Oklahoma is one of the states who’s minimum insurance requirements fall in line with the nation’s average. In fact, Oklahoma’s average annual premiums are actually slightly lower than the nation’s average. This is despite the fact that the state experiences many weather storms that cause it’s millions of residents many days with hazardous driving conditions.

This state requires all drivers to maintain liability insurance for any bodily injury or property damage that is sustained from an accident the driver causes. Oklahoma holds any person responsible for an accident financially responsible for these damages. The state requires this insurance to cover a minimum of $25,000 per person that sustains a bodily injury in an automobile accident. The insurance must cover a minimum of $50,000 if more than one person is injured in the accident. It must also cover a minimum of $25,000 for any property damage that is caused as a result of the automobile accident.

Despite the state’s proximity to the nation’s border, and the millions of people who live there, drivers are not required to carry uninsured and underinsured motorist liability insurance. They are also not required to carry personal injury protection insurance. However all residents have the option to add these clauses to their insurance policies at any time they wish to do so. In fact the state recommends it’s residents to add these clauses.

The state also does not require comprehensive or collision insurance on the automobiles in the state. However many drivers choose to add comprehensive clauses to their insurance polices. This is because of the many violent storms that sweep across Oklahoma every year. Comprehensive insurance will protect owners of automobiles that receive damage in many of these storms. This type of damage is generally caused by excessive rains, hail, and even tornadoes.

Many residents of Oklahoma choose to add additional coverage to their insurance premiums. This helps reduce the out of pocket costs that arise when damages occur to their vehicles. Every year hundreds of vehicles are damaged in Oklahoma as a result of severe weather. These numbers often exceed the numbers of vehicles damaged in automobile accidents in this state.