By Alexis Karapiperis | Customer Service Representative at Learnandserve.org | Powered by A Plus Insurance

In Oklahoma, drivers must hold the State’s minimum requirement for auto insurance. Oklahoma requires liability insurance for all insured drivers.

Liability insurance is proof that you hold financial responsibility for the expenses of an accident where you were found guilty in causing.

Oklahoma’s Mandatory Requirement for Liability Insurance is: 25 / 50 /20

Bodily Injury for One Individual	Bodily Injury for Multiple Individuals	Property Damage
$25,000	$50,000	$20,000

Liability insurance covers up to the amount set on the policy, for any bodily injury or damaged property done to the other individual in the accident. Any expenses that exceed the limit set on the insurance policy will need to be paid out of pocket.

For example, if you have $25,000 set for property damage on your policy, but the accident you caused is valued at $35,000, then you would need to pay the remaining $10,000 out of pocket.

It is strongly encouraged to increase your liability limits or to add on additional coverages to the policy to ensure that you will be covered financially since most accidents will be of a greater value than the State’s minimum.

What is Full Coverage Car Insurance in Oklahoma?

Full coverage car insurance Oklahoma is an optional coverage to add onto your auto policy. However, some financing or leasing companies may require that you hold full coverage insurance as part of your car loan or leasing terms.

Full coverage insurance will include two coverages which are called Comprehensive and Collision.

Coverage	Explanation
Comprehensive	Will cover the cost of repair for damage done to your vehicle from external factors including: fire, flood, tree branch falling, deer’s hitting the car, vandalism, theft, etc.
Collision	Will cover the expenses to replace or repair your vehicle from collision to another vehicle or object in an accident whether the car was parked or actively moving at the time.

It is important to note that when getting full coverage, you will choose a deductible amount which will need to be paid first before the usage of coverage kicks in.

Deductibles can typically be $500 or $1,000. When choosing a higher deductible, the insurance carrier will view you as taking on more financial responsibility, therefore, lowering your premium cost for full coverage car insurance Oklahoma.

Furthermore, if you are wanting to get the cheapest full coverage insurance in Oklahoma, speak with an agent about deductible amounts, discounts you are eligible for, along with additional variables you will discuss during the quoting process.

Should I Get Full Coverage Calculator

If you are curious about whether or not you may want to add full coverage onto your auto policy or if you may need it, you can use the calculator below to see if it would be a good option to consider full coverage car insurance Oklahoma.

Age of Vehicle0 to 2 yrs3 to 6 yrs7 to 10 yrs11 to 14 yrs14+ yrs old

Value of VehicleUnder $750$750 to $2,500$2,501 to $5,500$ 5,501 to $12,500$12,501 +

Monthly premium increase for Full coverageunknownLess than $65$66 to $125$125 and up

Under 6 = Liability / 7 to 9= Consider Full Coverage / 9 += Full Coverage RecommendedAlways talk with an insurance professional to discuss your specific needs.

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Overall, full coverage is a great option to have for insured drivers with a vehicle that is less than 10 years old. It financially protects the insured for having to pay for the expenses of damage caused to their vehicle for a lower amount rather than paying for the total cost of damage.

However, with a vehicle over 10 year in age, full coverage may not be the best option due to it being more difficult to find car parts and the cost of full coverage being more expensive than the vehicles value.

Our Agents at A Plus Insurance would be more than happy to help assist you and answer any questions you have about full coverage or if its a good investment for you.

A Plus Agents are able to connect with you through call, text, or email to help you get the cheapest full coverage car insurance in Oklahoma!

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Last Updated on March 15, 2023 by Alexis Karapiperis