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Oklahoma Car Insurance Laws: Minimum Coverage, Penalties and SR-22

Oklahoma car insurance law: minimum liability limits, fault or no-fault, uninsured motorist coverage, proof of insurance, penalties for driving uninsured, SR-22, title and registration.

Quick answers for Oklahoma

Minimum coverage required
For policies issued or renewed on or after April 1, 2005, Oklahoma's minimum liability limits are 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. 47 Okla. Stat. §§ 7-600, 7-601
At-fault or no-fault
Oklahoma uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. Alabama Department of Insurance, State Auto Insurance Laws (national table)
Driving without insurance
Failing to comply with the Compulsory Insurance Law is a misdemeanor punishable by a fine of up to $250, up to 30 days in jail, or both, plus suspension of the driving privilege. 47 Okla. Stat. §§ 7-116, 7-605, 7-606
SR-22 filing
After a conviction or bond forfeiture for driving uninsured or not carrying an insurance verification form, the Department of Public Safety suspends the driving privilege until fees are paid and proof of security is furnished. 47 Okla. Stat. § 7-605

Last verified: 2026-10-27

Required coverage

Minimum coverage requiredFor policies issued or renewed on or after April 1, 2005, Oklahoma's minimum liability limits are 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Every owner must keep this security on a registered vehicle.
Source: 47 Okla. Stat. §§ 7-600, 7-601
At-fault or no-faultOklahoma uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Oklahoma among the "Tort States."
Source: Alabama Department of Insurance, State Auto Insurance Laws (national table)
Uninsured motorist coverageMust be offered and is included unless rejected in writing. A liability policy on a vehicle registered or principally garaged in Oklahoma must include uninsured motorist coverage at no less than the minimum bodily injury limits, with higher limits (up to the policy's bodily injury liability limits) offered. The named insured may reject UM coverage in writing; that rejection stays valid for renewals until the insured asks in writing to add it. In Oklahoma, UM coverage includes cases where the at-fault driver's limits are less than the claim (underinsured).
The Oklahoma Insurance Department notes that UM coverage in Oklahoma covers bodily injury only, not property damage.
Source: 36 Okla. Stat. § 3636
Proof of insuranceEvery driver of a vehicle registered in Oklahoma must carry an owner's or operator's security verification form (insurance card) issued by the insurer, or an equivalent Department of Public Safety form. The Insurance Department may approve verification forms in electronic as well as paper format. Oklahoma runs an online insurance verification system, maintained by the Oklahoma Insurance Department, that officers must check during traffic stops and crash investigations; no citation is issued if the system confirms valid coverage.
Source: 47 Okla. Stat. §§ 7-600.2, 7-601.1, 7-602.1

Driving without insurance and SR-22

Driving without insuranceFailing to comply with the Compulsory Insurance Law is a misdemeanor punishable by a fine of up to $250, up to 30 days in jail, or both, plus suspension of the driving privilege. The officer may have the vehicle towed and stored if there is probable cause it is uninsured. The suspension lasts until reinstatement fees are paid and proof of an owner's or operator's policy (not a binder) is filed; failing to surrender the license within 30 days adds a $50 fee. A person who shows the court that coverage was in force at the time is entitled to dismissal. Separately, an uninsured person injured in a crash can generally recover only medical costs, property damage and lost income, not pain and suffering.
Source: 47 Okla. Stat. §§ 7-116, 7-605, 7-606
SR-22 filingAfter a conviction or bond forfeiture for driving uninsured or not carrying an insurance verification form, the Department of Public Safety suspends the driving privilege until fees are paid and proof of security is furnished. For this purpose proof must be an owner's or operator's policy, not a binder. If the person shows coverage was in effect at the time, the suspension is vacated and no certificate of insurance is required.
Source: 47 Okla. Stat. § 7-605

