SR-22 Insurance in Oklahoma
Figures updated
The state fee and filing duration are covered here. You also learn who needs a filing in Oklahoma.
- The state doesn't ask for an SR-22.
- minimum liability limits: 25/50/25.
- 23rd of 51most expensive state (1st = highest)
Rules for SR-22 in Oklahoma
Instead of the SR-22 form, Oklahoma asks for a security verification form. The policy must be an owner or operator policy, and binders aren't accepted.
A conviction in Oklahoma for driving without insurance leads to your license being taken away. This also happens if you're convicted of allowing your vehicle to be driven without insurance or failing to carry a security verification form. The same suspension applies if you forfeit a bond or fail to appear.
| Rule | Oklahoma |
|---|---|
| Form | the security verification form calls for an owner or operator policy, and binders can't substitute. |
| Liability it must prove | 25/50/25 |
Source: Microsoft Word: Bulletin PC 2006-08.doc; View Document: Official Oklahoma Statutes (Unannotated).
How it affects your price
The filing itself is cheap, but the offense behind it raises your insurance rate.
Our state rate guides show that one at-fault accident makes the price about 1.5 times as high.
The average liability cost in Oklahoma is $616. That would mean about $924 each year.
How to get a filing
- Not every company will file it, so ask your insurer to handle the state filing.
- Don't have a car? A policy for non-owners can carry the filing.
- Keep paying for the policy. The state is told about a lapse, which can restart the clock.
It was first written