Oklahoma's Compulsory Insurance Law requires liability coverage of at least:
| Coverage | Oklahoma minimum | What it pays for |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Injuries you cause to others |
| Property damage liability | $25,000 per accident | Damage you cause to others' vehicles and property |
That's the familiar 25/50/25. Unlike Kansas, Oklahoma doesn't require personal injury protection, and unlike Missouri and Kansas, it doesn't require uninsured motorist coverage.
Oklahoma requires insurance companies to offer uninsured and underinsured motorist coverage. If you don't want it, you have to reject it in writing. We recommend keeping it. If a driver with no insurance, or only the 25/50/25 minimum, injures you, UM/UIM is what pays for your medical bills, lost wages and pain and suffering beyond what they can cover. It's usually a modest part of the premium. How UM and UIM work.
Oklahoma uses a traditional fault-based system: the driver who causes the accident, and their insurer, is responsible for the damages. There's no no-fault PIP like Kansas. If you're hurt and the other driver is at fault, you claim against their liability coverage, then your own UIM if theirs runs out. Medical payments coverage is an inexpensive option that pays smaller medical bills quickly regardless of fault.
Carry proof of insurance in the vehicle and be ready to show it to law enforcement and when you register a vehicle. Oklahoma also verifies insurance electronically.
Under Oklahoma law (47 O.S. § 7-606), failing to comply with the Compulsory Insurance Law is a misdemeanor punishable by a fine of up to $250, up to 30 days in jail, or both, and your driving privilege can be suspended. If Oklahoma requires an SR-22 to reinstate, see SR-22 insurance and moving with an SR-22.
Miami, Commerce and Quapaw residents who drive into Joplin need a policy written for Oklahoma, where the car is kept. We're licensed in Oklahoma and write these from our Joplin office. Boating at Grand Lake? See Grand Lake boat insurance. Compare with Missouri's requirements and Kansas's.
Oklahoma Statutes, 47 O.S. § 7-606 (Compulsory Insurance Law penalties)
25/50/25 liability: $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage.
Insurers must offer it, and you can reject it only in writing. We recommend keeping it.
No. Oklahoma is an at-fault state. The driver who causes the accident is responsible for the damages.
A fine of up to $250, up to 30 days in jail, or both, plus possible suspension of your driving privilege.
Yes. We're licensed in Oklahoma and write policies for Oklahoma residents.
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