Oklahoma requires its drivers to have liability insurance on their policies. This could help pay for another driver's medical and property damage expenses if you're at fault in an accident. Your liability limits need to be at least:
- $25,000 in bodily injury coverage per person
- $50,000 in bodily injury coverage per incident
- $25,000 in property damage coverage per incident
You'll typically see these limits expressed as 25/50/25.
The following additional car insurance options in Oklahoma can give you extra peace of mind and financial protection in the event of a claim:
- Medical and funeral services payments
- Uninsured motorist bodily injury
- Towing and labor
- CarMatch Rental Coverage®
- Customized parts and equipment
- Auto loan/lease (also known as "gap")
Uninsured drivers in Oklahoma
A report from the Insurance Research Council estimated that about 26 percent of Oklahoma drivers were uninsured in 2012, making your state one of highest in the country for uninsured drivers. The national average was 12.6 percent.
Uninsured motorist coverage helps pay for medical bills and property repair costs for you and your passengers if you're ever involved in an accident with an at-fault driver who doesn't have insurance coverage to pay for your accident-related expenses.