Car Insurance in Bartlesville, OK

Put your mind at ease and cruise the city with car insurance in Bartlesville.

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Car Insurance in Bartlesville Provides Security in Many Situations

Bartlesville is a cozy suburban area just 47 miles north of Tulsa, and it can get easy to become complacent when driving here. With a population around 38,000. the city may not have roadways that are busy, which you may take for granted. Yet, I-60, with its narrow shoulders, has a bad history of accidents, especially if you are driving between the city and Nowata. It is essential to ensure you have proper car insurance in place to protect you.

While Bartlesville only sees about eight inches of snow on average in the peak of winter, tornados and other strong spring storms are of concern. Proper auto coverage can help if your vehicle suffers damage from flying debris or you are in an accident due to slippery, wet roadways.

Bartlesville is lucky to have CityRide and the PICK Program, which offer on-demand public transportation. However, these services have limited availability. You still need to maintain your own reliable vehicle, which means making smart choices in car insurance in Bartlesville that will keep you on the road no matter what happens.

Required Coverage in Oklahoma

The state of Oklahoma requires all drivers to carry liability coverage of $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage. A policy at the state minimum is not always the best choice. Experts recommend a much higher coverage level for liability since accident costs are usually much higher than the 25/50/25 limit.

In addition, liability only covers damage and injuries to others. You have no coverage for your own vehicle or you and your passengers, so it is good to consider comprehensive and collision, which protects you against damages and injuries from accidents or other incidents, such as vandalism.

You also have the option to add additional coverage to your policy to protect you against drivers who may not have insurance or who do not have enough insurance to cover your losses. Some companies offer roadside assistance, rental reimbursement and gap coverage options to assist you in the event you lose the ability to drive your vehicle or it is a total loss.

Average Insurance Costs in Bartlesville

The average annual rate for car insurance in Bartlesville is $1,560 for a liability, comprehensive and collision policy. This is much lower than the state and national averages by about $500 to $800.

However, the cost of your policy depends on a variety of factors, including:

Age: Drivers under the age of 25 and over the age of 65 usually have higher rates than those between the ages of 25 and 65.
Car safety ratings: Vehicles with higher safety performance are cheaper to insure.
Driving habits: When, where and how much you drive impacts your rates.
Location: Bartlesville has lower rates than surrounding areas due to its lower accident rates.
Credit rating: A lower credit score will increase your premiums.

The bottom line with insurance rates is that the company will always assess the risk. It will provide you with lower prices if the chances of you making a claim are not high.

Find the Best Options in Car Insurance in Bartlesville

You have many options in where to buy auto coverage, which can seem overwhelming. Still, shopping around is incredibly important to find the most affordable rates, but that is where VIU by HUB can help. Get quotes from various providers to easily compare policies and find the one that offers you the price and the coverage you desire with VIU by HUB.

This information is intended for general informational purposes only and is not intended to constitute legal advice.