Full Coverage Car Insurance Oklahoma | Complete Guide & Quotes

Full Coverage Car Insurance Oklahoma – Complete Protection

Get comprehensive auto insurance that goes beyond state minimums. Our full coverage car insurance Oklahoma policies protect your vehicle, your finances, and your peace of mind with competitive rates from top providers.

Why Choose A Plus Insurance for Full Coverage Car Insurance Oklahoma

Expert Oklahoma Agents

Our local agents understand Oklahoma’s unique insurance requirements and can customize your full coverage car insurance Oklahoma policy to match your specific needs and budget.

Multiple Provider Options

We work with top-rated insurance companies to find you the best rates for cheap car insurance Oklahoma while maintaining comprehensive coverage.

24/7 Claims Support

Accidents don’t keep business hours. Our claims team is available around the clock to help you through the process whenever you need assistance.

What is Full Coverage Car Insurance Oklahoma?

Full coverage car insurance Oklahoma combines multiple protection types into one comprehensive policy. Unlike the state minimum liability requirements, full coverage includes protection for your own vehicle in addition to covering damages you might cause to others.

While Oklahoma requires $25,000/$50,000/$20,000 in liability coverage, full coverage car insurance Oklahoma adds collision and comprehensive coverage, plus optional protections like uninsured motorist coverage and personal injury protection.

This type of policy is particularly important for newer vehicles, financed cars (where lenders typically require it), or any vehicle you couldn’t easily replace out-of-pocket.

Oklahoma Auto Insurance Requirements vs. Full Coverage

Coverage Type	Oklahoma Minimum	Full Coverage Recommendation	What It Protects
Bodily Injury Liability	$25,000 per person	$100,000+ per person	Other people’s medical expenses when you’re at fault
Bodily Injury (Multiple)	$50,000 per accident	$300,000+ per accident	Medical costs for multiple injured parties
Property Damage	$20,000	$100,000+	Other vehicles and property you damage
Collision Coverage	Not Required	Included	Your vehicle after collisions
Comprehensive Coverage	Not Required	Included	Theft, vandalism, weather, animal strikes
Uninsured Motorist	Optional	Highly Recommended	You when hit by uninsured drivers

Why Exceed Minimum Requirements?

Oklahoma’s minimum liability limits haven’t kept pace with rising medical and repair costs. A serious accident could easily exceed $20,000 in property damage or $50,000 in medical bills, leaving you personally responsible for the difference. Full coverage car insurance Oklahoma provides adequate protection for today’s real-world costs.

Additionally, Oklahoma has one of the highest rates of uninsured drivers in the nation at approximately 13.4%, making uninsured motorist coverage particularly valuable for Oklahoma auto insurance policies.

Oklahoma Car Insurance Cost Analysis

Coverage Level	Average Annual Premium	Key Features
State Minimum	$450 – $650	Basic liability only
Standard Full Coverage	$850 – $1,200	Collision + Comprehensive + Higher Limits
Premium Full Coverage	$1,200 – $1,800	Maximum protection with low deductibles

Note: Actual rates vary based on driving record, vehicle type, location within Oklahoma, credit history, and other factors. Contact us for your personalized full coverage car insurance Oklahoma quote.

Additional Insurance Services in Oklahoma

At A Plus Insurance, we provide comprehensive protection solutions beyond just full coverage car insurance Oklahoma. Explore our full range of insurance products:

Oklahoma Homeowners Insurance

Protect your home against Oklahoma’s severe weather, including tornadoes, hail, and wind damage with comprehensive homeowners coverage.

Motorcycle & RV Insurance

Specialized coverage for motorcycles, ATVs, RVs, and other recreational vehicles with Oklahoma-specific protections.

Business Insurance

Complete commercial insurance solutions for Oklahoma businesses of all sizes, from liability to property coverage.

SR-22 Insurance Services

If you need an SR-22 filing in Oklahoma, we can help. We specialize in high-risk insurance and work with multiple providers to find you affordable rates. Learn more about SR-22 requirements by state or check our specific Oklahoma liability insurance options.

Frequently Asked Questions About Full Coverage Car Insurance Oklahoma

What exactly does full coverage car insurance Oklahoma include?

Full coverage car insurance Oklahoma typically includes liability coverage (meeting or exceeding state minimums), collision coverage (for accidents involving other vehicles or objects), comprehensive coverage (for non-collision damage like theft, weather, or animal strikes), uninsured/underinsured motorist coverage, and often medical payments or personal injury protection. The exact components can be customized based on your needs and budget.

Is full coverage car insurance required in Oklahoma?

While full coverage isn’t legally required by the state of Oklahoma, it is often required by lenders if you’re financing or leasing your vehicle. Even if not required, full coverage car insurance Oklahoma is strongly recommended for newer vehicles or any car you couldn’t easily replace out-of-pocket.

How much does full coverage car insurance cost in Oklahoma?

The cost of full coverage car insurance Oklahoma varies based on factors like your driving record, age, vehicle type, location within Oklahoma, credit history, and coverage limits. On average, Oklahomans pay between $850 and $1,800 annually for full coverage. Get your personalized quote for exact pricing.

What deductible should I choose for my full coverage policy?

Deductibles for full coverage car insurance Oklahoma typically range from $250 to $2,000. A higher deductible (like $1,000) will lower your premium but means you’ll pay more out-of-pocket if you file a claim. A lower deductible ($250-$500) costs more monthly but reduces your financial burden after an accident. We can help you find the right balance based on your financial situation.

Does full coverage protect against hail damage in Oklahoma?

Yes, comprehensive coverage (part of full coverage car insurance Oklahoma) protects against hail damage, which is particularly important in Oklahoma’s “Hail Alley.” This coverage also protects against other weather-related damage, theft, vandalism, and animal collisions.

Can I get full coverage if I have a poor driving record?

Yes, we specialize in helping drivers with less-than-perfect records obtain full coverage car insurance Oklahoma. While rates may be higher, we work with multiple providers who specialize in high-risk coverage and can often find more affordable options than going directly to standard carriers.

Last Updated on December 2, 2025 by Brian Muse