SR-22 Insurance in Oklahoma: Cost, Requirements, and Cheapest Companies
SR-22 insurance isn’t a requirement in Oklahoma, but drivers still need to carry the minimum amount of insurance.
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Writer: Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Writer: Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Qualifications:
National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Quick Facts
Oklahoma doesn’t require an SR-22 or a certificate of financial responsibility after an accident or DUI.
The average cost of full-coverage insurance for an Oklahoma driver with an accident on their record is $215 per month, while drivers with DUIs pay $212.
Under Oklahoma law, drivers can be convicted of both DUI and DWI offenses.
SR-22 requirements in Oklahoma
An SR-22 is a certificate of financial responsibility that proves you carry the minimum amount of car insurance your state requires. In most cases, insurance companies file this form with the state’s department of motor vehicles on your behalf.
States typically require SR-22 certificates if you have a suspended license due to an accident, if you were caught driving without insurance, or if you were convicted of driving under the influence (DUI).
Oklahoma is one of eight states that don’t require an SR-22.[1] But all Oklahoma drivers need to meet minimum liability coverage amounts of 25/50/25 under state law. Here’s a closer look at Oklahoma’s requirements:[2]
Coverage Type | Oklahoma Requirement |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 |
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How much is SR-22 insurance in Oklahoma?
Oklahoma doesn’t require SR-22 insurance, but drivers still need to carry minimum liability insurance. If you have a DUI or accident on your record, you’ll likely pay higher premiums than drivers with clean records since insurers see you as a high-risk driver.
The average monthly premiums for Oklahoma drivers with an incident on their record are $98 for liability coverage and $199 for full coverage. Drivers with clean records pay monthly averages of $83 for liability coverage and $169 for full coverage.
Your exact premium will depend on the severity of the violation, your driving history, your car insurance company, and other factors, like your age and location.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $83 | $169 |
| With an incident | $98 | $199 |
| With a DUI | $104 | $212 |
Disclaimer: Table data is based on real-time Oklahoma quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Oklahoma
The cheapest car insurance company for high-risk drivers in Oklahoma is State Farm, according to Insurify data.
See the table below for other affordable Oklahoma insurance companies that may help you save if you have an accident or DUI on your record.
The below rates in Oklahoma are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $48 | $105 |
| USAA | $61 | $131 |
| Progressive | $66 | $110 |
| National General | $80 | $167 |
| The General | $84 | $245 |
| Mercury | $84 | $185 |
| AssuranceAmerica | $90 | $165 |
| Bristol West | $99 | $242 |
| GEICO | $101 | $204 |
| Root | $102 | $167 |
| Safeco | $103 | $208 |
| Farmers | $103 | $223 |
| GAINSCO | $110 | $314 |
| Allstate | $123 | $223 |
| Direct Auto | $127 | $246 |
| Shelter | $150 | $326 |
| Liberty Mutual | $161 | $270 |
| CSAA | $171 | $241 |
Disclaimer: Table data sourced from real-time Oklahoma car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oklahoma may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Oklahoma?
Oklahoma doesn’t require SR-22 insurance forms for any drivers, even people with accidents or DUIs on their records. Drivers only need to maintain the minimum liability coverage required by state law, regardless of their driving record.
If you’re an Oklahoma resident and commit an out-of-state driving offense, you’ll need to look at that state’s insurance laws to determine if you need an SR-22. You might also need an FR-44 for any violations in Florida and Virginia. But you’ll likely only need to meet another state’s requirements if you relocate or visit that state often.
How to get SR-22 insurance in Oklahoma
You won’t need SR-22 insurance in Oklahoma, even if you get into an accident or are convicted of a DUI. But that doesn’t mean a serious offense on your driving record won’t affect your car insurance rates.
Insurers typically consider your driving history to determine your rate.[3] And serious violations will likely flag you as a high-risk driver.
Here are some strategies that can help you find the best car insurance for your situation:
Improve your credit. Oklahoma insurers can legally use your credit info to help price your policy.[4] Improving your credit may offset the risk you present with your less-than-perfect driving record.
Get quotes from several insurance companies. Rates can vary by insurer, but shopping around to compare quotes can help you find the best rate.
Choose a higher deductible. A higher deductible can help lower your rate. Just be sure you can afford to pay it out of pocket if you need to file a claim.
Pay your premium. Once you’ve paid your premium, your coverage will take effect on the policy’s start date.
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How Oklahoma’s point system works
The state of Oklahoma uses a point system to track driver behavior. Too many points (10 in a five-year period) can result in a driver’s license suspension that lasts one to 12 months.
Points can stay on your driving record for one to three years, depending on how many points you have and as long as you go the entire period without additional pointable convictions. You can also have points deducted from your record if you complete an approved defensive driving course.[5]
For DUIs in Oklahoma, your license can be suspended up to 180 days after your first offense or for one year following a second offense. You may also face other penalties, like potential fines, jail time, treatment requirements, and electronic monitoring.[6]
Oklahoma SR-22 insurance FAQs
Check out the additional information below to learn more about SR-22 insurance and coverage for high-risk drivers in Oklahoma.
Does Oklahoma require SR-22 insurance?
No. Oklahoma doesn’t require SR-22 insurance, even for DUI or DWI convictions and other serious moving violations. It’s one of only eight U.S. states that don’t have an SR-22 requirement.
How much does DUI insurance cost in Oklahoma?
The cost of car insurance for Oklahoma drivers with DUIs depends on several factors. But monthly rates in Oklahoma average $104 for liability coverage and $212 for full coverage for these drivers.
What’s the cheapest company in Oklahoma if you have an incident on your record?
The cheapest company for Oklahoma drivers with an incident on their driving record is State Farm, with an average liability-only premium of $48 per month. USAA and Progressive also have lower premiums for people with a driving incident, according to Insurify data.
Sources
- FindLaw. "Auto Insurance Rates and SR-22 Forms After a DUI."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- Oklahoma Insurance Department. "How Are Your Auto and Homeowners Insurance Costs Calculated in Oklahoma?."
- Oklahoma Insurance Department. "How Does Credit History Affect My Insurance Premium?."
- Service Oklahoma. "License Suspensions."
- FindLaw. "What Are the Oklahoma DUI Laws?."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Writer: Aly J. YaleHome and Auto Insurance Writer, Real Estate Expert
Qualifications:
National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.