Car Insurance in Oklahoma
Car Insurance Liability Requirements in Oklahoma
Minimum Liability Limits in OK: 25/50/25 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
25 Required coverage up to $25,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Oklahoma
Auto Insurance Coverage Requirements in OK [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Oklahoma
Insurer Verification of Auto Insurance in OK [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurer must verify randomly selected insurance policies upon request. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Oklahoma Car Insurance Facts, Estimates & Related Laws
Oklahoma Car Insurance Facts
Average Car Insurance Rates in OK
Oklahoma had the 31st highest auto insurance rates in the nation in 2010.
[ 2] Rates in OK ranked 32nd in the nation in 2009.
[ 2] In 2008, OK had the 35th highest rates in the country.
Number of Auto Insurance Policies in OK
Oklahoma ranked 27th in the nation in auto insurance policies in 2011 with a total of 2,823,487.
Uninsured Motorist Rate in OK
The uninsured motorist rate in OK ranked 3rd in the nation in 2009.
Oklahoma Distracted Driving Laws
Hand-held phone ban? Yes hand-held phone ban in place for learner's permit and intermediate license holders. [ 7]
Texting-while-driving ban? Yes Texting-while-driving ban in place for learner's permit holders, intermediate license holders, school bus drivers and public transit drivers. [ 7]
Young drivers cell phone ban? No
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Oklahoma Automotive Laws
Safety Belt Laws in OK
Safety belt laws have been in place since 1987 and apply to drivers/passengers 13+ years in front seat.
[ 7] Child restraint law in place for 5 years and younger.
Motorcycle Helmet Laws in OK
Motorcycle helmets required for 17 and younger.
Driver's License Renewal Cycle in OK
Renewal cycle: 4 years
Oklahoma Auto & Driver Facts
Oklahoma Automotive Facts
Speed Limits in OK
Rural interstates: 75 mph
[ 7] Urban interstates: 70 mph
[ 7] Other roads: 70 mph
Motor Fuel Consumption in OK
Oklahoma cities collectively ranked 27th in the nation in total motor fuel consumption in 2011.
Oklahoma Licensed Drivers
Licensed Drivers in OK [ 10]
Total Drivers: 2,370,643
OK has the 29th most drivers in the U.S.
Minimum Driving Age in OK [ 5]
Oklahoma has a minimum driving age of 15 years, 6 months.
Oklahoma Auto Registrations
Auto Registrations in OK [ 8]
Registered Cars: 1,522,613
Registered Trucks: 1,770,636
Registered Motorcycles: 127,150
Total Registrations: 3,428,689
Rank: Oklahoma ranked 28th in the United States in total auto registrations in 2011.
Additional information about Oklahoma
Oklahoma has a population of approximately 3,751,351, which ranks 28th in the U.S. among all states.
More about Oklahoma auto insurance
For more information about auto insurance in OK, or for additional resources regarding
Oklahoma car insurance, visit the Oklahoma Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration