Get matched with affordable auto insurance.

Auto Insurance Requirements In Oklahoma

Oklahoma Auto Insurance 

According to the Oklahoma state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Oklahoma law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the state of  Oklahoma

Oklahoma law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • $25,000 bodily injury per person per accident
  • $50,000 bodily injury for all persons per accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured motorist bodily injury

Penalties and Violations

If you are caught driving without insurance in Oklahoma, the fine for a first offense is $250 and a $275 license reinstatement fee. Maximum penalties can also include a 30-day jail sentence.  In addition, under a new law that took effect in 2013, law enforcement officers can seize your license plates and assign you temporary plates and liability insurance, which is effect for 10 days. They also have the option of impounding your vehicle. The cost of the temporary coverage is added to the administrative fee and any fines you must pay to have your plates returned. If your car was impounded, you will also be charged for towing and storage fees.

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Getting the right insurance is just a few steps away.