Bodily Injury Liability
Helps pay covered injury-related damages you are legally responsible for when you cause an accident, up to the policy limits.
AUTO INSURANCE
Auto Insurance Help in Tulsa, Oklahoma
Great Nation Insurance helps Oklahoma drivers compare auto insurance coverage, limits and available carrier options. We can help you understand what each common coverage does so you can make an informed decision about protecting yourself, your passengers and your vehicle.
What Auto Insurance Is Required in Oklahoma?
Oklahoma requires automobile liability insurance. The state minimum liability limits are 25/50/25: up to $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $25,000 for property damage caused in one accident.
State minimum limits are only the legal minimum. An accident can cost more than those limits, so the amount of liability protection appropriate for you should be considered carefully.
Understanding Common Auto Insurance Coverages
Property Damage Liability
Helps pay for covered damage you cause to another person's vehicle or other property, up to your policy limit.
Collision Coverage
Helps pay for covered damage to your insured vehicle from a collision, subject to your deductible and policy terms.
Comprehensive Coverage
Also called other-than-collision coverage, it can help with covered losses such as theft, hail, wind, fire or hitting an animal, subject to policy terms and deductible.
Uninsured / Underinsured Motorist
In Oklahoma, UM/UIM can help protect you and eligible occupants for bodily injury when an at-fault driver has no insurance or not enough insurance. It does not generally pay to repair your vehicle.
Medical Payments
May be available to help pay eligible medical expenses for you or your passengers after an auto accident, subject to the coverage limit and policy terms.
Rental Reimbursement
Optional coverage may help with rental vehicle expenses while your insured vehicle is being repaired after a covered loss, subject to policy limits and terms.
Roadside / Towing
Depending on the insurer, optional towing or roadside coverage may help with services such as towing, battery jump-starts or other covered roadside needs.
What Is “Full Coverage” Auto Insurance?
“Full coverage” is an informal phrase rather than a single standardized insurance coverage. People often use it to describe a policy that combines liability coverage with collision and comprehensive coverage, along with other selected options.
If your vehicle is financed or leased, your lender or leasing company may require collision and comprehensive coverage. Always review the actual coverages, limits, deductibles and exclusions rather than relying on the phrase “full coverage.”
Why Consider More Than Oklahoma's Minimum Liability Limits?
If you cause an accident and covered damages exceed your liability limits, you could be responsible for amounts beyond what your policy pays. Your appropriate limits depend on your financial situation, assets, driving exposure and risk tolerance.
Great Nation Insurance can help explain available liability limits so you can compare the protection and premium rather than choosing solely on price.
Understanding Your Deductible
A deductible is the amount you are responsible for on a covered comprehensive or collision claim before the applicable insurance payment. Choosing a higher deductible can often reduce premium, but it also increases the amount you may need to pay out of pocket after a covered loss.
What Can Affect Your Auto Insurance Premium?
Driving Record
Accidents, citations and driving history can affect eligibility and pricing.
Vehicle
Vehicle value, repair costs, safety features, theft experience and other characteristics may affect premiums.
Coverage Choices
Liability limits, comprehensive and collision deductibles, and optional coverages affect the overall premium.
Discount Eligibility
Available discounts vary by insurer and may include multi-car, multi-policy, good-student or other qualifying discounts.
Common Oklahoma Auto Insurance Questions
What are Oklahoma's minimum auto liability limits?
Oklahoma's minimum automobile liability limits are 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident and $25,000 property damage per accident.
Is uninsured motorist coverage required in Oklahoma?
UM/UIM coverage is not mandatory for the consumer to carry, but insurers must offer it. Oklahoma requires a written rejection if you choose not to purchase the coverage.
Does Oklahoma uninsured motorist coverage repair my car?
Generally no. Oklahoma UM/UIM coverage is for bodily injury, not damage to your vehicle. Collision coverage may apply to covered vehicle damage, subject to your policy.
Do I need comprehensive and collision coverage?
They are not part of Oklahoma's state minimum liability requirement, but a lender or leasing company may require them. Whether they make sense beyond lender requirements depends on your vehicle, finances and risk tolerance.
Can Great Nation Insurance compare auto insurance companies?
We can help compare the Oklahoma auto insurance carrier options and policies we offer and explain differences in coverage, limits, deductibles and available discounts.
Request a Free Oklahoma Auto Insurance Quote
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Auto insurance coverages, limits, deductibles, discounts, eligibility and availability vary by insurance company and policy. This page provides general educational information and does not modify or replace any insurance contract. Review the applicable policy and carrier materials for complete terms, exclusions and limitations.