Oklahoma requires every driver to have a minimum amount of liability coverage. If the state catches you driving without car insurance, it may grant you a temporary policy. If you don't buy a new policy within 10 days, you could be on the hook for up to $825 in fees, license suspension and even jail time. Plus, the state may impound your vehicle.
How much car insurance do I need in Oklahoma?
If you don't have insurance, Oklahoma's Department of Public Safety can find out in two ways. Officers may ask for proof of insurance during traffic stops and at the scene of an accident, and the state maintains a database that tracks insurance policies for each registered car.
The state requires that you have at least the following minimum liability coverage limits:
- $25,000 for bodily injuries per person
- $50,000 for bodily injuries per accident
- $25,000 for property damage
Penalties for driving uninsured in Oklahoma
In Oklahoma, driving without insurance is considered a misdemeanor. All drivers are required to have the minimum amount of coverage and carry proof with them while driving. If you don't have your insurance ID card or you allowed your coverage to lapse, you'll face steep penalties. And if you're convicted of driving without insurance during an accident, you may have to cover any resulting medical bills and property damage costs.
Type of penalty
Driving without insurance in an accident
Driving without insurance at a checkpoint
|Up to $250||Up to $250|
|Not more than 30 days; or both fine and imprisonment||Not more than 30 days; or both fine and imprisonment|
|License and registration suspension for one year or until proof of current financial security is provided; vehicle impoundment||Immediate license plate confiscation; license and registration suspension after 10 days of no compliance|
|Proof of insurance; $275 reinstatement fee; $125 administrative fee; $175 modified driver's license fee||Proof of insurance; $275 reinstatement fee; $125 administrative fee|
Fines and suspensions after an accident
If you're convicted of driving without insurance after an accident, you'll need to pay a $250 fine or serve jail time of up to 30 days — on top of paying for costs related to the accident. The state will suspend your license and registration for a year and may impound your vehicle.
You may reinstate your driving privileges once you've served the jail time or paid the fines. You can then request a $175 modified driver's license from the DPS so you can continue driving to work while suspended. But if you accept a modified driver's license, you waive your rights to a hearing to dispute the suspension.
To reinstate your driving privileges after the suspension period, you must also pay a $275 reinstatement fee and a $125 administrative fee to the sheriff's office. And finally, you must show the court a current auto insurance policy with the state's minimum liability limits. You won't need an SR-22 form on file, though.
Fines and suspensions at a checkpoint
In Oklahoma, insurance carriers must report lapsed policies to the state, where the information is stored in an electronic database. If you drive through any of Oklahoma's checkpoints, officers can feed your license plate information into the system and verify your insurance status.
If you don't have adequate insurance coverage, then you'll be on the hook for a $250 fine and a license suspension. But instead of having your motor vehicle towed, the traffic enforcer may confiscate your license plates and assign you a temporary motorist liability plan. Officers can use their own discretion.
The temporary motorist liability plan is a temporary insurance policy that includes minimum liability coverage. But it can only protect you for 10 days and serve as your temporary license plate. If you hope to reinstate your license and retrieve your plates, you have to get your own policy to replace the temporary coverage within 10 days. You must pay the $275 reinstatement fee and the $125 administrative fee.
If 10 days have passed and you have not submitted an active insurance policy to the DPS, you'll be charged with a misdemeanor, face jail time up to 30 days and surrender your driving privileges for one year. If 90 days have passed since your conviction and you still haven't provided proof of financial security, the state will dispose of your license plates.
Re-applying for auto insurance in Oklahoma
Driving without insurance is considered a misdemeanor that will linger on your driving record and may hurt your chances of getting insurance in Oklahoma. Insurance companies can deny coverage if they think you are a high-risk driver. If you run into this dilemma, you may be able to get an insurance policy through Oklahoma's Automobile Insurance Plan.