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Oklahoma Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Oklahoma. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Oklahoma.

OK Auto Insurance Laws and Regulations:

Oklahoma Department of Insurance
2401 N.W. 23rd Street, Suite 28
Oklahoma City, OK 73107

Minimum Car Insurance Coverage in OK:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$25,000 for damage to property

OK Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


OK Uninsured Penalties:

Up to a $250.00 dollar fine - Up to 30 days in jail - Suspension of your driver's license and vehicle registration

If your auto insurance policy is canceled, you have thirty days to notify the Oklahoma Department of Public Safety of a new policy, with proof of that policy. If you fail to do this then your vehicle registration will be suspended. You must also notify them if you move, if your address is not current and the Department of Public Safety finds out your registration will be suspended.

For further protection the it is recommended that you get an uninsured and underinsured policy, this is not mandatory in Oklahoma, but in spite of the harsh penalties some people may drive their vehicles without auto insurance and these types of policies can help to protect you if you are ever in an accident with someone who does not have insurance.


OK Department of Insurance Contact Information:

1-405-521-2828 or
Toll Free: 1-800-522-0071

OK State Insurance Department Website:





Directory of Oklahoma Auto Insurance Agents by County

Adair
Alfalfa
Atoka
Beaver
Beckham
Blaine
Bryan
Caddo
Canadian
Carter
Cherokee
Choctaw
Cimarron
Cleveland
Coal
Comanche
Cotton
Craig
Creek
Custer
Delaware
Dewey
Ellis
Garfield
Garvin
Grady
Grant
Greer
Harmon
Harper
Haskell
Hughes
Jackson
Jefferson
Johnston
Kay
Kingfisher
Kiowa
Latimer
Le Flore
Lincoln
Logan
Love
Major
Marshall
Mayes
Mcclain
Mccurtain
Mcintosh
Murray
Muskogee
Noble
Nowata
Okfuskee
Oklahoma
Okmulgee
Osage
Ottawa
Pawnee
Payne
Pittsburg
Pontotoc
Pottawatomie
Pushmataha
Roger Mills
Rogers
Seminole
Sequoyah
Stephens
Texas
Tillman
Tulsa
Wagoner
Washington
Washita
Woods
Woodward

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