Flat land and few roads make Enid an easy place to navigate, even for younger or less experienced drivers. With a population of roughly 50,000 people, Enid offers driving that is often quite laid-back. The city only boasts two main highways, with the rest of the area organized in a grid. Traffic here is rare; however, drivers should be careful of cyclists on many of the roads. Driving in Enid may be easy, but it’s always smart to enroll in robust auto insurance anyway.
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All motor All motor vehicles operated or parked on Oklahoma roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in Oklahoma are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oklahoma state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oklahoma law.
The state minimum amount of property damage liability coverage property damage liability property damage liability coverage required in the state of Oklahoma is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Hardworking teens should be able to pay $352 per month and still have a bit of spending money left over. In Enid, car insurance prices go down as the number of years behind the wheel increases. That’s why young adults in their 20s see a $150 price drop over the teenagers’ premium. From that point, everyone spends less than the state average of $203 per month. People in their 60s get the best deal, with a price that’s more than $225 cheaper than what the youngest drivers shell out.
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Oklahomans know that safe driving is smart driving. They’re wise enough to get peace of mind on the road, and insurance companies reward the safest folks with “good driver” and “accident-free” discounts. But all those savings could go out the window after a quick text message or other distraction that causes a fender bender. Even worse, an at-fault accident pushes the rate up $200 per month, or $2,400 per year. The good news is three years of careful driving, and accidents and violations stop affecting insurance costs.
Some residents of the Sooner State are trying to figure out what MasterCard has to do with mastering the road? In Oklahoma, like most states, insurance companies assess credit when deciding the rates. Usually, people with the best credit pay the least. So why do those with poor and average credit pay so little in Enid? Drivers with better credit can finance costlier cars and get more coverage to protect their assets. Either way, moving from good to excellent credit will save over $125 per month, or $1,500 per year.
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Two different Tag Agencies are located in Enid, offering a range of driving services to residents of the area. One office operates Monday through Friday from 8:30 a.m. to 5 p.m., with availability from 9 a.m. to noon on Saturdays. The TAG Agency of Enid is open from 8:30 a.m. to 5:30 p.m. on weekdays. Drivers in Enid are often able to complete their DMV tasks with minimal wait times thanks to the option of two locations.
Given the small size of Enid, the city doesn’t offer a traditional public bus system. Instead, Enid Transit is available on an on-call basis and provides round-trip service. Operating hours of Enid Transit are from 6 a.m. to 10 p.m. Monday through Saturday. Biking around the area is also a popular option, and Uber or Lyft can be utilized outside of Enid Transit’s regular schedule.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Enid drivers measure up to their fellow Oklahoma motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Enid drivers rank 14 in the number of car accidents per driver across all cities in Oklahoma.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oklahoma, Enid drivers rank 10 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Enid drivers rank 14 in the number of DUI’s per driver across all cities in Oklahoma.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Enid is the Chevrolet Malibu.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Enid drivers rank 12 in hybrid and electric vehicle ownership across all cities in Oklahoma.
In most cases, driving around Enid is uneventful; the city is small and doesn’t have many streets to begin with. However, with such a high rate of uninsured drivers in the area, it’s wise to enroll in adequate car insurance. Should you become involved in an accident, you’ll want to protect yourself from having to pay out of pocket for damages.
Even though car insurance in Oklahoma can be expensive, you don’t have to pay a ton for your policy. By visiting Insurify, drivers can find the most cost-effective policy that meets both their budget and their specific driving needs. Head over to Insurify today, and see how your policy compares.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.