Oklahoma Car Insurance Guide
Whether your idea of fun is taking a weekend trip to explore Salt Plains State Park or exploring downtown Oklahoma City ahead of a Thunder game, affordable auto insurance coverage can help protect you, your family, and your vehicle on the way to your adventure. Learn which coverages are mandatory, which are optional, and how EagleWay Auto Insurance can be your cheap Oklahoma car insurance solution. Get a free quote to see how much you can save.
Do You Have to Have Car Insurance in Oklahoma?
Oklahoma law requires all drivers to maintain continuous liability insurance for any vehicle they have registered in the state. Policies must at least meet the state’s minimum liability coverage limits.
Oklahoma Minimum Car Insurance Requirements
| Coverage Type | Required by Law | Limits |
|---|---|---|
| Bodily Injury Liability – Pays for medical expenses and legal costs if you injure someone in an accident. | Yes | $25,000 per person / $50,000 per accident |
| Property Damage Liability – Pays to repair or replace other people’s property damaged in an accident. | Yes | $25,000 per accident |
| Uninsured/Underinsured Motorist (UM/UIM) – Pays for medical bills if the other driver lacks coverage. | Not required | – |
| Medical Payments Coverage (Med Pay) – Pays for medical expenses regardless of fault. | Not required | – |
| Collision – Pays to repair or replace your vehicle after a collision. | Not required¹ | – |
| Comprehensive – Pays for non-collision damages like fire, vandalism, flood, or animal impact. | Not required¹ | – |
¹May be required by lenders if the vehicle is leased or financed.
Important: Liability-only coverage meets Oklahoma law but does not fully protect you or your vehicle. Additional coverage, like comprehensive and collision, and higher liability limits are recommended.
Additional Coverage Options
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Proof of Financial Responsibility and Penalties
Oklahoma drivers must provide proof of insurance when requested by law enforcement, during registration, or when obtaining a driver’s license. Failure to comply can lead to license and registration suspension, fines up to $350, and up to 30 days in jail.
Vehicles not used on public roads may file an Affidavit of Non-Use as an alternative to maintaining insurance.
Penalties for Driving with a Suspended License
Operating a vehicle without a valid license or with a suspended/revoked license can result in fines, jail time, and increased penalties for subsequent offenses.
SR-22 Insurance in Oklahoma
Oklahoma does not require SR-22 filings, but if you move to another state, you may need one if you have:
- Been caught without proper liability coverage
- Been convicted of a DUI/DWI
- Committed other serious driving violations
EagleWay Auto Insurance can help drivers with SR-22 requirements and finding affordable coverage regardless of history.
High-Risk Auto Insurance
Drivers with violations or a poor driving record may be considered high-risk. Non-standard insurance is often available to provide financial protection. EagleWay Auto Insurance works to provide quality, affordable coverage for every driver.
Finding the Cheapest Car Insurance Rates in Oklahoma
Rates depend on:
- Coverage type and limits
- Vehicle year, make, and model
- Driving habits, location, and distance driven
- Demographics, driving record, and credit history
EagleWay Auto Insurance helps drivers, even high-risk ones, find affordable coverage. Get a free quote online or work with an agent to create a plan that meets your needs and maximizes discounts.