Auto Insurance in Oklahoma

The world of auto insurance can be confusing. Understanding insurance laws and requirements aren't likely a priority for most people. At Vance Insurance Group LLC, however, we make it our priority. Our professional and knowledgeable agents are prepared to help you understand what types of auto insurance you're required to have in Oklahoma. Our agents at Vance Insurance Group, located in Oklahoma, will ensure that you have the coverage you need at premiums you can afford.

Compulsory Coverage

The state of Oklahoma requires drivers to carry auto liability coverage. This insurance covers drivers of other cars involved in an accident caused by you. The minimum required limit for bodily injury is $25,000 per person and $50,000 per accident. The minimum limit for property damage is $25,000. Keep in mind that these are only minimum limits. You can purchase higher limits to give you more financial protection if your accident causes an excessive amount of damage. The agents at Vance Insurance Group can discuss with you what limits may be appropriate.

Other Coverage

Physical Damage:

  • Collision. This is coverage that pays for damages to your car. You may be required to carry this type of coverage if you finance your car. Talk with our agents to be sure you're purchasing coverage that makes sense.
  • Comprehensive. This coverage is for damage to your car which is non-accident related. Our agents can help you understand precisely what is and is not protected under this type of coverage.

Medical Pay (MedPay): Our agents will talk to you about this coverage that pays for your accident-related medical expenses. We can help you determine whether you need it and how much you may need.

Uninsured Motorist: If you're in an accident caused by a driver who doesn't have insurance, this type of coverage will cover your medical expenses related to the accident. Since it's an optional coverage, discuss this with our agents to determine whether it's something you'd like to carry.

The list of auto insurance topics can be overwhelming. Our agents at Vance Insurance Group LLC can help you wade through the questions you may have. Call us or stop by our office in Oklahoma to discuss your auto insurance needs and questions.