In Oklahoma, after being convicted of a serious driving violation, you’ll need to provide Oklahoma’s Department of Public Safety with proof of your current insurance to have your driver’s license reinstated. Although Oklahoma does not require an SR-22 form, you may need an FR-19 form (which is similar) that is filed by your insurance company and then electronically submitted to the DMV.
If you’ve been deemed a high-risk driver, your car insurance
premiums will go up—but that doesn’t mean your Oklahoma car insurance
costs need to be unmanageable. Here's everything you need to know about SR-22 forms in Oklahoma, from Jerry,
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Oklahoma doesn’t require SR-22 coverage?
Indeed, Oklahoma is one of six states that does not require an SR-22 certificate to get your suspended driver’s license reinstated
due to a serious traffic offense. However, your insurance company might be required to fill out an FR-19 on your behalf. You’ll also need to provide proof to Oklahoma’s Department of Public Safety that you meet the state’s minimum liability requirements.
A $300 fee (cash or check) payable to the Department of Public Safety will also be required for reinstatement.
All drivers in Oklahoma are required to carry liability insurance. The state’s mandated minimum insurance requirements are as follows:
Drivers that don’t meet Oklahoma's car insurance laws
can face severe fines and penalties, including having their license revoked. Key Takeaway If your license is suspended in Oklahoma, you’ll need to provide proof to the state that you meet minimum liability insurance requirements and pay a reinstatement fee before you’re allowed to drive again.
Who needs SR-22 in Oklahoma?
Drivers do not need an SR-22 form in Oklahoma if their license is suspended. They might be required to submit a FR-19 through their insurance company. Suspensions are likely to occur if you’ve been convicted of the following severe driving violations:
Driving without insurance
Being involved in an accident without liability insurance where damage exceeds $300
Accumulating ten or more points on your driving record
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Moving to a state requiring an SR-22
If you’ve been convicted of a major driving offense in Oklahoma, but subsequently had your license reinstated, you may need to get SR-22 coverage if you move to a state that requires it following a severe driving conviction.
In such a scenario, you’ll need to find an insurer in your new state that will file an SR-22 form on your behalf, as your Oklahoma insurer won’t do this for you.
Key Takeaway If you’ve been convicted of a serious driving violation in Oklahoma and you’re moving to a new state, make sure you find an insurer in your new state to file an SR-22 form for you.
How a license suspension impacts your insurance in Oklahoma
If your license is suspended or revoked in Oklahoma, your insurance rate will go up significantly when buying coverage upon reinstatement. Your premiums may remain high for an extended period, but improving your driving habits and maintaining a clean driving record
will go a long way in decreasing your insurance rate over time. Even though you’ll be faced with higher premiums upon reinstatement, it's always a good idea to shop around for insurance to find the best rate.
Key Takeaway Upon your license being reinstated after a major driving violation, be prepared to pay higher rates than you would with standard car insurance.
How to find cheap car insurance with Jerry
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