Oklahoma has large areas of the state that are sparsely populated. If you're moving from somewhere like New York or California, you're going to be looking at lower insurance rates. Watch out, though: Oklahoma has ranks 4th in the country in the number of uninsured drivers on its roads (as of 2007), with an estimated 24% of drivers lacking coverage. Oklahoma doesn't require you to carry Uninsured Motorist (UM) coverage, but UM protects you if you're in an accident with one of those uninsured drivers. If you want more details on insurance requirements, you should contact the Oklahoma Insurance Department (http://www.ok.gov/oid/).

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