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Greater Tulsa Insurance Inc

2604 W Kenosha St, #143
Broken Arrow, OK 74012

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Oklahoma Insurance Blog

What is basic auto insurance in Oklahoma and when is it a good choice?

It is important if you’re driving your car in the state of Oklahoma that you are aware of the basic amount of auto insurance required by the state. You can be penalized if you don’t have the correct amount and it could cost you your registration and license. At Greater Tulsa Insurance Inc. in Tulsa, OK, we will make sure that you have the right coverage to protect your assets. 

Basic auto insurance in Oklahoma 

In Oklahoma, the basic insurance that every driver is required to have is liability coverage in the amount of 25/50/25. This breaks down to $25,000 for injuries to the first person injured in an accident where you are responsible, and the total amount for bodily injury is $50,000. $25,000 is allowed for property damage, which is a pretty good amount but not too much. It’s only enough if you have little or no assets. 

For most people, this is not really enough liability insurance. It really is pretty basic, and unless your assets are very basic, you could find yourself holding the bag if you are responsible for an accident. The insurance industry recommends that you have $100,000 for the first person, with a total of $300,000 per accident. Add to that, $100,000 for property damage. This will be more in keeping with what the actual damage from a serious accident could be. 

Basic insurance does not offer any protection for your vehicle. If it is stolen or damaged in an accident where you are responsible, you will have to replace it yourself. If you have lots of money and can easily do that, then basic insurance is the right choice. Or, if your vehicle is old and has very little cash value, go for basic coverage. 

Contact Greater Tulsa Insurance Inc. in Tulsa, OK for personalized auto insurance coverage. 

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