Oklahoma Car Insurance Requirements (2025)

In Oklahoma, here’s the two minimum car insurance requirements included:

• Liability insurance: Oklahoma requires drivers to have liability insurance that covers at least $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people, and $25,000 for property damage.
• Uninsured motorist coverage: Oklahoma also requires drivers to have uninsured motorist coverage that provides at least $25,000 per person and $50,000 per accident for bodily injury.

It’s important to note that these are only the minimum requirements, and drivers may choose to purchase additional coverage for added protection.

In Oklahoma, drivers are required by law to have liability insurance and uninsured motorist coverage. Liability insurance provides coverage if you are found to be at fault for an accident and you are responsible for any injuries or damages that result. Uninsured motorist coverage provides protection in the event that you are involved in an accident with a driver who doesn’t have insurance.

Liability insurance is further broken down into two types:

• Bodily injury liability: This covers the costs associated with injuries or death that you may cause to another person in an accident.
• Property damage liability: This covers the costs associated with damage that you may cause to another person’s property in an accident.

Oklahoma law requires drivers to have a minimum amount of liability insurance coverage, which is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.

Uninsured motorist coverage provides protection if you are involved in an accident with a driver who doesn’t have insurance. This coverage is required by law in Oklahoma and must provide at least $25,000 per person and $50,000 per accident for bodily injury.

If you fail to meet Oklahoma’s car insurance requirements, there can be serious consequences. Here are the four factors:

• Fines: If you are caught driving without insurance, you may be fined. The amount of the fine can vary depending on the circumstances of your case.
• License suspension: Your driver’s license may be suspended if you are caught driving without insurance. This means you will not be able to legally drive until you can provide proof of insurance.
• Legal penalties: If you cause an accident and do not have insurance, you may be held financially responsible for any damages or injuries that result. You may also be sued by the other driver or their insurance company to recover the costs of the accident.
• Higher insurance rates: If you are caught driving without insurance, you may have a harder time getting insurance in the future. When you do get insurance, you can expect to pay higher rates than someone with a clean driving record who has maintained continuous insurance coverage.

In summary, the consequences of not meeting Oklahoma’s car insurance requirements can be severe and can have a lasting impact on your ability to drive and your finances. It is important to maintain the required insurance coverage to protect yourself and others on the road.

• If you are a non-resident driver in Oklahoma, you can legally drive with out-of-state car insurance, as long as it meets the minimum coverage requirements in Oklahoma. However, if you are a resident of Oklahoma, you are required to have car insurance that meets the state’s minimum requirements, even if you have an out-of-state policy.
• If you are moving to Oklahoma and plan to register your vehicle in the state, you will need to obtain an Oklahoma car insurance policy that meets the state’s minimum requirements. It’s important to note that some insurance companies may require you to switch to an Oklahoma policy if you become a resident of the state. Additionally, if you plan to drive in Oklahoma with out-of-state insurance, it’s a good idea to carry proof of insurance with you at all times, as law enforcement officers may ask to see it during routine traffic stops.

If you have a complaint about your car insurance company in Oklahoma, you can file a complaint with the Oklahoma Insurance Department in three ways:

• Online: You can file a complaint online through the Oklahoma Insurance Department’s website. Simply visit the department’s website and select “Consumer Assistance” from the menu. Then, select “File a Complaint” and follow the instructions.
• Mail: You can also file a complaint by mail. Download and fill out the complaint form from the Oklahoma Insurance Department’s website and mail it to:

Oklahoma Insurance Department Consumer Assistance/Claims Division Five Corporate Plaza 3625 NW 56th St, Suite 100 Oklahoma City, OK 73112

• Phone: You can also file a complaint by phone by calling the Oklahoma Insurance Department’s Consumer Assistance/Claims Division at (800) 522-0071 or (405) 521-2991.

When filing a complaint, be sure to provide as much detail as possible about the issue you are experiencing, including the name of your insurance company, policy number, and any relevant dates or incidents. The Oklahoma Insurance Department will review your complaint and work with you and your insurance company to try to resolve the issue.