Insurance Requirements for Car Registration in Oklahoma

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All drivers in the state of Oklahoma are required to carry automotive liability insurance, or “financial responsibility,” on their vehicles in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for Oklahoma drivers are as follow:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $75,000 to cover bodily injury or death, and property damage liability.

Additionally, all insurance providers are required to offer Uninsured Motorist Coverage in their minimum insurance policies. Oklahoma residents however can refuse this coverage.

Oklahoma Automobile Insurance Plan

All authorized insurance providers in Oklahoma have the right to refuse coverage to drivers who are deemed “high-risk.” This means that a driver has been in multiple car accidents within a specific time, or that they have been convicted of many traffic violations in the past.

In order to ensure that all drivers maintain the proper liability insurance, Oklahoma operates the Oklahoma Automobile Insurance Plan, which allows any driver to apply for insurance through participating insurance providers.

Proof of insurance

In order to register your vehicle with the Oklahoma Motor Vehicle Division, you must surrender a proof of insurance document. You must also keep a proof of insurance document in your vehicle because you are required to show it during a traffic stop or at the scene of an accident.

Acceptable forms for proof of insurance must include the following information:

  • The name and address of the insurance provider

  • The insurance provider’s National Association of Insurance Commissioner numbers

  • Your name

  • Your vehicle’s year, make, model, and vehicle identification number

  • The effective and expiration dates of the insurance policy

  • A warning that you are required to both surrender a copy when registering and keep a copy in your vehicle at all times.

  • This statement should be exactly as written: “Examine policy exclusions carefully. This form does not constitute any part of your insurance policy.”

Additionally, Oklahoma maintains an insurance verification system that monitors the insurance status of all registered vehicles. All insurance providers are required to report changes to your insurance policy through this electronic monitoring system, so that your insurance can be verified at any time.

Violation penalties

If you do not carry the legally required financial responsibility in Oklahoma, fail to present proof of insurance when required, or your insurance can not be electronically verified, you could face several penalties. These include:

  • A suspension of your driver’s license

  • A suspension of your vehicle registration

  • A fine of up to $250

  • A sentence of 30 days in jail

For more information, or to renew your vehicle’s registration online, contact the Motor Vehicle Division of the Oklahoma Tax Commission through their website.


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Michael

15 years of experience
518 reviews
Michael
15 years of experience
Mercedes-Benz GL450 - Brake Pads Replacement (Rear) - Atlanta, Georgia
Micheal was punctual and friendly. Work was completed within promised time. Will definitely use again.
Volvo S80 - Brake Pads Replacement (Front) - Roswell, Georgia
Michael was SUPER QUICK with doing my brake and rotors. Great communication throughout the whole process. Will always recommend

Kenneth

19 years of experience
509 reviews
Kenneth
19 years of experience
Toyota Sequoia - Brake Pads Replacement (Front) - Newport Beach, California
Kenneth did a great job and very knowledgeable. He has a great attitude and I will for sure be using him again.

Chuy

13 years of experience
129 reviews
Chuy
13 years of experience
Honda Civic - Brake Pads Replacement (Front, Rear) - Cicero, Illinois
Excellent work on doing the breaks for my car and the break and steering system flush I’ll definitely recommend and take into consideration for chuy’s work whenever I need a fix on my car

Richard

16 years of experience
72 reviews
Richard
16 years of experience
BMW 328i - Brake Pads Replacement (Rear) - Dublin, California
Richard was an outstanding mechanic. After he arrived, the first thing he did after taking the initial pictures of the car is an assessment into what work was asked. He quickly verified that I did not need brake fluid and my front brakes even-though it affects his personal commitments and time, which I think is highly appreciate and thorough professional. He was detailed oriented - took time to make sure that all the issue are fixed. He paid attention to detail in overall car assessment- he goes above and beyond. He was also teaching me through the process which I found highly educational and appreciate him providing the information ensuring and making me comfortable what he was doing and explaining patiently all the questions that was thrown at him. When he works - you know he's highly skilled and experienced and knows his stuff. He is highly experienced. He is a "Master" mechanic in true sense :)

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