Motorcycle Insurance in Oklahoma 2024

Navigating the motorcycle insurance options in Oklahoma can be difficult, but you’ve found the perfect place to get help. In our experience, the best insurer delivers a great balance of full coverage and superior customer service.

In my 15-plus years in the insurance business, I’ve learned that skimping on motorcycle insurance can really come back to haunt you. It’s not merely about staying legal; it’s about safeguarding what you’ve invested in.

Designed from years of expertise, our guide aims to help you avoid pitfalls and discover the most dependable and economical options for your motorcycle.

Cheapest Minimum Liability Motorcycle Insurance In Oklahoma

According to our research, USAA (in partnership with Progressive) offers the cheapest minimum coverage in Oklahoma at a rate of $8 per month.

In Oklahoma, the “cheapest minimum coverage for motorcycle insurance” category encompasses the most affordable policies that meet the state’s legal requirements for motorcyclists. These policies usually provide basic liability coverage, covering bodily injury and property damage costs that the rider may cause to others in an accident.

In this category, factors like driving history have a substantial effect on insurance rates. A clean driving record typically results in lower premiums since insurers view these riders as low risk. However, a history of accidents or traffic violations can lead to higher rates, as insurers see these riders as higher risk for future incidents.

It’s important to note that an accident can drastically affect your rate, as it implies a higher risk of expensive claims for the insurer. This risk assessment directly influences the cost of minimum coverage insurance in Oklahoma.

Cheapest Full Coverage Motorcycle Insurance In Oklahoma

According to our detailed research, Harley-Davidson (Sentry) has the lowest rates for full coverage motorcycle insurance in Oklahoma, at $27 per month.

The “cheapest full coverage for motorcycle insurance in Oklahoma” category highlights the most economical insurance policies that surpass the state’s basic liability requirements. Full coverage typically consists of comprehensive and collision insurance, ensuring broader protection against accidents, theft, vandalism, and natural disasters.

The driving history of a rider greatly influences insurance rates in this category. A clean record usually leads to lower premiums, as insurers see these riders as lower risk.

Conversely, having a history of accidents or traffic violations typically results in higher rates, as these riders are considered higher risk. In particular, being in an accident can substantially increase your rate because it raises the insurer’s expectation of future claims.

Average Cost Of Motorcycle Insurance In Oklahoma

Full coverage motorcycle insurance in Oklahoma typically costs about $29 each month.

Average Cost Of Motorcycle Insurance In Oklahoma – By City

Your location within Oklahoma influences your motorcycle insurance rates. Riders in big cities tend to pay higher premiums than those in rural areas due to the greater frequency of accidents in urban zip codes.

These ten cities offer the lowest motorcycle insurance rates in Oklahoma:

Do You Need Motorcycle Insurance In Oklahoma?

In Oklahoma, motorcycle insurance is more than a necessity; it’s mandated by law. All motorcyclists must have minimum insurance coverage to legally ride on public roads. This requirement ensures that there is financial responsibility for any damages or injuries resulting from an accident.

The minimum insurance coverage required by Oklahoma law includes liability insurance, which addresses bodily injury and property damage to others in an accident. This includes $25,000 for injury or death to one person, $50,000 for injury or death to multiple people, and $25,000 for property damage. However, this basic coverage does not protect the rider’s own injuries or their motorcycle.

To ensure broader protection, riders often consider additional coverages such as collision, comprehensive, and uninsured/underinsured motorist insurance. Collision insurance pays for damage to your motorcycle in accidents, while comprehensive insurance covers non-collision incidents like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is vital in Oklahoma, given the large number of drivers and riders who might be underinsured.

The law establishes minimum insurance requirements, but riders should evaluate their needs based on factors like the value of their motorcycle, how frequently they ride, and their financial circumstances. Not carrying the required insurance can lead to penalties such as fines, license suspension, and motorcycle impoundment.

How To Get A Motorcycle Insurance Quote

Acquiring a motorcycle insurance quote is a clear process that entails several steps:

Gather Your Personal Information: Before you start, gather your personal information, such as your full name, address, date of birth, and driver’s license number. Also, be ready with details about any other riders who will use the motorcycle.

Collect Your Motorcycle’s Details: Have specific information about your motorcycle ready, including the make, model, year, engine size, and vehicle identification number (VIN). Any modifications or safety features should also be noted, as they can influence your insurance quote.

Determine Your Insurance Needs: Consider the type of coverage you require, including setting liability limits and deciding if you want extra options like comprehensive, collision, or uninsured motorist coverage.

Research Insurance Providers: Search for insurance companies that specialize in motorcycle insurance. Check their reputation, customer service reviews, and financial health.

Get Quotes: Requesting motorcycle insurance quotes is possible through online portals, phone conversations, or direct visits. Share the relevant information with the insurance provider. Opting for online forms can efficiently generate multiple quotes simultaneously, saving time. (Leveraging services such as Insuranceopedia can supply you with multiple quotes, streamlining your decision-making.)

Compare Quotes: Once you receive several quotes, review them for price, coverage options, deductibles, and any exclusions or limitations. Ensure that you’re comparing similar coverages across different quotes.

Ask About Discounts: Check if you can get any discounts for things like safe driving, having multiple policies, or completing motorcycle safety courses.

Review Quotes and Select a Policy: Review all the information carefully and select the policy that offers the optimal combination of price and coverage for your requirements.

Provide Additional Information and Make Your Purchase: Upon selecting a provider, additional information or documentation may be required. Check the policy details, make the first payment, and obtain your proof of insurance.

Upon selecting a provider, additional information or documentation might be necessary. Go through the policy details, make the first payment, and obtain your proof of insurance.