Oklahoma Car Insurance Requirements
Numbers refreshed
In Oklahoma, every driver must carry minimum coverage. Here's what it pays for.
- $51.Average monthly cost for liability.
- 25/50/25.the lowest liability limits allowed.
- 23rd of 51.states by cost, where 1st is the most expensive.
Requirements in Oklahoma
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $25,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Not required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: Oklahoma Insurance Department, Auto Insurance Common Myths; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the numbers pay for
Oklahoma requires liability of at least 25/50/25. It covers $25,000 for each injured person, $50,000 for everyone injured in a single crash and $25,000 for property damage suffered by other people.
Medical bills and the cost of a newer car often exceed those limits. Many drivers choose 100/300/100 because costs beyond those limits can be claimed from you. The average liability policy in Oklahoma costs $616 a year.
Driving without insurance
You can lose your license and registration if you drive uninsured in Oklahoma. Getting them back may require filing proof of insurance over several years.
Contact Service Oklahoma (driver license suspensions and reinstatements) with any questions. The law, 47 O.S. 7-605, identifies the Department of Public Safety.
Learn more about car insurance in Oklahoma
First written