Oklahoma Car Insurance Laws and Regulations
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Oklahoma Auto Insurance

Requirements of Motorists under OK State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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Oklahoma Car Insurance Requirements

Coverage Minimum - 10/20/10

Coverage Explanation - Car insurance coverage in Oklahoma must provide a minimum of $10,000 for injury liability for one person in an accident, $20,000 for all injuries in an accident, and $10,000 for property damage in an accident.

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Important Oklahoma Auto Insurance Laws!

1. All motorists in OK are required to have a minimum of liability insurance coverage.

2. In accordance with Oklahoma auto insurance law, at the time of a collision or a traffic stop, the driver must show a current security verification form (proof of liability insurance) to the law enforcement officer.

The vehicle owner's insurance company or an individual's non-owner insurance policy will provide the proper security verification form.

3. Motorists must carry proof of liability insurance (security verification form) in their car and must produce it for any law official when asked.

Important to Note:

The Department of Public Safety will suspend the driver license of the uninsured driver and/or owner of a vehicle involved in a collision where there is any injury or property damage of $300 or more.


You should write down the information from the other driver's security verification form and the driver's complete name, driver's license number, and date of birth for driver and owner for your own protection.


Penalties for non-compliance:

A conviction of failure to comply with the Compulsory Insurance Law or failure to produce proof of insurance to a law enforcement officer or Department of Public Safety representative upon request can result in...

  • A fine of up to $250, 30 days in jail, or both
  • Suspension of license and registration

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