Do You Need Full Coverage? Oklahoma Requirements Explained

"Full coverage" is one of the most common terms in auto insurance, yet it's often misunderstood. Let's break down what it actually means in Oklahoma and whether you need it.

What Does "Full Coverage" Mean?

Full coverage isn't an official insurance term. It generally refers to a combination of three coverages:

• Liability: Covers damage you cause to others (required by Oklahoma law)
• Collision: Covers damage to your car from an accident
• Comprehensive: Covers non-collision damage (theft, hail, vandalism, etc.)

Oklahoma's Minimum Requirements (Liability Only)

Oklahoma only requires liability coverage with 25/50/25 limits. This is the cheapest option, starting at $35/month at Genesis Auto Insurance.

When Do You Need Full Coverage?

You should consider full coverage if:

• You have a car loan or lease: Your lender almost always requires it.
• Your car is worth more than $5,000: The cost of collision/comprehensive is worth it to protect your investment.
• You can't afford to replace your car: If your car is totaled, liability alone won't help you.

When Is Liability Enough?

• Your car is older and paid off
• The car's value is less than $3,000–$5,000
• You have savings to replace it if needed

Let Us Help You Decide

At Genesis Auto Insurance, our agents help you find the right balance between coverage and cost. Visit us at any of our Tulsa or OKC locations for a personalized quote.