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Required car insurance in Oklahoma
Oklahoma requires only one type of auto insurance: Liability. But many drivers need more coverage in case there's an accident. Here's a look at what's available so you can make the right insurance purchase.
Minimum liability insurance:
Liability car insurance is important coverage because it pays others if you cause damage and injuries. If you cause a large crash, you can be sued for damage and medical bills if you don't have enough insurance. In Oklahoma you must have liability limits of at least:
- $25,000 bodily injury per person.
- $50,000 bodily injury per accident.
- $25,000 property damage per accident.
This is often written as 25/50/25.
Minimum uninsured/underinsured motorist (UM/UIM) coverage:
- Oklahoma car insurance companies must offer you UM/UIM coverage but you can reject it in writing. If you buy it, the minimum coverage is $25,000 per person/$50,000 per accident (called 25/50). This coverage pays your medical bills, up to the limits, if you're hit by a driver with little or no liability insurance.
Other auto insurance
Medical payments (MedPay): For medical or funeral expenses for you and your passengers from a crash, no matter who was at fault.
Comprehensive coverage: For theft of your vehicle or damage caused by hail, flood, fire, vandalism, falling objects, explosions and hitting an animal.
Collision coverage: For damage to your vehicle caused by hitting another car or an object, like a tree.
Rental reimbursement: For a rental car if your vehicle is being repaired due to an accident.
You must show an insurance ID card (or other proof of financial responsibility) when:
- Law enforcement requests it
- You renew vehicle registration.
Penalty for not having car insurance in Oklahoma
Failure to comply with Oklahoma's compulsory insurance law or failure to show a security verification form is a misdemeanor. This is punishable by a fine of not more than $250 and/or no more than 30 days in jail. There is suspension of driving privileges until payment of a reinstatement fee and proof of security is furnished. If you can comply with state law through the online verification system, there's no violation and no citation issued.
Source: Property Casualty Insurers Association of America
Complaints about auto insurance companies
A "complaint ratio" is meant to show the number of complaints nationally against a company relative to the insurer's size. Here are ratios for the largest auto insurance companies in Oklahoma.
Updated Aug. 13, 2018
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