Your rights with insurers

Cancellation and nonrenewalUnder the Insurance Department's rule, unless otherwise provided, insurers must give at least 10 days' notice before cancellation and 20 days' notice before nonrenewal of an insurance policy. Insurers may not cancel, refuse to renew, or raise rates on auto liability or collision coverage because the insured was in a crash in which he or she was not at fault (except after certain homicide, assault or DUI convictions).
The rule copy read is a July 2026 Insurance Department document showing proposed amendments to other subsections; subsection (a) is a general property and casualty rule, not auto-specific. No auto-specific statutory cancellation notice period was found in Title 36.
Source: Okla. Admin. Code 365:15-1-14(a); 36 Okla. Stat. § 941
What insurers can use to set ratesInsurers may use credit information, but under the Use of Credit Information in Personal Insurance Act they may not use an insurance score calculated using income, gender, address, ZIP code, ethnic group, religion, marital status or nationality; may not deny, cancel or nonrenew solely on credit information; and must update credit information at least every 36 months (and on request at annual renewal). Insurers also may not charge more for a not-at-fault crash, may not use prior lower liability limits without actuarial justification, and may not penalize certain speeding tickets for exceeding a lowered speed limit. The Insurance Department says driving record history can only be used for three years.
Insurance Department page: https://www.oid.ok.gov/consumers/insurance-basics/choosing-your-automobile-insurance-policy/ (lists gender, age, territory and credit among factors insurers may use).
Source: 36 Okla. Stat. §§ 941, 944, 953; Oklahoma Insurance Department, Choosing your Automobile Insurance Policy
Total loss rulesIf an insurer pays a claim and the cost to repair the vehicle for safe highway operation exceeds 60% of its fair market value, the title holder must return the title to Service Oklahoma or a licensed operator within 30 days of receiving payment, and a salvage title is issued (stamped "Flood Damaged" or "Recovered Theft" where applicable). A salvage vehicle restored to operating condition needs a rebuilt title after a visual and VIN inspection.
Source: 47 Okla. Stat. § 1111
Complaints about an insurerFile a request for assistance/complaint with the Oklahoma Insurance Department's Consumer Assistance Division using its online complaint forms. Phone 405-521-2828 or toll-free 800-522-0071 (Tulsa office 918-295-3700).
Source: Oklahoma Insurance Department, File an Online Complaint

Title and registration

Transferring a car titleTitles must be applied for within 2 months of getting ownership; buyers must pre-register within 2 business days and display a plate with pre-registration decals within 10 days of the sale. Bring a properly assigned and notarized Oklahoma title (or Form 718 for an electronic title), a valid driver license, Oklahoma insurance verification, lien release if any, purchase price documentation (bill of sale or Form 722-1), and an odometer statement for 2011 or newer vehicles to Service Oklahoma (N Classen) or a licensed operator. Since July 1, 2025, titles are issued electronically by default. For a deceased owner's vehicle, a probated will and letters testamentary, a No Administrator Affidavit (Form 798), or a Small Estate Affidavit (Form 405, estates under $50,000) may be used, with a death certificate.
Registration and inheritance details: https://oklahoma.gov/service/all-services/auto-vehicle/new-used-vehicle-registration.html
Source: Service Oklahoma, Vehicle Titles; New & Used Vehicle Registration
Registering after you moveNew residents must transfer their license to an Oklahoma credential and register their vehicles. Service Oklahoma's military page says there are 30 days after establishing residency to transfer out-of-state vehicle registration to avoid penalties. Vehicles previously titled in another state usually must have a VIN inspection by Service Oklahoma (N Classen) or a licensed operator before an Oklahoma title is issued.
30-day timeline: https://oklahoma.gov/service/popular-services/military.html.
Source: Service Oklahoma, Out-of-State Transfers; Military; Vehicle Titles

