Affordable, Flexible Coverage from 100+ Top-Rated Carriers
“Richey Insurance Agency works for you, not just one insurance agency!”
In Oklahoma, all drivers must carry car insurance to operate a vehicle legally. The state mandates minimum liability limits to protect others in an accident. Here’s what every policy must include:
Bodily Injury Liability
Property Damage Liability
These minimum coverages pay for injuries or damages you cause to others. However, many drivers choose higher limits or additional coverages to better safeguard their finances.
Car insurance tends to cost more in Oklahoma compared to other states. According to The Zebra, the average auto insurance rate in Oklahoma is $1,542 per year, which is about 8% higher than the national average.
Your premium will vary based on several factors, such as:
Every driver’s situation is unique, which is why it helps to compare quotes from multiple carriers.
Many drivers reduce costs with discounts for safe driving, bundling auto and home policies, paying in full, or installing anti-theft devices. Working with an independent agency like Richey Insurance allows you to compare multiple carriers at once to find competitive rates.
Teen drivers must meet specific requirements before getting a license:
If you are leasing or financing a vehicle, most lenders require collision and comprehensive coverage:
These coverages are a smart choice if paying out of pocket for major repairs or a replacement vehicle would be a financial strain.
As an independent agency, we partner with more than 100 top-rated carriers to provide you with options. Instead of one-size-fits-all policies, we help Oklahoma drivers customize coverage that fits their lifestyle and budget.
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
