The state of Oklahoma legally requires motorists to carry a minimum amount of insurance that is summarized as 25/50/25. This stands for: $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property liability per accident.

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Continue reading to learn all the information that you need to know about Oklahoma car insurance laws.

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What car insurance is required by law in Oklahoma?

The state requires all motorists in Oklahoma to carry a minimum amount of

liability insurance coverage

Drivers will also be expected to provide valid

proof of insurance

to establish that they are carrying the legal minimum car insurance limits. Keep in mind that anybody who leases or loans their vehicle may be required to have additional types of insurance as well.

Here is a summary of the minimum car insurance limits for Oklahoma.

Oklahoma minimum car insurance

Minimum liability coverage	25/50/25
Bodily injury per person	$25,000
Bodily injury per accident	$50,000
Property damage per accident	$25,000

Key Takeaway Oklahoma motorists must carry the legal minimum liability insurance and proof of insurance when driving.

Liability insurance in OK

Oklahoma drivers must carry both

bodily injury liability

and

property damage liability insurance

. Liability insurance will help cover costs for the other party if you cause an accident—but it won’t go towards your own costs.

You will need to purchase additional insurance to ensure your expenses will be covered.

MORE:

How can I pay less for insurance in Oklahoma when my car isn't worth much?

What are the mandated car insurance limits in Oklahoma?

Oklahoma’s minimum liability insurance limits can be summarized as 25/50/25. This number stands for three different categories of liability insurance.

The following is an explanation of how it all breaks down:

$25,000 of

bodily injury liability coverage

per person: Your insurance company will pay out up to a limit of $25,000 per person for injuries caused by an at-fault accident.

$50,000 of bodily injury liability coverage per accident: Your insurance company will pay out up to a limit of $50,000 to cover the total costs of injuries per accident if you are at fault.

$25,000 in

property damage liability

per accident: $25,000 is the total amount per accident your provider will cover for property damage if you cause an accident.

MORE:

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Should I get more coverage than Oklahoma’s required insurance minimum?

Oklahoma only requires drivers to carry liability insurance—which will never cover your costs if you cause an accident.

If you want to ensure that your car damage is covered, you will want to consider upgrading to full

comprehensive insurance

and

collision insurance

coverage.

While Oklahoma's minimum liability requirements are about average, you might still want to increase your limits for added protection. An accident with multiple injuries or more than one vehicle could easily exceed the required state limits. Experts tend to recommend 50/100/50 limits for more robust protection.

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What is the penalty for not having car insurance in Oklahoma?

Any Oklahoma motorist who is caught driving without proof of insurance could face penalties, including fines and possible jail time.

The penalties for driving without car insurance in Oklahoma

A fine of $250 or more

Possible jail time (up to 30 days)

License plate seizure with $125 administrative fee to restore

Key Takeaway An Oklahoma motorist who is caught driving without insurance could face serious penalties like fines, jail time, or license plate seizure.

Additional coverage options

There are plenty of additional policy options available that Oklahoma drivers can take advantage of to upgrade their minimum required car insurance limits. Here are a few standard policy options that are typically available.

Medical payments (MedPay) insurance

MedPay

protects any medical expenses for you and your passenger that result from an accident—no matter who is found to be at fault.

Collision insurance

will help cover any damage to your car that results from a rollover or collision with another object, like a car or a tree.

Comprehensive insurance

helps cover the cost of damage to your vehicle resulting from external events, like hail storms, tornados, floods, or theft.

Loan/Lease payoff insurance

Often called

gap coverage

—loan/lease payoff insurance will cover the difference between what you owe on your totaled car and the settlement you receive from your insurance company after an accident.

Uninsured/underinsured motorist insurance

will help cover your costs if you get in an accident with an at-fault driver who doesn’t carry enough car insurance.

Roadside assistance insurance

Roadside assistance insurance (often referred to as

towing and labor coverage

) will provide you access to convenient emergency roadside services, like tows, tire changes, or battery boosts.

Rental car reimbursement insurance

Rental reimbursement insurance

helps to cover the cost of a rental car or alternate transportation if your vehicle ends up in the shop after a claim.

MORE:

Can I get same-day auto insurance?

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How to get cheap car insurance in Oklahoma

Using the smart insurance shopping app

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