Car Insurance & Vehicle Laws FAQ

What is the minimum car insurance required in Oklahoma?
For policies issued or renewed on or after April 1, 2005, Oklahoma's minimum liability limits are 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Every owner must keep this security on a registered vehicle.
Is Oklahoma a no-fault car insurance state?
Oklahoma uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Oklahoma among the "Tort States."
Is uninsured motorist coverage required in Oklahoma?
Must be offered and is included unless rejected in writing. A liability policy on a vehicle registered or principally garaged in Oklahoma must include uninsured motorist coverage at no less than the minimum bodily injury limits, with higher limits (up to the policy's bodily injury liability limits) offered. The named insured may reject UM coverage in writing; that rejection stays valid for renewals until the insured asks in writing to add it. In Oklahoma, UM coverage includes cases where the at-fault driver's limits are less than the claim (underinsured).
Can you show proof of car insurance on your phone in Oklahoma?
Every driver of a vehicle registered in Oklahoma must carry an owner's or operator's security verification form (insurance card) issued by the insurer, or an equivalent Department of Public Safety form. The Insurance Department may approve verification forms in electronic as well as paper format. Oklahoma runs an online insurance verification system, maintained by the Oklahoma Insurance Department, that officers must check during traffic stops and crash investigations; no citation is issued if the system confirms valid coverage.
What is the penalty for driving without insurance in Oklahoma?
Failing to comply with the Compulsory Insurance Law is a misdemeanor punishable by a fine of up to $250, up to 30 days in jail, or both, plus suspension of the driving privilege. The officer may have the vehicle towed and stored if there is probable cause it is uninsured. The suspension lasts until reinstatement fees are paid and proof of an owner's or operator's policy (not a binder) is filed; failing to surrender the license within 30 days adds a $50 fee. A person who shows the court that coverage was in force at the time is entitled to dismissal. Separately, an uninsured person injured in a crash can generally recover only medical costs, property damage and lost income, not pain and suffering.
When do you need an SR-22 in Oklahoma, and for how long?
After a conviction or bond forfeiture for driving uninsured or not carrying an insurance verification form, the Department of Public Safety suspends the driving privilege until fees are paid and proof of security is furnished. For this purpose proof must be an owner's or operator's policy, not a binder. If the person shows coverage was in effect at the time, the suspension is vacated and no certificate of insurance is required.
How much notice must an insurer give before canceling car insurance in Oklahoma?
Under the Insurance Department's rule, unless otherwise provided, insurers must give at least 10 days' notice before cancellation and 20 days' notice before nonrenewal of an insurance policy. Insurers may not cancel, refuse to renew, or raise rates on auto liability or collision coverage because the insured was in a crash in which he or she was not at fault (except after certain homicide, assault or DUI convictions).
Can car insurance companies use your credit score in Oklahoma?
Insurers may use credit information, but under the Use of Credit Information in Personal Insurance Act they may not use an insurance score calculated using income, gender, address, ZIP code, ethnic group, religion, marital status or nationality; may not deny, cancel or nonrenew solely on credit information; and must update credit information at least every 36 months (and on request at annual renewal). Insurers also may not charge more for a not-at-fault crash, may not use prior lower liability limits without actuarial justification, and may not penalize certain speeding tickets for exceeding a lowered speed limit. The Insurance Department says driving record history can only be used for three years.
When is a car a total loss in Oklahoma?
If an insurer pays a claim and the cost to repair the vehicle for safe highway operation exceeds 60% of its fair market value, the title holder must return the title to Service Oklahoma or a licensed operator within 30 days of receiving payment, and a salvage title is issued (stamped "Flood Damaged" or "Recovered Theft" where applicable). A salvage vehicle restored to operating condition needs a rebuilt title after a visual and VIN inspection.
How do you transfer a car title in Oklahoma?
Titles must be applied for within 2 months of getting ownership; buyers must pre-register within 2 business days and display a plate with pre-registration decals within 10 days of the sale. Bring a properly assigned and notarized Oklahoma title (or Form 718 for an electronic title), a valid driver license, Oklahoma insurance verification, lien release if any, purchase price documentation (bill of sale or Form 722-1), and an odometer statement for 2011 or newer vehicles to Service Oklahoma (N Classen) or a licensed operator. Since July 1, 2025, titles are issued electronically by default. For a deceased owner's vehicle, a probated will and letters testamentary, a No Administrator Affidavit (Form 798), or a Small Estate Affidavit (Form 405, estates under $50,000) may be used, with a death certificate.
How long do you have to register your car after moving to Oklahoma?
New residents must transfer their license to an Oklahoma credential and register their vehicles. Service Oklahoma's military page says there are 30 days after establishing residency to transfer out-of-state vehicle registration to avoid penalties. Vehicles previously titled in another state usually must have a VIN inspection by Service Oklahoma (N Classen) or a licensed operator before an Oklahoma title is issued.
How do you file a complaint against a car insurance company in Oklahoma?
File a request for assistance/complaint with the Oklahoma Insurance Department's Consumer Assistance Division using its online complaint forms. Phone 405-521-2828 or toll-free 800-522-0071 (Tulsa office 918-295-3700).

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General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.