Oklahoma Car Insurance Laws

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  • Minimum requirements
  • Liability insurance
  • Limits
  • Is minimum enough?
  • No insurance penalties
  • Additional coverage
  • Cheap insurance
  • FAQs
The state of Oklahoma legally requires motorists to carry a minimum amount of insurance that is summarized as 25/50/25. This stands for: $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property liability per accident.
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What car insurance is required by law in Oklahoma?

The state requires all motorists in Oklahoma to carry a minimum amount of liability insurance coverage.
Drivers will also be expected to provide valid proof of insurance to establish that they are carrying the legal minimum car insurance limits. Keep in mind that anybody who leases or loans their vehicle may be required to have additional types of insurance as well.
Here is a summary of the minimum car insurance limits for Oklahoma.
Oklahoma minimum car insurance
** Minimum liability coverage**25/50/25
Bodily injury per accident$25,000
Bodily injury per person$50,000
Property damage per accident$25,000
Key Takeaway Oklahoma motorists must carry the legal minimum liability insurance and proof of insurance when driving.

Liability insurance in OK

Oklahoma drivers must carry both bodily injury liability and property damage liability insurance. Liability insurance will help cover costs for the other party if you cause an accident—but it won’t go towards your own costs.
You will need to purchase additional insurance to ensure your expenses will be covered.

What are the mandated car insurance limits in Oklahoma?

Oklahoma’s minimum liability insurance limits can be summarized as 25/50/25. This number stands for three different categories of liability insurance.
The following is an explanation of how it all breaks down:
$25,000 of bodily injury liability coverage per person: Your insurance company will pay out up to a limit of $25,000 per person for injuries caused by an at-fault accident.
$50,000 of bodily injury liability coverage per accident: Your insurance company will pay out up to a limit of $50,000 to cover the total costs of injuries per accident if you are at fault.
$25,000 in property damage liability per accident: $25,000 is the total amount per accident your provider will cover for property damage if you cause an accident.
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Should I get more coverage than Oklahoma’s required insurance minimum?

Oklahoma only requires drivers to carry liability insurance—which will never cover your costs if you cause an accident.
If you want to ensure that your car damage is covered, you will want to consider upgrading to full comprehensive insurance and collision insurance coverage.
While Oklahoma’s minimum liability requirements are about average, you might still want to increase your limits for added protection. An accident with multiple injuries or more than one vehicle could easily exceed the required state limits. Experts tend to recommend 50/100/50 limits for more robust protection.
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What is the penalty for not having car insurance in Oklahoma?

Any Oklahoma motorist who is caught driving without proof of insurance could face penalties, including fines and possible jail time.
The penalties for driving without car insurance in Oklahoma
  • A fine of $250 or more
  • Possible jail time (up to 30 days)
  • License plate seizure with $125 administrative fee to restore
Key Takeaway An Oklahoma motorist who is caught driving without insurance could face serious penalties like fines, jail time, or license plate seizure.

Additional coverage options

There are plenty of additional policy options available that Oklahoma drivers can take advantage of to upgrade their minimum required car insurance limits. Here are a few standard policy options that are typically available.

Medical payments (MedPay) insurance

MedPay protects any medical expenses for you and your passenger that result from an accident—no matter who is found to be at fault.

Collision insurance

Collision insurance will help cover any damage to your car that results from a rollover or collision with another object, like a car or a tree.

Comprehensive insurance

Comprehensive insurance helps cover the cost of damage to your vehicle resulting from external events, like hail storms, tornados, floods, or theft.

Loan/Lease payoff insurance

Often called gap coverage—loan/lease payoff insurance will cover the difference between what you owe on your totaled car and the settlement you receive from your insurance company after an accident.

Uninsured/underinsured motorist insurance

Uninsured/underinsured motorist insurance will help cover your costs if you get in an accident with an at-fault driver who doesn’t carry enough car insurance.

Roadside assistance insurance

Roadside assistance insurance (often referred to as towing and labor coverage) will provide you access to convenient emergency roadside services, like tows, tire changes, or battery boosts.

Rental car reimbursement insurance

Rental reimbursement insurance helps to cover the cost of a rental car or alternate transportation if your vehicle ends up in the shop after a claim.
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How to get cheap car insurance in Oklahoma

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FAQs

Is car insurance mandatory in Oklahoma?

Yes. All Oklahoma drivers are legally required to carry the state minimum liability car insurance limits of 25/50/25.

How long do you have to insure a car in Oklahoma?

If you buy a new car in Oklahoma, you will have a grace period of anywhere between 2-30 days to purchase your car insurance policy.
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