Oklahoma Auto Insurance Information
Under Oklahoma law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Liability (BIL) insurance, as well as at least $25,000 in Property Damage Liability (PDL) coverage. BIL pays for
medical and other accident-related expenses for the other driver, pedestrian or cyclist when the insured is at
fault, while PDL pays for damage to the other vehicle and other property damage. Neither BIL nor PDL pays any of
the at-fault driver’s expenses. Keep in mind these are the minimum amounts required, and most people should
purchase additional coverage to protect their personal assets in case of a serious accident.
Drivers have the option of purchasing Medical Payments insurance, which pays their medical bills after an auto
Oklahoma does not require drivers to buy uninsured or underinsured motorist coverage, but this is also wise
insurance to purchase in case of a crash involving a driver with no or insufficient car insurance.
While the state does not require collision and comprehensive insurance, lenders will almost certainly mandate
coverage for those with leased or financed vehicles.
SR-22 Insurance in Oklahoma
Oklahoma is one of just a few states that does not require drivers whose licenses have been suspended for serious
traffic violations to file an SR-22 form, a
certificate of financial responsibility, before license restoration.
While there is no requirement for an SR-22 form filing per se, anyone found operating a motor vehicle in the
without insurance must provide the Oklahoma Department of Public Safety (DPS) with proof of current insurance to
have their license reinstated. They are also subject to a reinstatement fee of $300 made payable by cash or
cashier’s check to the DPS. Drivers convicted of serious traffic violations can expect their insurance premiums
Oklahoma Driver Statistics
Nearly 4 million people call the Sooner State home and about 2.5 million of them have driver’s licenses. The
nation’s 20th largest state, Oklahoma has six national state parks, two national forests/grassland and 50 state
parks for the enjoyment of natives and tourists. The “Sooner” state designation comes from the 1889 rush into
Oklahoma territory when the U.S. government opened it up for settlement. Those settlers who entered the state
before the official opening of April 22, 1889, at noon were dubbed “Sooners.”
Major industries in Oklahoma include energy, agriculture, defense contracting, aerospace, information technology,
financial services, bioscience and transportation, and logistics. The state’s largest employers include American
Airlines, Boeing, Goodyear, Hertz, IBM, Siemens, and Xerox.
Top tourist attractions include the Science Museum, Myriad Botanical Gardens, Oklahoma Zoo, and Oklahoma City
Museum of Art in Oklahoma City; the Oklahoma Route 66 Museum in Clinton; Woolaroc Museum and Wildlife Preserve
Bartlesville, and the Sam Noble Oklahoma Museum of Natural History in Norman. Many visitors also stop by the
Oklahoma City National Memorial to remember those killed in the bombing of the Alfred P. Murrah Federal Building
in April 1995.
Oklahoma Auto Insurance & Accident Facts
In 2017, 631 people lost their lives on Oklahoma roadways. Incapacitating injuries were suffered by 2,146
individuals, and there was a total of 71,415 collisions reported. While the majority of fatalities, 136,
on city streets, 115 people were killed on rural state highways and 96 died on rural U.S. highways. Alcohol was
involved in crashes in which 160 people were killed, along with 259 sustaining incapacitating injuries.