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
$250–$500
License / Registration
Suspension: Yes
SR-22 Required After
No
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 $250–$500 and license/registration suspension.
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.
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Official Source
Service Oklahoma Motor Vehicle Services
More Oklahoma Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Service Oklahoma Motor Vehicle Services publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.