Last updated: June 2023
Whether your idea of fun is taking a weekend trip to explore Salt Plains State Park or exploring downtown Oklahoma City ahead of a Thunder game, affordable auto insurance coverage can help protect you, your family, and your vehicle on the way to your adventure destination.
Direct Auto Insurance is proud to offer car insurance in Oklahoma, and in this guide, we're teaching you which coverages are mandatory, which ones are optional, and how Direct Auto can help you find cheap Oklahoma car insurance. Get a free quote to see how much money you can save with Direct.
Oklahoma Car Insurance Laws
Do you have to have car insurance in Oklahoma?
Oklahoma law requires all drivers to maintain continuous liability insurance for any vehicle they have registered in the state. Oklahoma auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Oklahoma are 25/50/25, as shown below under Oklahoma Minimum Car Insurance Requirements.
Oklahoma Minimum Car Insurance Requirements
Wondering what your insurance policy needs to make you street legal in Oklahoma? Here's a quick breakdown by coverage type.
Is It Required by Law?
Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).
Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.
Property Damage Liability Coverage helps pay to repair or replace other people's property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.
Yes. $25,000 property damage per accident.
Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can't be identified due to hit and run.
Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.
Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.
Comprehensive Coverage helps pay to repair or replace your vehicle if it's damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.
IMPORTANT NOTE: While purchasing liability-only coverage ensures you follow Oklahoma's laws, it doesn't necessarily protect you and your vehicle in every circumstance. You would need to add additional coverage, like comprehensive and collision, and consider raising your liability limits to more fully protect yourself following an accident.
1Your lender may require these coverages if you lease or finance your vehicle.
Are there additional coverage options?
For added peace of mind, Direct offers additional insurance coverages and products for Oklahoma drivers.
- Roadside Assistance
- Emergency Protection Plan (EPP)
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Oklahoma Proof of Financial Responsibility and Penalties
What if I don't meet Oklahoma's minimum car insurance requirements?
Under Oklahoma law, you must provide documentary proof of Financial Responsibility in the following circumstances:
- At the request of a law enforcement officer at the time of an accident or traffic stop
- When registering a vehicle or renewing registration
- When obtaining a driver's license
To ensure drivers continue to meet the Financial Responsibility requirements, Oklahoma requires insurance companies to notify the Department of Public Safety if the person's insurance is canceled within 180 days from the beginning date of a new policy. The Department of Public Safety will then contact the person or the owner of the canceled policy for proof of insurance at your address on file giving thirty (30) days to contact the Department of Public Safety and verify that you have valid insurance coverage.
All insurers writing automobile liability coverage in Oklahoma are required to report to the Department of Public Safety whether a vehicle is in compliance with Oklahoma's compulsory liability insurance law via an online insurance verification system.
Penalty for Failure to Comply with Oklahoma's Financial Responsibility Requirements:
Failure to maintain proper insurance could lead to the suspension of your license and vehicle registration. You may face a fine of up to $350, thirty (30) days in jail, or both.
Affidavit of Non-Use:
You may file an Affidavit of Non-Use, available from the Oklahoma Tax Commission, for a vehicle that will not be used on public roads for a period of time, in lieu of maintaining insurance on the vehicle.
Penalties for Driving with a Suspended License in Oklahoma
It's illegal to operate a vehicle without a valid driver's license in Oklahoma. The exact penalty for driving without a license or driving with a suspended or revoked license in Oklahoma depends on a few factors, although it generally involves fines, jail time, or both. It's also worth noting the penalties increase for subsequent offenses
SR-22 Insurance in Oklahoma
In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state's minimum coverage requirements. Oklahoma doesn't require SR-22 filings, but if you ever move to a new state, you might be required to file one if you've:
- Been caught not maintaining proper liability coverage.
- Been convicted of a DUI/DWI.
- Committed other serious driving violations.
If you have questions about SR-22 filings, we'd be happy to help. Direct Auto specializes in helping drivers find affordable car insurance coverage, regardless of their driving or insurance history. Give us a call today.
High-Risk Auto Insurance in Oklahoma
Most individuals don't have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to avoid these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.
At Direct Auto, we're proud to offer non-standard coverage to Oklahoma drivers. We believe your driving history shouldn't define you forever, and we work hard to help you get quality, affordable coverage, regardless of your past.
Where can I find the cheapest car insurance rates in Oklahoma?
Car insurance costs vary depending on a number of factors, including:
- The amount & type of coverage you choose
- The year, make, and model of the vehicle you drive
- How much you drive, where you drive, and where you live
- Your demographics
- Your driving record
- Your credit history
The good news is that companies like Direct Auto Insurance can provide Oklahoma drivers with non-standard auto insurance, meaning you can find an affordable rate that fits your budget even if you're considered a high-risk driver.
Start by getting a free Oklahoma car insurance quote, then work with a Direct Auto representative to create a coverage plan that meets your state's requirements and your own needs. We'll work hard to make sure you get all the discounts you're entitled to receive so your premium is the lowest price possible.
Oklahoma Regional Auto Insurance
Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, some cities have busy traffic and others offer quiet streets with far fewer accidents. But no matter what city you call home in Oklahoma, we're here to help you get covered.
Other Oklahoma Auto Insurance Resources
- Oklahoma Insurance Department
- Oklahoma Department of Public Safety
- Official State of Oklahoma Website
Find Cheap Car Insurance in Oklahoma with Direct Auto!
Call or click to get an Oklahoma car insurance quote from Direct Auto! We always offer affordable coverage options, and we work hard to get you the cheapest car insurance in Oklahoma so you can keep driving to new adventures.