Edmond, OK Auto Insurance

Whether you chose to live in Edmond because of its beautiful scenery or strong education system, this city is a wonderful place for the whole family. But before you pack up your car and head to the lake for your next adventure, make sure you and your loved ones are protected with affordable auto insurance coverage.

Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for the best cheap car insurance in Edmond, OK, call Direct Auto.

Edmond, OK Minimum Car Insurance Requirements

Oklahoma auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Oklahoma are 25/50/25, and they help pay for someone else’s bodily injury and property damage claims after an accident that is primarily your fault.

If you’re still confused what your insurance policy must include, please refer to the chart below.

Coverages	Is It Required by Law?
Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).	Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.
Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.	Yes. $25,000 property damage per accident.
Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run.	Not required.
Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.	Not required.
Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.	Not required.1
Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.	Not required.1

¹Your lender may require these coverages if you lease or finance your vehicle.

Edmond, OK Proof of Financial Responsibility & Penalties

To ensure drivers continue to meet the Financial Responsibility requirements, Oklahoma requires insurance companies to notify the Department of Public Safety if the person's insurance is canceled within 180 days from the beginning date of a new policy. The Department of Public Safety will then contact the person or the owner of the canceled policy for proof of insurance at your address on file giving thirty (30) days to contact the Department of Public Safety and verify that you have valid insurance coverage.

All insurers writing automobile liability coverage in Oklahoma are required to report to the Department of Public Safety whether a vehicle is in compliance with Oklahoma's compulsory liability insurance law via an online insurance verification system.

Penalty for Failure to Comply with Oklahoma's Financial Responsibility Requirements:

Failure to maintain proper insurance could lead to the suspension of your license and vehicle registration. You may face a fine of up to $350, thirty (30) days in jail, or both.

Affidavit of Non-Use:

You may file an Affidavit of Non-Use, available from the Oklahoma Tax Commission, for a vehicle that will not be used on public roads for a period of time, in lieu of maintaining insurance on the vehicle.

SR-22 Insurance in Edmond, OK  

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Oklahoma doesn’t require SR-22 filings, but if you ever move to a new state, you might be required to file one if you’ve:

• Been caught not maintaining proper liability coverage.
• Been convicted of a DUI/DWI.
• Committed other serious driving violations.

If you have questions about SR-22 filings, we’d be happy to help. Direct Auto specializes in helping drivers find affordable car insurance coverage, regardless of their driving or insurance history. Give us a call today.

Oklahoma Regional Auto Insurance

Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, some cities have busy traffic and others offer quiet streets with far fewer accidents. But no matter what city you call home in Oklahoma, we’re here to help you get covered.

Broken Arrow, OK, Auto Insurance

Norman, OK, Auto Insurance

Oklahoma City, OK, Auto Insurance

Tulsa, OK, Auto Insurance

Other Oklahoma Auto Insurance Resources

• Oklahoma Insurance Department
• Oklahoma Department of Public Safety
• Official State of Oklahoma Website

Get Covered with Direct Auto Insurance!

Have a question for us at Direct Auto? Need to start a policy? Just want to talk? Call us at 1-877-GO-DIRECT. For common questions, you can also consult our FAQs page.