Car insurance · Oklahoma
Car insurance requirements in Oklahoma
Liability minimum 25/50/25. Claims system: fault-based claims.
Verified summaryAll Oklahoma insurance topics
Requirements
Minimum car insurance requirements in Oklahoma
| Coverage | Requirement in Oklahoma |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 for injuries to two or more people |
| Property damage liability | $25,000 for property damage |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Not mandatory. Insurers must offer uninsured motorist coverage when you buy auto insurance |
What the law requires you to carry
- Bodily injury: $25,000 maximum for any one person and $50,000 for two or more people
- Property damage: $25,000
Uninsured drivers
Uninsured motorist coverage in Oklahoma
Not mandatory. Insurers must offer uninsured motorist coverage when you buy auto insurance.
- The Insurance Department explains that uninsured motorist coverage is not mandatory, but insurance companies must offer it. You can buy the minimum limits of 25,000/50,000, or up to the limits of your policy.
- Oversight of the online insurance verification system and the Uninsured Vehicle Enforcement Program moved from the Department of Public Safety to the Insurance Department in 2017.
- If an uninsured motorist damages your car, repairs would be paid under your collision coverage. If you carry liability only, no coverage is available to repair your car.
Optional coverage
Coverage you can add in Oklahoma
- Uninsured/underinsured motorist (insurers must offer it)
- Collision
- Comprehensive
- Medical payments
Penalties
Penalties for driving without insurance in Oklahoma
Oklahoma enforces its Compulsory Insurance Law in part through the Uninsured Vehicle Enforcement Diversion Program, created by statute (47 O.S. section 7-606.2). Owners of vehicles identified as uninsured receive a notice and can resolve it through the program, which does not affect the permanent driving record. A roadside ticket carries a larger fine and possible additional fees, according to the program's notice. Fee amounts are printed on the notice.
Good to know
Other things to know in Oklahoma
- The Insurance Department's FAQ points to the Department of Public Safety for compulsory insurance compliance questions: 405-425-2424.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Oklahoma
- Oklahoma Insurance Department
- Website: oid.ok.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Oklahoma.
Home insurance resources and the health marketplace for Oklahoma are on its overview page.