Auto Insurance Minimum Requirements
Oklahoma requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Oklahoma is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
Must be offered matching the liability coverage thresholds; rejection must be formally signed.
Alternatives to Insurance
A $75,000 security cash deposit managed directly through the Department of Public Safety.
Fine
Up to $250
License / Registration
Suspension: Yes (30 days)
SR-22 Required After
Yes
What is the minimum car insurance required in Oklahoma?
Oklahoma requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Oklahoma a no-fault state?
No, Oklahoma is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Oklahoma?
Uninsured motorist coverage is not required in Oklahoma, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Oklahoma?
Driving without insurance in Oklahoma can result in fines of Up to $250 and license/registration suspension (Yes (30 days)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Oklahoma?
SR-22 filings are not commonly required in Oklahoma unless specifically ordered by a court.
What does 25/50/25 mean in Oklahoma?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
Service Oklahoma Motor Vehicle Services
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.