Oklahoma Car Insurance Laws and Requirements (2023)

Oklahoma law dictates the minimum requirements for insurance coverage that all drivers must carry. All drivers in Oklahoma must hold 25/50/25 in bodily injury per person bodily injury per accident, and property damage. Additionally, drivers can pick from a long list of additional coverages for added protection.

Minimum Car Insurance Requirements in Oklahoma

The minimum car insurance requirements in Oklahoma^[1] are:

• $25,000 for bodily injury liability per person

• $50,000 for bodily injury liability per accident

• $25,000 for property damage liability per accident

• $25,000 for uninsured motorist bodily injury coverage per person

• $50,000 for uninsured motorist bodily injury coverage per accident

Oklahoma is an at-fault or tort state. This means that the driver who caused the accident must cover all the medical bills and property damage. They may do so through their insurance company or out of pocket. In addition, the Sooner State is a comparative negligence state, so the amount you recover will depend on how much you’re at fault for the accident.

Bodily Injury Liability

Bodily injury liability is part of your liability car insurance coverage. If you cause an accident, this coverage will help cover the other party’s medical expenses. This type of coverage will not cover your own medical expenses for injuries sustained in a car accident you caused. Bodily injury liability coverage is required in Oklahoma.

Property Damage Liability

Property damage liability is the other half of your liability car insurance. It covers repair costs and damage expenses to the other cars involved in an accident you caused. This coverage does not cover damage to your own car in an accident you were at fault for. Property damage liability coverage is required in Oklahoma.

Personal Injury Protection

Personal injury protection, also known as PIP, covers medical bills, lost wages, and replacement services for you and other members of your household if you’re injured in a car accident. PIP provides coverage regardless of who is at fault for an accident. Personal injury protection is not required in Oklahoma.

Uninsured/Underinsured Motorist Coverage

If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage will cover your medical expenses. If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will cover the rest of your medical expenses. Uninsured/underinsured motorist coverage is required in Oklahoma.

Is state minimum car insurance enough in Oklahoma?

The minimum required car insurance coverage in Oklahoma provides drivers with a solid foundation of auto insurance coverage, but it may not be enough for everyone. This relatively small amount may not cover all the damages after a catastrophic accident and could leave you with high out-of-pocket costs. Investing in additional coverage can give you some peace of mind.

Optional Car Insurance Coverage for Oklahoma

Oklahoma drivers who want to be protected in any situation should consider bolstering the minimum car insurance coverage with the following supplemental car insurance coverages:

Collision Coverage

Collision coverage covers damages to your car after a collision with another vehicle or object. If your vehicle is a total loss, collision coverage will reimburse you for the actual cash value of your vehicle. This is a great addition to the required property damage liability coverage in Oklahoma, which applies only to the damages to the other driver’s vehicle.

Comprehensive Coverage

Complementing your collision coverage, comprehensive insurance covers damage to your vehicle that occurs during an event that is not a collision with another vehicle or object. This may apply in situations of vandalism, theft, weather damage, or a run-in with an animal. Adding comprehensive and collision coverage together creates a full-coverage car insurance policy.

Other Supplemental Coverage

Medical payments coverage, or MedPay, can cover the medical costs for you and your passengers after a car accident, even if you’re at fault. In addition to medical costs, it will pay for funeral expenses after a fatal wreck.

Rental car reimbursement can come in handy if you need a rental car while your vehicle is being repaired after a covered accident. There’s also roadside assistance, which includes emergency services like towing, changing a flat tire, fuel delivery, battery jump-starts, and locksmith services.

Penalties for Driving Uninsured in Oklahoma

It is illegal to drive in Oklahoma without the minimum car insurance coverage^[2].

• Fines: You may be on the hook for up to $250.

• Jail time: You might have to spend up to 30 days in jail.

• License and registration suspension: This may last for up to one year.

• Reinstatement requirements: You’ll need to pay a reinstatement fee and other fees.

Minimum Requirements for High-Risk Drivers in Oklahoma

Oklahoma is one of the few states that don’t require you to file an SR-22 after a license suspension for driving under the influence (DUI). However, getting arrested for a DUI in the state is still a big deal. You’ll need to request an Administrative Hearing within 15 days. If you fail to do so, your driving privileges will be automatically revoked.

Also, if you’re convicted of a DUI, you may face a variety of criminal penalties. These might include fines, jail time, and a license suspension. You may also have to participate in compulsory alcohol education and community service. The installation of an ignition interlock device is another potential consequence.

More Information for High-Risk Drivers in Oklahoma

DUI Insurance in Oklahoma

Cheapest Minimum Car Insurance in Oklahoma

Car insurance companies weigh different factors to determine what to quote drivers on their car insurance policies. Minimum coverage generally means lower car insurance rates. It also means low coverage limits, which may cost you if you’re ever involved in an accident. Here are the cheapest car insurance quotes for minimum coverage in Oklahoma.

How to Find Cheap Car Insurance in Oklahoma

If you’re searching for cheap car insurance in Oklahoma, you owe it to yourself to shop around and compare car insurance quotes with Insurify. By doing so, you can explore the various coverage options and premiums available to you and choose the ideal insurance policy for your unique budget and needs.