Allstate agency in Norman, serving all of OklahomaMon–Fri, 8:30 a.m.–5:30 p.m. Central · (405) 360-9500

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Oklahoma auto insurance with clear answers

Whether you drive one car or manage a household of drivers, we'll explain how each part of an auto policy works and help you choose limits and deductibles that make sense for you.

Get an auto quoteCall (405) 360-9500
Team member helping an auto insurance customer by phone from the Norman, OK office

The main parts of an auto policy

Here's a general overview. Your policy terms decide exactly what's covered, so we'll go through yours line by line.

Liability

Helps pay for injuries to others and damage to their property when you're responsible for an accident. Oklahoma requires drivers to carry liability coverage, and many people choose limits above the state minimum. We'll help you think through what fits.

Collision

Helps pay to repair or replace your vehicle after it hits another vehicle or an object, after your deductible. If your vehicle is financed or leased, your lender may require it.

Comprehensive

Helps with damage from things other than a collision, such as hail, theft, fire, or hitting an animal, after your deductible.

Uninsured and underinsured motorist

Can help protect you if you're hurt by a driver who has no insurance or not enough of it. We'll explain how it works on your policy and what limits are available.

Let's talk about your drivers and vehicles

The right limits depend on your life, not a one-size-fits-all package. When we talk, we'll ask about:

✓Who drives in your household, including newer or teen drivers
✓Which vehicles you drive and whether any are financed or leased
✓How you use them, from daily commutes to weekend trips
✓Your current limits and deductibles, and how comfortable you are with them
✓What you'd want protected if something went wrong

Good times to give us a call

You bought a new car

Make sure your coverage fits the new vehicle and any loan or lease requirements.

You're adding a driver

A new teen driver or household member changes your policy. We'll explain how.

Your rate went up

We'll review your current coverage with you and talk honestly about your options.

You own a home

Reviewing home and auto together may open up discounts. See how bundling works

More ways we can help protect you

Ask about any of these when you call or request a quote.

Condo and rentersLandlords & hostsLife and businessMotorcycle, ATV, and boatFlood insurance

Coverage descriptions on this page are general and simplified. Your policy documents determine your actual coverage, limits, and exclusions, and availability can vary.

Let's find the right auto coverage for your household

Share a few details, and Josh or a member of his team will reach out to talk about your drivers, your vehicles, and the limits that make sense.

Get a QuoteCall (405) 360-9500

Josh or a member of his team will reach out within minutes during business hours (Mon–Fri, 8:30 a.m.–5:30 p.m. Central).