Independent broker in Oklahoma City. One application goes to Safeco, Mercury, Progressive, Travelers and the rest of our personal auto carriers, for families and teen drivers across Oklahoma and Texas. The online rater shows your real rate on screen in minutes.
Prefer to have it shopped for you? See how an independent Oklahoma car insurance broker quotes multiple carriers from one application.
OKC Insurance Brokers is an independent car insurance broker in Oklahoma City. Independent means one application goes to several personal auto carriers at once, Safeco, Mercury, Progressive and Travelers among them, and you see their rates side by side instead of one company's price. Every quote we send carries 100/300/100 liability with the state minimum beside it, uninsured motorist on the policy, and the deductibles in dollars. The online rater shows your real rate on screen in a few minutes with no call-back. This page is what the policy is made of, what Oklahoma requires, and what moves the price.
Own your home too? Read how home and auto bundling works in Oklahoma, and why we price it bundled and split before you buy. Prefer to have someone shop it for you? See how an Oklahoma car insurance broker works.
SEE YOUR RATE ON SCREEN NOW HAVE US SHOP IT
Pays for injuries you cause to others and damage to their property, and it is the only part Oklahoma and Texas require. Oklahoma's minimum is 25/50/25; Texas's is 30/60/25. Both are legal floors. We quote 100/300/100 as the default, $100,000 per person and $300,000 per accident for injuries and $100,000 for property damage, and show the minimum beside it, because $25,000 does not replace a newer car you hit or pay for one ambulance ride plus one surgery, and the difference comes out of your own assets. The premium gap between the two is small next to the protection gap. Oklahoma's rules in full are on the minimum requirements page.
Pays for your injuries when the driver who hit you has no insurance or too little, and in a hit-and-run. Oklahoma is an at-fault state with more than its share of uninsured and minimum-limit drivers, so we quote this on every policy. It is inexpensive relative to what it does.
Collision pays for the crash, whoever caused it. Comprehensive pays for everything that is not a crash: hail, theft, fire, a deer, the rock through the windshield. Both carry a deductible you choose; a higher deductible lowers the premium and raises the check you write after a claim. A lender requires both while there is a loan. On a paid-off car, the question is whether you could replace it tomorrow; if not, keep comprehensive at least, because in Oklahoma the claim you are most likely to file on your own car is hail. Our paid-off car guide works through it.
Medical payments covers you and your passengers regardless of fault and is worth having even with health insurance, for the deductible and the passengers who do not have any. Rental reimbursement and roadside are cheap add-ons that matter on the day you need them.
We do not print an average, because the number that fits a clean-record couple in Edmond with two paid-off cars is wrong for a family in south Oklahoma City adding a sixteen-year-old. What moves it, in the order the carriers weigh it: the drivers and their records; the cars; the coverage and limits; the deductibles; the ZIP code where the car sleeps, rated on claim frequency, theft and hail; credit history; and the discounts you qualify for. Our Oklahoma auto cost guide takes each one in turn. The rater gives you your own number faster than any guide.
What does not belong on the list: dropping to the state minimum. It moves the risk onto you, not off you.
Adding a teen is the largest premium increase most families ever see, and it is priced on inexperience, measured in claims. The car matters more than parents expect, the good-student discount is real, and driver training and telematics both move it. Our ten ways to lower teen car insurance costs in Oklahoma is the most-read page on this site for that question.
Our office is at 11901 N MacArthur Blvd STE D9, and most of the households we insure are in Oklahoma City, Edmond, Yukon and Mustang, with clients statewide and in Texas. Carriers rate the ZIP code where the car is garaged, so central Oklahoma City and Tulsa run above the suburbs and the suburbs above the rural counties, but the drivers on the policy move the number more than the city does. Wherever you are, the rater and the form work the same way, and the person who answers (405) 509-9433 is the broker.
It depends on the drivers, the cars, the ZIP code, the limits and deductibles you choose, your credit history and your claims record, in roughly that order, and no honest average fits a household. The online rater shows your real rate in a few minutes; our Oklahoma auto cost guide explains what moves the number.
The state requires 25/50/25. We quote 100/300/100 as the default, $100,000 per person and $300,000 per accident for injuries and $100,000 for property damage, and show the minimum beside it. $25,000 does not replace a newer car you hit or cover one serious injury, and the premium difference is small next to the protection difference.
No. Oklahoma is an at-fault state: the driver who caused the accident, and that driver's insurer, pays for the other side's injuries and damage. That is why your own liability limits matter so much, and why uninsured and underinsured motorist coverage matters when the driver who hit you carried the minimum or nothing.
We recommend it on every policy and quote it that way. Oklahoma has more than its share of uninsured and minimum-limit drivers, and when one of them hits you, uninsured and underinsured motorist coverage is what pays for your injuries. It is inexpensive relative to what it does.
Liability plus collision and comprehensive on your own car, usually with uninsured motorist and medical payments. A lender requires collision and comprehensive while there is a loan. On a paid-off car, keep comprehensive at least; in Oklahoma the claim you are most likely to file on your own car is hail.
Shop it across carriers at every renewal, bundle with your home or renters when the same carrier also prices your home fairly, raise the collision and comprehensive deductibles to an amount you could write a check for, take every discount you already qualify for (good student, defensive driver, paid in full, low mileage, telematics), and keep the record clean. Dropping to the state minimum is not on the list.
Inexperience, priced as claims. Adding a sixteen-year-old is the largest premium jump most families see. The right car, the good-student discount, driver training and telematics all move it; our teen driver guide covers each one and ranks near the top of Google for the question.
