Fair and affordable car insurance has finally come to Oklahoma. Whether you’re cruising the iconic Route 66, looking for a parking spot on Main Street in Enid, or navigating rush hour at the junction of I-35, I-40, and I-44 in Oklahoma City, Root’s got you covered. With Root, if you drive safely, you’ll pay up to 52% less to insure your car.
We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance system by bringing fairness and ease to customers across the Sooner State.
Since Oklahoma is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the best drivers of the Sooner State—from Tulsa to Oklahoma City, Lawton to Stillwater, and all points between (we’re looking at you, Edmond).
To legally operate a vehicle in Oklahoma, you must carry liability insurance and uninsured/underinsured motorist protection. If you’re found driving without it, you can face fines up to $250, a suspended driver’s license, suspension of your vehicle registration, and 30 days in jail.
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
You can always opt for higher limits if you want more coverage.
Uninsured and underinsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance, or whose car insurance amounts won't adequately cover your costs. Insurance companies in Oklahoma are required to offer this coverage as part of your policy. However you can reject this coverage in writing and still be in compliance with car insurance laws.
Again, you can always opt for more coverage.
You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your car.
Learn all about Root’s coverage options here:Our Coverages
The penalties for driving without car insurance in Oklahoma include:
The average Oklahoman pays $1,4762 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $1,112/year on average—all while enjoying fair and simple car insurance.