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. SR-22 filing is typically required after DUI convictions, driving without insurance, accumulating 10 or more points within 5 years, or license suspension. The Oklahoma Department of Public Safety mandates continuous SR-22 filing for the full requirement period, and any lapse restarts the clock.
How Much Does Car Insurance Cost in Oklahoma?
High-risk auto insurance rates in Oklahoma vary significantly based on the type and severity of your violation. A single DUI typically increases premiums by 90–150%, while accumulating points from speeding or at-fault accidents raises rates by 20–60% per incident. Non-standard carriers often provide the most competitive rates for drivers with multiple violations or SR-22 requirements.
What Affects Your Rate
- Violation type: DUI increases rates 90–150%, reckless driving 60–90%, at-fault accidents 30–60%, speeding 15–30%
- Current point total: drivers with 6–9 points pay 30–50% more than drivers with 1–3 points
- SR-22 requirement duration: rates typically remain elevated for the full 3-year filing period
- Coverage level: full coverage costs 2.5–3x more than minimum liability for high-risk profiles
- City location: Tulsa and Oklahoma City drivers pay 10–20% more than rural areas due to higher claim frequency
- Credit score impact: Oklahoma allows credit-based insurance scoring, which can add 20–40% to premiums for drivers with poor credit and violations
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Sources
- Oklahoma Department of Public Safety - Driver License Division
- Oklahoma Insurance Department - Consumer Resources
- Oklahoma Statutes Title 47 - Motor Vehicles