The online rater shows real rates on screen in a few minutes with no call-back, and you can bind from there. If you would rather we run it, send your current declarations page and the drivers' licenses and we come back the same business day. Proof of insurance goes to your phone and to the lender the same day.
No. Uninsured motorist coverage in Oklahoma is bodily injury only. It pays for your medical bills and lost wages when the other driver has no insurance, not for your car. Your own collision coverage is what repairs the car, minus your deductible. About one Oklahoma driver in eight is uninsured, which is why we quote collision and uninsured motorist together.
Keep collision and comprehensive while the car is worth more than you could replace out of pocket. Once a car is worth a few thousand dollars, the premium for collision can outrun what a claim would pay. Keep uninsured motorist and your liability limits either way; those protect you, not the car. We can show you the premium with and without collision on your renewal so it is a number, not a guess.
Liability only means the policy pays for damage and injuries you cause to other people, and nothing for your own car. It is the cheapest way to be legal in Oklahoma. We do not write the 25/50/25 state minimum: one hospital bill passes $25,000 fast and the rest comes out of your pocket. Our floor is 100/300/100, and on liability only the price difference is usually small.
There is no honest state average that applies to you. The same driver in Oklahoma City can see quotes $80 a month apart from carriers that rate ZIP code, credit, age and vehicle differently. A clean-record adult on a paid-off sedan at 100/300/100 is the cheap end; a driver under 25 on a financed truck is the expensive end. One quote request to us returns several carriers, which is the only average that matters.
Age. Every carrier surcharges drivers under 25, and a few surcharge until 30. Two things bring it down: staying on a parent's policy as a listed driver instead of buying your own, and comparing carriers, because the under-25 surcharge varies more between companies than any other factor. At 25 the rate steps down on its own; that is the time to re-shop.
The carrier cancels for non-payment after the grace period, usually 10 to 14 days after the due date, and reports the lapse to the state. Driving on a lapsed policy in Oklahoma means a fine, a suspended registration and a higher rate when you buy again, because every carrier asks how long you have been continuously insured. If money is tight, call us before the due date; a payment plan or a lower limit beats a lapse.
Multi-policy (home or renters with auto) is the biggest, then paid-in-full, good student, defensive driving course, telematics apps, and a vehicle with automatic braking. Bundling a renters policy at about $15 a month often saves more than it costs. Ask us to run the quote with and without each one.
SEE YOUR RATE ON SCREEN NOW HAVE US SHOP IT
Related: home and auto together, renters insurance for the auto and renters bundle, how a car insurance broker works, commercial auto for the work truck, and the Oklahoma minimum requirements.
There is no such thing as a full coverage policy. It is shorthand, not a coverage, and it is the single most misunderstood phrase in auto insurance. What people mean by it is liability plus comprehensive and collision: liability pays for the harm you do to other people, collision pays to repair your own car after an impact, and comprehensive pays for the things that are not impacts, which in Oklahoma mostly means hail, theft, glass, flood and the deer.
What it does not include is the part that catches people out. "Full coverage" does not automatically include uninsured and underinsured motorist coverage, which matters a great deal in a state where a meaningful share of drivers carry nothing. It does not include rental reimbursement or roadside assistance unless you added them. It does not include gap, so if you owe more than the car is worth, a total loss pays the car's value and leaves you holding the rest of the loan. And it does not raise your liability limits: you can carry comprehensive and collision on a nice car and still be sitting on state minimum liability, which is the worst combination we see. We do not write bare minimums without showing you what real limits cost beside them.
What decides the price. As with the rest of the policy, we do not print an average, because the figure that fits one household is wrong for the next. Comprehensive and collision are priced off the car rather than the driver: what it costs to repair, what it is worth, how often that model is stolen, and what the parts and labour run. Then your deductibles, which is the fastest lever you control, your ZIP code, rated on claim frequency, theft and hail, and your record. Two identical drivers in the same house can pay very different amounts on two different cars, and that is normal.
The question we actually get asked is whether to keep it once the loan is gone, and that deserves its own answer rather than a rule of thumb: see should you keep full coverage on a paid-off car in Oklahoma. The short version is that it stops being about the lender and starts being about whether you could replace the car tomorrow out of pocket.
It is not a real coverage, it is shorthand for liability plus comprehensive and collision. Collision pays to repair your car after an impact; comprehensive pays for what is not an impact, which in Oklahoma mostly means hail, theft, glass, flood and hitting a deer; liability pays for the harm you do to other people. It does not automatically include uninsured motorist, rental reimbursement, roadside assistance or gap, and it does nothing to raise your liability limits.
We do not print an average, because the number that fits one household is wrong for the next. Comprehensive and collision are priced off the car more than the driver: repair cost, current value, theft frequency for that model, and parts and labour. After that it is your deductibles, which is the fastest lever you control, the ZIP code where the car sleeps, rated on claim frequency, theft and hail, and your record. Run the rater and you will have your own number in minutes rather than a guess.
No, and the name is the problem. You can carry comprehensive and collision on a nice car and still be on state minimum liability, which is the worst combination we see, because liability is the part that pays when you hurt someone else and that is where the real money goes. Full coverage also leaves out uninsured motorist and gap unless you add them. Ask what your liability limits are before worrying about whether you have full coverage.
One short form, quotes from multiple carriers, our recommendation beside them.
Prefer to talk? Call or text (405) 509-9433
