Updated April 2026
Minimum Coverage Requirements in Oklahoma
Oklahoma requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers with DUI convictions, multiple violations, uninsured accidents, or license suspensions typically must file SR-22 proof of insurance with the Oklahoma Department of Public Safety for 3 years. High-risk drivers should carry coverage above state minimums to avoid out-of-pocket costs after an at-fault accident and reduce the risk of policy cancellation.
How Much Does Car Insurance Cost in Oklahoma?
Oklahoma high-risk insurance premiums vary widely based on violation type, SR-22 requirement, driving history, age, vehicle, and carrier. DUI offenders typically pay the highest rates, while drivers with a single at-fault accident or lapse pay less. Non-standard carriers dominate the high-risk market and price policies individually, so quotes can range from $150/mo to over $500/mo for the same driver depending on insurer appetite.
What Affects Your Rate
- Violation type: DUI increases premiums more than a lapse or single at-fault accident
- SR-22 filing requirement and duration remaining
- Number of violations or accidents in the past 3–5 years
- Continuous coverage history: gaps or lapses compound high-risk classification
- Vehicle type and value: full coverage on newer vehicles costs significantly more
- Age and experience: drivers under 25 with violations face the highest premiums
Compare Auto Insurance Rates in Oklahoma
Find Your City in Oklahoma
Sources
- Oklahoma Department of Public Safety - Driver License Division
- Oklahoma Insurance Department - Consumer Resources
- Oklahoma Statutes Title 47 - Motor Vehicles