SR-22 in Oklahoma: What You Need to Know

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  • Is it required?
  • Who needs it?
  • Moving to SR-22 states
  • License suspension implications
  • Cheap insurance
In Oklahoma, after being convicted of a serious driving violation, you’ll need to provide Oklahoma’s Department of Public Safety with proof of your current insurance to have your driver’s license reinstated; however, Oklahoma does not require an SR-22 form to be filed by your insurer on your behalf.
If you’ve been deemed a high-risk driver, your car insurance premiums will go up—but that doesn’t mean your insurance costs need to be unmanageable.
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Oklahoma doesn’t require SR-22 coverage?

Indeed, Oklahoma is one of six states that does not require an SR-22 certificate to reinstate your driver’s license after it’s been revoked or suspended due to a serious traffic offense. You’ll still need to provide proof to Oklahoma’s Department of Public Safety that you meet the state’s minimum liability requirements.
A $300 fee (cash or check) payable to the Department of Public Safety will also be required for reinstatement.
All drivers in Oklahoma are required to carry liability insurance. The state’s mandated minimum insurance requirements are as follows:
  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage coverage per accident
Drivers that don’t meet Oklahoma’s mandated liability requirements can face severe fines and penalties, including having their license revoked.
Key Takeaway If your license is suspended in Oklahoma, you’ll need to provide proof to the state that you meet minimum liability insurance requirements and pay a reinstatement fee before you’re allowed to drive again.

Who needs SR-22 in Oklahoma?

Drivers do not need an SR-22 form in Oklahoma if their license is suspended. Suspensions are likely to occur if you’ve been convicted of the following severe driving violations:
  • DUI or DWI
  • Driving without insurance
  • Being involved in an accident without liability insurance where damage exceeds $300
  • Accumulating ten or more points on your driving record
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Moving to a state requiring an SR-22

If you’ve been convicted of a major driving offense in Oklahoma, but subsequently had your license reinstated, you may need to get SR-22 coverage if you move to a state that requires it following a severe driving conviction.
In such a scenario, you’ll need to find an insurer in your new state that will file an SR-22 form on your behalf, as your Oklahoma insurer won’t do this for you.
Key Takeaway If you’ve been convicted of a serious driving violation in Oklahoma and you’re moving to a new state, make sure you find an insurer in your new state to file an SR-22 form for you.

How a license suspension impacts your insurance in Oklahoma

If your license is suspended or revoked in Oklahoma, your insurance rate will go up significantly when buying coverage upon reinstatement. Your premiums may remain high for an extended period, but improving your driving habits and maintaining a clean driving record will go a long way in decreasing your insurance rate over time.
Even though you’ll be faced with higher premiums upon reinstatement, it’s always a good idea to shop around for insurance to find the best rate.
Key Takeaway Upon your license being reinstated after a major driving violation, be prepared to pay higher rates than you would with standard car insurance.

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