Oklahoma City Car Insurance (OK)

Oklahoma City is the home to over 531,324 of the 3 ½ million residents in the State of Oklahoma. The city remains one of the most affordable cities to live; with typical housing rates 15% below the national average and average car insurance premiums around $862 - also below the national average of $914 for auto insurance premiums. The average driver spends 20 minutes on the roads to and from work, which is lower than commuting times in many other cities and contributes to lower car insurance premiums.

Driving in Oklahoma City

Living and driving in Oklahoma City means you must maintain state mandated minimum insurance policy coverage amounts on any car you drive. The 2 ½ million drivers in Oklahoma are required to carry $25,000 per person for injury or death and $50,000 per accident for bodily injury coverage with at least $25,000 in property damage liability.

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Save Money on Your Oklahoma City Car Insurance

Just because Oklahoma City offers lower than average car insurance premiums does not mean you still cannot take measures to effectively reduce what you pay for your own auto insurance premium. With 60 fatal accidents in 2004 in Oklahoma City involving more than 101 vehicles and 159 people - learning how to drive safely with other drivers on the road can effectively reduce what you pay in auto insurance premiums. Attending a driver's education course will save you about 10% per year for a three year period and reduce your risk of getting into an accident.

Selecting vehicles that are less likely to be stolen is another way to have lower insurance premiums. In 2005, over 4,500 vehicles were stolen from Oklahoma City. Installing anti-theft devices will typically result in reduced auto insurance premiums, and storing your car in a locked garage, as will driving a car that has received high safety test ratings.

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