Oklahoma Auto Insurance

Oklahoma uses a Tort insurance system — whoever is found at fault for causing an accident has to reimburse the other parties for their material losses and, eventually, take care of their medical expenses.

Minimum insurance requirements

Oklahoma asks its motorists to carry at least a 25/50/25 Liability insurance policy:

• $25,000 in Bodily Injury Liability per passenger, but not more than $50,000 per accident,
• $25,000 in Property Damage Liability.

Average insurance costs

The average insurance premiums in Oklahoma are in line with the national figures — $1,634 per year, a bit cheaper than the country-wide average of $1,678. Insurance costs may go around $2,000 in larger cities: $2,125 in Broken Arrow, $1,932 in Tulsa, $1,809 in Edmond or $1,929 in Moore. You can, however, find cheaper cities to be insured in, like Midwest City with $1,680, Lawton with $1,628, Norman with $1,640, Stillwater with $1,514 or Enid with $1,481.

Use of cellphones when driving

There are no restrictions in Oklahoma on the use of cellphones or text-based communications. Officers are, however, allowed to pull you over if they notice you are being distracted.

Teenage driving regulations

The state of Oklahoma uses a Graduated Driver Licensing (GDL) system, a concept meant to help teenagers drive on public roads while still minimizing high-risk situations. Two major restrictions apply to provisional permit holders:

• they may not drive unaccompanied in the first six months; a licensed driver of legal age must be sitting in the passenger’s seat at all times;
• after the first six months, they must only be accompanied by a licensed driver when operating a car between 11 pm and 5 am.

Penalties for driving uninsured in Oklahoma

The Oklahoma Motor Vehicle section 7-606 states that drivers who do not comply with the Compulsory Insurance Law of Oklahoma will be charged with misdemeanor. Upon conviction, you risk a fine of up to $250 or up to 30 days in prison or both. In addition, the DMV will suspend your driving privileges until all fines and reinstatement fees are paid in full and you produce proof of insurance.