Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Moore sits on I-35 between Oklahoma City and Norman, which means the traffic through it is mostly not from here and moving faster than the retail corridors either side of the interstate would suggest. Harvey Insurance writes Cleveland County auto coverage starting with the number the state sets and almost nobody converts into a real-world scenario.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Oklahoma requires every driver to carry at least twenty-five thousand dollars of bodily injury coverage per person, fifty thousand per accident, and twenty-five thousand for property damage. Those are the legal minimums and a great many policies are written exactly at them, usually because that is what the quote defaulted to. Put them against a real collision on I-35 and the arithmetic is uncomfortable. Twenty-five thousand dollars of property damage is roughly one late-model pickup, and if the vehicle you hit is newer than that, the balance is yours. Twenty-five thousand of bodily injury per person is an emergency room visit, imaging and a short admission — it does not survive surgery, and it does not begin to address lost income. Fifty thousand per accident is that same figure split among everyone in the other vehicle. Above the minimums, liability coverage is remarkably cheap: moving to a hundred thousand per person and three hundred thousand per accident typically costs a fraction of what the first twenty-five thousand did, because the catastrophic layer is rarely reached. The reason to buy it is not the everyday fender bender. It is that your savings, your home equity and your future wages sit directly behind whatever number is printed on that page.
Get a Free Auto QuoteWhether you drive a new vehicle or an older model, Harvey Insurance finds you the right auto coverage at a competitive rate — from the same local team that picks up the phone.
Moore crashes come from interstate traffic meeting local retail streets.
25/50/25 is what Oklahoma requires, not what a serious collision costs. Raising liability is the cheapest coverage per dollar of risk removed on any auto policy.
Interstate speed meets retail-corridor speed at the interchanges, and the differential is what produces the severe collisions here.
Cleveland County hail and wind damage cars as readily as roofs, and that damage sits under comprehensive rather than collision.
Moore’s traffic is an interstate running through a shopping corridor.
The spine between Oklahoma City and Norman, carrying through-traffic at speed past the length of the city.
The main retail corridor, meeting I-35 at a modified diamond interchange anchored by big-box stores.
The north-south connector whose junction with 19th residents have complained about for years.
The State Highway 37 route through town, mixing local traffic with cross-county movement.
The southern arterial, quieter than 19th and carrying steady school and neighborhood traffic.
We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.
We work with the most trusted carriers in the country — and in Moore we will show you what raising liability above the state minimum actually costs before you decide against it.
We understand the specific risks Moore drivers face and write every policy with that knowledge front and center.
When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.
Ask what 100/300 costs instead of 25/50. The answer surprises most people. Quoted today.
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Harvey Insurance also proudly serves the smaller communities around Moore, including Oakcliff, Cedar Lane, and Riverwind.
Own a home in Moore too? See our Moore homeowners insurance.
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Also in Moore: Moore renters insurance and Moore landlord insurance.