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Oklahoma Minimum Car Insurance and Penalties for Driving Without It
The short answer
Oklahoma requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
Oklahoma at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | No other coverage is required besides liability. Uninsured motorist coverage is included in every policy unless you reject it in writing. |
| First offense for driving uninsured | Driving without insurance is a misdemeanor with a fine of up to $250, up to 30 days in jail, or both; an owner who drives a vehicle covered by a non-driving affidavit faces up to $500. The officer can tow the vehicle if there is probable cause it is uninsured. On conviction, your driving privilege is suspended until you pay the reinstatement fees and show proof of insurance. |
| Repeat offense | Not confirmed on a state source; ask the agency |
| Fee to restore after a lapse | A $75 processing fee and a $200 trauma-care fee, plus a $25 reinstatement fee. An extra $50 applies if the license is not surrendered within 30 days of notice. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Oklahoma?
Oklahoma requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).
What happens if you drive without insurance in Oklahoma?
Driving without insurance is a misdemeanor with a fine of up to $250, up to 30 days in jail, or both; an owner who drives a vehicle covered by a non-driving affidavit faces up to $500. The officer can tow the vehicle if there is probable cause it is uninsured. On conviction, your driving privilege is suspended until you pay the reinstatement fees and show proof of insurance.
Sources
- oklahoma.gov/vsfr.pdf
- www.oid.ok.gov/auto-insurance-common-myths
- www.oklegislature.gov/os47.pdf
- oklahoma.gov/BB6-C%20Compliance%20Form%2011-23-22.pdf
- www.oscn.net/DeliverDocument.asp
- www.oscn.net/DeliverDocument.asp
- www.oscn.net/DeliverDocument.asp
- www.oscn.net/DeliverDocument.asp
- www.oscn.net/DeliverDocument.asp
- www.oscn.net/Index.asp