Minimum Car Insurance in Oklahoma
The liability limits Oklahoma requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: 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
| 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. Every owner must keep this security on a registered vehicle. Source: 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. The Alabama Department of Insurance's national table of state auto insurance laws lists Oklahoma among the "Tort States." |
| Uninsured motorist coverage | 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). The Oklahoma Insurance Department notes that UM coverage in Oklahoma covers bodily injury only, not property damage. Source: 36 Okla. Stat. § 3636 |
More Oklahoma car insurance & vehicle laws
- Driving Without Insurance in Oklahoma
- SR-22 Insurance in Oklahoma
- When a Car Is a Total Loss in Oklahoma
- Transferring a Car Title in Oklahoma
- All Oklahoma car insurance & vehicle laws rules
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).
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.