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. The state operates a point system where accumulating 10 points in 5 years triggers a one-month license suspension. SR-22 filing is required for specific violations including DUI, driving without insurance, and certain license suspensions, but not for standard speeding tickets or minor violations. Most drivers with points from tickets or at-fault accidents face rate increases without SR-22 requirements.
How Much Does Car Insurance Cost in Oklahoma?
High-risk auto insurance rates in Oklahoma vary dramatically by violation type, with DUI convictions increasing premiums 80–150%, at-fault accidents raising rates 40–70%, and speeding tickets adding 20–35% to your base rate. Most drivers with a single speeding ticket or minor violation pay $120–$220/mo for liability coverage, while DUI or SR-22 requirements push rates to $200–$400/mo for full coverage. Rates recover as violations age off your record, typically declining 10–25% annually after year three.
What Affects Your Rate
- Violation type and severity — DUI carries the highest surcharge, followed by uninsured accidents, then at-fault collisions and speeding tickets
- Time since violation — most carriers reduce surcharges by 10–25% annually after year one, with steeper drops after year three
- Number of violations in the lookback period — Oklahoma insurers typically review 3–5 years of history, and multiple violations compound surcharges
- SR-22 filing requirement and duration remaining — rates drop when the 3-year SR-22 period ends and the filing is removed
- Vehicle type and coverage level — full coverage on a financed vehicle costs significantly more than liability-only on an older car for the same driver profile
- ZIP code and claims density — urban areas like Oklahoma City and Tulsa have higher base rates due to accident frequency and theft risk
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Sources
- Oklahoma Department of Public Safety - Driver License Division
- Oklahoma Insurance Department
- Oklahoma Statutes Title 47 - Motor Vehicles