Oklahoma Car Insurance

Additional coverage considerations in Oklahoma

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Oklahoma drivers might consider.

• Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
• Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object.
• Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
• Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
• Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud.
• Repairing or replacing auto glass: Coverage for the repair or replacement of your windshield, windows and other auto glass, without a deductible.

What affects your Oklahoma car insurance rates

There are several factors that impact auto insurance in Oklahoma, including individual circumstances, location, weather patterns and more. Here are key points to consider:

• Driving history: Your individual driving record significantly impacts insurance premiums. Drivers with clean driving records may have lower premiums, while drivers with a history of accidents or traffic violations typically face higher rates.
• Coverage options and limits: The types and amounts of coverage you choose can affect your premiums. Opting for the minimum coverage required in Oklahoma may be more affordable, whereas optimizing your coverage may increase premiums.
• Vehicle type: The make and model of a vehicle, its safety ratings and repair costs are all factors that may affect insurance premiums.
• Claims in Oklahoma: Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in Oklahoma.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Oklahoma auto insurance discounts

Amica offers various auto insurance discounts to help Oklahoma drivers save money on their premiums.¹ Here are some ways to save:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get a discount when you’ve been claim-free for the past three years.
  • Defensive driver training: Taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
  • Adaptive headlights: if your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Oklahoma policy premium up front

If you’re an Oklahoma driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 20% with a multiline discount.¹

Facts and figures about Oklahoma

Fun facts about Oklahoma:

• Route 66 runs 400 miles diagonally across Oklahoma, covering more miles in this state than in any other. Along the route, there are various museums, restaurants and other roadside attractions.²
• Oklahoma City had the world's first parking meter, known as the Park-O-Meter #1, which was installed in 1935.²
• Oklahoma features a town named Canadian and a county with the same name. Interestingly, the town is not located within the county. Both derive their names from the Canadian River, which is the longest tributary of the Arkansas River.²

Facts about driving in Oklahoma:

• Teens aged 14 to 17 working in Oklahoma's farms can apply for a Farm Driving Permit, allowing them to operate Class D vehicles with restrictions.³
• Oklahoma has a Ready, Set, Tag checklist that outlines the steps for residents to buy, sell or transfer a vehicle in the state.³
• In some parts of Oklahoma, animal-drawn vehicles share the road with motor vehicles and follow the same traffic rules. They are vulnerable to serious damage and injury if hit by a car. Warning signs will be posted where you might encounter them.³

With Amica, Oklahoma drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.