Oklahoma Car Insurance Requirements

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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.

   More: Cheap car insurance in Oklahoma

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.

Oklahoma auto insurance complaints

Updated Aug. 13, 2018

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