both Comprehensive and Collison coverage together on the vehicle. Both explanations to these coverages will be listed above!
UIM/UM:
Uninsured Motorist / Underinsured Motorist is a great coverage to have if you are involved within an accident where the other driver either has no insurance or is underinsured. Even though it is a requirement in every state to have Liability insurance, that does not mean that everyone follows this. Individuals who are caught without insurance can get wrapped up in legal issues. However, the outcome may still not change much as far as having things covered if the other driver lacks in their insurance responsibilities. This is why it is an amazing coverage to have incase of a situation like this that way your vehicle expenses are covered.
Medical Payments:
Having Medical Payments coverage will help pay for the costs of Health Insurance deductibles, hospital/doctor visits, emergency vehicles, surgeries, X-rays, etc. This will ensure that the medical payments needed after an accident are partially and/or fully covered depending on how much you are willing to pay and the overall medical costs.
PIP:
Personal Injury Protection coverage is also known as “No-Fault Insurance.” This coverage is required in certain states such as Florida. However, it is not a requirement in Oklahoma. If you decide to get this coverage added on, it will help support you with medical bills, funeral expenses, along with lost wages. Since it is considered a “No-Fault Insurance” this means that regardless of the person found at fault for the accident, whether it be you or the other driver, your expenses will be taken care of.
Full Coverage in Oklahoma
Full Coverage includes Collision, Comprehensive, and Liability Insurance in Oklahoma. When having full coverage, you protect yourself, your vehicle, and others when in the case of an accident.
Therefore, whether you are involved in an accident that you have caused or that the other party has caused, you will be covered in all aspects as far as the overall expenses of damage caused to your vehicle.
In the chart below, there will be a list of carriers and the average costs for getting full coverage in the State of Oklahoma.
We offer Oklahoma Car Insurance Quotes for free!
| Carriers | Average Price |
|---|---|
| National General | $120 |
| Farmers | $146 |
| Progressive Insurance | $150 |
| Travelers | $156 |
| State Farm | $161 |
| American Family | $163 |
| Mendota Ins. Company | $163 |
| Bristol West | $165 |
| USAA | $165 |
| Nationwide | $166 |
| Acceptance RTR | $167 |
| 21st Century | $170 |
| The General | $170 |
| Allstate | $173 |
| Liberty Mutual | $175 |
Should I Upgrade To Full Coverage? Cost By City
| City | Price |
|---|---|
| Guymon | $172 |
| Anadarko | $147 |
| Edmond | $150 |
| Idabel | $152 |
| Tecumseh | $178 |
| Weatherford | $147 |
| Bixby | $170 |
| Shawnee | $157 |
| Vinita | $161 |
| Moore | $180 |
| Woodward | $173 |
| Piedmont | $159 |
| Tahlequah | $179 |
| Jenks | $169 |
| Claremore | $181 |
| Blackwell | $175 |
| Henryetta | $162 |
| Ponca City | $177 |
| Choctaw | $177 |
| McAlester | $177 |
| Duncan | $177 |
| Broken Arrow | $179 |
| El Reno | $153 |
| Hugo | $168 |
| Sapulpa | $163 |
| Lawton | $149 |
| Mustang | $182 |
| Grove | $153 |
| Ardmore | $181 |
| Harrah | $182 |
| Muskogee | $178 |
| Sulphur | $158 |
| The Village | $171 |
| Chickasha | $158 |
| Oklahoma City | $146 |
| Noble | $153 |
| Cushing | $176 |
| Norman | $152 |
| Poteau | $173 |
| Clinton | $172 |
| Ada | $180 |
| Del City | $146 |
| Blanchard | $168 |
| Altus | $155 |
| Skiatook | $174 |
| Newcastle | $180 |
Female Drivers in Oklahoma
A great benefit with being a female includes Cheap Oklahoma Insurance!
Statistically, women have been found to be safer when driving, causing fewer accidents than men. Women are also found to wear their seatbelt more often, not speed, and not drive under the influence. With this being said, insurance companies view women as less of a risk when insuring them.
At least this is something we can brag about when men say we “are not good drivers!”
| Carrier | Average Price |
|---|---|
| Nationwide | $136 |
| Mendota Ins. Company | $138 |
| National General | $138 |
| Geico | $142 |
| Progressive Insurance | $146 |
| Dairyland | $149 |
| Acceptance RTR | $154 |
| AssuranceAmerica | $154 |
| Bristol West | $154 |
| The General | $154 |
| GAINSCO | $157 |
| USAA | $158 |
| State Auto | $159 |
| 21st Century | $167 |
| Farmers | $177 |
Male Drivers in Oklahoma
Since it is typical for men to get paid more in the Untied States of America, it should come to no surprise that they will need to pay a little more when it comes to insurance.
Luckily, if you are a married male, you might find yourself getting a discount! On average, married men are found to drive more cautiously, resulting in less accidents. With this information you may possibly find yourself paying less with anywhere from 4% – 10% for a cheap Oklahoma insurance discount!
Always keep in mind that the discount rate may vary depending on what carrier you choose. Other factors that may differ the rate can include, but are not limited to, location, age, driving record, and vehicle make and model.
| Carrier | Average Price |
|---|---|
| Bristol West | $152 |
| GAINSCO | $156 |
| Acceptance RTR | $157 |
| National General | $160 |
| Geico | $163 |
| Progressive Insurance | $163 |
| Nationwide | $164 |
| AssuranceAmerica | $165 |
| Mendota Ins. Company | $165 |
| Dairyland | $171 |
| The General | $185 |
| American Family | $191 |
| Safeco | $193 |
| 21st Century | $199 |
| State Auto | $201 |
Rates are also subject to change if you have a motorcycle that you are looking at getting liability for.
Possible Discounts : Let’s us do the math for You!
This calculator should help to give a better idea of what discounts you may receive. For an exact number of discounts you may be approved for, it is best to speak with an agent.
Insurance Discount Calculator
INSURANCE SERVICES WE OFFER
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FAQs About Cheapest Liability Insurance in Oklahoma at A Plus Insurance
What is liability insurance, and how can I find the cheapest rates in Oklahoma?
Liability insurance provides coverage for damages and injuries you may cause to others in an accident. To find the cheapest liability insurance rates in Oklahoma, contact our office at 888-445-2793 for a free quote. Our experienced agents can help you compare options and secure affordable coverage.
What factors affect the cost of liability insurance in Oklahoma?
Several factors can influence the cost of liability insurance in Oklahoma, including your driving history, the coverage limits you choose, the type of vehicle you drive, and more. To get a personalized assessment and find the cheapest rates for your specific situation, contact our office at 888-445-2793 for expert guidance.
How can A Plus Insurance help me secure the cheapest liability insurance in Oklahoma?
A Plus Insurance specializes in helping clients find the most cost-effective insurance solutions, including liability insurance in Oklahoma. Our agents have access to multiple insurance providers and can shop for the best rates on your behalf. Contact our office at 888-445-2793 to start saving on your liability insurance today.
Do you need liability insurance in Oklahoma?
Yes, liability insurance is required in Oklahoma to legally drive a vehicle. It provides financial protection in case you are responsible for causing damage or injury to others in an accident. It’s not just a legal requirement; it’s essential for your financial security and the well-being of others on the road. Contact our office at 888-445-2793 to get the right liability insurance coverage for your needs.
Last Updated on by Camron Moss