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What would it cost to rebuild my home today?
Your home is probably the single largest investment you’ll ever make. By insuring your home, you are helping to protect your investment and your equity. Estimating your home value will help you to make a determination of the amount of insurance you will want to purchase. The primary factors that will determine the cost to […]
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Teen Auto Insurance
When should a teen get insurance? In most states, when a teen has their permit and is learning to drive under supervision in the vehicle, they are automatically covered under their parent’s insurance. However, the day they receive their license (even if it is a graduated driver’s license) and will be driving on their own […]
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As a driver with car insurance, you probably know what it means to be insured versus uninsured—but what does it mean to be underinsured? What happens if you get into a car accident caused by another driver without auto insurance or with not enough coverage? Watch the video below to learn how you can help […]
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General Oklahoma Insurance Guidelines

The State of Oklahoma currently requires that all drivers be covered under liability insurance.
Proof of insurance must always be accessible in the vehicle.

Is There Minimum Liability Coverage in Oklahoma?

The State of Oklahoma minimum liability amounts are as follows:

  • $25,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $25,000 total property damage per accident.

These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

What Is Uninsured/Underinsured Motorist Coverage?

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Oklahoma does not require UM/UIM coverage.

Is Oklahoma A No-Fault Insurance State?

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Oklahoma is not a “No-Fault” state.

What Are SR-22 Requirements for Oklahoma?

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Oklahoma does not require an SR-22 filing for driver’s license reinstatement.