Auto Insurance Minimums for Oklahoma

In Oklahoma providing proof of insurance is heavily enforced; therefore all drivers in this state are advised to get an auto insurance quote, if they don’t already have liability coverage. Not having proof of policy is punishable by law. So don’t end up paying more than you would initially.

The minimum liability insurance coverage in Oklahoma is $25,000 for injury or death of one person, $50,000 for the injury or death of two or more persons, and $25,000 for property damage.

In the Oklahoma state driver’s manual, all drivers are financially responsible for both themselves and their vehicles, this includes other drivers in the event that you are in an accident and it is deemed your fault. Without liability auto insurance coverage you could face a fine of up to $250, as well as a jail sentence that can include a 30 day stint. Suspension of license and vehicle registration isn’t out of the question either.

If your policy is cancelled within 180 days from the beginning of a new insurance policy then it is the company’s responsibility to notify Oklahoma’s Department of Motor Vehicles. The DMV will then contact you and demand proof of insurance; if you do not comply within 30 days of notice you could face suspension of license and your registration.

Don’t let the fees pile up. Get an auto insurance quote today. You’ll be glad you did.

Oklahoma DUI Law

Drunk drivers are responsible for 32% of fatal accidents in Oklahoma, although the rate of fatal accidents has dropped in the last few years. This may be due to strict measures Oklahoma has taken to curb drunk driving. Penalties for driving under the influence are severe.

The blood alcohol content limit (BAC) in Oklahoma is 0.08%. However, if you get caught with a BAC of 0.05%, you may face license suspension, fines upward to $1,000 and even serve time in jail. Commercial motorists may not exceed a BAC of 0.04%.

First offense DUIs will result in the suspension of your license for at least six months, during which time you may apply for a limited license. A second offense is considerably harsher. You may spend up to 12 years in prison.

Oklahoma Teen Driving Laws/Auto Insurance Requirements

Car crashes are more common among teens in Oklahoma than other age groups. In fact, car crashes are the most common cause of death among teens in the state. This is why Oklahoma follows its own version of the Graduated Driver Licensing (GDL) program.

The Oklahoma GDL program follows these requirements for teen drivers:

1. Teens must first be 15 in order to begin practice driving with an instructor until they are 15 and a half.

2. The teen may then apply for a learner’s permit. If the teen is already 16, they may apply for a learner’s permit without completing a driver education course.

3. After holding a learner’s permit for six months and maintaining a clean driving record, a teen may then apply for an intermediate license.

4. After six months of obtaining the intermediate license, maintaining a clean driving record, and completing a driver’s course, teens may apply for an unrestricted license. If no driver education course has been taken teens must wait a year after obtaining an intermediate license.

Teens are not allowed to drive in Oklahoma with a BAC of 0.02% or higher. This is the equivalent of just one drink or less. Being charged with a DUI can lead to juvenile detention and exorbitant fees.

In Oklahoma, it is mandatory for teens and adults to carry auto insurance in at least the minimum amount specified by the state. Since teens are more likely to be involved in an auto collision or accident, it is recommended that they carry more than the minimum amount of coverage needed.